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  1. Hello I need to make a Subject Access Request to NRAM regarding the house repossession we went through back in 2011. I've looked on their website and it's very vague what I need to include. The mortgage and property was joint with my ex husband so does he have to agree to me doing this? I need these details urgently as my local council won't let me go on their housing register until I can prove the house was repossessed and not sold for profit. Thanks for any help Lisa
  2. This is a long story, so I'll try and cut to the chase. Back in 2013 we moved into a property. The landlady who we were renting off asked if she could continue to be registered at the address. She agreed that she would cover all the council tax bills for the property. Two years later we received a letter from the council to "the occupiers" asking us when we moved into the property. We truthfully told them the date. Two months later, we received a massive bill from the council for two years worth of council tax, backdated to the date we moved in. We got in touch with th
  3. I've been on benefits due to health issues for quite a long time now, I was on Incap Ben until Oct 2013 when they moved me to ESA and that's been static since then. Not had any kind of increase in 4yrs. In 2014 I finally had a diagnosis of one of my health issues that had been ignored for years by doctors... Dismissing my issue as weight related when it was in fact a condition called Spinal Stenosis... which is 'made' worse by being overweight. This explained the shocking spasms in my lower back which could turn my legs to jelly and make me slump to the floor at any time
  4. My mum was recently diagnosed with Alzheimer's and Vascular Dementia, she has been with Virgin Media since 2011 starting out on a 18 month contract. Five months ago my mum came to live with me, I then went through the process of obtaining a Power of Attorney so I could deal with her housing arrangements ect. A month ago I phoned Virgin Media to cancel her TV services, they said they would need to speak to her and she would have to give them her password. After telling them I had Power of Attorney and my mum had Dementia and could not remember what she did a few hours ago let al
  5. to cut a long story short(ish)... my wife got a car on finance a few years ago from advantage finance. the value of the car was £6,000 ... the amount payable back was £12k my wife at the time was in a well paid job and was able to afford monthly repayments of £260, a year or so after the original start of the agreement my wife started to suffer from various health conditions which involved having a number of major surgical operations that meant she had to take time off work. During these times she had to ask for reduced payments, after much persuasion advantage agreed reduce
  6. I have had bad right flank pain for 10 weeks, moderate right flank on and off for 10 months Monday I had my cholecystectomy apologies for longish text, just need to get full detail down I met with two consultants on private medical recently. The 2nd doctor (Dr A.) took swift action and with issue of HIDA scan, established I had diseased gallbladder with 12% ejection fraction Now, the first consultant I met with (who I had seen previously on two occasions this year for liver check ups), took the attitude and I quote 'I am a thorn in his side', his exact words to me when exam
  7. Hi, In Dec 2013 i took out a two year mobile phone contract with Vodaphone. In Dec 2015 the contract was up and i called Vodaphone to end the contract and get a code from them so i could transfer the mobile number to a Virgin Mobile handset. This all went well until i got a letter saying i was being charged £171 for early cancellation of my contract? I installed a call recording app on my mobile and then I called Vodaphone on December 17th 2015 The lady i spoke with found that someone had written a date on my contract in the U.S. style (switching the month and day from how we write
  8. Im fuming. It just seems to me that car owners are one big cash machine for councils. Stick some cameras up and let the money roll in. I recently moved to a new area and started driving to work. Unbeknown to me one of the roads I was turning into on my way to work each morning at 7:30am has a time restriction in place that you cant turn into it after 7:30am. Its dark, its christmas , the streets are empty, no one was killed, no traffic was caused. But yet I have appealed against these tickets and am told by the council they are 'certain an offense has ta
  9. http://www.thisismoney.co.uk/money/saving/article-2895425/Lloyds-life-misery-insisting-DEAD.html
  10. Can anyone give me advice? We were first in line for a Housing Association bungalow and a multi viewing was arranged last Monday. It was pouring with rain and there was no electric so very dark. We looked around with the 2nd, 3rd and 4th in line, some with babies which made us feel very uncomfortable. We had to make our mind up at that viewing and although we had some reservations about the size felt we had to say yes there and then or lose it. We had to pay the first month's rent immediately although obviously we have not had chance to let our (private landlord) know and give noti
  11. Our land lord lives on the premises, he is joint land lord with his brother who lives in Australia, The one here, is in massive debt, we are talking £50,000, he uses our front door to his granny flat but we have the run of the rest of the house, we are and have been happy for the past 12 years here, we pay minimal rent while basically keeping the house in sort of repair, we dont have the funds to keep the property as it should, we have just fitted a new kitchen and bathroom at OUR expense, along with many other repairs etc. He has been going down under to visit his brother several times over
  12. Hello I'm new here, but just wondered if anyone has experience with successfully challenging and overthrowing an ombudsman's final decision. The Financial ombudsman has made lots of poor excuses and failed to look at the significant evidence that yes car credit/direct auto have mis sold ppi and other insurances without permission. Many thanks if u can advise
  13. Simple terms: Lloyds overdraft, defaulted mid 2011 balance around £600. Had a claim open for bank charges on same account which I was hoping might of cleared the od was of course declined with court ruling. Had been paying Lloyds £1 a month till 12 months ago when I moved from HSBC to Santander, have not paid since. Lloyds have now passed debt to Cabot who are telling me they will accept an offer. I am absolutely in no position to repay at more than £1 a month, self employed, private renter, skint... but could maybe pull a bit together in order to get them off my back. Now conside
  14. Guest

    Making an offer

    Is it possible as a claimant to make an offer to only one defendant and not the other? Or is an offer to one automatically an offer to all?
