Hello. This is my first post here, and I was hoping I could pick the brains of this forum for some help. To cut a long story short, I have in the region of £15k credit card debt from MBNA, which has been sold on to PRA, who have started getting in touch for payment. I don't/didn't have any sort of payment plan set up - I stopped paying anything last year because I simply couldn't afford to do that, while also having enough money to feed my family. I'll be honest, I tend to see these DCAs as parasites of human misery, and my main inclination is to pay them as little as I can possibly get away with - but I also don't want, 10 years form now, to have several grand worth of legally enforceable debt remaining round my neck and continuing to affect my health and my stress levels (as it has been doing). I suppose I would like to know what weapons are available to me to fight these people, and what I need to be doing. I know that I should ask for the CCA, and I will do this. If I spot a discrepancy or anomaly there, is my debt automatically unenforceable? Are there any other things I should be looking out for in this regard (either relating to CCAs or elsewhere)? I know that DCAs are likely to be less than fully honest in their correspondence in an attempt to squeeze blood from stone, but I'd really like to know how to spot idle threats and threats that need addressing - any advice on this would be much appreciated too. Finally, a conciliatory tack that I could take that may even be mutually acceptable, is to offer part payment as a final settlement. However, I likely couldn't offer more than 10% of the total debt in order to do this (and this would involve the generosity of family - it's not money I have lying around in my bank account) - can anyone give guidance on whether an offer of that sort of amount h as a chance of being accepted? (And if not, what sort of sum I should be aiming for.) Thanks in advance!

I have a mobile account with o2, my bill is late by 1 1/2 months at this point as ive had a few financial issues this month. I am expecting a bit of a cash boost into my account this week due to selling a few items and the money being transferred via paypal. I expect to have it in my account by monday. However in the space of this month 1/2 I havnt paid my bill ive had a disconnection notice last week on the Thursday saying the account had been disconnected but if action is taken that can be reversed if the monies owed are paid, thats happened slightly fast (because its not as if ive gone `months` without paying and I have in fact been in contact with o2 to explain my situation already via livechat and was assured a note would be placed on my account to expect payment soon) but I can sort it on monday when ive got the money and all will go back to normal. However yesterday saturday I recieved a default notice saying they now expect payment of all monies owed for the contract in a single payment! within only 3 days of getting the letter saying I could remedy the situation if I paid the balance owed! 3 days! what are my options here, I want to pay off what I owe and have the number reconnected on monday when I have the funds, does this default notice mean I cant do this now??? is it even legal to go about things this fast? I think the default letter to arrive saturday must have been sent the same day or next day even after the letter I received saying I could still remedy the situation! and as I said ive not even missed 2 payment dates on the account, as well as the fact that ive been in touch with them and been assured notes were put on my account to explain my late payment and the fact payment would be upcoming (this obviously didnt happen) I am fuming to be honest, yes my payment is late but its not stupidly late, I havent gone months and months without paying and Im literally a day away from being able to pay off everything I owe and proceed with the account as normal anyway! Not to mention the fact they tell me I still have time to make a payment to reverse the disconnection and then the very same or next day they send me a letter saying thats now to late! so what are my options here?

I work for a subsidiary of a large company that has been bought recently by a larger international company. In their restructuring it is looking like our subsidiary is no longer of interest to our new masters, so they'll be selling it on. When this happens will we be made redundant with the old company and 're-employed' on new & undoubtedly sh1ttier contracts, (based on this company's reputation) with the new one or will we just be TUPE'd over seamlessly without issue? If this new company just decides to sell to a company I don't ethically respect/want to work for, then if I refuse to sign any new contract can I claim redundancy as effectively my original contract no longer exists as the company I signed it with no longer exists?

Hi, My partner has got herself into 9k's worth of debt with a credit card company. She kept it secret for years and has been paying £300-£350 minimum amount per month, but the interest keeps coming and she's missed payments because of other debts and outgoings. We don't have any joint savings to throw at it, I'm disabled and not working and we have a child of 4. She works full time. I'm not sure what further details are required, so please let me know and I'll add them. I would really appreciate some guidance as to what our options are. My first thought was to get a consolidation loan to bring down the payments to manageable levels, but I doubt she'd be able to get a loan because of the missed payments. CC firm don't seem interested in helping and the interest is mounting up. She hasn't spent anything on the card for many months since she first defaulted. Thank you. P.S. apologies if this is in the wrong section.

