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  1. Hi all. I originally had a debt with HFC bank on a credit card to the tune of £9838. My monthly payments were 172 and suddenly, Weightmans wrote to me threatening me with a CCJ if I did not consent to a voluntary legal charge. They refused to accept my £172. To cut a long story short, I did agree to the charge because at the time, I was under severe emotional stress - my Dad was dying from a terminal cancer, which Weightmans knew! I have just received a letter saying that I can get a 50% reduction on the debt! But: I cannot afford this right now ev
  2. Hi everyone. I could really use some help with this nightmare. I opened a GymEtc membership about 4 months ago. Somehow during the process the membership application got duplicated and i ended up being double charged for 2 accounts. I stopped the duplicate account direct debit, then get an aggressive letter from Harlands. I called them, explained the situation and they said they would close the duplicate account and refund the 2 payments. 4 weeks went by and I got no refund. When I contacted them again they said it had been initially rejected by GymEtc, then processed but st
  3. My 82 year old mum hasn't been too well recently and her local Nat West Branch has closed down and the new one is a nightmare for parking and she doesn't walk too well. She also got caught out by a phone holiday spoof to the tune of a few hundred quid and became paranoid about the company knowing her account details so we decided that maybe a change to a new bank was a good option. Barclays is my and my sisters bank as well and as difficult as it is to talk about if something happens to mum before it happens to me we theorised that if we are all at the same bank things would be eas
  4. An ajudicator made a decision to uphold my case 4 years ago, however the business appealed the decision. After constantly chasing the FOS over a period of 3 years and numerous missed deadlines, six months ago an ombudsman made a provisional decision again in my favour, however I was stripped of costs which the adjudicator had awarded. To date, no final decision has been made, and the pattern of broken promises for deadlines, and constant chasing them for a final decision is still ongoing. What can I do to get them to make a final decision after 4 years of the stress of
  5. http://www.thisismoney.co.uk/money/markets/article-5653351/Computers-decide-PPI-victims-payout-explosive-documents-show.html
  6. Been reading through the forums about how to manage debt and one thing seems to remain constant in that you work out your income and outgoings and then make an offer to each of your creditors telling them what you are prepared to pay each month over xxx amount of time. That's all well and good but what do you do when you have no income at all or so little income you can just about afford to pay your rent every month let alone anything else. What route do you go down with that one? A little background: My wife had a job in the city with a good salary and that plus my income meant
  7. Government outlines next steps to make the UK the safest place to be online READ MORE HERE: https://www.gov.uk/government/news/government-outlines-next-steps-to-make-the-uk-the-safest-place-to-be-online
  8. How to make a complaint to Defence Business Services READ MORE HERE: https://www.gov.uk/government/publications/how-to-make-a-complaint-to-defence-business-services
  9. I am an IT consultant who works through my own Ltd company. I have been offered a job that is within IR35 this means I will pay tax, NI and all other deductions which I dont have a problem with. However the employer wants to deduct from me their costs such as Employers NI in other wrds bear their employer costs, is this right? I am due to sign the contract tomorrow so urgent guidance/help would be really appreciated. Thanks
  10. Make a donation to support members of the armed forces READ MORE HERE: https://www.gov.uk/donations-to-support-members-of-the-armed-forces
  11. Well I have been making some serious posts recently. Every now and again it is good to relax a little have a little fun. Just remembered this scene as a couple of brothers finally make the big time. Made me laugh. Which are your favourite or memorable TV moments. Which made you smile or frown. I will start things off with this one. Twenty odd years ago we witnessed Del and Rodney finally become the millionaires they had dreamed of. What a legendary scene this is!
  12. Hi We have been harassed with debt collectors by First Utility. We switched suppliers on 9th February. On 22nd February First Utility put a stop on our account for 8 weeks whilst the final bill was re-assessed. They sent debt collectors to our door on 27th February. The bill was paid on 3rd March. They continued to send many texts asking us to settle the bill. I continue to receive emails and texts harassing me for payment up to yesterday (16th March). First Utility promise to resolve the matter; then the texts and emails continue. They say our details have been wiped from the debt co
  13. Hello Everyone. I set up a direct debit for my road tax, but due to some severe financial upheaval, it failed following the first and second application. Will the DVLA allow me to try again to pay by direct debit? Or am I now stuck trying to find the full amount? I can call Monday but I'm really worried and hoping for some advice before then if possible. Thank you in advance.
