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About Me


  1. Hello all, I just wanted to gather some advice regarding this, as I am currently thinking of taking it down the route of small claims court. Around about 2 years ago (23 months to be exact) we had to have a new meter installed at our flat due to the monitor on the then existing one breaking. No worries, that is absolutely fine, crack on. Slowly but surely we started to see a dramatic increase of the price of our bills. From when we were paying on average £40/50ish (one bed flat), started to become £100, sometimes £200 plus. Obviously to any rational human being tha
  2. I'm hoping that someone can give me some advice. Long story cut short, my 20 year old son is covered from head to toe in a severe rash, probably psoriasis. Its even in his scalp. it's affecting him both physically and mentally. , This started in May last year, various creams were prescribed to no avail. GP referred him to Dermatology in about June. A letter arrived with an appointment at a health care centre for July, we arrived to be met by a nurse who took the family history-He had already given that to the GP, she took some photographs and said she'd email the Dermatologist. A letter
  3. I have an ex Friends Life with profits investment bond now under the ownership of Aviva. This was transferred to me by my mother. Over the past three years I have made a number of successful partial withdrawals on the policy without issue. This all changed when in early September of this year, I submitted another partial encashment for £3000. After not receiving the money within 10 days I contacted Aviva and was told that due to a technical issue sufficient units could not be cancelled to action a payout. Therefore, the process was delayed. To exacerbate, the issue, I had a buil
  4. Hi everyone. I'm hoping I might be able to glean some information and guidance from this great community. The problem is one you may have heard many times involving benefits and concerns my daughter: Factoids My daughter is 22 years old and lives with 1- year old daughter and fiance in two-bed Sanctuary Housing flat (council housing association). Fiance has no income and is on a company training course with the promise of a job at the end of February. This is their first home and lived there since May 2018. Father (me) is also her Power of Attorney - she has severe mental
  5. Good morning, first of all this is the first time i’ve Used a forum so pardon my ignorance. I was a member at lifestyle fitness on Hagley road, Birmingham. I paid for a 12 months membership and only went twice. I cancelled my membership and received a “Sorry you’re leaving” email. Maybe a year later I rejoined. The building having changed Hands to “TheGymGroup”. I was paying by the month and I was using the gym. I got really fed up with the gym and the lack of equipment . I quit my membership through the members app. Again I received a “Sorry you’re leaving” email. That
  6. Good afternoon all, I hope that the good posters in this forum will be able to advise me on how to resolve a problem that my neighbours and I are experiencing with the electricity meters for our flats. Please bear with me while I give you the background to this problem. In our apartment block (total of 9 flats, 3 on each floor) our meters are in a locked/coded room, with the management company's logo on the door. Residents are given full access to the room. On Monday 16th July 2018, I experienced several power outages. When I investigated further, I found an electrician w
  7. Here's the back story so far: 1. I order a washing machine from John Lewis online. 2. It arrives & is installed by John Lewis. 3. It starts leaking an hour or so after arrival. I call JL straight away & they tell me they can't refund or replace and suggest I call the manufacturer of the machine. 4. I call the manufacturer & they don't answer the phone for hours & it keeps getting cut off. I call back JL, they call the manufacturer for me. JL still insists upon a manufacturer's engineer visit, the next one is 8 days away. 5. A week later, engineer arrive
  8. I could really use some advice regarding an ongoing issue with scottish power. the issue is there is now a large amount of arrears on my account (£4K) due to an ongoing complaint.... Numerous times I've entered into an arrangement plan with SP to cover both current usage and arrears repayment. It comes out on one direct debit. A few times I've had to use their online system to change the direct debit date. The issue is, is that when the date has been changed, they still take the arrears 'element' of the direct debit on the old date not the new one causing me to go overdrawn. I
  9. I need some help urgently as I'm really on the verge of a breakdown with this. Until Sept I had a near perfect credit record and then as I was looking to take advantage of a renewing a few 0% credit card deals I started to be rejected. It soon became clear that I had a default for £4,600 on my credit file. I enquired with the company concerned and it relates to a property that I owned and had to take possession of in April 2013. It's a long story but it was derelict after it was abandoned by a previous long term tenant. Because I could not get insurance I sold it within 3
  10. Hi everyone, Is there anyone else having trouble trying to get their license back and you just keep waiting and waiting and getting fobbed off with excuses when you phone the medical dept at DVLA. A quick summary of my case is on the 2nd Dec 2014 i had a freak accident in my HGV, in that I was going one way and another HGV coming towards me when both wing mirrors touched, usually not a problem, but this time the other guy's just smashed and mine came around and hit the side window and smashed the window, then the mirror detached itself and flew in through the cab hitting me at the si
  11. Please can someone shed some light on this for me. Long story short, I have a credit account that was opened in 2010, it defaulted in 2011, CCJ in 2012 and interim charge order in 2012, This account has only been reported on my credit file from 2014. no info is showing for 2012 or 2013 therefore no default shows up and the account is reported as 6mth late payment. Is this correct? if I pay the debt in full does the whole debt fall off my file as it was over 6years old in 2017 or stay for another 6 years after payment. The company say that the default was
  12. Hello, Hopefully someone can provide some solid advice! We agreed and signed for a property after viewing on the agreement from the management agent that various jobs would be completed prior to our official move in date. Upon picking up the keys we went to check the property again to ensure these had been done - none of the jobs had been other than cutting the grass. Upon further examination it also turned out that: - There were no electrics - There was no hot water - No heating - No smoke alarms - No CO2 alarms - Property not cleaned as agreed (to the point there ar
