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  1. The end of an era: RAF Tornado returns from operations for the last time READ MORE HERE: https://www.gov.uk/government/news/the-end-of-an-era-raf-tornado-returns-from-operations-for-the-last-time
  2. Hi, this is my first post on this site and I would like to thank you all for help and guidance I have recieved. This is my history so far;- 9th October sent 2 x DPA letters to Barclays Bank 9th October sent 2 x DPA letters to Barclaycard (only got reply on one) 9th October sent 14 day letter to Barclays requesting £1180 refunded 14th October recieved letter from Barclaycard stating files on microfiche "not readily accessable" Asked for £3 per statement 17th Octboer recieved 2 x lots of statements from Barclays 24th October issued small claim against Barclays (£1180 increased to
  3. British Forces Post Office: last dates of posting in time for Christmas READ MORE HERE: https://www.gov.uk/government/publications/british-forces-post-office-last-dates-of-posting
  4. Hi, I have a question about last wills and testaments. I am a dual French/British citizen married to a British citizen and we have lived in the UK for almost 20 years. We own a house in the UK (as joint tenants). We want to write a will that will say to whom we want our respective share of the house to go to once we are both dead. We have no children and won't be having any. In my case, I want my share to go to my husband but I want to make sure that when he dies, if I'm already dead, my share goes to my siblings in France, who are French citizens, and not to my husband's family or new par
  5. Hi, I have accumulated some relatively large charges from HSBC Business over the last few years, mainly for unauthorised overdrafts. Is it possible to have any of these refunded? I am in quite a bit of financial difficulty at the minute. I dont have any lending on this business account. I would also like to keep the account open, so dont want to do anything to harm that if possible. Thanks for reading! Jamie
  6. Hi guys I searched the forum but couldn't find any info on the situation I'm in. I was on JSA from October to mid November 2017. I got a part-time job which guaranteed me 12 hours a week. I started that on 14th November. They gave me a contract until 31st December. However, they cut that short as work had diminished. i left my job on 14th December. In the four weeks I worked there, I worked 24 hours in weeks 1 and 2, and 12 hours in weeks 3 and 4. After week 3 had finished, I called JSA to see if I could get extra benefit money as I had only worked
  7. Anyone heard from this lot? (No idea what it about obviously and not replied) and obviously won't be stupid enough to phone them either btw name been edited Dear j_semple Our Reference: 5424/97692 We have been instructed with regard to this account and have been provided with this email address for you for the purposes of communication. If this is not the correct email address for you, or if you do not wish us to communicate with you by email then please contact us by telephone on 0844 858 8888. This email is automatically generated, please do not reply by email
  8. I've been contacted all of a sudden after a 5yr gap of silence regarding a Barclayard they believe was mine, from my calculation it would be a few months off 6 yrs since this would be defaulted on. First letters were to say it had been transferred to Robinson Way and was quite nicey nicey, second was to say get in touch we could wipe off a quarter of what you owe, today's was we have looked at your account and believe we have enough to go for litigation and MAY pass this to Howard Cohen and co in 10 days and then it may go to court blahdy bla ~Is this a last gasp e
  9. British Forces Post Office: last dates of posting in time for Christmas READ MORE HERE: https://www.gov.uk/government/publications/british-forces-post-office-last-dates-of-posting
  10. Hi all, first post. Just got a little question about CCJ defense response times. I filed my defence today (Sunday) online. Today is the last day I have for filing the defence. I should not of left it till the last day but I was waiting for a response from the claimant which only came the previous day. I had 33 days from the day of service in total to file my defence. My defence will not be processed by the court until tomorrow which will be the 34th day after the day or service. So my question is does the defence have to be processed by the court within the
  11. Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 17 July 2017 date to submit defence 19 August2017 What is the claim for – 1) The Defendant entered into an agreement with Orange under account reference ..... ('the agreement'). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 18/12/2013 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £465.45 remains due and outstanding. And the Claimant claims a) The said sum o
  12. This is a nice story and should give hope to others with similar health issues. Read More : -
  13. http://www.huffingtonpost.co.uk/entry/david-davis-photo-jeremy-corbyn-debt-taxes_uk_5909eb14e4b05c397684fa92?utm_hp_ref=uk
  14. https://www.theguardian.com/money/2017/jan/24/link-atms-proposals-tabled-in-bid-to-keep-cash-machines-free It will be those of us that live in rural areas where banks are closing down that will suffer - if we cannot get into a branch then we have to use the ATMs.
