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  1. Hi, I am having problems paying bills due to lack of work and have agreed temporary monthly payments with several CC companies including to my surprise after reading the forum MBNA. The only real pain has been Barclays Partner Finance who will not accept my offer for a token payment and have pressed me to pay more. They have received an income and expenditure report compiled with help from the CCCS but still ask for what I cannot afford. The loan was for a car which has since been sold and a cheaper one aquired to reduce costs and enable me to work.
  2. I am a divorced man who has met a new lovely lady and we get on superbly. I own my house outright and I live on my private occupational pension. My new lady lives on benefits and lives in a rented flat. I understand that I cannot stay with her more than two nights per week in order not to affect her benefits claims etc. OK I understand that and have no problem with it. I have only stayed in her flat for one night in seven months. However, I've heard that she cannot spend more then two nights per week with me in my private house without it affecting her benefit entitlements.
  3. HI, Wondered if anyone could help - I'm posting this for a friend of mine: Female with 3 kids under 18 lives in home previously shared with ex partner, who left 3.5 yrs ago. He has left BG bill in his name for all 3.5 yrs and and said he'd been paying it all along. BG have NEVER written to the female partner. On Saturday ex partner decided to try and take his own life and was sectioned. BG letter arrives on doorstep next day and my friend opens it to find its chasing £1700 bill (all still in ex partners name, not addressed to my friend (the female)) She's called BG and e
  4. Good afternoon, Any help would really be appreciated. This relates to a loan that was taken out years ago and prior to 2009. I cannot be more precise at this moment. I got into financial difficulty and defaulted on the payments. This has been in the hands of a number of companies. I do not recall getting regular correspondence and I believe the last payment ever made was 2014. This has dropped off my credit file. I did receive a letter I August 2015 to say that I was entitled to redress on my loan as the discovered following changes of CCA (1/8/08) that they
  5. Hi please please can someone help. I am at the moment feeling like I’m having a heart attack with actual panick attacks. I am in the wrong from what I can tell and I have read. Let me point out that 25 years ago I pleaded guilty to false representation for income support when I opened a business and didn’t go down the employments support start up route (dont know the correct name) but two dates and I pleaded guilty. Since then I have always stuck to the rules!! I claimed previously with my useless ex husband and then removed him when we separated. I then had my bu
  6. Good Morning. Please could anyone offer advice or shed light on my situation. Hubby and i split 2016 after i discovered he was having an affair, never thought to finacially seperate as lots of things were going on and i was dealing with heartache. Fast forward to June 2017 and we decided to give our relationship another go, i failed to inform tax credits as wanted to make sure that the relationship was going to stick...mistake or not i was stupid. Recieved a letter of compliance asking In Nov 2017 asking for information to be sent as they have links that x was linked to
  7. Hi everyone, firstl, apologies if ive posted this in the wrong place. Im in desperate need of some advice/help, I lost my mum, brother and dad in the last 3yrs, last year I found my fiancé of 23yrs was having an affair, he left and said I could keep the house ( joint mortgage). I had a breakdown after he announced earlier this year he now wants me to buy him out. I paid the mortgage and utilities over the last ten years and I have sought advice to be told theres absoloutely nothing I can do. Im struggling to remortgage to pay him what he wants and now have been told he can ge
  8. Good morning, I have found this site via various google searches and really hope someone can help. I have been claiming ctc & wtc as a single person but have a partner living with me. Stupid I know. It was always a case of I will let them know but never have. I have become totally reliant on the money due to large debt issues, payday loans, doorstep loans etc. No excuse, Im just rubbish with money and an idiot. Yesterday I received a letter from HMRC compliance saying they have reason to believe Mr X is living at my address and wish to check a 6 month period of
  9. Hello everyone, I'm currently a single mum of 2 and claim working tax credit and child tax credit. My boyfriend and I are thinking of moving in together (him moving into my home). I said I will inform Tax Credits accordingly and make a joint claim once he moves in. The problem is, he has made it very clear that he will not provide proof of his wages etc (it's his privacy). He said that he wants to provide and we won't be eligible for anything so I should just call them and close my claim. My question is: Can I just call to say I wish to end my tax credit claim as
  10. My partner has a CCJ against her which we found out about when applying for a mortgage recently. The CCJ was created by Vehicle Control Services Ltd. PCN at St Andrews Retail Park because she alledgedly parked incorrectly or for too long. We still don't know which. She changed address a month after the parking occurred in November 2014. She didn't receive a ticket at the time (in fact we think she was in her shop at the time of the 'incident' and not even in the St Andrews retail Car Park), she hasn't had any communication about being taken to court and she hasn't had
  11. Barclays have just told me that the contract is terminated and even paying the arrears in full will not stop the car from being repossessed. Today was the last day for surrender... Anyone know how long it will be before they get a court order or any options available... I pleaded with them on Friday, and though the arrears are only £540, they will take the car and put it in auction where I am due to lose about 2k of the value and that will still be owed to them... HELP PLEASE ! Barclays Partner Finance are in the process of repo my dads car. They have t
  12. I'm seeking some advice... Cutting long story short - a couple of years ago someone else (my partner) was driving my car (with my permission) with me as a passenger. Partner had a fully comp insurance and wrongly thought it contained a third party insurance on my car (i accept it was a very stupid mistake, and we have learnt a lesson to check all details on insurance big time!). Partner was not listed on my policy. My vehicle was involved in a minor collision with another vehicle while being driven by my partner. No visible damage to either of the cars and third p
