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  1. Hi i know this has been probably asked a thousand times but I'm just not sure where I stand. I am due to emigrate to Australia and have OS debt in the form of CCs and loans. I have always intending on paying them and will be leaving enough money in my UK bank to service them for the next couple of months. However I'm worried about what will happen if I fall behind in payments and cannot continue to pay them when in Oz. I have prepared letters informing all my creditors that I will be residing overseas (not told them where). It is my intention to not come
  2. Hey all So I moved into a property on 29 July 2015 I payed £675 deposit and £675 one months rent advance We’ve just been excepted for social housing so have now given notice on this private property. As it’s 4 weeks notice from today this gives me until the 11/03/19 The question is about what is left to pay, am I right in thinking as it’s payed in advance that the £675 I payed on 31st January covers February’s rent until the 28th So I only have to pay the 11 days of March rent as I’ve already payed February’s Or Do I still have to pay February’s
  3. Hi, I am looking for advice please. At the moment I am heavily in debt with credit cards and for a few years now have been making agreed payments to my creditors on a pro rata basis. Although no interest is being charged there is no way I will be able to clear these debts in my lifetime without either going bankrupt or an IVA. I am 67 years of age and an IVA would take me to 73 and having to live on the breadline for the next 6 years isn't how I had planned my retirement. I have a mortgage and a 2nd charge both on an interest only basis if I were to sell
  4. I have recently (well still in the process of assessment) had to go on Universal Credit due to moving into an area where they have rolled it out in the past two months. I was on Income related ESA in the support group and was told when reporting my change of address that I would have to claim the new benefit. As mentioned I am still in the 4 weeks and 1 week assessment phase. The property I have moved into is incredibly small and it is affecting my condition due to feeling claustrophobic, consequently I am considering moving house again out of the area to another region where UC isn’t ev
  5. Hi all, 1) With my last claim for JSA you didn'tt have to allow the DWP access to a UJM account. Is this still the case? 2) Does UC also replace HB? 3) Overall is the net money lower with UC (I'm guessing so). Thanks all, JB
  6. Just a quickie folks - am moving back to the UK from Portugal after 9 years away can I check my credit file as per my old address to see what has be recorded against me since I left Nothing major left behind just 5 small debts for utilities and credit accounts etc also a council tax bill for about £430 on a liability order which Im sure will bite me on the ass after return:oops: How should I play my return? Advice appreciated:-) Paul
  7. I will do my best to ask my question without making it too complicated. I have 14 separate diagnosis. I live currently in the home I raised my children in, which was recently transferred from the council to a housing association. All my children have left home. I have carers coming in to help with personal care and domestic tasks and taking me out into the community, i.e. shopping, coffee out, for 7 hrs per week, the remainder of the time I am at home, in doors and extremely lonely. It is having a real impact on some of my diagnosis. I have a friend that is returning from outside the
  8. I have been on the waiting list for a hip replacement for 6 months now and have been told it could be another 5 or so months wait. My problem is I have sold my house and am moving out of the area. When i register with my new GP will they try and put me on the list at the nearest hospital (the bottom of the list) or keep me on the one I am on. i have looked on the NHS choices website but there is no information about this ,only that I can choose hospitals.
  9. Hello all, I'm in the process of renting a flat through an established letting agent and they are taking a long time to send the tenancy agreement. I have signed a contact with the agency and made the initial payment for the first months rent 15 days ago, and should be moving in soon. Whats the course of action to take to ensure i get something in writing asap, as txt messages and phone calls do not work, it's always "will be with you soon".
  10. Hi Everyone, I would really appreciate your help here, as I think the Post Office home insurance are mis-advising people. I am moving out of my housing association flat to a house I just bought with my girlfriend. I have a 6 week overlap for the two properties so we can renovate and decorate prior to moving in. I already have contents insurance for the new house. My flat was covered for the last 6 years by the Post Office, I told them I am moving and have to cancel the insurance as there is already insurance at the new house, so they can't insure it. As such they have to cancel in
  11. Guest

    Moving to Spain!

    Hi, I am moving to Spain next year but I have around £18k worth of old loans/credit cards which the creditors keep pursuing with letters and phone calls, these debts are around 15 years old and have been pasted from one tinpot company to another. My question is when I go and not bother telling these companies will they chase me? I also plan on taking out some store cards now for various things I will need when I move and making the monthly payments and then just stop when I go.
  12. I am looking for some advice dealing with the DCA chasing after an alleged debt they say I had with Npower. I paid every month by direct debit and as far as I was concerned all paid off and sent the final meter reading on the day I moved out. I called them few months later and was told what the final bills was £36 and paid off. Now a DCA sending letters, but the company name is Npower Northern which I have never known. My bills had the name Npower and not Npower Northern. Have they changed names? How can there be an outstanding amount when paid by monthly
  13. My partner had been on ESA and PIP for a little over a year now and has just been offered the opportunity to become self employed. This would allow him to return to work in a way that he would be able to manage with his illness and we are both very keen to try and get this off the ground. He would be forming his own company rather than being a self-employed contractor so money obviously wont start coming in right away. My understanding is that PIP is unaffected by either working or self-employment, is that correct? If so its only ESA to worry about, obviously his ESA stops because he is
  14. Hi All, I'm looking for some advice regarding my debts because frankly I'm an idiot and don't know where else to turn. My situation is so: I have £10k or so left on an unsecured Natwest Loan which I originally took out back in 2015 but have rescheduled a few times, I'm pretty sure it's supposed to run for at least another 4 years at around £300 a month. I also have £1900 on a 0% credit card which doesn't run out till September 2019. I will however pay £300 or so off this next month. I also have phone and tablet contracts which run to about £960. I move to Can
  15. We received a letter from Npower recently, included was a "final" bill, saying we were £347 in credit. I have no idea why they have sent this now, considering we moved out of the propery 5 years ago ! I have also now received a cheque for the amount owed. Should i complain, do i have grounds for claiming for lost interest or any other reason. I remember they completely messed up our billing for about a year before we moved out, however i thought it had all been settled.