  15. In 2010, a warrant for repossession was suspended on my property under the condition that I pay of the arrears which I did earlier than expected. last year I was having a problem with my business and fell behind with payment. I informed my lender and we agree to that I should continue with paying the mortgage with a little extra on top. All of a sudden my lender changed their mind and were asking for a huge sum that I can't afford when I refused they have applied to the court to re-enforce the old warrant which is over 6 years old. I am in arrears o
  16. We had a credit card with a debt of around >10k when we moved to Canada. It was transferred to Apex and we asked for a CCA in 2013, they did not supply it so it was no longer enforceable and we stopped paying it. In 2016 it was transferred to a DCA and again we asked for a CCA, they did not supply so we carried on with not paying it. My questions are: a) How do I find the data of our last payment and acknowledgement of the debt. Do forums like this constitute acknowledgement. b) How do we go about requesting our Credit Reference from the UK as we have n
  17. Good afternoon I have received the attached response following a CCA letter. Is this contact or not as they are now saying the debt has become enforceable. If not correct what do I need to do now. Below is my original post re this Many thanks http://www.consumeractiongroup.co.uk/forum/showthread.php?467679-Unable-to-pay-DMP-as-now-unemployed CCA return.pdf
  18. Got a sudden issue with HMRC who have sent me a nastygram for what looks an error I have made on my 2015 self assessment return. I was made redundant and had a few jobs tying me over (as an employee) until I found a good new employment. To support my income I also did some catalogue selling for one of these door to door companies plus some selling on ebay. As this extra income needs to be taxed I did a self assessment. I entered all the details as requested online and submitted. My tax liability was adjusted through my next PAYE code and all seemed fine until a few days ago when I receiv
  19. I just bought a 2007 Mazda MX5, 42000 on the clock and in good nick. After having it a few days - I called the guy as its pulling to the left on acceleration. Also - Diff noise is audible too. He picked it up - took it to Mazda for a health check and the report says: Front tyres are low changed battering in key fob slight corrosion to front discs and I was spot on about the Diff so when he's back from hols in 10 days time - he's gonna get the diff fixed and sorted. to be honest - I'd be expecting him to put 2 new tyres on it at £100 a piece for Bridgestone tyres (recommended
  20. Hi everyone I found out this year that my father (who I'd never had contact with) had died over 2 years ago, and had left me £25,000 in his last will and testament (I have a copy of the will from public record). However, the executor is my brother (who I've also never met) who inherited the majority of the estate, and after some difficulty in getting a response out of him, he has responded saying that I was removed from the will as a beneficiary. The copy of the will that is on public record does have codicils on it, but they do not relate to the money I've been left. My b
  21. Hi! I have used the break clause in my tenancy contract to terminate it. It required a 2 month notice period, which I gave and was accepted by the landlord's agency. This means that my tenancy agreement ends by the 25th of August. Nevertheless, my rental period usually runs from the 8th of each month. I have assumed that, if the tenancy contract ends by the 25th I would only have to pay from the 8th to the 25th but the letting agent is asking for a full month rent... He says the overpaid money will be returned and that they do this to protect them from tenants not leaving at the end of
  22. http://www.msn.com/en-gb/money/news/ikea-admits-to-charging-customers-twice-due-to-computer-glitch/ar-BBuX712?li=BBoPOOl If you have been affected, you can use the following number : 020 3645 0000 This was the company that were forced to hand out bottles of water , when they trapped motorists in one of their car parks for over 3 hours, on the hottest day of the year
  23. I came from EU to London in November last year, 2015 and i was working as self employed for 1.5 months in that year. I was waiter through an agency working for minimal wage, now i am employed already but I am concerned about those several weeks that i worked as self employed last year, i haven't submitted any documents about the salaries i received and i don't know if i should and what documents i need to have, i don't have all of my pay slips either. Today I was in the agency that i worked for to ask these questions, and they told me not to worry about that, sinc
  24. If you've been enjoying Tesco's Clubcard Boost events, where you can double the value of your points and the like - bad news - the last one is imminent, as the supermarket are scrapping the scheme. The last boost will be held from 16th May until 26th June, so don't dither. The idea is to make these schemes easier to understand, and to make Clubcard points simpler. Clubcard Boost events have given the opportunity to swap points online or in stores, in multiples of £5 for £10 vouchers which you can spend in specific departments. However, over on their website, they've said
  25. Hello, I've been paying off Bailiffs monthly for unpaid council tax. I was late paying last month. I thought I'd paid off the last instalment this month and all was fine. That was until I got a call saying they'd been round again ~£350 charges for the late payment. This is obviously extremely frustrating, the council tax debt has been fully paid off, these charges are for nothing. I've phoned the agent and he's saying there's nothing he can do, he needs the money now and if he doesn't get it, he'll be round my mums house to remove her goods because
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