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About Me


  1. Any advice on this issue. Apparently I have been receiving a pension pay out from my previous employers pension scheme since 2005 when I was 60 and they have now written to me saying that I have been overpaid by £28,050.93 however they will only be recovering the last 6 years total of £9,068.24. They have proved it was their error but I was completely ignorant of this until it came to light on investigation 3 months ago. Is there any redress I can have in this case as with the loss of the income of £130 per month then to come to a repayment plan would leave me with little to l
  2. CAN ANYONE WHO READS THIS PLEASE GIVE ME SOME THAT IS CORRECT AND FACTUAL BECAUSE I HAVE TO HAND IN MY DEFENCE FORM AND EVIDENCE TO THE COUNTY COURT TOMORROW. This is something I think everyone should read as it may help you defend a sec 21 and eviction. I will give as much information a possible without it becoming to long to read or confusing. I will refer to the Landlady as She or Her. In August 2017 I moved into a self contained unit in a house that had been converted to 6 flats each with electric meter, bathroom, simple kitchen unit but still classed as a self contained studi
  3. Hi there, heres the story, I paid for an early upgrade online with ee. the cost was £251 including the early upgrade fee to buy out the rest of my contract and the upfront cost of the new handset. Now I ordered this the same day my new bill was generated, however my payment date for this bill is the 10th of each month, it was not due for another week so I didnt see a problem. in the after morning after ordering I checked the ee tracker to find news of my delivery only to find it `timed out` it couldnt find any record of the order number in other words. I phoned ee to fi
  4. Last year I owned 3 vehicles and sold one last year and ownership papers passed on, I only had it one year, it was a sports car for the summer. A few weeks ago I got a letter through the post asking if I wanted to renew my insurance and if so it would cost £220, this was exactly what I paid for my camper van insurance last year and the quote came at the same time, I always insure it in April and tax it then. As it came at the usual time, I thought it was a decent price and put it in the drawer to sort out nearer the time. I then got a phone call asking if I want
  5. I'm currently working my way through old accounts and such like and closing down where applicable those I don't use but have not yet been classed as dormant. One of those accounts was a savings account with a well known retailer, almost 20 years I've had it, they periodically send me a statement, amount saved was under £40. I also had a cc with the same company, it went tits up around the same time as most other ones and it ended up in default, I wrote to them as I did all of my creditors, stated how it was and that I'd be making token payments and then came consumeractiongroup a
  6. had a letter from a well known agency anyway gist of it is dear..... we're sorry we have made a mistake your account was recently transferred to ....from ...due to an error we started reporting this account on your credit file. we have informed the credit reference agencies to remove this account from your credit file which should be completed with the next 3 weeks...sorry for any inconvenience this may have caused you now i know they trashed my credit file because i saw it...so do i have any redress over it or is it because they are now removing it lets all be friends and ignore it?
  7. Hi guys, Story goes, Back in December 2016 I called up the body which were dealing with the transaction move from CSA to the the 'Child Maintenance Service' questions, what they told me then led me to call the CSA From 21 Oct 2015 I was officially out of the UK and not contributing to the Tax system as I was now working in Denmark. I was still paying the same assessed money as I was told to until I called up about the above proceeding move between the 2 companies. The agent from the CSA told me because I was now working out of the UK and getting paid from Guernsey there would
  8. I was caught speeding in a 30mph and pulled over for checks, when the officer checked my insurance he said it was coming up as only my partners name on the insurance. To cut a long story short, the insurance company had made a mistake on the policy, I have never driven without insurance in all my years of holding my licence. I was sent a plea form through which I filled out online including mitigating circumstances. My fine came through the post a week or so later with 8 points and a £1000 fine (without the speeding included) is this common for a first offence with mitigating circumstances? I
  9. October last year I had my van stolen. When the police came I told them the circumstances and wrongly stated that the van was unlocked. I believed this to be correct and even told the insurance claims handler the same thing. Baiscally I was loading the van (box van with tail lift) with two other guys. I had hung my jacket up with the van keys in the pocket . We were up and down stairs loading up furniture. Next thing i know is one of the lads shouted the vans been nicked , it was literally just speeding off up the road , tail lift down and furniture all over the road. Anyway this wa
  10. Hi all, I had no idea that with my Barclays account I had PPi. Barclays contacted me a few years ago and i got the odd thing in the post from them, it always referred to the fact that 'IF' i had ppi, tbh i really didn't think i did. The most recent form they sent me was so long! With so many questions I could not possibly remember the answers. This company contacted me and said they could see if they could do it for me and that they would do all the hard work, but then they sent me exactly the same questions, I called them and explained this is why i signed w
  11. I hope I'm posting this in the right place, it involves quite a few different debt related topics so this seemed as relevant as anything! I've recently split up from my husband and I'm looking to divorce him shortly, in the process of splitting up I've needed to apply for credit for the first time in years and it's become apparent that I've got a poor credit rating as a result of a number of payday loans that have been taken out over the past few years, and a credit card that I paid off years ago and haven't used since is also showing an active balance. I had no idea ab
