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  1. Wondering if you have any updates on this? Been in Canada for 3 years - been paying back UK debt and SLC. Its crippling me with the currency conversion.
  2. I moved to Canada 2 years ago as a Permanent Resident and I've been paying the SLC for the last 18 months but now I've had a private loan recalled (father in law) and I can't make payments to him, MBNA UK (£10,000 on 0% credit card) and the SLC. I've decided to pay my family and MBNA but I want to know what damage the SLC can do to me. If not paying the SLC is going to ruin my credit then I'd rather lump it all in and default on the MBNA too so I can pay this private loan back quicker. If not I'm happy to pay. I get my citizenship next year and it's unlikely we will be returning to t
  3. I have 2 credit cards, both with Capital One, (£1.500 and £500), which I had been paying my due fees to every month, until recently, as I moved out of the UK to my original EU country. For the first couple of months I still continued to pay however things are not going well here and I've found myself with no money to pay the monthly fees. So I started paying £5 each month per card. I want to continue doing so, as I think that would not make things worse for me if at least they see I want to continue paying even if it's just a small amount. I don't know if that makes any difference,
  4. 18 months ago I moved out of my parents house into my first flat (renting) I thought that I'd set up all of my payments (gas, electric, council tax etc), Today I received a letter from united utilities saying they have recently found that my address is occupied and are going to send me a water bill. I've looked over my previous statements, and yes, I didn't inform UU that I'd moved in. I know this was extremely stupid! Obviously I have to ring them and sort this out, I have the money to pay for 18 months worth of bills, but am just afraid of what to expect when I call.
  5. Asking on behalf of someone I met earlier today. They moved into a council house 2 to 3 weeks back and have a problem with rats getting into the kitchen and bathroom via existing holes in the kitchen floor. Rats have been present in the rooms at the same time as the residents. The council advised they offer no free pest control service but the tenants can pay for the council to visit at a cost of nearly £50. Does the council not have a duty to deal with this as the problem was present when the tenancy started. And, if the council has such a duty, can someone quote the legis
  6. Good afternoon everyone, Yes, it's my first post at the forum because I haven't had any problems like that and my knowledge of UK's law is very poor on this field. Let's start from begining. I've bought a car in August 2017 and got few PCN's that I didn't pay at the begining. After few weeks I got 2 letters from Medway Council to pay two different PCN's that I've paid (last one was on 27th September). Two days after I've moved to another flat in gorgeous Chatham. I've informed DVLA about moving and have VC5 with new address and a date 08/11/2017. Since then I didn't
  7. Some of you are aware of the colossal screw up the DWP made when moving people from IB to ESA over the last 5yrs. Some 75000 were wrongly placed in the incorrect ESA group which has led to them being underpaid for years. I got some advice from a local community service, got the ESA3 forms from the DWP and asked to be moved from Cont Based to Income Related ESA... and pointed out that this would need to be backdated 4yrs due to their mistake. 3 weeks later I call to chase it up, spoke to a very helpful lady, who looked into it, awarded me IRESA immediately, and passed it to the team d
  8. Hi all, I'm new to this forum and hoping for a little bit of help and advice, if possible. Briefly, I owe cira £20k on credit cards and loans. All were taken out within the last 2 - 3 years and, as yet, I have not missed a payment on any of them. The breakdown is as follows: Nationwide Loan 8k (taken out 2015), Nationwide Credit Card 5k (taken out 2014), Virgin Money Credit Card 4k (taken out 2016), Sainsbury's Bank Loan 3k (taken out 2015). Like I said, to date I have not missed a single payment on any of the cards/loans (I'm frightened to do so
  9. Hi all, I'll be brief. We moved into a new property a couple of months ago (we're renting), and the agency supplied to the EOn our gas and leccy meter readings. Last week we received the first bill with the estimate consumption and, we thought, it looked reasonable. We then checked the meter reading ourselves for the first time and... SHOCK! The meter reads 27***, while the starting reading (two months ago, bear in mind), shows 21***. From where the meter is placed, it's pretty hard to read the little digits displayed, and we think that the second digit (the "7") got
  10. Myself and my wife moved into a 55 age group housing association flat around four years ago. It's been bliss for the four years, now the housing association has moved in a new tenant above us, he's a 58 year old Heavy Metal fanatic, our worst nightmare! As expected the noise has started to get worse, especially since the tenant purchased a boom box and a sound bar sound system, the noise isn't particularly loud but there is a constant boom boom noise which gets to you after a while. We went to see the tenant and asked him very nicely if he could turn the volume down because the noise is b
  11. Hi, We recently moved house and new property did not have and working landline. Previous supplier was Virgin Media but that was cancelled by the previous occupier's family. When I looked to transfer from my current home the website said I would have to pay a new connection charge for engineer etc. As BT couldn't provide the service I arranged for Sky to provide phone line and Broadband as part of my existing TV package, BT however want to charge £169.75 early termination of contract fee and a separate charge of £31 for "cessation of broadband." My question is simple, are they en
  12. I called EE stating that I moved abroad and they won't cancel my contract as I've only been in it for 4 months and would have to pay £631 for termination fee. I asked if it was possible to change my contract to pay less and they said no. Is there any way to get out of this contract without them being unfair?