  14. Hi - I need some help quite badly. I had a bad mental breakdown around a year ago and didn't pay some private parking fines. They were for outside my mothers house whilst she was helping me. I didn't get letters as I was away from home getting help. I don't want to go into this further - but I'm not fully recovered. I got a call on Monday morning from my Mother in tears. Bailiffs had come and barged their way into her home. They asked her to get ID and then pushed in. They have then threatened to take all HER stuff. They have said if they cannot prove it's h
  15. Basically I have put in a complaint against ebay for an item that I sold to clear which was marked for parts or not working and no refunds accepted as ebay are siding with the buyer and told me to start a return (buyer is non uk resident) however I have responded with an appeal against the decision and a formal complaint. Also this has incensed me so much I have decided to put a petition down if anyone wants to sign it to make ebay treat sellers fairly and stop siding with the buyer to prevent [problem]mers (which is what this buyer is). https://petition.parliament.uk/petitions/17980
  16. Hello I really need some help please. I bought a solid gold christian name necklace from 'My Name Necklace' and purchased their 12 month warranty at the same time. Just inside the warranty date, the chain broke, I completed the online claim form along with a photo of the broken chain ( The warranty covers chain breakage ) The company emailed soon afterwards on 15th November stating: We apologies for the situation. We can send you another chain. A prepaid return envelope will be sent so that you can return your original item to us.* Please let us know
  17. READ MORE HERE: https://www.gov.uk/government/news/illustrious-leaves-portsmouth-to-make-way-for-queen-elizabeth
  18. BBC rip off Britain report on man who set up a premium rate line to make money from cold sales calls received. So far he has made £4k. Could you imagine if a lot of people set these up and these cold calling companies were silly enough not to block them being called. http://www.bbc.co.uk/programmes/p04bpgrv
  19. I have an appointment tomorrow morning at 9am,(universal credit) which I had changed to because my last one was cancelled for some reason. I do casual work here and there I got a text a few mins ago reminding me that I have training (counter terrorism training) at 9:30am - noon at my casual job, I completely forgot but if I phone up UC now they may refuse or sanction me. Should I call up now or in morning?
  20. Have you received any kind of communication asking you to make contact because there is a parcel for you - or for some other unexplained matter? We would like to know about it. Such contacts are illegal under the FCA conc regs - specifically - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers Here is an example of card left by APS. It breaches FCA regulations in a number of ways. We would be very interested to see other examples of this kind of contact. Please post up your letters, cards or other examples in this thread
  21. Background: last fiscal year 2015-6 I claimed working tax credits for 5 months, ending in February 2016. Since then a mix of JSA, volunteering and part time work. This week I started full time work and I was thinking of starting a fresh claim. However I've just received the tax credit renewal pack for this current year, plus the annual review for last year. I'm not really sure if I should make a fresh claim or use the online tool to renew my tax credits. On the gov.UK page: https://online.hmrc.gov.uk/shortforms/form/TCCF makes me think a fresh claim only ap
  22. Yesterday Bailiff Advice posted about the recent HCEOA developments but was later accused of publishing a link to an article that was some 4 years old. According to others she should have checked each link referred to in her link was correct and not out of date. So we now have a situation whereby others are going to hold us accountable for the content of external sites. Stupid is as stupid does.
  23. http://www.theregister.co.uk/2016/05/26/bank_fraud_liability_shake_up/
  24. We have had a disasterous refit of our shower, and are suffering leaks and noticed some cracked grouting too. We have been in touch with Citizen's Advice Bureau and the first thing they said we needed was a written report from a professional to explain what the problems are and how to put them right. However we are struggling to find a professional who is willing to put pen to paper to give us this. Reasons cited include they don't want to get involved in a legal battle, the repercussions for them going against some dodgy plumbers. Can anyone suggest how I can get a plumber wil
  25. Apologies that this is a long post. This is my first time on any kind of forum. I have tried to summarise but its been a complicated and very stressful process. I will be very grateful indeed for any advice... We moved into a flat in Sept 2013 when I called to give Npower the opening meter readings I asked to confirm what meter and tariff we were on. I was told it was an Economy 10 meter and noted down from the conversation that there were 3 cables which would give a Day rate, a Night rate and a Heating rate for the 3 night storage heaters with timings for whe
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