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Found 260 results

  1. Hi if my min payment is £100, do i have to pay it in a lump sum before payment date or can i pay it in multiples like £50 on one week and £50 another week..as long as its paid by due date? I ask because I accidentally paid £50 in to barclaycard, but can only afford to pay £50 more to make it £100. Thanks
  2. Just looking for some advice, recently I asked my work coach at my Job Centre if the worst comes and I do face a sanction in the future while I am on Universal Credit, will my housing element be affected as well, and he said yes, is this true? I thought housing element won't be affected while on a sanction, or his he wrong? I just hope I don't end up on UC for too long, I am aiming to get into work ASAP.
  3. The father of my 2 children has not made any payments for nearly a year, every time I call the Child maintenance line they seem to say something i different. He earns good money and not only that now has another child with his new partner. He does not see his children (my children) and hasn't for nearly 3 years (rather horrible reasons I wont go into) . When I spoke to child maintenance team last year they said its with the enforcement team (as he now owes £2500), just now they said its with the team to be processed but they are very busy and dealing with it in a queing system. Ive told them he has a new child but they say that he needs to inform them of this information. (which he wont) Also he has lied about how much he earns so that his payments are minimal. The money would be very useful as I am struggling to make ends meet and they both want to have music lessons which are very expensive. At the moment just keeping head above water. Frustrating that CSA seem to be taking so long to do anyhting about the non payment.
  4. Hi Guys, I am currently on long term sick and I am in receipt of ESA. I had to fight a DWP tribunal last year and thankfully won it. I am therefore in the support group and received council tax reduction. However, as I had to move recently and although I notified DWP there has been a gap with registering for council tax reduction. Now the council want the full amount for the last 3 months and I do not have the £600 they are demanding. I have been warned by the council to expect a summons. I am very worried. What can they do? I have told them my financial reason but they won't stop the process. Is there anything at all I can do? I do not really want to have to go to the Magistrates Court and plead my case, but of course if I have to do that then I will. If I have to go to court can someone please tell me what to expect and how best to respond in court? Any help would be greatly appreciated. Jake
  5. Hi all. I originally had a debt with HFC bank on a credit card to the tune of £9838. My monthly payments were 172 and suddenly, Weightmans wrote to me threatening me with a CCJ if I did not consent to a voluntary legal charge. They refused to accept my £172. To cut a long story short, I did agree to the charge because at the time, I was under severe emotional stress - my Dad was dying from a terminal cancer, which Weightmans knew! I have just received a letter saying that I can get a 50% reduction on the debt! But: I cannot affors this right now even though there is a charge on my home. What I have noticed is that Weightman's client is now Phoenix Recoveries UK LImited S.a.r.l. Can I CCA Phoenix, or is it best to CCA Weightmans. The card was staken out in 1998. Also, if I DO CCA them, will they get frisky and threaten me with getting me to sell the house. I do have aletter from them saying it was not their intention to do this which is why I agreed to the charge - stupid, I know. Any advice greatly appreciated xxx
  6. I posted in another site but I got no replies I'm guessing nobody could answer on there. Who do you turn to for advice away from the CMS if they start getting funny over payments? I had a 12k debt with them after finding out 2017 once it transfered from CSA to CMS. They admitted it was their fault and told me to pay what I wanted towards the debt that I could afford. So as long as I was paying somethng they weren't bothered. So in 2017 they agreed to take £171 for my daughter and £30 for arrears £201 A year later October 2018 they sent me a new break down based on my earnings the base payment went down to £168 but they increased arrears payments to £43 so I changed SO to £211 first payment came out in November this year. 1/11/2018 - 1/09/2019 £211 I then get a CMS message on my account on the 29th November a month after the last statement with a new one saying from 1/12/2018 - 1/09/2019 new payments are £1206 a month I gave them a call to this ass of a women who ws under the impression that although my monthly earning were £1300 a month the arrears had to be paid and wasn't bothered I had a 5 year old to feed as well as pay rent and council tax etc She then went away for about 5 mins and came back and couldn't explain where the £1206 came from and banged on about didn't you get a statement which I said yes for £168 a month plus £43 towards arrears £211 but for some reason even though I can see this on my account she couldn't find it. She then told me my base payment was actually £149 a month not £168 even though my online account says different but this new £1206 statement they have just released says £149 and couldn't explain it. She then told me actually we can only take a min payment for £250 a month today she seemed not interested that a month before they gave me a breakdown for the whole year for £211. She wouldn't give me an explanation as why after issuing a statement already after getting HMRC details that they can only accept a min payment that was more than they originally said and got funny with me about enforcement action Who do you actually go to for advice over this?