  15. I've called in sick at 10:30 this morning to work for a shift starting at 2. Had a reply about an hour ago (that I've only just seen) saying they've got cover for the first 2 hours of my 9 hour shift. They've got no one to do it, and I'm just to tell the other person what to do with regards to work, but I'll still be expected to work with the customers. What do I do?? When I drove home last night from the shift I also tried to call out for I was not 100% safe on the roads, and had 2 bad moments. And I wasn't as bad yesterday as I feel today. I just... there's so few of us at th
  16. Does anyone know if I can do a SAR request to Natwest Credit card & natwest bank in one go & save myself a tenner? I know that they are separate companies, but at a higher level, there must be a single company, but can I send a SAR to that company & get everything from the others, or will they respond with nothing, because the data is held by their subsidiaries? Grumpy
  17. Hi all, Hoping somebody may be able to shed some light on my question.. I have a judgment against an individual. I have come to realise his name is misspelt on the judgment. Have been advised by the court to make a formal application to correct this using an N244 form 'Notice Application'. My question really is regarding what court fee I am supposed to pay. Ive read the official fee guide but it doesn't make it very clear regarding this type of application. Any thoughts? Ive already emailed the courts to ask but thought somebody may have the answer
  18. I have received a letter where my previous landlord is making a claim against me for a property that I moved out on the 25th of Sept2016. The said property was a temp accommodation through the council so he had put the claim in to the council but I want to appeal this as when I moved out I offered to repaint the flat but he said that he was remodelling the whole flat that I didn't need to paint it so I did not have it done but I did hire a cleaner to make sure that it was clean when upon moving. The landlord did do a walk-around with my son upon our vacating the property and he sai
  19. Hi Cag community! I really hope you can help. I’m afraid I’ve never posted in a forum before so not too sure if I have posted in the right please so do let me know if I should post somewhere else! On 30th June 2015, EDF (representing Scottish Power) entered the communal corridor for my flat, and removed all the electricity meters for the whole building. We own a flat in a block of 5, and we had a prepayment meter with Scottish Power. In the few days following this we discovered (from the EDF officer who removed all the meters) that the meters to Flats 1, 2 and 5 (owned by the freeho
  20. Hi all, Hope you had a great Christmas. Anyway, about this time last year I was carrying out sub contract work for a company called Betta Living installing kitchens. On this particular kitchen Betta Living made a long line of ordering mistakes supplying incorrect kitchen units and doors. This was nothing to do with us as installers this was all down to Betta Livings Installation management Team. We completed the kitchen as far as we could, around 90% and thankfully left the kitchen completely usable over the Christmas period. We were then asked by BL to return to fit the last
  21. From the BBC. Some hospital trusts in England are making more than £3m a year from car parking fees, Freedom of Information (FOI) requests have shown. Of more than 90 trusts that responded to FOI requests, half are making at least £1m a year, the news agency Press Association (PA) found. The Patients Association said the charges were "morally wrong". But many trusts defended their revenues, saying some or all of the money was put back into patient care. http://www.bbc.co.uk/news/uk-35157425 HB
  22. Hi all. I need some advice for my sister. Main points: She has worked at this company for almost 3 years now; Never has any problems, and always gets her work done; Recently, she has a medical problem, which is unconfirmed and investigations are still ongoing; Apart from her self, our mother had a few hospital appointments, which ordinarily, she would have gone with her to understand exactly what the issue was, and therefore asked if she could work from home. They always replied, its only given at the company's discretion. Due to this and also then [everybody] receiving an e
  23. Making the Veterans badge a decoration will protect it because it is illegal under section 197 of the Army Act 1955 to use these to pretend to be a member of the armed forces. (This act will be superseded by the Armed Forces Act 2006 in November.) The act makes wearing any military decoration, badge, wound stripe or emblem without authority a criminal offense. It is also illegal to wear a replica "as to be calculated to deceive", and to falsely represent yourself as someone entitled to wear any such award. Making the Veterans Badge a military decoration will give it protectio
  24. http://leaderlive.co.uk/news/153109/parking-enforcer-swaps-sides-to-fight-penalties.aspx it's absolutely disgusting that he STILL profits off the misfortune of drivers that got caught out by PPC's. More so that the local media is actually advertising his business.
  25. A firm selling call blocking devices has itself been fined for making unsolicited calls to those who have opted out of receiving them. Cold Call Eliminations, based in Chichester, made calls to the elderly, including cancer sufferers. One was said to have been left "badly shaken". They were registered on the Telephone Preference Service (TPS), so should have been exempt from such calls. The company, which has been fined £75,000, refused to comment. BBC Oops
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