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Found 40 results

  1. I had a time to pay hearing today for a credit card debt. Cabot was represented by nolans. I offered 10 per month on my court documents. Nolans rejected this and today we had a hearing. I'm a bit confused by it all. I said I was financially struggling. I was told an open decree was granted and I had to pay. So what does that now mean? I asked what happens next and was told that was up to nolans. Help!
  2. Dear RMT/Southwestern Railway, I am a wheelchair user and do not drive, so am entirely dependent on public transport. I had intended to travel to my sister’s home on Saturday 21st December. When the strike on that date was announced we explored various alternatives as I cannot risk travelling on a train that would have already been crowded but is now likely to involve additional changes and be even more crowded, if it runs at all. One of the services I need to use only has one wheelchair space, so if it’s already occupied I could have ended up waiting hours for another train. I cannot use National Express coaches as my wheelchair is too heavy to be carried as luggage and is not suitable for use on their accessible buses. With no other option, I eventually and very reluctantly agreed to allow my brother-in-law to undertake a 4 hour return journey on Christmas Eve to fetch me. I detest having to disrupt his Christmas Eve plans and also will not be able to enjoy my stay nearly as much as I’ll have no time to get over the pain travelling inevitably causes me before the big day, but it’s better than not being able to get there at all. Yesterday, RMT announced a further strike on 27th December, the day I need to travel home and the day that both my sister and her husband have to go back to work. Again, the trains would be crowded anyway so that any that do run are going to be much worse, and again, there’s the issue with limited wheelchair spaces being already occupied. I have travelled during a previous strike and did eventually get to my destination, however the whole experience was horrendous. At one station I actually held up the train’s departure for nearly 15 minutes whilst station and train staff attempted to clear enough passengers and luggage out of the way for me to reach the wheelchair space, and whilst I cannot fault any of the staff or most of the passengers who had to move, it would have been a humiliating experience even without the few who complained. There have been enough horror stories about disabled users and public transport in the news this year for most people to be aware that any journey on public transport is a challenge. Add in strikes at an already busy time of the year and the challenge becomes insurmountable. The fact that the strike seems to be over something that wasn’t ever going to happen anyway is just the icing in the cake. Southwestern say they’ve never intended to run guard-free trains, RMT say they will, so who is telling the truth and why do they have to wreck my Christmas to sort it out? Perhaps someone could spell out for me what is so terrible that it's worth leaving me, or anyone else, to spend Christmas on their own? I'll definitely be thinking of you both as I tuck into my turkey burger and pudding for one.
  3. Open Consultation Banning the use of combustible materials in the external walls of high-rise residential buildings READ MORE HERE: https://www.gov.uk/government/consultations/banning-the-use-of-combustible-materials-in-the-external-walls-of-high-rise-residential-buildings Important please be aware this consultation closes at 11:45pm on 14 August 2018
  4. So here's a brief rundown of my situation. I have a large loan with RBS, and was paying it off fine until about 8 months ago when I got into serious financial difficulty. RBS helped for a short time reducing my payments to just £1 per month for three months but of course still adding interest at £200 per month...which by the way they said they would not do but that's another story. My circumstances didn't improve and I have spent the last 5 months trying to reach an agreement with them. Eventually they agreed to accept a token payment of £1 per month and stop all interest and charges. However they also said in order to do that they would make my accounts "non-operational" and that I should return my debit card and see other banking facilities elsewhere. Fair enough but of course I need at least a basic account for money to go in and out of. I looked at Nationwide as their basic account seems to do everything I need however it seems that it is only available to bankrupts and/or people who do not already have another UK account. This leaves me with a problem because "technically" I no longer have a functioning UK account but it still "exists" if you see what I mean? I can't proceed with the online application if I answer yes to the question "do you have another UK account". If I answer no..would I be lying? I can't apply for the normal account because my credit rating is as low as it can possibly be right now so not only would it be an extra search on my file but I would be refused. Maybe I should just answer "no" to that question about other accounts. Just wanted to see what others experiences are.
  5. Hello, My mom has just received a letter from Atos asking her to telephone to arrange a medical (within 2 days of receipt of letter). Now my mom is in no state to be calling them, we are dealing here with severe mental health issues and she doesnt speak to anyone, she doesnt even know we have a letter! She has recently been referred to the Mental Health Team and we are awaiting contact from them. When the questionnaire arrived, a local agency helped me complete the form on my mom's behalf and they said she will need a home visit if a medical is needed. The Job Centre recently wrote regarding a 'back to work' meeting, I called them and explained the situ and they called me on the day of my mom's appointment and I explained to them that my mom could not speak with them, they were great and said they would do the same thing next time they needed another one of these meetings. y worry now is, how do I handle the telephone call when I ring Atos, any suggestions. I notice on another thread that maybe I should have enclosed a letter with my mom's questionnaire asking for details of the 'qualified healthcare professional' who is assessing my mothers questionnaire. Any help is greatfully received.