  13. Ok, Here's the first one guys and gals. Its for the lowest amount and from Creation. They have sent me every statement, but just look at the enclosed letter and requested CCA. Enforceable or Not ?? Absolutely Blank!!! Nothing on it whatsoever. Now do I just sit tight and wait, or send a letter back advising they have defaulted on sending the required agreement. My instincts are to just sit and wait as they obviously can't provide it, but what are the thoughts of you experienced ppl. Thank You
  14. Hi I am having some issues with Virgin Media and would appreciate some advice. I took out a contract with VM in February of this year when we moved house into rented property. It was an 18 month contract for phone and broadband only. Then in July we were given the opportunity to purchase a property on a government scheme in a new housing development which we did. I had hoped to transfer the contract over but VM said they couldn't supply me in the new property so I would have to cancel the contract but they would charge me £240 for the pleasure of doing that (the remainin
  15. Could someone help me understand what "Moved within area" means. I recently applied for housing benefit and got a letter from them saying that claim has been cancelled and "Moved within area - Please reply."? Any help please?
  16. I am currently registered as a single person living at my address and I get the single person discount. My girlfriend moved in January 1st and I need to update my council tax. I want to check if I would get into trouble for not updating this sooner, can they back date it?
  17. Hi guys, I was referred here by a colleague because you were helpful to him. I was living with a friend up until recently. He has moved to Australia (15th September he left). Since his departure we have received many letters from various companies, but I have no idea of their names. The envelopes are blank, with nothing but his name and a return PO Box address on them. This morning we received a hand delivered letter, which is the calling card of debt collectors I am lead to believe. Again I don't know the company involved. I have spoken to said housemate about this, and he
  18. Hi, I'm new here. I'm currently on ESA in the support group. I received a letter a few weeks ago saying that as I'm now approaching state pension age ( 6th January 2016) I was going to be paid £111.28p a week as off 25th January. I don't qualify for the full amount of £115 as I don't have enough stamps. My question is...will I be eligible for pension credit on top of my state pension as this amount is a lot less than I was getting on ESA. I live alone. Thanks in advance for any replies.
  19. I too have stupidly done the same thing Scotia39. I had my partner move in April of this year and been claiming as a single parent. He earns less than me 14,000pa and has been paying the rent on the house. Had a letter today from HMRC and they want bank statements, bills etc....everything in my name still but just so wish id told them. Feel ashamed of myself .
  20. Circle housing are known for being terrible when it comes to repairs. I've just moved into a new flat a couple of days ago, I found 7 faults, 2 of which I fixed myself (loose waste pipes / light starter). but the other 5, are a bit more complicated. Window very loose and doesn't close properly, leaking copper pipes (only when water is flowing), toilet doesn't stop filling up (I turn this off at the valve when not needed), outside light turns on and off, and a heater doesn't work. I have reported the faults, and listed the issues, explaining that the water doesn't leak when the taps
  21. On behalf of friend. Works in retail as shop manager in Wimbledon. V good at job and is considered best manager in area. Area manager want to move him to a struggling branch in new malden. He doesn't want to go. What are his options. Have asked him to send me contract.
  22. Hello all, First of all, wonderful site and greetings: Over a year ago, I had some letters from a company called Erudio over an alleged student loan, (pre-1997 old style contract) As well over a decade has passed without acknowledging any debt or indeed action, I understand it to be statute barred. I moved well over a year ago and for six months had my mail redirected from my old address to the new. I began receiving demands for monies from Erudio (written to the old address), claiming that I owed them money, I hadn't heard from SLC prior to that; Erudio also
  23. My friend received two letters on Saturday. He has been in the support group for a while, and was awaiting the outcome of an ATOS assesment. Letter 1 told him he had been moved and has lost the support elemen of his money and Letter 2 tells him that he has a Mandatory Work Interview this Thursday, at the local jobcentre. I am not going to try and deal with an appeal myself, (too much has changed and too much is at stake for people if I cock up as a non-professional). I am going to refer him to a local disability charity that helps with these things. Quite well apparently, for a s
  24. My partner is going to move into my rented room with me which is in a shared flat. I am paying £370 for the room currently and our contract is up for renewal at the end of the month. The landlord is happy with her moving into my room but is going to charge £170 (half my rent value). This means we are now paying ~£540 for the room which is £140 more than my housemate pays for a room twice as large as mine. The landlords justification is that this is an industry standard (i.e. to charge half rent to the second person) is this the case? Apparently its to cover additional wear and tear. It se
  25. Hello all, Thanks in advance for having a look at my post. I've been abroad since finishing university in 2004, while my loan was taken out in 1999 making it a new style loan. No contact was made by either side (i did not tell them I was moving abroad nor gave any info about my work life) until march this year when my old UK address received a letter asking for income info. I sent a reply stating I am abroad and working and an SAR to boot. 2 months later no reply. I am about to sent the "no reply to SAR within 40 days" letter but I'm worried about f
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