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  1. Hi, I'm new on here and could do with some help, please. 12 weeks ago my friend ordered some parts for a roof extension he was making. He was verbally promised that the parts would be with him within the week. He paid a 20% deposit at this point. 9 weeks later the parts arrived and he was happy with them. 2 weeks ago my friend received a voice message from the company threatening court action if he didn't pay up. He then wrote to them (recorded delivery) to request an invoice as he planned to pay. This weekend they eventually sent the invoice for the amount plus £185 C
  2. Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to rem
  3. How much rent can you afford? An interesting article with links to government and local authority calculators. It points out that you need to consider far more than just any fees and the rent itself, but all other utility bills, council tax, water bills and in some cases, service charges.
  4. In November 2005 I was called into my bank for a “financial review”. At that time, I did not realise it was going to be a hard sell of bank products. I was sold a £20k loan. When the time arrived to sign the paperwork, the local printer couldn’t produce it – I guess an IT issue. They managed to get part or maybe all the first page printed (on screen it had many pages), which I was asked to sign or initial – I don’t remember what, in the footer area of the page. The £20k was deposited into my account the same/next day. I was advised a full agreement would be
  5. I work for a welfare to work charity and have done for 6 years. The project I work for is coming to an end and I expect to be made redundant on or before 6 months time. Lots of staff have left and I am being expected to travel to outreach offices and this is now over 500 miles a week (in 4 days), they do pay travel. I have always driven for work but I am nearly 60 years old and am finding it tiring and stressful, the company's answer is that there isn't anyone else or enough work in my area. My question is, please, is this unreasonable? I feel I can't keep this up fo
  6. Hi, I’m hoping for some advice for my uncle. He is 71, has had schizophrenia all his life, used to live with his parents till they passed away 15 years ago and now lives alone. My mum (his sister) and my dad visit him weekly to check on him, take him some food and do a little clean for him. He receives DLA (lowest rate) and pension credit and has rent paid on a small run down flat. He is usually very private about his finances last time they visited he was very anxious and told them he received a letter from the DWP to ask for bank statements to prove his amount in savin
  7. Due to recently selling my house and buying a far cheaper house elsewhere I now have a bank balance of £149,509.10 in my Santander account. Despite this they pay me no interest at all. Santander said I could obtain a different type of account that would pay me interest but only on a balance up to £20,000. I am of the impression that the bank doesn't want my money and would prefer me to transfer it elsewhere. I find this very strange indeed because I thought banks needed people with large balances so they could lend to other people and charge interest on the loans. S
  8. Hi - I have looked through the stickies and can't seem to find this. On allocation form (as a Claimant), it says to pay the 'allocation fee' Is this the same as hearing fee? Or a different fee? Thanks, MH
  9. How much rent can you afford? An interesting article with links to government and local authority calculators. It points out that you need to consider far more than just any fees and the rent itself, but all other utility bills, council tax, water bills and in some cases, service charges.
  10. How much rent can you afford? An interesting article with links to government and local authority calculators. It points out that you need to consider far more than just any fees and the rent itself, but all other utility bills, council tax, water bills and in some cases, service charges.
  11. A couple of years ago I had a CCJ issued against me for a Lloyd's bank account, I agreed to pay an amount each month which I have stuck to. I'm unsure how much is left outstanding and seem to have mislaid the paperwork. I contacted Northampton to see if they could help with a statement of some kind so I know where I'm up to but they just reduced my monthly payment by £20. I was just wondering if anyone knows the correct route to take to find out how much I still owe? Thanks
  12. Hi I'm hoping you can help my sister with this quandary. She has some mortgage arrears for various reasons but they are now wanting to sort this issue out. A court hearing has been booked but her mortgage company have called and said they are willing to help and look at options. The arrears are around £5800. Going forward they can pay the contractual monthly payment plus an amount towards the arrears. The mortgage company say they will consider this but a i and e form must be completed. So I'm trying to help her work out what might be seen as a reasonable offer Their income is £
  13. I have at last found a smaller property to move into, given the LA a months notice that I am moving out. Today I got a letter from them with a long list of must do and must no does, one is allowing prospective new tenants to view the property, they say they will of course try to give me notice as possible....am I allowed to ask for at least 24 hours notice and restrict the amount of days they book views for? Also how do they/or should work out deductions such as redecorating costs...I am not able to do any decorating, considering we have been in the house for over 6 years and it wasn
  14. Hi! I have used the break clause in my tenancy contract to terminate it. It required a 2 month notice period, which I gave and was accepted by the landlord's agency. This means that my tenancy agreement ends by the 25th of August. Nevertheless, my rental period usually runs from the 8th of each month. I have assumed that, if the tenancy contract ends by the 25th I would only have to pay from the 8th to the 25th but the letting agent is asking for a full month rent... He says the overpaid money will be returned and that they do this to protect them from tenants not leaving at the end of
  15. 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
  16. http://www.mirror.co.uk/money/high-street-banks-charging-customers-8381277 Got to get back some of that money they have been fined over the past couple of years !!
