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  1. I wonder if someone can help me - Ive got a interest only mortgage with GE MONEY which has been in arrears but OK now. Over last few years have had a few payment arrangements with them and as a result they have added lots of £40.00 admin fees. I think these add to over £2500 throughout my hardship. I just wanted to check that was all above board, seems a bit harsh in times of hardship that they actually made more money out of me. Any advice as always is appeciated!
  2. Hi to all! I have read some very helpful advices from the similar story thread like mine. I am wondering if anyone could ever help me as well with my situation This Saturday, when I was about to go to London to visit my 90 year old friend ( more like my second Father). I was so stress because I have not sleep that much for the whole week and stress out because my son who is 8 months old has been having temperature the whole week. all set...my husband told me to take his ticket. At first I said no but because I was rushing I just took the travel ticket in the end. Off I
  3. Has anyone else received a letter from Redstone (alias Melanite) Mortgages stating that the FCA has ruled that they have calculated some customers' monthly payments incorrectly since 2010 and that those customers are due compensation? If so, has anyone received compensation or a refund yet? I received such a letter stating that I was one of those who had previously been overcharged, but with no details of how much I would be refunded or when. It stated that my account has now been recalculated and my new payment will be £6 per month higher! I rang them for more information and was to
  4. Hi, hope someone can advise me on this. My letting agent is telling me that at the end of my current contract, they want me to sign a 12 month contract otherwise I will have to leave. I looked on my tenancy agreement and it states the following TWELVE MONTHS beginning 6th july 2017. If the tenant does not leave at the end of the fixed term, the tenancy will continue, still subject to the terms and conditions set out in this agreement, from month to month from the end of the fixed term until either the tenant gives notice that he wishes to end the agreement as set out in clauses 6 and
  5. Hello I took out a two year contract with EE, in September 2016, on their 4GEE Max Plan, for £45.99 per month. That plan was £5 per month more than the one below it, as it allowed you to use your call and data allowance whilst in the EU. Awesome! Except that when I took out the contract, I was unaware that everyone would be getting EU roaming within their price plans on the 15th June 2017! Called EE and basically it's hard cheese. The only thing they will do is move me to one of their new 4GEE Max Plans and have allowance calls in USA, Mexico, Australia and New Zealand for an a
  6. Why does my insurance company who gave me a quote, not allow me to pay monthly because I was truthful and said I had a CCJ,they didn't even do a credit search. My sister who is financially connected to me, got insurance from the same company, and got monthly payments. Surely if I didn't pay they could just cancel the insurance? Very frustrating
  7. Hello everyone - I'm looking for some recommendations following a problem with an EE contract and phone. This is the current situation: My partner has a monthly contract with EE. Her phone stopped working so she took it in for repair under warranty. When it came back it was reported to be unrepairable due to water damage, even though it has been nowhere near water. She asked if she could buy a replacement phone to use with the existing monthly contract and was told by the guy in the EE shop that there was no way to do this because EE only sold phones for PAYG purposes not fo
  8. Hi folks, How do I go about reclaiming packaged bank account charges? is there a letter template I can use? The bank in question is Ulster Bank. My account is a U-First account and the monthly payment was £9,99. How do I go about reclaiming please? I would appreciate your help. Regards, Johan
  9. Hi, hope for some advise. I paid my road tax via the DD scheme at my local post office back in September and set up the monthly payments via my bank. I have not authorised my bank to stop payments but the DVLA have stopped requesting payments and are now claiming that my car is not taxed. I have had no letters stating wht payments have not been requested and paid as agreed but it would appear that i am being held accountable for the DVLA breaching the DD scheme which seems a bit unfair. Any advice would be appreciated.
  10. BT has more than tripled charges for former broadband customers who hold on to their email address. Its Premium Mail is free for people who pay for BT broadband, but costs £1.60 a month for those with other providers — until this month From 6th April, the monthly fee rose to £5, or £60 a year. Many pay for the service to keep their BT email address, access to their inbox and contacts after moving away from the firm. Read more: http://www.thisismoney.co.uk/money/news/article-3525098/BT-triples-charges-former-broadband-customers-hold-email-address.html#ixzz46pcFcheB
  11. I have not earned enough to pay back my student loan for the last ten years. I now find I am slightly above the threshold, if indeed it is a monthly threshold. Over the course of the last year I have earned less than the yearly threshold. Over the course of the last three months I have earned less than the threshold (divided by 4). However, the fact remains that my monthly salary is currently above the threshold and has been for the last two months. How is the threshold calculated? Is it on the previous years earnings divide by 12? On this month
  12. Dear Caggers, I need some advice. I have a contract with EE. I cannot afford the contract anymore as I have other priorities (my gas usage is increasing rapidly as it gets colder) When I got the contract, I was under the impression that the handset was "free" and the monthly payments is for a "service" (calls, internet, texts etc) not a product too. Can anyone clarify whether (when I default) my handset will be blocked/blacklisted or just the contract SIM? I have tried to help myself by looking for the answer but all stories are conflicting. EE s
  13. I recently moved house and was very surprised to experience Scottish Hydro taking final bill amounts out of my account in the early hours of Christmas eve morning. The total involved was £560!!! I have of course intercepted and prevented those transactions from being completed.... On closer inspection (actually looking at my paperless bills..... I know, I know......) I find that my monthly payments more than covered my usage, confirmed by the fact that they reduced my monthly payments in Jan '15. Both my accounts were in credit at this point..... Billing changed to
  14. Hi Everyone My wife and I hit difficult times in 2008 like most people and we eventually faced the Grimm truth that we could not afford our debts in 2009. Two of these debts were with HSBC, credit cards, that we agreed a zero percent interest rate and a fixed monthly fee to pay them off. Our combined debt equated to nearly £14k. In 2010 we signed with Payment services Bureau so that we could avoid paying interest. We signed standing order mandates to 2018 for my wife and 2020 for me. Over the last few years we have never missed a payment and the standing orde
  15. Hello, I am hoping someone could give me an idea as to where I stand, although I think it's probably nowhere... I renewed my car insurance with Adrian Flux in August, £830 for the policy and £200 to pay monthly by direct debit (premium credit). I would now like to cancel my policy as I've been quoted £270 (with the same underwriter!!), a saving of £560, eye watering amounts of money. I rang to see how I go about cancelling. I was told that I would owe the rest of the 12 months remaining balance minus the three I have already paid. However, my insurer would effectively pay a proporti
  16. Hi i have been trying to find the actual legislation allowing taxpayers the right to choose to pay over 12 months instead of 10 if you notify your local authority before the start of the financial year. does anyone know what regs this ruling comes under? i want to be able to quote it in correspondence to my LA who are blatantly ignoring my right to make this choice myself. they are operating on the old system whereby they use their discretion as to whether or not you are allowed the 12 month method.