  7. Hi everyone, Same old story, I cancelled my direct debit during August of this year and have been receiving the scary emails of debt collection from Harlands, who have then transferred this debt to CRS who continue to try and scare me. The difference I have compared to others is I had in fact posted my intention to cancel my membership, as I was moving away from the area as I had finished a placement role there, and was returning back to university. Now, to maintain that I cancelled my dd on the day of last payment I posted this letter a month and a few days before the scheduled date. I would have done this online, but I was in the situation where the internet was not set up in my new house, and I had evidence of my new address in paper form. I didn't think much of it and simply posted my intentions to the letter box on my street, addressed to the Xercise4less branch I frequented. Well it couldn't be easy could it? I received communication from Harlands in September, a month after the dd was cancelled, so the day the dd was usually withdrawn from my account. i was on holiday however and didn't read it. Then October came, and they emailed me again. This time I read it, and this is where the journey began. I owed them £72.80, (2 months of membership plus 2 emails). I decided to contact the gym manager with my situation as well as Harlands about the situation. Harlands? They decided to ignore me, and the gym manager didn't read my email but said they don't accept letters, which is (probably) why my cancellation never came into fruition. So, because my life does not revolve around chancers, I set up an auto response to harlands emails referring them to my initial sob story, while I focus on my studies. So now we're at this point, with CRS saying I owe them daft amounts, I would quote, but they sent the letter to my old address but I'm assuming it's over £110.40, their last quote. I'll be honest, I have learned my lesson that I should have read the contract in order to prevent this fuss occurring, but I am not letting them punish me this hard for it. So, I must ask, what should be my next steps, and should I seek to resolve this? Thanks in advance guys.
  8. Some months back I opened the door to the Tv Licensing people, and made agreement to pay licence in small amounts, Due to illness and having to move on to benefits I could not afford to keep making the payments. Today i received a warrant for arrest for non payment of the debt, I am really worried that I may be arrested, but all the same,at the back of my mind something tells me that the warrant is not what it seems to be, It is printed on card sealed on 3 edges. the front says its from HM courts and tribunals services,but the inside looks more like a tv licence warning, but says "Details can be circulated to police" amongst other things like don't delay contact us now. It has my name account number and contact details written in ink. I rang the number, while hiding my own, and asked who I was speaking too, at first all the man would say was his name, but after some persistence he said he was from the magistrates court. He did not seem genuine. So I'm not sure if it is a real warrant or not .How can I tell if it is genuine ?
  9. I am looking for some advice with respect to a PPI refund and compensation in connection with a former Endeaour loan. I had a compensation refund in 2015 which was based on premiums I had paid from 2002 - 2013. But I did not know if it had been calculated properly because although I had requested that the PPI be cancelled in 2013 all my loan account statements from Endeavour/HSBC and subsequently Sancopia Portfolio showed premium payments . I then spent 3 years trying to find out how HSBC reached their compensation figure and which premium payments were used for the calculation. Finally after escalating it to an FCA case I was sent the HSBC spreadsheet for the calculation which did not include any premiums from 2013 - 2015. HSBC say that the premiums from 2013 - 2015 were reversed and they have sent the FCA a screenshot form their internal systems which show that the premiums were reversed and refunded. FCA say they are satisfied that 8 of the 15 payments have been reversed. What I would advice on is whether this is correct if they are still showing on the loan account statement i.e if there is no corresponding reduction of the loan account to reflect these reversals. As a result of this long running issue, I have the internal HSBC PPI compensation spreadsheet with all formulas. I am more than happy it with the CAG if it can help others succeed with their claims. Advice would be much appreciated.