  13. im new and im so hoping someone could help me , im 38 year old woman and im actually scared everytime the door knocks or the phone rings , i lost my mother through breast cancer last week , i didnt pay ANY bills in fact i even got an £80 penalty because my direct debit didnt go through for tax on my car ! so i obviously didnt contact anyone but these people at perfect homes oh my , they were ringing around 12 times a day (my brother took my mobile off me as i was in a mess) well i finally plucked up the courage to ring them today and i explained that id lost my mother and
  14. Hi All, I recently was on benefits and was getting help with our rent & council tax, after finding work and getting out of the benefit rut, we are slowly getting back to normal. However after calling the council to arragne to set up a monthly payment only to find they have place our account with JACOBS and we have to contact them now and not the council. We called the company Jacobs asking them how we can pay as my wages are now paid on the last day of each month. The bailiff stated at first he did not have the paperwork and would call me the following day ( He did not ), last night
  15. Hi, All Can anyone help, we have been issued a summons to attend court for non payment of council tax, which is incorrect we paid last years council tax in full, and the summons relates to an outstanding amount from 2011, during that time I was unemployed. They demand payment of £490.00 now which clearly we do not have as the same time as the summons the council have sent invoices relating to housing benefit over payment ( 1 invoice £207.72 from 30/11/2009 ) & ( 1 invoice £288.46 from 28/02/2011 ) I have been paying the council in full every month last years bill in full
  16. approx.: 10 months ago we had a leak in bathroom. called Royal sun alliance Insurance to make a claim. claim exceeded a fixed amount of money Royal sun alliance handed over to Cunningham Lindsey as their loss adjusters. 10 months have passed and still no works completed. I have attached a letter that I intend to send this week to loss adjusters. we want to know if we are entitled to compensation due to all the stress & inconvenience we have had to endure, such as doctors & hospital appointments. Cunningham Lindsey letter of complaint - Copy.pdf
  17. Hi all, I'm hoping for some advice on how to proceed further with Very.co.uk. I received a broken bed for my three year old son on 22 May (after delivery was delayed a week due to the bed getting lost in the warehouse). Half the parts that hold the slats to the bed were broken and unusable. I immediately rang them - they took the details and said their parts team would send out replacements. I also sent a message via my account at the same time. Having heard nothing I rang them again on Thursday 25 May and was told that the parts had been sent out an
  18. My Fiance bought an Aquarium Air Pump from our local branch of The Range. Within 48 hours it packed up and stopped working. We took it back (lost the receipt though) and asked for a replacement. They couldn't find the transaction on their system even though we could clearly show the payment had been made using a debit card as it was on the online bank statement. They still refused to replace the faulty pump as they said we could not prove we bought it from them. They told us to contact the manufacturer Interpet to get a replacement from them. In the meantime we went o
  19. hi folks, in a bit of a predicament regarding an accident back in July 2016. I am insured through Allianz through safeguard for my motorhome insurance, back in July i had a buyer for it, so decided to use it one last time before parting with it. on my way home, passed through a town not far from my home address, is a narrow street, with cars parked down one side, in designated parking bays, but these take up half of the road lane, meaning anyone passing will have to straddle the other lane of the road, the wrong side, the other lane has double yellows,
  20. Hi all wondering if some one can help me Back in November I went to the local hospital with my son around 9.30pm I went in to the a and e car park which normally is a barrier ticket on arrival system which sometime later at night is kept up So In my rush to go in I didn't notice due to work it had been removed and replaced with pay and display there was a board running threw middle of car park which meant I had to go up stairs to find a space up stairs was in complete darkness I went in to a and e and when I came at at 4am there was a ticket on my car still not understanding w
  21. Hello all, can someone help please. My daughter joined Xercise 4 less Nottingham in October 2015 for a 12 months contract. Before summer holiday she phoned the gym to freeze her membership as she was leaving UK to return to Jersey for summer holiday. She was asked to turn up at the gym to prove this and she did (with her flight tickets). In June, in Jersey my daughter joined another gym and injured herself, further examination her injury has happened before this membership (presumably during her time with Xersie 4 less). The injury sustained had made her u
  22. When my husband died last year we were in arrears with our Council Tax. I went to the Council and an arrangement was put in place which I've adhered to. Until yesterday, no problem. Yesterday, two letters come through the post from Ross & Roberts addressed to my husband. They were pay up within 7 days or we will take you to Court letters. Being somewhat bemused by these letters, I had a vision of letting them take my husband to Court, me going to Court to "represent" my husband and asking the Judge if the Court could employ the services of a Medium so my
  23. On Wednesday, 4th Nov 15, a JobCentre Workcoach at Seven Kings Jobcentre, instigated a full scale row with me about my apparent job search failure, even though I applied for 33 vacancies for period 21/10/15 – 4/11/15 - so she's clearly insane and her judgement is off at best and worst she doesn't listen to reason nor pay attention to months of evidence. (This is my 2nd complaint against this particular Work Coach for bullying – the first complaint being the 10th September 2014) She battered me about why I hadn't secured interviews for the amount of jobs applied for,
  24. Hi all, I apologise in advance for the long-winded post and hope you can bear with me as I explain my situation as I am confused about what I should do next and could really do with some advice! I live in the South East and occasionally have cause to use the dartford crossing which in late 2014 converted the toll system to an online system where you could pay within 24 hours of a crossing. I set up an account in April 2015 for my husband's car which I credited with £10 and authorised to take automatic top-ups as and when needed. We then proceeded to use the cr
  25. Hello hope I'm posting it. The right place I owe about £5500 to the rates people. Live in ni. ot disputing it just need to try to pay it now. However I had a warrant for arrest issued and attended an interview I am awaiting the outcome. My question is would I know if I had a charging order? Do you have to get a CCJ first? I've buried my head in the sand until now. Any help appreciated x
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