  6. Later this month, the long awaited Mersey Gateway will open to the public. The Mersey Gateway and the Silver Jubilee Bridges will both be tolled. The tolling system is called Merseyflow and will be operated by Emovis who operate the Dartford Crossing. In the same way as the Dartford Crossing, if payment of the toll is not paid by midnight the day after the crossing a Penalty Charge Notice will be issued for the amount of £40 (plus the unpaid toll fee). This sum will be reduced to a discounted rate of £20 if paid within the first 14 days of being issued. If the Penalty Charge Notice has still not been paid after this 28-day period, then the fee that must be paid is increased to £60 if it is paid within the following 14 days. If the Penalty remains unpaid beyond this 42-day period, then the penalty will be registered as a civil debt and if unpaid after another 36 days, recovery action will begin. In the same way as the public can open a Dart Charge account, motorists using the Mersey Gateway will need to open a Merseyflow account. Their website is below https://www.merseyflow.co.uk
  7. MY 16-19 account had been opened in december 2016 and yesterday, the 23rd of February, I received a letter that my account was being closed, and that Barclays were unable to continue being my bankers. It offers no other explanation. I realized yesterday that my card was missing when I attempted to call them and tried to find my account number and sort code. I decided to go into a branch and was told that my account did not exist. I'm concerned whether there is any way I can reverse this decision and whether I will be able to open an account with another bank or building society such as Nationwide or Santander? There is no issue of money being stuck, more the inconvenience of having my account closed down and having no idea about it
  8. After reading a number of threads I think I have made a mistake. I have 2 debts with Natwest 1. overdraft 1. loan account which they have combined together and I have been paying them an agreed amount .In 2008 I managed to get them to put in writing that they cannot produce an agreement for the loan and further they agreed that all of the money I pay them will be deducted from the overdraft only and it will revert to paying of the loan account when the overdraft is paid. According to their statements they are sticking to that arrangement .I am not paying any interest,and I have recovered all of the charges ,and rather than rock the boat, it is my intention when the overdraft is paid I will then say I am stopping payments as the Loan Account has no Agreement . The threads I have been reading all say banks cannot combine debts . I think I have shot myself in the foot, i s this the case, or can I make them separate the accounts or do I stick with the current arrangement until the overdraft is paid...........................FS
  9. Hi Guys I am looking for a very good debt management company, I came across [removed] are they any good as I want to take out an IVA, after now struggling for a year to get back into work and paying my bills for a year I have finally come to standstill sold lots of my possessions to keep up payments etc. ...so now im at the end just need some help please....are they should I avoid them??? does anyone have a great recommendation???
  10. READ MORE HERE: https://www.gov.uk/government/news/the-sun-military-awards-open-for-nominations--2
  11. Heritage Open Days is England's biggest heritage festival . It celebrates our fantastic history, architecture and culture; offering people the chance to see hidden places and try out new experiences - all of which are FREE to explore. Free of charge and right on people’s doorstep, Heritage Open Days is an event for everyone, whatever their background, age or ability. From castles to city halls, tunnels to tower tops, police cells to private homes, workshops to woodland walks, the variety of places and ways to discover them are endless. - https://www.heritageopendays.org.uk/visiting
  12. Open House London is the capital's largest annual festival of architecture and design, taking place on 17 & 18 September 2016. Open House London is a truly citywide celebration of the buildings, places and spaces where we live and work. It provides a unique opportunity to see, explore and learn about Londonʼs amazing architecture and design over one weekend. With more than 750 buildings opening their doors this year, Open House Londonʼs selection will include beautifully designed residences, innovative infrastructure projects and prestigious civic buildings, alongside a programme of neighbourhood walks, engineering and landscape tours, cycle rides and expertsʼ talks – all for free. http://www.openhouselondon.org.uk/
  13. Open Farm Sunday is one of the farming industry's biggest success stories. Since the first Open Farm Sunday in 2006 over 1000 farmers across the UK have opened their gates and welcomed people onto their farm for one Sunday each year. It is a fantastic opportunity for everyone, young and old, to discover at first hand what it means to be a farmer and the fabulous work they do producing our food and managing the countryside. Take time to listen to the birds, soak up the scenery, experience the smells of the farmyard and really get in touch with the land that feeds us. So come and feed your senses on Open Farm Sunday. Each event is unique with its own activities - based around the farm’s own individual story. Activities during the day may include a farm walk, nature trail, tractor and trailer rides, pond dipping, activities for children, a mini farmers market or picnics. Visit a farm on Open Farm Sunday on 5th June 2016 and discover the world of farming.