Same old story I'm afraid..... We had a loan via GE Money/Home lending for £5500 and had only managed to make a few payments on the account when i lost my job. We spoke to GE and advised them of the situation, that the problems were only temporary and that we would make arrangements for the arrears to be cleared as soon as possible. The call taker insisted we make a payment arrangement but as we were living off thin air I was unable to do this. I offered £5 a month token payment which was refused and advised i couldnt do anymore at the present time. The debt was subsequently sold to Link Financial and shortly after recieving a letter from them we received a very rude call from someone at link who advised me "We own the debt, you owe us £6600 (or thereabouts) can you make full payment now?" I advised that I didnt have £6600 knocking about and that we would be able to make a payment offer but was just advised "we'll be sending you court forms" and the call was ended by them. Duly the court forms arrived and unfortunately due to fighting repossession we did not attend the hearing. CCJ granted and now they are going for charging order THIS FRIDAY 12th (in a court 60 miles from our nearest court!) . How can i avoid a charging order? Postpone the hearing?? It is in our mortgage terms that if someone applies for second charge they can cancel the mortgage/sell our house!!! I have just started a new job and could not get the time off to attend. Any payment would have to be small due to arrears on water/elec/gas etc and we do not currently have the money to pay court fees to have set aside???

I have a case with PRA, made a CCA request for information and deeds of assignment, they only write a letter to say they have requested for the information from OC and the deeds of assignment is a confidential information consisting of their business secret, but they agreed in the letter that they will bring it to the CCJ set aside hearing but they said they will blank out confidential info. What defence options do I have in this scenario ? No CCA request was honoured What happened in case the deeds has been altered as stated Also the fact that I have not been given opportunities to review the document before hearing ? If they are challenging my set aside application, I have not been presented their WS?

Hi All, Please bear with me. I was made redundant over a year ago, and as a single Mum, I've just started my own business, but am still relying heavily on benefits while I find my feet - financially. Our landlady's told us she's selling the house in June and as we've been here for 5 years and are so happy and settled, I'd love to somehow be able to buy it. The house is expected to go on the market for 220K. My mum recently sold her house and has a 30K deposit she can give us and I'm now considering the following options: 1. My ex, who earns a good wage (100K) can 'Buy to let' for us? This sounds too good to be true - what are the issues surrounding this? 2. Would my 71 year old Mum be able to re-mortgage her house that she owns outright? It's value is 200K. Is she able to do this at her age - how much could she raise - again - what are the issues surrounding this? I'm pretty convinced that our dream's not achievable, but I thought I'd ask here first - I've heard great things about this forum. Here's hoping, Many thanks in advance.

My wife purchased a Logik TV from PCW 31/08/2016 for £79-99. Yesterday 13/01/2017 there was a "pop" and the TV no longer switched on - browsing the internet I find it is a common fault with Logik TV for the power supply or motherboard to fail in this way. Visitng PCW in Coventry I was told I HAD to allow them to repair the TV and COULD NOT ask for a refund on the grounds the TV was "not fit for purpose". Their policy is that they MUST attempt a repair . Is this true that under the SOGA I HAVE to allow them to try a repair before I am allowed a refund. I remember once reading that after you had allowed a repair you were no longer allowed to ask for a refund. Can anybody enlighten me as to what action I am allowed and whether I HAVE to allow PCW to repair a TV I have now lost all confidence in.

Hi, We are in IVA since 2014 July, due to change in circumstances the variation meeting with creditors arranged resulted in their refusal to accept the completion of IVA. Having gone through various posts , as every individual has different case, I am getting confused Having left with no other alternatives, I have couple of options for myself to accept the DRO and for my wife above £20000, go for BK, I am not sure as to what happens to the income as we are totally within the state benefits and my question is how are the funds managed on daily basis until 3 years of the BK, do we need to make any payments as there are no surplus or whether it is going to be decided by the trustee on each and every penny we spend. No assets, only a car used for disabled as a carer worth about £5000. Help would be appreciated.