  16. Hello, I am posting here to see if I can get some advice regarding employment and support allowance. My history is that I currently recieve ESA in the support group and have been on this benefit for four years now with 3 reassessments including my first in 2012. Twice I was placed in the support group after a WCA but after my second assessment I was initially told over the phone I would not get any benefit. I asked the DWP on that call to reconsider and about an hour later they called back telling me I was again in the support group. I am now waiting to find out about my next assessment
  17. Hi all not been on here for many years but i hope im asking in the right forum, if not please move Ive got a DMP had it for several years slowly steadily paying my debts off . The thing is my dad owns a few houses and to offset any inheritance tax he's thinking of putting a house in my name, now if he does and i sell the house ill have x amount in my bank and if my creditors see it they will want or even might want their share. I want to put the money into a project that will earn more money which means i can pay my creditors off when it suits me Now my quest
  18. I have been on income related ESA in the Support Group for about 4 years now. All the time I have been on ESA I have lived with family members and recieved no other benefits such as housing benefit etc. At some point over the next month or so I will be moving in with a partner. My partner earns over the threshold I will lose all benefits once I move in with them. The house my partner has bought earlier this year is currently being renovated and due to my ill health I cannot move in until the work is complete which will hopefully be soon but I have no definate date. As far as I know I nee
  19. Hi there, My mother currently lives in North Wales, she suffers from ill health (heart problems that are degenerative, and long term) she has a pace maker, and currently receives PIP and is entitled to ESA but has a part time job of 18 hours a week, and a partner in full time work. Her partner is useless. She spends all week in her caravan (closer to work) because he wont travel 20 minutes to drop her off or pick he up, the caravan she is in at the moment is suffering from damp and mould (this is not her caravan, its a rental, she has her own on another site but the season is over un
  20. Hi, I've been a customer of Barclaycard since April 1996 - so a very long time! A couple of years ago after a messy divorce , I found myself in a bit of a financial mess to the point where I had to enlist the help of StepChange to sort things out. Until now, Barclaycard have been fine and were happy to accept the payments from StepChange. Unfortunately I missed a payment which "broke" the agreement but they were happy for me to continue on an "informal" arrangement and indeed back in March this year when I contacted them they assured me that there were n
  21. hi all Thanks to the great advice ive received on here, ive done some CCA requests and it seems out of my £21k debts around half cant take me to court as they dont have an original copy of my agreement. My debts were managed by payplan (they have been a complete disaster btw) but now i am writing to my creditors to ask them if i can pay the money directly to them instead of via payplan. As far as i know, payplan will only pay ALL my creditors, they wont just pay the ones with a CCA agreement for example. So taty means they are no use to me anymore and i should
  22. have both phone and b/band with bt moving house in 4 weeks so visited bt moving home site no charges to be paid as prop moving to is supplied by bt;however bt say they need to make Credit Checks(no bother) but they say I must sign a new contract for 12 months, my query is, as im being treated as a new customer do I get all the benefits ie. discounted bb etc or is this just another bt trick to keep you with a rubbish provider, I want to swith but mrs sopwith says no, further they cant provide me with service when I move in. any advice would be appreciated. if I have posted this in the wr
  23. Hi all, I am a UK national hoping to move to the Netherlands very soon and would like to know what benefits I am entitled to take with me, I am worried as I have done this once before and all my JSA and DLA was stopped due to my no longer meeting the UK residency criterior. I am in reciept of PIP (Highest rates) and Income related ESA, I recieve approx two payment of £360 PM ESA and one payment of £416 PM Pip. This is enough for me to live comfortably in Holland, but I fear as soon as I disclose that I am abroad they will stop my benefits again. Please can anyone offer me any advice?
  24. im really confued as i didnt attend the medical but sent off a form explaining why , i then recieved a letter back saying :"we have looked at your reasons for not attending a decision maker says you are capable of work from the 15.04.2010 " (this box was ticked) then underneath is says "this means we have decided that you are no longer entilted to which were : Box One : Incapacity Benefit And National Insurance Credits Box Two : Severe Disablement Allowance Box Three : National Insurance Credits The Box They Ticked For Me Were Just : The 3rd One "National Insurance Credits"
  25. Hi, I apologise if this is in the wrong place but I didn't know where to post it and I desperately need help as I am going out of my wits with worry and stress. This will be a long post Me and my partner split up when my son was one. I see his quite a lot so I am lucky in that aspect of it but I don't think its due to my ex being nice more so not being able to cope. Anyway she met a new guy and all was going well. I met him a few times and all went well. My time with my son was not impacted. About a year after they got together I had a letter from Social Services saying h
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