  14. It should be noted that to date (3rd Sept 2015) I have not received any personal response from Kwick Fit since I sent this to them on 28/8/15 via their online coolants form. Dear Sir, Complaint regarding Kwick Fit at Sunderland Road, Gateshead During a recent MOT of my car at this garage on 2/6/2015 it failed due to supposedly faulty wiper blades. These were replaced in order to pass the MOT. I was curious of this failure as I had run my finger along the blades beforehand and did not feel any damage on the rubber nor was there any obstruction on the windscreen. I asked for them back as I wanted to see the reason for failure. When these were returned to me the blade had been physically torn from the wiper. It was not in this condition when I took it in to the garage. I however reluctantly took this as damage caused through removal of the blade from the wiper arm. Within two days of the MOT I noticed a crack which travelled from the bottom of the windscreen up to the wiper blade and followed the length of the blade. Although there was no chip, I have since been told by another independent garage that the crack is a direct cause of the wiper arm (without wiper blade fitted) being released under tension and hitting the windscreen with force. A little over a month later 25/7/2015 I returned my car to the same Kwick Fit garage to have a puncture repaired. During the tyre repair I was informed by the manager that the brakes were nearly worn out and the rear break calliper was seizing. The manager also told me the car needed a new brake disk due to ‘heat damage’ although I could not see any signs of bluing or warping due to heat when I inspected it. I opted to have the work done at a later date when the pads were actually wearing out The next day there was a constant grinding noise from the offending wheel. I contacted Kwick Fit to instruct them to replace the Pads and Calliper. At which the manager refused my instruction insisting that both rear brake disks were replaced as well at an additional £127.00 My experience from the MOT made me take the car to a non Kwick Fit garage for second opinion. The other garage engineer informed me that the pads had indeed worn out and were now metal against metal; in addition the garage told me he had to ‘chisel’ the pads out as the calliper was seized solid and had been so for some time. He didn’t mention heat damage, nor could I see any bluing on brake disk indicative of heat damage as Kwick Fit had stated. The reasons for my complaint are: Kwick Fit had not identified the worn brakes in the MOT, or a binding brake calliper during the MOT. Although the failure occurred a month following the MOT, the condition of the breaks should have been easily observed by a competent mechanic and, in my opinion the vehicle left the MOT in a dangerous condition. I am very suspicious of the fact that the pads failed the next day. This is very co-incidental. I am also aggrieved that a crack on the windscreen appeared directly after work carried out by Kwick Fit and is suggestive of heavy handedness - resulting in a costly replacement of the screen and potential insurance claim against Kwick Fit. Before I discredit Kwick Kit I will give you the opportunity to rectify the faults which have appeared on my car whilst in the care of your employees especially to the windscreen which is non repairable. I can of course have an independent engineer confirm the cause of damage to the windscreen if required. Regards (Name withheld from forum)
  15. Open House London is the capital's largest annual festival of architecture and design, taking place on 19 & 20 September 2015. Open House London is a truly citywide celebration of the buildings, places and spaces where we live and work. It provides a unique opportunity to see, explore and learn about Londonʼs amazing architecture and design over one weekend. With more than 700 buildings opening their doors this year, Open House Londonʼs selection will include beautifully designed residences, innovative infrastructure projects and prestigious civic buildings, alongside a programme of neighbourhood walks, engineering and landscape tours, cycle rides and expertsʼ talks – all for free. http://www.openhouselondon.org.uk/index.html
  16. Heritage Open Days is England's biggest heritage festival . It celebrates our fantastic history, architecture and culture; offering people the chance to see hidden places and try out new experiences - all of which are FREE to explore. Free of charge and right on people’s doorstep, Heritage Open Days is an event for everyone, whatever their background, age or ability. From castles to city halls, tunnels to tower tops, police cells to private homes, workshops to woodland walks, the variety of places and ways to discover them are endless. - See more at: http://www.heritageopendays.org.uk/about#sthash.AvVEch62.dpuf
  17. My Family & I were booked onto the 14:50 flight from Luton to Bodrum. (4th June 2013) We eventually took off at 23:15 from GATWICK! Still away at the moment so will fill out the form that Monarch have emailed me when I get back. The only info I have heard at the moment of the cause is because the flight from Faro to Luton that morning had a technical fault which had the knock effect of our delay. They can't refuse this one, surely? (The flight was 2723Km and there were 4 of us, 2 adults, 1 child, 1 infant). Anyone know likely payout if they cough up? TIA
  18. I've now been waiting 5 weeks since I put my application in. Is this normal? My circumstances are very simple; no loans, no credit card payment facilities, no overseas transactions and no bad credit history. I've just been promised for the 5th time that the account will be open in 2 working days.
