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  1. Hi all. My wife (28) and I (40) are looking to get income protection should one of us suffer ill-health. Please can I ask for any advice on what potential pitfalls to avoid or any other tips? Also, is a price comparison site a good place to start? Thank you.
  2. Hi I am in a bit of a mess and would like some help if possible. I have a very old loan of around £7000 which a ccj was gotten on some time ago. Due to other issues I had forgotten about it until recently. Unfortunately the solicitors are now looking to take enforcement action. I know I need to pay this off, but money has been tight. I realise I need to start paying something however I currently have mortgage arrears, water arrears and other current bills to pay. Additionally I have been signed off work for weeks now with stress. I could afford £10 a mon
  3. Hello, tried everywhere including sheriffs office itself.... it is a long story but i will start from getting CCJ against me, which i was paying £15 a month (in total until HCEA came £360 of £1490 original debt) just to clarify i admit the debt and i have intention to pay it in full. I had arrange £15 a month but has few hard months and debt been transferred to HCEA, in the mean time we have moved shops (this is business debt) when EA came he couldn't do anything as address on writ was wrong EA said all letters has been send to our old address and he need to
  4. Given the seriousness of this thread, it really does need to get wide coverage. Accordingly, I would hope that the moderators allow it to remain on this section of the forum. Sadly, this is not the first time that I have taken issue with documentation from DCBL. There is a long thread on here regarding this firm and their letters regarding private parking debts (more later). This firm are also behind the TV series....Can't Pay...We Will Take it Away. Yesterday, I was contacted by a gentleman who had received a letter from DCBL the previous day. The letter was received by post and w
  5. Hi, the OH has a new look account and has been "late" a few times and has had £12 fees added to her account, this totals £72, at first her payment schedule was for the 1st of the month but this was changed to the 5th, she can't remember if she was notified of this. If she missed a payment by a day they would ring up multiple times each day until the payment was made. First question, are these able to be returned. Second, where do we start with? SAR? Regards, DreamEater.
  6. Hello, im after some advice if possible. CAG has been helpful to read but im now stuck. Following redundancy I got into a bit of credit card debt, im now in a position to try and resolve the debt but don't know where I stand. One of the credit card debts is now with Idem servicing. I sent the a CCA request and they replied stating they had no agreement, should one be found they would send it. Foolishly maybe, I offered a full and final settlement offer just to move on. They rejected the offer and sent a credit card agreement (13 days after they said they didn't
  7. https://www.drydensfairfax.com/careers-vacancy.asp No prank CVs or applications, please.
  8. For the full story see ..... HERE http://www.ibnlive.com/news/tech/microsoft-forcing-in-windows-10-to-pcs-what-you-can-do-about-it-1199507.html http://www.dispatchtribunal.com/microsoft-to-shove-windows-10-down-your-throat/13922/
  9. I have taken a new job and in an area where O2 have no service. Contacted O2 for advice to be told my phone was out of contract and I was told this on three separate occasions. Based on that I looked for a supplier who covered the area, found one signed up for a contract with them and contacted O2 for a PAC code at this point I was told I still had a year left on the contract, I mentioned my previous conversations to be told they made a mistake I have now been sent a termination invoice. I am reluctant to pay this as I went to another supplier based on the fact
  10. Hi, First post here, but lurking for a few weeks! Brief outline: I have issued a claim for compensation against a car dealer. The notice has been served. After about ten days, they filed an acknowledgement of service (I know this doesn't mean anything specific will happen), but they have also notified the court of a change of address. Is it likely that they have changed the 'contact' address so that if it came down to it, they would not have the bailiff in their showroom, and / or, the address is that of say their accountants, so that a bailiff cannot either remove any property as
  11. Well theres a surprise. EE in the spotlight again, And considering how many times people have complained and NOT got a result.
