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  1. New research on the long-term health of 2 groups of older veterans READ MORE HERE: https://www.gov.uk/government/news/new-research-on-the-long-term-health-of-2-groups-of-older-veterans
  2. Good morning all, I've been with Eurodebt for 179 months, yes over 14 years and yes I know I've been pretty stupid. I can't remember exactly who the original creditors were but it was credit card companies. Having got myself in a mess when I was not paid for work completed I borrowed on cards to keep me going, much of the debt rocketed with the addition of interest and PPI's, I claimed back the PPI's but I was still in debt and struggling, foolishly it seems now ended up with Eurodebt. I've just been blindly paying this each month, there is no realistic c
  3. I wonder if any one can help. My husband works as a Chef, he has been working as a chef for over 20 years. he has a medical Condition Called Menierse disease. He has had it about 5 years. It causes him to have attacks where he colapses, becomes extremely, dizzy, vomits and he can’t stand up. He has to take medication when he has a attack and ends up in bed for 3-7days. After an attack he is left feeling very tired. He does not have attacks that often, but they are normally triggered by stress, being over worked and tired among other things. His employer knows
  4. Hi - I was caught by an ANPR overstaying by an hour and a half at Lidl, Hayes. I was a customer in the store that evening and have proof of payment of purchases that did take a long time (kids winter wear in the aisle of shame...) but did subsequently overstay beyond that. Details are below. Is it worth appealing to Lidl on this one or do I have to suck it up as it was such a substantial amount of time overstayed? Thank you very much 1 Date of the infringement 29.11 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 3.12 3
  5. My girlfriend and I went along to a trial session at a local fitness centre we had been told about. After the session, we sat down in the café and received a free (freshly ground) coffee as we discussed joining permanently with the trainer. The conversation was brief, 5 mins max. It involved an iPad on which she showed us the booking app they use and details of the different memberships. We opted for the couples membership at £88.20 per month (endorphin levels were sky high so this sounded like a great deal at the time) plus we get some free gear and a club-branded item of cloth
  6. Hi, I have just received a letter from a debt company that I haven't used for over 15 years. The letter says data protection laws have changed. This means thy need to provide me with an updated explanation of how they use my personal data. I do not want then to use my personal data. Do I ignore the letter? Thanks in advance.
  7. I received a parking charge in 2013 for 2 mins stopped at the side of the road at Liverpool Airport. VCS took a photo and sent several letters in 2013 from various "debt collectors" etc - I ignored everyone like the advice given and about 12 months later they stopped. Out of the blue BW legal seem to have bought the data and sent me a claim letter for an alleged office in January 2013. for £100 PCV charge plus £54 legal costs? is there a time limit for these and can they go back to all that time and start again?
  8. Hi I signed up to a gym in august this year. I was pressured into signing & have been a few times. I have tried cancelling with letter from GP stating due to anxiety i wouldn't be able to attend anymore. I heard back from ashburn saying they would hold my membership & add unused months onto end but i would have to continue payments of £51 per month. It is now making me ill & my consultant has written a letter stating i will not be able to attend anymore due to lifelong illness (ulcerative collitis). I fear i am going to have issues cancelling so any advice
  9. my credit score had plummeted. I used Clear Score to do a bit more digging recently and found a CCJ for £316 in April of this year. I am now assuming this is some sort of PCN for the same car, after I had sold it. This is very stressful for me as I already suffer with anxiety, currently have a 4 month old baby and have a mortgage. I know I cannot defend myself against the CCJ by applying for a set aside as they will just argue that the whole situation is my fault. My question is, has anyone ever been able to negotiate with the original creditor? I'm wondering if it
  10. Hi Guys, Date of Infringement : 21/08/2018 Issue Date : 23/08/2018 Date Received : 25/08/2018 Mentions Schedule 4 Protections of Freedoms Act 2012 : No Photographic Evidence : Yes, entering and leaving Have you appealed : Not yet, rang Lidl Parking Company : Athena ANPR Where : Lidl dedicated Carpark, 21 London Road, Blackwater, Surrey, GU17 9AF Operating Under : International Parking Community's Accredited Operator Scheme Permitted Stay : 1:30 Apparent Stay : 1:42:10 Hi guys, Received a named letter today. Pretty disgusted. Apparently the car was parked ther
  11. In November 2005 I was called into my bank for a “financial review”. At that time, I did not realise it was going to be a hard sell of bank products. I was sold a £20k loan. When the time arrived to sign the paperwork, the local printer couldn’t produce it – I guess an IT issue. They managed to get part or maybe all the first page printed (on screen it had many pages), which I was asked to sign or initial – I don’t remember what, in the footer area of the page. The £20k was deposited into my account the same/next day. I was advised a full agreement would be
  12. Hi Just received my credit file and after getting into a bad financial situation I have a total of 19 defaults on my credit file!, 11 are due to drop of this year and 3 next year the rest are around 2022, for the latter do you think my credit file will improve If I pay them of so they are marked as satisfied? or should I just wait, none of them are chasing me for payment at the minute Just edited to add one is for a mobile phone debt that I was paying for 2 years at £35 per month, it says I owe £550.00 now
  13. Hi, question - how long is a warrant of control issued for an unpaid council PCN valid for? I thought it was 12 months but the relevant bits of CPR 75.5 have been struck out (I can't post a link as I'm new, but if you google CPR 75 you'll find it) so I think the law might have changed. Any ideas?