Good Afternoon, Firstly I appreciate everything you guys do on here, I'm a first time poster and would appreciate any advise you can give me - I'll give as much detail below in relation to my situation however if you have any questions let me know; So, at the moment I have a defaulted loan outstanding with Tesco Finance to the amount of - £ 8,900. I defaulted from the loan in October 2013 and haven't been in contact with Tesco Finance since. In January 2013 I moved to Australia to complete a two year working VISA, at the time I had enough money in my UK account to cover my repayments with the intention to transfer funds back to the UK when my UK money ran out. I contacted Tesco Finance from Oz around February 2013 to update my address (when I got a fixed abode in Oz) - however after that it went a bit pear shaped. I ran into financial complications due to a health issue in Oz which I had to cover myself meaning I couldn't repay the loan, I contacted Tesco to advise them of this in June 2013 - however after over 1.5hrs on the phone they wouldn't allow me access to my account as the aforementioned gentleman who updated my address entered it incorrectly (house number and zip code). They asked me to fax over proof of address which at the time was impossible, and hence a stalemate ensued (wouldn't accept email, I tried). I returned to the UK in December 2014, financially I am now working full time, renting privately and have a bad credit recovery credit card however not in a position to repay currently due to other commitments. Its been over two years since the default and I'm at a point now where I'm afraid to contact Tesco Finance in case it kicks things off again. My question is; is it naive to think Tesco Finance has just stopped pursuing (i.e should a DCA have been in touch by now?) and will the fact that the account is still registered to my (incorrect) Oz address affect anything else on my credit account? Also what would people say are my options? - Once again thanks for your help and time.

I purchased for 15,000 euros for a market sales wagon (a Fiat Ducato van, fitted with cooling units, shelves and such). Prior to the purchase I paid for a "car inspection" and purchased the van on the basis of a generally favorable review. However, the review missed the fact that the van was completely rusted underneath. It was purchased 2-3 weeks ago. I do not see how the inspection missed this. As the inspector's request, the van was taken to a garage so that he could see everything underneath (this was expensive as the license plates and insurance had lapsed, so needed to buy for short term transport). It is so rusted underneath, it is requiring 10 hours of welding work. On the report, it is stated that there is minor rusting under edge of one door. Not that the entire thing is completely rusted underneath. For what it may be worth, the garage has taken photos. All this was done in Germany by ADAC (local equivalent AA / RAC). I know that the forum is UK oriented, but I cannot post on the German forums (I speak almost no German) and hope that the advice for the UK is likely applicable to me in Germany. So, is this simply a case of bad luck for me or do I have any legal rights? Thanks for any advice on what I can or should do? Regards, Doug

Hello, I'm not sure if this is the right place to post this but I wanted a little help about this apparent debt I have from a company called JUICE PLUS who have passed on the debt to OCC(Options Credit Consultants). The back story: A friend was selling JUICE PLUS weight loss packs and I thought I'd try one out, the deal was £20 for a month of supplies which are given all in one go. And it was a locked in 3 month contract. However I never used the stuff, my friend had been fired for a ridiculous reason, I pursued Juice Plus asking them to cancel the contract and never ever received a reply. I received one letter for them stating I owe them £60 (Even though I paid £20 upfront). I replied to them via email saying that unless I receive a breakdown of the cost of it in writing and why they never replied to my first enquiry then I will not be paying and I'm happy to return the goods unopened. They never replied. ..two weeks later I received a letter from OCC, who said I had now owed £65. I replied via email, stating that JUICE PLUS had never proven I'd taken out a contract (Which I had asked them in the email I sent) nor have they sent me a breakdown or even tried to resolve the issue with myself. They never replied.... I now receive this letter (I've written it below the bottom post as I cannot post links to photos for some reason) Now I've NEVER received a letter in my life stating immediate court action, and I have a general understanding that most of the time this would be a scare tactic to make you pay. I've only ever received letters asking to pay now or etc etc but never a letter like this. But what worries me is the statutory interest at 8% a day which has no end date would leave myself in a hell of a debt. Also noting they also saying I will be responsible for the court fees and also that they will get a levy execution on my property, which for me is great because I don't own anything and I've always had my parents keep receipts of everything in the house so it's their property not mine. Just wanted some advice on what to do next, I have a short temper and was literally going to call them and give them a mouth full but, I was hoping for some advice, as that is probably the smartest thing to do. Thanks