  10. Armed forces pay award 2018 - extra payments for personnel that left the armed forces after 1 April 2018 READ MORE HERE: https://www.gov.uk/government/news/armed-forces-pay-award-2018-extra-payments-for-personnel-that-left-the-armed-forces-after-1-april-2018
  11. Hello, I currently get £8K PA from the government's self directed support and I am not happy with their service and I wish to change to direct payments for more choice and control. It's done through the social care direct service. They want to establish a meeting with them to do what best for me? Do i have to go to this meeting or else I will be rejected direct payments of non attendance and non communication? When the service changed from day care centre which closed down to privatised care they forced me to go to private care rather than give me a choice of direct payments. Why can't social care stop payments to them and provide direct payments? Its sounding like a pip assessment.
  12. Following on from this thread https://www.consumeractiongroup.co.uk/forum/showthread.php?487703-Changing-a-Power-of-Attorney&p=5139451&viewfull=1#post5139451 Helping Mum deal with husband's finances, she has POA. There was a standing order for £15 pm going to Capquest, no reference recorded and no correspondence received for at least 4 years. Capquest can't trace an account or any payments received (I gave the a/c no and sort code of the originating bank). There's no record of any account with Capquest on CRA files. Other than asking the originating bank how far back the SO goes and if there was ever any reference associated with it, any suggestions? If Capquest can't trace an account, I think they should be refunding.
  13. Has anyone else received a letter from Redstone (alias Melanite) Mortgages stating that the FCA has ruled that they have calculated some customers' monthly payments incorrectly since 2010 and that those customers are due compensation? If so, has anyone received compensation or a refund yet? I received such a letter stating that I was one of those who had previously been overcharged, but with no details of how much I would be refunded or when. It stated that my account has now been recalculated and my new payment will be £6 per month higher! I rang them for more information and was told yes, I would receive a refund by cheque, but they could not tell me the amount. Then, after being put on hold for a long time, I was told that actually I will not be getting any refund as my account is in arrears. Instead, they might adjust my arrears, again no idea how much. All completely vague. I then demanded a letter from them giving a complete breakdown of figures showing how much I have been overcharged and how much will be refunded, including interest. The employee agreed to but seemed clueless and uninterested. I also stated that if I do not receive this information within 2 weeks I shall contact the FCA and let them know that Redstone/Melanite has not complied with their ruling. It also seems suspicious that Redstone changed their name to Melanite, and sent out letters telling customers that their mortgage had been transferred to this new company, at the same time that the FCA ruled they were in breach. They are pretending Melanite is a new company, yet their address is the same, the employees who answer the phone are the same people, and even the recorded message is identical.
  14. hi there, i'm having an issue at work about payment for "snowdays", back in january. i work in a private boarding school as a lunchtime supervisor. back when we had a day of snow there were members of our dept. that obviously couldn't get into work. we don't get paid for sick days or days off so no one was expecting payment, and we know that the employer doesn't have to pay them as a sign of generosity the headmaster agreed that we would all be paid for the one day that we couldn't get in. lovely until, our dept. manager said that although the headmaster has agreed this, it is down to the managers how they implement it. so our lovely manager decided that although we would be physically paid for the day, he sees it fair that we would owe half the hours in time. now most of us that this affected was us part-timers, we work school hours (9-3), we have kids, the dept. is often short staffed and we make up that shortfall in overtime. many work weekends etc. so to owe those hours in time is quite hard to fit in, when many are already counting on the overtime to bump up our wages (though i know this is our own personal issues and not to do with the school). no other dept. has done this to their staff. everything in the school is in house, so we're not just talking teachers, but cleaners, matrons, plumbers, maintenance, electricians, sports hall staff.....and none did this, they gave the pay freely and happily. so i made a few enquiries and found out that it's legal for them to do this....i could have made a fuss about how it effects women because of the nature of the hours and those who couldn't get in...but i don't really want to go down that route as i don't believe it was done with sexism in mind. i did have a meeting with my manager, as