  13. Hi, I don't know where to post this but, my cousin was in a relationship with a guy over 10 years ago. They bought a property together and subsequently split up. Her ex said he would get a mortgage on his own and stay in the property, which he did. My cousin moved to another city and eventually met and married someone and is extremely happy. However, her ex has sold the house with £10,000 negative equity. He took out a personal loan for £10,000 to settle with the mortgage company in his name only. Fast forward a few years and my cousin receives a small
  14. Hi, Some advice to pass on to my daughter, please. She and her partner separated in April 2016 and although they have a daughter together it has been like trying to get blood from a stone to get him to pay maintenance so the bank of mum and dad stepped in and now the CSA are involved. Saying all of this she has now had her renewal pack and HMRC state that because he got a job after they broke up in July 2016 that his income must be taken into account and that she owes them 600 plus pounds. Even when I explained that they were not together at any time between April 2016 and
  15. Hi All Bit of a tricky one but looking for advice on the below. Bought a house in 2005 with ex partner (not married) through NRAM, mortgage in joint names. We spilt and she asked me to take over the house in 2007, which I agreed to. Got round to try to complete a change of parties in 2012 once I knew I would be accepted by NRAM on the change of parties as I had a well paid job at this point. Managed to get my ex into the solicitors to sign the transfer of deeds into my name, thought everything was going smothley and thought the change of parties would go through only to f
  16. HI. I put on a claim to transfer part of my tax allowance to my husband as I'm not in full time employment and haven't been since having my first child 13 years ago. From what I can gather this will be back dated for three tax years, the current one included and should be for just over £200 per tax year? My husband received a cheque today for tax year 2015/2016 only and for the amount of £122, much less than expected. He's consistently been in full time employment so not sure how they've come to this conclusion, also will the other years be worked out separately, would that be the n
  17. My partner bought a vehicle for £2650 from car dealer with no warranty on 7th March 2017. On 25th March 2017 the bottom end crank shaft went and we had to be towed. The garage said the work is minimum £1500 and we've shopped around and nowhere can do it cheaper. The car dealer said that is an extortionate amount for what needs to be done and has agreed to pay half. Leaving us to find £750 to pay for the rest. My partner is about to agree to it as he feels he's had enough stress with it but we're having our first baby this year and really can't afford it. Is there anything we can do? Do we ha
  18. 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
  19. My best friend recently died without making a will. His considerable estate will come to his father. My friend's partner lived with him for two years prior to his death. In that period his house was transformed by her from an undecorated hovel to a swish country house. I would guess that by her efforts and persuasion at a minimum, £75K would have been added to the value of the property. All the costs though were met by my deceased friend. My question: when the house is sold does she have any claim on the "added value" to the property which she was directly responsible for? Thank
  20. Hi Could someone tell me what happens when one of two business partners dies? My friend's husband (I'll refer to him as K) died in May and he was in business with his sister, running a café. The partnership was not a formal one - ie no agreements were signed (I know - WHY?!) but K did pay a sum to his sister to "buy in" to the business. K died intestate (again WHY?!). As you might imagine, this is causing a whole host of problems for my friend and I'm trying to help her unpick the knots. My friend believes that her husband's 1/2 share of the business is part of his estate (
  21. HI ALL Been a while since I have been on here but have always received the most helpful advice an assistance So my issue is that I need to get my name off a mortgage and deeds Purchased a house with my ex partner 11 years ago but didn't work out, I asked to be removed from the mortgage and deeds and that I wanted nothing from the house, this was 10 years ago the ex has paid everything for the last ten years without a problem, I got in touch again and again to ask her to put this through as I was told by the mortgage company she has to do it. In the mean time she has met an
  22. Hi My partner has been banned from our local Tesco but has done nothing. Let me explain. He started going yellow sticker shopping in Oct/Nov last year as we were pulling our belts in due to a financial issue. He went to purchase something and was told it wasn't reduced, so the woman took it away and he paid for what he had. Next time he went in, his card was banned. The woman told him she thinks she made a mistake banning his card as she did a batch of them and thinks she got the number wrong. They told him to change the card by phoning up and get a new one. He did. He then
  23. Hi Caggers!!! Once again I'm back with another claim for Default charges on BPF's loan. Briefly info about the loan, I took a digital camera on finance from Jessops in new year's day of 2008. The finance was facilitated by Barclays Partner Finance. The duration for a fixed-sum loan agreement was 47 months (28.8% APR) and my first payment was due 12 month after the advance date. In 2013, I received a letter from DCA demanding a repayment for a 3 figures debt. I then send then a letter that I'm not aware of such and such date and if then want to pursue it they must provide me with a
  24. My friends partner is leaving the matrimonial home tomorrow and she has no idea what she may be able to claim (she has never had to claim benefits before) Her circumstances are: Two children, one child is under seven. She doesn't work. She is on strong medication for depression (due to husband leaving her) The home is rented Where does she start in the benefit maze? Any information will be most grateful. x
  25. 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
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