  17. I am looking to start proceedings against City of London to reclaim costs for successfuly defending a parking ticket. can some one please point me in the right direction as to the amounts I can claim for, cost of a letter or hourly rate for my time ect.. Thanks in advance BB
  18. Hi Is it ever possible to find out how much a debt has been sold on for? My old bank (Co-op) sold my two debts onto Cabot (when they desperately had to dump old and non productive debts) but the DCA remained as Fredricksons. I have continued to pay this but as I am a disabled pensioner on pension credit which does not keep up with the cost of living I was looking to take my life back and try to get Cabot to agree to accept a write-off with a token payment. So far, against everything they said, they have raised a complaint against Freds that I did not make in any way, investiga
  19. I have just received 2 attachments of earnings for old council tax debt. One is for £1070 the other £72.50. My monthly take home pay is usually around £1800 and this month I have been paid £1300. I have been on an online calculator and found out that they should have had £317 for the first order so with this takeb off I would have been paid £1483, even if the entire amount of the second order was deducted I would have been paid £1411.50. I called them and they even said that I shouldn't have paid this much but in a word tough! Is there anything I can do. I was expecting maybe £300 and
  20. Hi, I am really stressed. I have received claim forms for the County Court for a HBOS debt being claimed by Lowell/Bryan Carter. The claim is for £740. I did have a Halifax account a few years ago and it went into arrears for around £150. Is there anyway I can ask the court for them to make Bryan Carter provide full information for the amount claimed as I am not certain it is this debt and can't work out how it has gotten to so much? TIA
  21. Posting this in attempt to try to help my friend who was quite irresponsible with her credit cards. I think they are all with different banks and she says no way for these to be combined into one or for her to get a loan (bad credit rating) to pay them off. £1000 overdraft on each card so £3000 in total plus monthly interest rates piling up on top of each sum plus I think there are some late payment fees too or something. She only can make small payments (meeting the monthly minimum) but it is going on for her for almost 3 years now and because of the interest rates piling up on
  22. free meals and refreshments appropriate to the delay Does anyone know what this means? I was recently delayed coming back from Portugal. After 2 hours we were given a voucher for 5 euros (£3.50). A sandwich cost 5 euros so we had to pay for drinks. Am I expecting too much to want refreshments to include at least a drink with my sandwich, I suppose I could have had a packet of crisps instead.
  23. Well,i am back again.When many of you post it gives me ideas. I like it in here.Sometimes it frightens you,sometimes it enlightens you. Enough of that,could go on for a while,ramble on for ages if left to. So what tips have you got for home and garden.Maybe handed down to you from your family generations ago.Maybe last week. I have seen two on another thread but will let them find their way here and tell you themselves. So who is first going to give us a tip. Not one for the 2-30 at Doncaster Race.
  24. Hello, in the last few days have I discovered that Vanquis Credit Card company are [problem]mers. I already have credit cards with Barclays and Capital One, and manage them perfectly well, am not in debt to them. I apologise, here, for the length of this post. In June this year, I received (junk mail....) an envelope from Vanquis, offering me a credit card with them. Because I was in need of a bit more cash at the time, I stupidly filled in the online application form, and then received a phone-call from them. They approved me for one of their cards. I did NOT then know
  25. I have been suspended from my job been 4 weeks now and in such a state cannot eat or sleep 15yrs service, no previous issues of anything not even timekeeping. I am not doing good with all this.
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