  12. just got back from joke center.where i was told to start looking for charity work ,i did the mandatory 4 weeks work trial a few month back now she says i need more recent experience on my cv . even though i have a 35 year reocord of working. im nearly 60. i told her i think its my age why im getting no interviews ,she said its nothing to do with my age being nearly 60. what will happen if i dont get a voluntary job ,why should i be forced in to it at my age.
  13. Legal battle over 'illegal' car park fines at supermarkets and hospitals could spark refunds for millions of motorists Millions of people given large 'fines' by private firms could be owed a refund Includes charges issued outside hospitals, train stations and supermarkets New campaign claims that penalty charge notices breach contract law Trying to gather 100,000 cases together to go to High Court to end charges Millions of people given extortionate car parking charges outside train stations, NHS hospitals and supermarkets could be in line for a refund thanks to a new
  14. Recieved this letter last week from Leeds Losers. Bit naughty making it to look like a council tax letter.. [ATTACH=CONFIG]55136[/ATTACH]
  15. Hi, My partner already has a mortgage and a well paid job and are lookin to get a house together but my credit is poor, what are the chances of us getting one together or am i like to get knock back. i'm in full time work earning over £20,000?
  16. PRA... This is the third time they have rang to try and speak to me and this is the third time in 12 months ive told them to Foxtrot Oscar... :sigh: They just dont get it...
  17. Consumer Action Group received the following email from someone who renewed his tax disc online.. Please do be vigilant when using these "Look alike sites" Check that you have typed in the correct webpage and look for any sneaky sign that you will be charged. [ATTACH=CONFIG]51733[/ATTACH] We have previously highlighted similar issues with Look alike Passport and Driving Licence renewal websites
  18. http://www.nhm.ac.uk/about-us/news/2014/may/invasion-of-the-asian-hornet-not-yet130741.html
  19. A technological revolution is under way in banking, with computers lined up to replace humans in branches Intelligent machines could replace human bank staff in high street branches within five years, the Telegraph has learnt. Several major banks are understood to be in talks to introduce "express" branches, which would be similar to self-service checkouts in supermarkets. These smaller outlets would be almost completely devoid of human interaction. If trials are successful, the new format is likely to be adopted across Britain, sources said, with larger branches slimmed down and staff
  20. Hi All, please bear with my rambling on, its a good story I've gone backwards and forwards with Ikano for a couple months now so thought I'd post on here to hopefully get a bit of advice. I have a default on my credit file that was put on there by Ikano Finalncial Services for the sum of £220. This is for non-payment to a store card that had a credit limit of 125£.. now sure how it got upto £220.. late payment charges? The card was actually took out by a family member of mine, which i wasnt aware of.. i could prove this in the blink of an eye but I dont really want to file
  21. It was my understanding that they were ordered by the FSA to write to all customers to whom they had sold PPI whether or not a claim might follow. From what I understand they didnt do this.. so why should they now be let off the hook ? Read more :- http://www.thetimes.co.uk/tto/business/industries/banking/article3658853.ece
  22. They should start by NDR free periods. http://www.bbc.co.uk/news/business-20104059
  23. http://www.mirror.co.uk/news/weird-news/jesus-painting-restoration-makes-christ-1276477
  24. Hi, I am a IT consultant and was employed by IT firm on a permanent basis with good pay but due to the fact that I was on bench for quite some time and bit worried about my career I was looking around for other opportunities. I got an permanent offer from other IT firm who promised me a good work as they won recently a bid, but after few phases of project the project went on hold and my customer was not quite interested from the beginning to implement my solution as they were lacking of budget and infrastructure and my company didn't do any ground work and took me on board and 2 months la
  25. Wizz air introduces new cabin bag charges. If anyone is confused about why some airline companies have reduced card surcharges following the OFT investigation,then even more confusing is how some are seemingly already taking measures to recoup any shortfalls by introducing new baggage charges. Now traditionally the major airlines have included hand baggage within the base ticket. Up until 9th July Wizz Air did so too...and 10kg at that. Today they announced their so called "New Cabin bag policy" So for those who are wondering,Wizz are now defining between a small c
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