Hello all, I've spent the last couple of hours reading various threads and I have learnt a great deal. However, I need some advice and opinions from you good people. I was involved in a non-fault accident last month. At a four way junction, I was travelling straight ahead and the third party was travelling the opposite way indicating to turn right. At the centre of the junction, where the third party should have stopped and waited for me to clear his path, he did not and hit my car on the front drivers side corner. Dashcam is installed in my car, shows the accident clearly. Also shows a satnav obscuring the third party view of the road quite clearly! Third party is a taxi driver driving a taxi and told me that his vehicle was also fitted with a dashcam. The third party admitted liability the moment he stepped out of the vehicle, although, I'm quite aware this verbal acceptance doesn't mean anything. Police were called as my car was not able to move, so they had to make the area safe until my car could be recovered. Fast forwards to this last week. My car was deemed a total loss, my insurance and GAP insurance have agreed a price and currently I am waiting for the money to enter my account from both companies. Now to the matter of my excess which has been deducted from my settlement payment. My insurance company has informed me that the third party/his insurance has not responded in any way to accept liability for the accident and that I will need to use their recommended legal service (Carpenters Solicitors) to reclaim my excess. My question is, at this moment in time as I have not accepted any help from Carpenters Solicitors, although, they have been instructed by my insurance company to contact me, do I have to use them? Or am I better to try and reclaim the excess by myself by approaching a local solicitors? The only reason this thought has crossed my mind is after reading numerous negative reviews for Carpenters Solicitors. There are two amounts I wish to claim for: My excess and £80 for my private numberplate to be transferred from the old car to the new car. I'll be very thankful for any advice and opinions.

I started an Access to medicine course (level 3, basically A levels, but a bit easier than A levels) in September last year. I received the highest possible grade in all my modules except one. The possible grades are as follows: pass, merit and distinction. In general for these types of course a pass = above 40%, a distinction = above 70% and a merit is in between. However, instead of % grading they have very subjective grade criteria, from which the marker gets to choose a grade for each criteria and then average them all for the final grade. The module in question was a research paper, in which I got a "pass". The requirements called for a 3,500 research paper. We could have covered anything as long as it was related to medicine. Normally the projects are marked by one particular tutor, but this year another tutor marked half of the projects and the work was split between them. My work was marked by this new tutor, who was my project supervisor. My project supervisor gave me feedback on my final draft on the day of submission, and she did this to at least 3-4 other people. I implemented her suggestions (even though a few of them had nothing to do with the aim of my project - which suggested she didn't know what the aim of my project was). Some of these people got extensions from the course coordinator due to the last day feedback, but as my supervisors suggestions were brief and she never indicated that she thought my project was in trouble, so I submitted it. Throughout the year I got the impression she had not read any of the drafts I had sent her because her feedback often asked why I hadn't included certain information in my project, information that was actually in the draft in her hand - she just didn't read it and had obviously just skimmed it for a minute. Before I handed in my paper, I sent it to an A level extended level project tutor (a very similar piece of work) who went through it for me. She offered me advice on how to improve it, and said in its current form it is worth about an A/A*. I made the suggested improvements and handed it in. When I found out that I got a "pass", I immediately went to my course coordinator to complain. He told me it is very unlikely that it will be remarked by someone else, and kept implying that I just don't like my grade. He took me to see the project to make sure the grades on his clipboard were not just misrecorded, and I had indeed got "passes" in pretty much all the grade descriptors for my research paper. On the back of the grade paper there was a brief 4-5 line comment on my work from the person who marked it. The comments only said positive things. I confronted my course coordinator about this, and he came out with "we focus on the positive here". He looked at it and said "well, looks a bit brief to me. Maybe that is why you got that grade. It seems to be clear and concise with no waffle, but maybe you didn't have enough content. How many words is it?". My paper was 5,652 words (before references and table of contents), 2,152 more than required. We were told we were allowed to go over. He said the most he can do is pass my comments on to the person who marked it, but I'm not getting a remark from a different person. This is another defense he used to avoid giving a remark: We even have an external moderator” I was told, “who looked at a number of the projects”. I suspect their role is mostly to make sure that the college isn’t handing out distinctions to people who don't deserve them (which would devalue the course and course's designer and validator). These external moderators do not do blind, independent regrades of work which are then compared to the original grade to see if they match. GCSEs and A levels also have external moderators, but this is not used as an excuse to not have another person look at work that is in question I opened a formal complaint with the college, which said they would investigate if "our assessment and moderation procedures were followed". I asked if this would include another person who wasn't involved in the dispute taking a look at my research paper, and they responded with "As this is now part of the college complaint process I regret I am unable to discuss any aspect of it." They have not told me the outcome of the investigation yet, but I want to know what my options are once they have responded so that I can prepare.