i'd been moaning for the week (not the correct way to handle things i know :/ ). his explanation was that the head had said how each manager implements it, and that as a dept we get a lot of perks....which we do, we get to go home early if boys aren't there, take food home etc. but every dept has it's perks, be it more breaks, use of equipment, drinks etc. when i pressed him on his decision he said that if i was to make a fuss then he would play by the rule book and we would not have any perks. i see this as a threat...essentially that it would be my fault that the whole dept loses out. anyhow, we're 4 months down the line, we've been paid and our manager hasn't yet claimed back half the hours. yesterday, we were called into a meeting where it was then announced that we don't have to make up the hours, but he will take half the pay back that we received in our next pay packet, which is next week. so the main question is, can he deduct the pay after it has already been received, esp. with a week's notice. people have budgeted for next month and this will effect their households. we have chefs in the kitchen, none of those have attended our meetings, this has led me to wonder if they are getting the same treatment...am i legally entitled to know what agreement has been reached with them? i want to know if it is a dept. issue or just one for the lunchtime supervisors, unfair treatment within the dept maybe? if i want to get spiteful and go down the sexism route, is this possible? there is one man that is affected by this, so it's not "all" women. thanks for your help (in advance) and sorry for the long story but i wanted to get as much info as possible
  15. Hi, I’m new here. Can anyone answer these questions? 1) Is all your JSA stopped when you are sanctioned, or is only a percentage of it stopped? 2) If after being sanctioned you go on hardship payments, do you still have to be available for work? 3) And if you do still have to be available for work, can you be further sanctioned while on hardship payments? I’ve just started getting JSA and have not been sanctioned, but the above questions have occurred to me.
  16. I hope I can explain this so you understand, My mother past away on the 30th of January 2018. Pension was originally paid to my father until his death where a part pension was then paid to my mother. She was until 20 months ago receiving the pension payment that was stopped by Capita because they didn’t receive a response to a letter they sent her. I guess it was a prove your still alive letter but that’s just a guess on my part. County Council social services department contacted Capita to inquire as to the missing payments and they advised that a family member needed to send a change of address to capita which was done on a couple of occasions. No acknowledgement or response at all to these letters. Payments have not been made for 20 months despite no change in bank details. My mother was placed into a nursing home two years ago suffering from dementia and relied on that pension payment to pay her residential care needs and was assessed by social services using her pension payment from them included in that assessment. Not receiving payments resulted in financial hardship up to the day she died. I was not made aware of any of this until my mum passed away. I intend to claim back all money not paid to her until her death. Where it can at least go somewhere to paying some of the funeral costs. Any thoughts on this from my good friends here on CAG. Cheers.
  17. New rules for taxation of termination payments READ MORE HERE: https://www.gov.uk/government/news/new-rules-for-taxation-of-termination-payments
  18. This is a long story, so I'll try and cut to the chase. Back in 2013 we moved into a property. The landlady who we were renting off asked if she could continue to be registered at the address. She agreed that she would cover all the council tax bills for the property. Two years later we received a letter from the council to "the occupiers" asking us when we moved into the property. We truthfully told them the date. Two months later, we received a massive bill from the council for two years worth of council tax, backdated to the date we moved in. We got in touch with the landlady who admitted she had not paid the council tax. We were now stuck with a £2300 debt when in fact it wasn't our debt. To add to our problem, the landlady admitted she had been illegally claiming benefits from the property whilst we were living there and she could not admit that she was due to pay the council tax as that would lay her wide open to prosecution. We contacted the council and explained the situation, but they wouldn't discuss it. As far as they ( capita ) were concerned, we were liable and they had passed the debt onto Ross and Roberts for collection. We rang Ross and Roberts, who were in fairness understanding, and they agreed a repayment plan which we stuck to like glue. In December 2015 I contacted them to make a payment and they gave us a figure which they said was the amount needed to clear off the debt. I then paid that amount and was told by the lady on the phone