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About Me


  1. My Mother is 96 and has had a M&S CC for many years, used for phone and online shopping which also gave her a feeling of independence as she rarely left the house. She began displaying signs of dementia late last year following a stroke, then fell at Christmas suffering a v serious head injury and was not expected to survive. She was eventually stabilised, though only after two scary doubt-filled relapses. It was then immediately clear that her dementia had deepened v substantially, and to make a long and very evil story short my Mother has in just a few weeks been replaced by s
  2. Hello, Your advise is needed pls.. I Was receiving the chidcare costs, My Son had to stop the Nursery last year July 2016 because he fell very ill and had been in and out of the Great Ormond Strreet Hospital with lots of surgeries, His Consultant also advised that he stays at home away from viruses . I am a single Mum , My work suffered as I can not work as I used to , So relied on the childcare as income to sustain myself amd 3 young kids. I have Never been on Benefits from the DWP so don't even understand the process, besides the thought of being on "Benefits" via DWP makes me feel l
  3. Good afternoon all. New member here seeking some clarification on a couple of things. Story so far. Collected a brand new vehicle from Land Rover dealership on 30th September 2017. Car developed faults and went to same garage for repair on 19th October 2017. It is still there 3 days later and I will get an update on Monday and maybe the car back then. I have lost confidence in the car and looking at the Landrover forum, this fault and others appear common and are likely to repeat at some time in the future. I am concerned that if I do not reject the car within 30 days
  4. Hi, received a cheque from Halifax for CC PPI from 2001-2011. Total premium paid was £2900 and they z have paid me £2200 interest. Im guessing this is simple interest when I should have argued for compound interest? Is it too late for me to pursue this any further as I have not signed anything they just sent me the cheque? I'm guessing I have missed out on a good few grand because of this as the card always had a big balance:|
  5. Hi all, I hope your well. Just a quick question please. I am a tenant in North London and the Landlord stopped using the estate agent in 2015, two years after we moved in. I now require a copy of the original tenancy agreement but the estste agent say as they are no longer managing the property, the records are no longer in the office and I would need approach the LL. The LL also says no. I thought the estate agents are required by law to store securly personal information belonging to a customer for a certain period of time, or is that not the case? Any help will m
  6. Hiya i got yellowbox junction ticket .. Council uploaded the video evidence . I entered in YBJ while next car moved from junction but then eventually got stopped cos of signal. Can you guys pls have a look on this video and advise me if i worth get to do appeal against this PCN You guys can check my contravention video on viiemypcn.com cos i m new user so I can't attach link or video with my post Pcn number :FR24296226 Reg number: fd55xvx Thx
  7. I just bought a 2007 Mazda MX5, 42000 on the clock and in good nick. After having it a few days - I called the guy as its pulling to the left on acceleration. Also - Diff noise is audible too. He picked it up - took it to Mazda for a health check and the report says: Front tyres are low changed battering in key fob slight corrosion to front discs and I was spot on about the Diff so when he's back from hols in 10 days time - he's gonna get the diff fixed and sorted. to be honest - I'd be expecting him to put 2 new tyres on it at £100 a piece for Bridgestone tyres (recommended
  8. Hello all, Just need advice, My ex employer who i have left 4 months ago called me. my ex manager phoned me yesterday to ask me if i can write something down regarding an accident that happened to an employee when i was on shift and it was me who wrote the accident report backed by photos of injury and location where it happened in the employer's place. That employee has taken the company for a claim and ex manager called me to ask me if i can write my version and has provided me with email of a person from an insurance company who i should send my brief email to r
  9. Hi... I booked a ticket through flight centre with an agent. This guy was hurrying me up for a week to offer me this special deal which apparently closed by 6pm on Friday. I eventually booked it on the day...and paid over the phone. Prior to that I received a terms and conditions note, then paid for the ticket. I received the itinerary confirming the flight and ticket two days ago. The agent then asked me if I was still looking for hotels and I said I was, asked if he could help with that as well... a day later he sent me an email saying: "I only ask becau
  10. Hi all looking for some help.i work in a book makers been there for around 3 month still in training. Today after I finished I got a call telling me I had been put on suspension with full pay due to breach of rules. I was seen on cctv eating at the counter using my mobile.phone and then the low blow was possible fraudulent sign ups to a certain card we have. These aren't credit they offer punters best odds and the sign up deal is bet 5 get 20 free in bets etc .. I'm to meet up with a manager on Tuesday but cannot take anyone with me so they can get the facts before putting it forward. I was