  14. Hi all, I had a judgement registered against me which i paid in full within 28days. I have spoken to the court and they have confirmed it is showing as cancelled however the lady said that it can take time to filter down to credit reference agencies, does anyone know what sort of length of time this may be as it is having a significant impact on my score and i need to get a letting agency check done. Is there anything i can do to speed up process??
  15. I have been off sick since the end of july due to the fact my knees starting giving way (I do a lot of walking in my job ) I had to wait for the op that sticks a camera in both knees and trys to repair the damage . Had the op and the specialist comes in and says ive got good news and bad news , Good news is ive repaired the damage to the cartilage, bad news is I found something I was not expecting so I took a biopsy fast forward to just before Christmas and she the next specialist and he confirms it as rheumatoid arthritis, my scores they use were off the scale and it had
  16. Hi All... I hope you can help... I'll try to make this as short as possible. I was a victim of the financial crash.. the business I was in suffered massively and as a result, in 2010, my income reduced by almost 90%. I made arrangements with all my creditors when I could see this on the horizon (totalling around £100k) which have been in place ever since. The arrangements reflected my reduced earnings and most reduced to around 10% of the normal payment with the interest frozen. Most of my creditors subsequently registered defaults against me.. some quite soon after the start o
  17. My ex employer (LTD Co) has found a novel way to avoid the companies debts. The director dissolved the company while still trading, without informing employees, or any other creditor, until after the strike off. Redundancy notices were issued, but now the director is trying to avoid paying. any suggestions welcome. Thank you!
  18. my doctor will be sent a form from the DVLA to fill in re my medical fitness to drive. In the past 3, 4 or 5 months my mental health has been excellent no problems. BUT earlier this year like 7 months ago I (voluntarily) admitted myself to a psychiatric ward and was there for 3 weeks. I know the doctor will have a question to answer along the lines of "has the person been admitted to a hospital in the past 12 months for psychiatric treatement?" Does this mean I won't be allowed to drive until a year has passed since my admission date, even though I have been fine in recent mo
  19. Hi there, I recently fell asleep in a services area because I was too tired to drive. I then received a Charge Notice from the lovely people at CP Plus. Below is the relevent information for my case. Any help would be very greatly appreciated. 1 Date of the infringement 11/2/18 2 Date on the NTK 20/2/18 3 Date received: Didn't note, just screamed profanities. 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No, it mentions the Data Protection Act. 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? I
  20. I have been granted a Tier 2 ICT Long Term Leave to Enter Visa valid for the next 5 years. I just wanted to clarify a remark which says 'Restricted'. Just wondering what restrictions apply to me in terms of employment. Can I continue working with my current sponsor and take an additional job in the same profession and at the same level as my main job for up to 20 hours per week?
  21. Attempting to put order into chaos, one such chaos is the forest of old paperwork I have on long since gone debts. I'm not talking about anything current (as in live accounts) but more on old credit card alleged debts from the last decade, they are all either settled/done with/stayed or stat barred.... Is there a need to keep all the paperwork to the now stat barred debts? Settled Debts/ done with (old accounts that i've simply closed down) Some of them are stat barred by 6+ years, others 4 years stat barred. I'm keeping the paperwork on all live accounts/stayed accounts as thes
  22. How long can capital one keep a hold of your data once the account has been closed ?
  23. Hi all Very curious about how long a PCN can actually be live/valid for and if there's a certain cut off period where the regarding council have no right to ask for any payment anymore. I have been disputing a PCN back and forth since last July 2016 and once again have had it brought back down to £65 at "the discretion" of said council employee. Do I really need to pay this? Can they keep pursuing me leading to court/bailiff action? If I have to pay the £65 within 2 weeks I will but if I do not really need to of course I would like a way out of it. Any info/
  24. I've been on benefits since 2005 because of ill health. I have a hormonal inbalance which is associated with many mental health and physical comorbidities. Also alcohol dependent since 2005. I'm waiting for a medical detox for the alcohol and then going on hormone replacement. I know because of the big gap on my cv (unemployed for almost 13 years), I'm going to find it very difficult finding a job. I'm just wondering if anyone knows of any organisations that help the long term unemployed? Thanks.
  25. Hello, I have accepted an offer from a refund plus interest from wonga. Does anyone know how long it takes for them to process the refund and put the money in my bank account? Thanks Paul
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