that the debt was now paid and we owed nothing more. They would cease any action against us. We didn't think any more about it We got a letter from the council saying we were in arrears with our council tax and they were taking us to court. I went into the offices to talk to them they told me that there was still £470 owing from the previous liability order and that they'd used my council tax payments for that year to clear this off. I explained everything about Ross and Roberts, how they said we'd paid it all off, but the woman insisted that they hadn't collected the full amount and had left £470 uncollected. That was why they were using 2016s council tax payments to clear off those arrears first. After much arguing, they agreed to cease the court action and use the money we had paid for the current years council tax. As for the £470 owing they would simply add it onto the bill and we could repay that on top of the current years council tax over the year. Owing to financial problems we fell into arrears with the council tax, and because as they put it "you have a bad history of paying" they just sent the matter to the courts and we were given another LO. When we contacted Ross and Roberts to sort out payments, they told us that there was still a LO for £470 owing which they were treating seperately, and had added £310 costs onto that bill. Not only that, they added £310 onto the amount for that current year as well. Had Ross and Roberts not told us that we had paid off the full bill, back in 2015, then we would have carried on making all the payments as planned and we wouldn't have been hit with a huge amount of fees, not only for the £470 that they incorrectly didn't collect, but also because that then had a knock on effect for the current year, and owing to us owing the grand sum of £110 for the current year, they whammed us with £310 charges for that. So if you can understand it, we ended up paying £620 in bailliff fees for two liability orders. One for £110 which I accept we owed, and £470 which Ross and Roberts had themselves told us we didn't owe it was their mistake when they didn't collect it as they should have done back when we were willingly making payments to clear off a debt that wasn't even ours in the first place as the landlady should have paid it.
  19. Statutory redundancy payments increase READ MORE HERE: https://www.gov.uk/government/news/statutory-redundancy-payments-increase
  20. Hoping someone can give me some advice here. Arrow Global and Restons have issued me with Court papers for an HBoS debt which goes back to 1997! Over the past 10 years I have requested the CCA and have SAR'd other DCA's but the CCA has never been sent, only an Application Form with retyped up-to-date Terms and Conditions. Now, of course, Arrow Global have applied for a CCJ. I don't think I would be able to go to Court myself (as a pensioner I don't have the funds for the trip to Northampton for one thing) but do you think I should dispute it? And if so, how?? Regards Chickenlegs
  21. Update for Carillion workers: claiming redundancy payments READ MORE HERE: https://www.gov.uk/government/news/update-for-carillion-workers-claiming-redundancy-payments--2
  22. Just spoke to DWP about Mortgage interest payments When you reach 60 they will help with payments. Only over 60's only.
  23. I have been paying CBS Transcom £5 by Standing order However my payments keep getting returned does that mean that I have paid the debt or does it mean that they have sold the debt onto someone else I am afraid to contact them as in case I have not finished paying the debt off and they have passed it onto someone else !. as i have other debts which I incurred some time ago and am trying to pay off due to my circumstances cannot afford to pay them outright as with CBS TRANSCOM . what should I do? I cannot keep up with these people! and I am not getting any younger and it is a worry!.
  24. Hi Again I come to get great information and help. I was with PayPlan Plus for about 5 years, paying £22+ per month for payment protection. My questions are ... 1 ... Can I claim Payment Protection from a Debt Management Company even though it was a free plan 2 ... Can you advise of the address of payplan as i have since emigrated and no longer have anything from them 3 ... If successful They are not allowed to pass this on as a split to the creditors are they Many thanks for your help again. Very much appreciated especially as I no longer reside in the UK. Grumpy Old Me ... lol
  25. Hi everyone. just a quick question. i defaulted payments in march this year. They claimed to me that they Terminated the Hire Purchase agreement in May 17. since then i have had calls and emails to contact them regarding payment. This morning a letter arrived of NOTICE OF SUMS OF ARREARS. from what i can gather from google this is sent out because the hire purchase agreement is still active. They have not sent any debt recovery letters but just always send letters under the HP agreement. Is it right they are still sending letters out when the HP agreement is terminated?? Many Thanks
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