  19. Visited a retail store today used toilet facilties. See pictures. When you got to go you got to go. Spend 90 minutes in store getting accident form recorded as 'water and foreign body has fallen from hole in ceiling hit him on head'. Action taken toilet closed. Environmental officer was phoned and has closed the toilet until tiles repaired stores retail risk and complience team have been in touch. No first aider was offered. While complaining manager threatened to phone police for harrasment until I phoned head office. Accident happened at midday, environment officer has confirmed fault with tiles was reported three hours later. When he arrive the sanitary bin had been removed and also the company were unable to provide water test logs. Stores defence we checked the toilets an hour before the tiles must have been stolen by customer. Where do I stand???
  20. The following story features in today's Daily Mail and quotes comments from Marc Gander (Consumer Action Group) and Martin Lewis (Money Saving Expert) http://www.dailymail.co.uk/news/article-2763083/Victory-bank-charges-open-payout-floodgates-Court-backs-customer-hefty-overdraft-fees.html *
  21. I have been studying with the Open University for about 6 years now. I took out and OUSBA loan to cover module fees in January. I took the loan out on the understanding that I was eligible for transitional fee's. I withdrew from the module in march time because it just wasn't for me, on the phone the lady told me to just carry on paying OUSBA and register for my new module that starts in october and they will use my OUSBA credit to pay for it, so I wouldn't lose anything and my new module would be paid for. Now thay have decided that I am no longer eligible for transitional fees, they said I shouldnt have been anyway it was a mistake on their part and I must pay the outstanding OUSBA balance or they will take me to court and withhold my degree. If I want to add another module then I have to pay an extra £1827. I am furious, I would never have taken out the loan if I had known that I would not be entitled to transitional arrangements. Is there anything I can do? I really don't want to have to pay £735 for nothing. TIA
  22. Many people moving home are putting themselves at risk of ID fraud by failing to tell their financial service providers their new address. A Royal Mail survey found a third of people moving forgot to give their new details to at least one provider. Half of those asked said they had received letters through the door thought to contain sensitive financial information for previous residents. The majority said that they were concerned about identity theft. The crime is used by fraudsters who gather personal information in order to raid accounts or raise credit in somebody else's name. http://www.bbc.co.uk/news/business-28142647 Who to notify checklist If you're moving house, it's important to inform the relevant people of your departure. Use our handy checklist to ensure no-one is forgotten. http://www.bbc.co.uk/homes/property/moving_notifychecklist.shtml
  23. Can the Open University increase its fees after a module has started. Student finance has just sent me a letter saying they have and my loan adjusted accordingly
  24. I had a sanction placed on my ESA for missing an appointment (that they said was alright as it conflicted with a MIND appointment) but i received a sanction a week later so i got someone to phone and was told the sanction would be sorted once i attend a new Seetec appointment so i did this the day after now a month later and i have still heard nothing (also just attended another seetec appointment which are monthly) about my sanction and i am still receiving the lower amount is it just a matter of waiting or should i phone them to try and get it sorted quicker. also on seetec i have not been going long a couple of months or so but yet i have had 5 different advisers in that time 1 of them i understand as she told me she would be leaving but all the other changes im not sure why makes me so nervous when attending as i never know who im going to be seeing.
  25. Hi I cannot open a bank account anywhere, I have tried every high street bank I can think of. Barclays briefly opened a basic account for me which was closed some 48 hours later with no reasoning or explanation. I have checked my credit file and whilst it is appalling in it's nature, lots of defaults and a couple of CCJs I was advised by Yorkshire Bank that I may have a fraud marker against my name - I cannot see this. There are no CIFAS warnings and I have registered with all 3 credit reference agencies. I have tried to open accounts with; Natwest Lloyds Coop Santander Barclays Yorkshire Bank Halifax Nationwide They've all said no. I just don't know what to do, I cannot cope without a bank account and I have debt problems yes, but what risk am I to a bank with an account that cannot go overdrawn? Hoping somebody can help. Regards
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