My story is a long one but I will try to keep it simple as possible. I have a couple of unsecured credit card debts. The largest is for £1184.20. My debts I believe are from pre April 2007 and if I'm honest are a result of a serious gambling addiction. My partner was understanding and supportive to a point and to combat my addiction I no longer work or earn any money at all and have no access to any money. I look after my children full time and have done since late 2009. I'm not married and I am not on the tenancy agreement for our home but I am recognized as living at my home address by the local housing authority that we rent from. My bank account will show any limited money I have is payed in from my partners account and is very little and is always used to pay for something via paypal. Today bw legal acting on behalf of Lowells have given me 14 days written notice of a County Court Claim. I have asked for proof of debt in way of a signed credit agreement and have made it clear I do not recognize or acknowledge the alleged debt. It is my debt but I truly have no money and after everything I've put my partner through I am lucky to gave a home and family. Can anyone please help me and tell how I should face this situation and what is likely to happen to me.

Hello, I have a friend (female) who is in a bad relationship and wants very much to walk away from it. Unfortunately, as a single mother of 2 young children, she struggles financially. Last year when her car became to uneconomic to repair, her partner pursuaded her to take on a HPA for a new car. All the legal side of things are in her name, but he pays the monthly installaments. She feels like this HPA is a huge anchor keeping her in a relationships that she hates. She cannot afford the monthly payments on her own, and is desperate to find out if there is anything she can do. I know nothing about HPA contracts, but i did know about a great forum to ask. I have attached 2 photos of the front page of the HPA, 1 is a close up. Can anyone please advise if their is any way out of this that isnt going to cost a lot? or, is she essentially stuck with this contact and monthly commitment?

Just when you thought things couldn't get any worse.... An investigation by BBC News has uncovered several of the benefits under consideration for change: Industrial Injuries Compensation Scheme - could be replaced by companies providing industrial injury insurance policy for employees. Any that did not would become members of a default national industrial injuries scheme, similar to the programme for asbestos sufferers. DWP predicted saving - £1bn Carer's Allowance - this could be restricted to those eligible for Universal Credit. Leaked documents suggest about 40% of claimants would lose out.DWP predicted saving - £1bn The contributory element of Employment and Support Allowance and Job Seekers Allowance - currently claimants who have paid enough National Insurance contributions can get the benefits with little means testing; DWP analysis suggests 30% of claimants, over 300,000 families, would lose about £80 per week. DWP predicted saving - £1.3bn in 2018/19 Disability benefits - Disability Living Allowance, Personal Independence Payments and Attendance Allowance (for over 65s who have personal care needs) would no longer be paid tax free. Possible saving - £1.5bn per annum(based on IFS Green Budget calculation ) Council Tax Support - to be incorporated into Universal Credit. Possible saving - not known Child Benefit - Limiting the benefit to the first two children. Possible saving IFS estimates £1bn saving per annum in the long run but little initially Regional Benefit Caps - The £23,000 limit would vary in different parts of the country, with for instance Londoners receiving the top amount due to the higher cost of living. Possible saving - not known and dependent on where levels were set http://www.bbc.co.uk/news/uk-32084722?ocid=socialflow_twitter

Cabot purchased an old (circa 2010) credit card debt/default from RBS. A few months ago, having sent all communications to an address I left over a year ago, they won a CCJ as I had no idea this was in progress. Court has now sent me the attachment of earnings form ( this was handed to my old neighbours who I've kept in contact with , by the occupiers of my old house (rented property) as they noticed 'it looked legal'. That's how it got to me. The "must return by date" was 17th March but due to sending to my old address I didn't actually get it till 19th March. I returned it first class the same day as I didn't fancy 14 days in prison .. . which was the warning written boldly on the form as penalty for not returning. I did include a letter explaining why it was late as they had used an old address. My situation. I'm 63, self employed but haven't worked for over 2 years. I manage to live on an old occupational pension ... not exactly a huge amount but I can go out once in a blue moon so not quite on the bread line. I don't own a home .. rent takes up a big slug of my monthly pension money. I read somewhere there can't be an Attachment if you are self employed. It still said I had to complete the form even if unemployed. When I filled in the form my outgoings were same as income .. . however I assume most people filling in these forms will try to max their outgoings and I've no doubt court knows this. Any idea what happens next. I certainly can't afford any real big payments .. . if it was a few £'s per month I'd manage . .. but debt is over £5k, so I doubt they'd go for a few £'s per month. I have precious few assets . .. a 14 yr old car with over 200,000 miles on clock (worth about £500) is perhaps my biggest asset. Will the bailifs come knocking. Any advice or information would be most welcome.