  12. Hi, First time post for me but after doing a bit of searching this place looks to be very useful so hopefully I can get some advice on my predicament... Firstly, I'm not looking to blame Barclays as the problem is entirely my own doing BUT isn't helped but what I see is a failure of several Barclay's systems to provide useful information which would have helped my not make my mistake so my request is twofold. ... I had two Barclayloans, one for oustanding amount A and one with an outstanding amount of B. The difference between the two outstanding amounts was £4K. One monthly p
  13. I am a pensioner and full-time round the clock carer to a close disabled relative. I receive no benefits apart from the usual state pension. The disabled relative I care for has severe care needs and is unable to work, they receive PIP and ESA. Upset and frustrated by lack of interest on my life savings I started reading info on savings on the Martin Lewis website. To maximise interest it is recommended to open several of the top interest paying current accounts - which I did. I had money over so accounts were also opened in the person I care for's name (all my money, paid directly to ac
  14. Just curious: I am wondering how many people have had their NHS Exemption Certificate cards reprinted? I recently received a new card as they are now only valid for 7months - I guess to avoid fraud.... However, the printer screwed up. The card was printed "Valid End" and "Expires From".... Of course, it should have been the other way round (valid from, expires end) So I just received another new card with the correct wording. Seems a really stupid mistake and potentially very expensive [read: waste of tax payers money] if ALL cards had to be reprinted.... Anyone else a
  15. Hi - my daughter completed her degree this summer and left her rented accommodation at the end of June. She forgot to cancel the standing order from her bank account to the letting agents and so a payment of £912 was paid to them at the end of September. The rent was paid quarterly and I think the summer one didn't get paid as she had no money in her account. She had just received her first month's salary which meant there was sufficient funds for the standing order to be paid this time. She called the letting agents as soon as she realised what had happened and they said they would send her
  16. I've taken out an insurance policy. a term assurance one over 15 years thinking even if I still live over that we get a payout. I wanted one where I know there would be a definate payout.
  17. I stole £200 pounds worth of money from my work. I have an investigative meeting on Tuesday and am at a loss over what to do. I know I am in the wrong and I am aware that the company uses civil recovery to recover any loss from theft. However, will they have me arrested and charged or take me to court. I can't afford even a caution against my name due to my future career. Please help, I haven't slept a wink since I was given the letter and suspended for gross misconduct. Thanks.
  18. Hi, My partner went onto the Vanquis website to pay her payment (using their debit card payment page) and even though she only pressed 'Send' once, the payment was taken twice. A few phone calls and a few days later, one of the repayments was returned to her MINUS £5 'administration' Now, I'm no lawyer, but surely this is unjust? Is there a way to encourage them to refund that fee too? Thanks, Phill
  19. Hi Everyone, Just to say I love this site, it packed with really helpful people, who have helped me sort out a situation. I hoped I would find a forum dealing with HMRC and luckily I have, this time it is not about me, HMRC have been chasing my partner for years now, stating he has not filled in self assessment forms since 2004! They will not have it that none have been sent, which isn't surprising really as he is not a company director he is a shareholder and as far as we know he doesn't have to fill in self assessment forms. Just wondered if we are right? Eventually HMRC made
  20. I am about to raise a complaint with Kwik Fit relating to a winter service that they did on Dec 23 2014 the subject line says it all will keep this thread updated
  21. Hi there, I to was grilled over whether they thought I was actually 'miss-sold' my ppi eventually received the confirmation that I would be receiving my ppi amount back and would be paid by 28th dec 2014, however when the payment failed to make an appearance in my account I made enquiries into the matter and discovered my payment had been sent to 'debt free direct' because of my "IVA"!. I first had to research what an IVA was and why I might possibly have had one without knowing it plus supposed dealings with 'debt free direct' , After discovering what an IVA was
  22. I want to book a hot air balloon flight voucher for 2 for my partner for a Christmas present. I looked around for the best prices and found that red letter days had a special where you get a £30 gift voucher for £18 http://www.redletterdeals.co.uk/deal.php?reference=GCWXA I found this through their weekly deals link on their website and assumed it was a £30 gift voucher you can use towards anything and could use more than one at a time. the page states 'Total flexibility means the gift card can be used to book any experience' so I figured that it could be used for a balloon fli
  23. My mother is a pensioner her last years insurance direct debits for her house insurance were taken out of her bank account by a company called mypremiumcredit Her renewal came through 2 weeks ago and last week my mum received a letter from mypremiumcredit stating the company dont have her bank details on file in order to commence the direct debits for the new insurance cover (when she had cover the previous year with them already!) and if my mum does not pay within 2 weeks she will have to cough up the full amount which is almost £250 in one go!. They have a
  24. hey guys, this is my first forum post, i found a freedom pass on the ground and used it on the bus turns out inspectors got on the bus and yeah karma, guys i am shaken to the ground I dont know what to do i gave the guy my real name and dob but a different address, what should i do, I am shaking as i type this. please help me
  25. Not sure if someone else has come across this But I am facing 2 HMRC Issues which shows their non professionalism and inadequacy: Issue One (1): Last year my Spouse was on Maternity for 1 year which included paid, Statuary and Unpaid 3 months of Maternity pay. Since it affected our overall income I rang up HMRC and requested them if we are eligible for any Benefits due but they did calculation based on previous year and said we do not qualify for any benefits as we earned over £32000 for previous year and requested us to call them back later. However few months after my son was bo
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