  17. I'm on a barclays bank account type (aka "bba") and i've gone past the £15 buffer a few times, 3 or more days past the buffer before paying it back, but have never been charged the £0.75 a day charges on any of the days I've been past -£15. As of recently I've been on for a period of 3 or more days now over the buffer to see if I would be charged the interest. This is recently though, and I could be just assuming the fees will appear at the end of the month and are not added day-by-day so they won't display on my online banking summary. http://www.barclays.co.uk/CurrentAccounts/Chang
  18. Dear community, Was hoping to get some friendly advice regarding an old debt with Barclays on behalf of a family member! Back in May 2009, an old debt (approx. £12k at the time) was transferred over to Barclay's Central Debt Collection Services (CDCS). At the time, an agreed repayment plan of £75 per month was set up for 6 months only, following which a review was to be made. This was the last statement of the account, which stated a 0% interest rate on the account. Funny thing is, we haven't heard back from Barclays/CDCS since! We've been paying £75 a mont
  19. Am seeking advice here due to the issue is with my ex partner. She received a text early November saying the account was been limited due to excessive use and a bill of over £200 been created. The payment was taken by DD even though no bill for the charges has been produced and was requested numerous times. Phone contact did nothing to resolve this issue and she advised them to cancel the contract immediately and send a final bill. She also informed them the DD would be cancelled and if the charges found to be legit then the bill would be paid. The SIM card was removed after that conversation
  20. I got into quite a bit of financial trouble some years back and, through hard work and kindness from my family, managed to climb out of most of it. Unfortunately, MBNA were one of my creditors and they weren't at all helpful in resolving my problems. To cut a long story short, I paid off pretty much all of my debts apart from MBNA who were receiving a minimum payment each month (and I was watching the debt reduce by maybe 5% of the minimum payment). I had a 20% pay cut and something had to give - MBNA were it. I rang them and explained what had happened and ask
  21. I am being taken to court by a debt company. One part of my armoury is that I have not recieved a notice of assignment by recorded delivery (or in fact at all) The company are saying that they did send one to me, although I have not mentioned the recorded delivery. The date they say they sent it was when I was when I was staying with friends in France, which I can easily prove if necessary. Can I ask that they provide me with the recorded delivery paperwork (which they must have used by law as I understand it) under cpr31.14? Am I correct in my understanding that
  22. hello all, this may be a long story lol i cancelled ALL my 79 year old mother in laws services from virgin on 31st march (phone and tv). after the 30days cancellation period i cancelled the direct debit. virgin left the phone line on and are still sending bills because the direct dibit failed and is charging late payment fees. i phoned them on 13th may and said theyve made an error and are still billing her , they said they'd stop and sort it - they didnt. just incase they made more errors i sent a letter explaining to head office. no letter/call to acknowledge
  23. I provided some services to somebody a few years back for which he did not pay. I took him to court and got judgment against him. He just stopped trading and went on benefits / job seekers allowance etc. I did not take any action and waited for him to start trade / work again. A few months ago noticed that he is now a director of limited company. So I sent him letter demanding the money reminding him the judgement. He suddenly resigned from directorship and put his brother's name as director of the company. Now I know he is working and earning good money. But it is difficult to
  24. Hi, I am wondering if anyone can help. I have an overdraft of £2570 with Halifax/Bank of Scotland. This was a student OD that I haven't paid off. I pretty much live in it every month. I have being paying their monthly fees every month for the OD without fail (since graduation in 2009!!!), however, my circumstances have changed. I am due to go on maternity leave in the next month, and will only be earning statutory pay of ~£500 per month after tax. This low wage means I will be unable to pay the ~£90 per month fees, let alone attempt to reduce the ove
  25. I had the misfortune to get involved with HFC bank nearly 10 years ago, and following personal and financial problems that led to my defaulting on the loan I am still unable to resolve the problem and improve my credit rating (currently 447 with Experian). First of all, HFC quite correctly defaulted me around 2005/6. I arranged a repayment plan with the CCCS but HFC refused to accept it. I paid anyway. They referred me to their collection agency and issued the default. I agreed a repayment plan with the collection agency but then was informed after a few payments t
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