I have a Debt collector chasing me for a debt that they bought off credit card supplier back in September2012 as soon as I got the DCA first letter I started the three letter process and a sent a fee schedule, since then and have sent them around 17 invoices. They then passed the debt to another debt collection company, so I started the three letter process and sent fee schedule and 1 invoice. All of a sudden I get a court papers from Northampton money claim on line with a solicitors firm on the paper work, claim for the original DCA who bought the debt. after looking through my file I have found a copy of the credit agreement with my original credit supplier sent to me In march 2013. For which I sent them an invoice. And they kept sending me letter I kept sending them invoices I am look for defence help and ideas Credit card supplier sold the debt to the DCA which it says in the original contract, the credit card company can transfer all their right to another. Which part of the Bills of exchange states that if another buys the debt then there is no more debt? I have asked for a copy of a contract between the DCA and my self not the original credit card company and the deed of Novation which I have not received. Regarding the deed of assignment (which I have not received) In contract law if you breach the contract, the courts it normally balance one side loss with what the contract would have supplied them if the contract had run it course. Since the DCA and I have no contract and they only paid pennies in the pound for the contract, how can I show they have had no loss to the original debt value? Could any body you let me know any laws I may use like the consumer credit act 1974, The bills of exchange etc

Has anyone experienced this company ? On the 26th April I applied for a loan on-line with a different company I then recieved an incredibly misleading text message with a link which gave me a page saying i had been accepted and saying about a fee od £67 payments would be about £10 a week which I believed was actually for a loan,when in reality all I got was a list of companies, once I realised this I sent them several e,mails via their contact section BEFORE they took the money from my card on the 6th May, On the site it says in order to cancell click on my account and then on cancell account .....This was not available untill AFTER they took the payment from my card, I immediatley did this as soon as that option came up and filled in a cancelation form AND a Refund request form this was on the 3rd May, It then took them another 4 days to get back to me and tell me to write a letter to request a refund evan though I had allready filled in a refund request online I sent this via recorded deliverey which was recieved into their office on Wednesday, I got a text yesterday saying that the letter was recieved and that they were looking into it, They got back saying that they had authorised a refund of £38.12 saying they had retained £15 for something called "Credit Cleaner" which I have never heard of nor do I have any informnation about it or know what it is ? and also £1 a day for being a Member and having acess to the site. I have got back onto them saying i want the other £29 back or i shall go to the fsa and make a complant under section 155 of the consumer credit act 1974 I was just wondering do I also have a case in regards to me contacting them BEFORE they took the money asking them not to and for them to cancel my account ? Also are they beraking any rules by not offering a "Cooling Off Period" ? If anyone has had any dealings with them I would be gratefull for any advice Cheers

Hope this is in the right place Has anyone dealt with this company? A family friend signed up with Loan-Options.net recently and had £64.75 debited from his bank account. (£34.75 registration fee and £30 (£1 per day for 30 days) membership fees. They appear to offer access to payday loans and other services but deny they are Credit Brokers or intermediaries. Immediately this was discovered we emailed the company and cancelled the "membership" and asked for a refund. The company refused a full refund and only offered a refund of the 30 day membership fee. I phoned the company and spoke to "Megan". I stated that as we were cancelling within their 14 day cooling off period we wanted a full refund less the maximum £5 they were allowed to take under Regulation 155 of the Consumer Credit Act. Megan denied that they offered a 14 day cooling off period and didn't comment when I pointed out that I had a copy of their T&C's in front of me which clearly states:- "Cancellation Rights Being as this contract is a service contract for a membership scheme We offer a 14 day ‘cooling off’ period during which time You may cancel the agreement: Services are provided immediately following signup meaning cancellation within 14 days will result in a reasonable service charge being applied. Refunds are calculated on a pro-rata basis depending on the number of days membership used - £34.76 Setup Fee plus £1.00 per day of membership". I asked to speak to someone higher up the tree and was put through to "Josh" an accounts manager. This account manager in response to my attempts to get a refund responded as follows, "We are not brokers and therefore not covered by the Consumer Credit act. Therefore we do not have to comply with Section 155 of the Act. Our refund policy is as stated in our T&C's." I pointed out that surely the point of a cooling off period is that the customer can change his mind within that period and receive a refund. He offered a further £5. I asked for his surname He replied that he doesn't divulge that information. I suggested that they may not be brokers but they were credit intermediaries and therefore must be covered by the CCA. (I think that they should have a least a Category C license) He replied "No" Their website home page gives a consumer credit license number so surely they must abide by the CCA and give a full refund less £5? Any advice on how to proceed to get a full refund appreciated Finally what do you make of this extract from their T&C's? "In the event that any of these terms (each of which is severable) is for any reason illegal, invalid or unenforceable, such provision is to be deemed modified sufficiently to render it enforceable, legal and valid and of similar effect as We intended. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them."

Hi peeps, I put in writting a formal grievence to my employer and gave them 14 days to respond, (this is after they had 3 months to respond informally to a enquiry) and basically I keep getting told it's been shown to this person then that person but nobody has got back to me. I've been told a manager intends to arrange a meeting with me but they haven't as yet contacted me, 5 days after my deadline. Do these notifications of who it's been passed to count as a response? What are my options now please? Many Thanks

Hi all, My boiler (Ideal H30 - 6 years old), has been ruled beyond economical repair. They tried to sell me a new install, cost = £2900. I have their formal quote in writing. They recommended a Wocester Bosch (model 30si) for this house in quote. After this - I did research. We infact, do qualify for a free boiler replacement. We meet all the conditions. Spoke to them - they confirmed, you are entitled to free boiler replacement. My question: For the free replacement, they want to use a different boiler than the one recommended in the quote. As my current boiler (ideal HE30) is no longer manufactured, they want to replace it with the closest model (Ideal Logic 30HE). Ideals boilers , get very poor ratings when I've looked (e.g Which? Gas boilers owners' views score = 59%). It has a low reliability rating (below 60%). I would like to get a different boiler fitted. I would like to know what my options are, and what my rights are. 1.How could I viably challenge their choice of the replacement ( now an Ideal H30 instead of the Worcester that they initially recommended). (Preferred). 2.If not, how can I get them to make xxxx funds avaliable, I chip in more - to get the one I want- i.e. their costs remain the same ,but, I make up the difference.(Acceptable). 3.If not what approach can I take take, to get them to send me cheque instead for the value of the boiler - I will chip in more and buy a new one myself.(Worst case). I'm not bashing BG. Nothing like it. Just want to create a win win solution. Thanks all.

Hello I resigned from my job last June as I uncovered alot of dodgy dealings that my Manager was doing. I had been singled out and had not been given voluntary redundancy when requested. I used the Companys Whistleblowing procedure to air my views and to expose what had been happening. The Manager has just been sacked and the investigation has just finished. Am I able to take my employer to Civil Court for compensation at all? I know im out of time for the employment tribunal route and wondered what my options were?

Hi all, hoping someone can help with our current situation. My husband has recently been diagnosed with BPD (Borderline Personality Disorder), and has thankfully been put on the waiting list for a Psychologist. However, in the mean time a few things have cropped up that we could use some help with. Briefly, BPD is a disorder that causes overwhelming feelings of distress and anxiety, problems self-managing feelings without self-harm, problems with being impulsive. Firstly he's been let go from his work. He was working long term through an agency at a public recycling centre, and they've let him go because he's not been pulling his weight recently (due to his BPD). This leaves us in a bit of a pickle where it comes to income, though I've still got my job working 20 hours a week. Due to his BPD he's not really able to search for work at the moment, nor would be really be able to perform at work either. His doctor did offer him a sick note just before he got let go, but he declined due to needing to keep the job, something he felt was threatened if he took time off sick. Wishing he'd taken that option now So we're trying to work out what benefit he really needs to be looking into for the moment, until he starts getting treatment, or naturally comes out of this episode. We've also got 2 loans, a credit card and a £1000 overdraft that's maxed out. What can we do with regards to these in the meantime to help our money situation? Also can anyone recommend a mental health support forum at all, if allowed? I think we could both use some help with this atm:sad: I'm sure there was more I wanted to ask, but at the mo thats all I can remember Many thanks in advance to all StageD