  11. Hi all I need some general advice, or just someone to help with throwing some thoughts and ideas around. Trying to cut a long story short, i work as a mobile engineer for a firm travelling and repairing all over the UK. Back in October i was seriously injured in a freak accident (not at work i should point out!) and was hospitalised for weeks with several operations on my legs carried out. I have been signed off sick ever since then. My wounds are now healed over and scars are healing up slowly thankfully. But i still struggle to kneel down, need a handrail to use stairs and chance
  12. HELLO your advice would be highly appreciated please as I don't know how to handle this .. Late last year, we had a guy knocked at our door and proposed to fix our driveway, we told him we couldn't afford it as we were getting our windows replaced in a couple of weeks. . He said we could spread payments that he understands besides he has many people owing him anyway that he knows we would eventually balance him .. he said it would cost £1800 , bear in mind that we already had the cobbles kept in our garden which we agreed would be for half part of the drive way. He came 1 week earl
  13. Hi there, Please help me to sort this out... really appreciated your time and opinion on it. I have come to know about this forum while i was looking for some tips for the appeal to tribunal. I was a tenant of a multiple dwelling home. I was introduced by a college mate to this house and the contract was under 3 names and we were students. The landlord come to introduce three other guys who is also living there and looking after the property, collecting rent on behalf of landlady. Every month we are paying rent and other bills which includes council tax,
  14. Hi, I was wondering if anyone may be able to offer some advice or point me in the right direction. My friends younger brother started working for himself around 2 years ago, he didnt set things up and didnt really know what he was doing and the business never actually took off. He ignored a self certification form sent from HMRC several months later because in his mind he was no longer self employed, never properly had been and hadnt made a profit to be in a position to pay tax/vat. He had a further reminder with fees / charges added on, he then wrote t
  15. I currently have two complaints with the FOS, both have been upheld and we're at the arguing about redress stage. On both I have asked for bank charges, etc to be returned if they were incurred as a result of being without the PPI monies. I should add the bank charges could be a significant amount. On the first loan ppi, the adjudicator found against me, that the bank's offer of ppi repayments plus 8% interest was fair. I have appealed this decision to the ombudsman proper. They state that the all charges on the LOAN account have been returned, whereas I arg
  16. Hi, I've just returned home after a trip away to find a Notice of Enforcement dated 3/9/15 with a deadline of 11/9/15. The debt relates to a CCJ which was apparently issued to me on the 18th June 2014 and is for about £8700, a sum relating to rent for a premisis that was rented out by a LLP I was in until June 2014. The lease required that the holder be one of the partners and not the business as a whole. Now, I was aware of the debt but unaware a CCJ had been taken out, probably because until 02 July 2014 I was resident in Scotland and not in England. I had received notice that th
  17. Hi The other half had a ccj apparently through cabot - did the ostrich act and then hes now had an attachment of earnings form - didn't fill it in (he forgot) mr bailiff said hes got to go in tomorrow morning, collect document (assume its the form) else hes going to nick ! He cant go - no work no pay no job ! ive found the attachment form and just filled it in to post and made an offer - ive just been made jobless so hes paying all the bills now (not that they'll take that in to account !) will it be ok just to post this form and ill call in tomorrow an
  18. Hi, gotta go for an IUC on tues, now our claim is joint in both mine and hubbys name, and entirely above board!! only get a pittance, anyway, only Ive gotta go,would that indicate thats its something to do with only my income? thx
  19. I have just received PCN for 'entering and stopping in a box junction when prohibited'. PCN code is not given. This is the first of this kind for me and I have no idea what chance I have to make a successful appeal against this. But I know that the overall stoppage was no more than 10 seconds near the exit of the junction when a car ahead of me stopped despite some available space in its front.
  20. Hello all, i have received claim from Drydens Fairfax for Sygma bank credit card on Saturday. Would anyone please help me. I have acknowledged it through MCOL service with intention to partially defend it. Any advice would be much appreciated
  21. Good morning all, Have been living in a Housing Association on a short hold tenancy agreement since 2011 and experienced financial difficulties in 2013. All of 2013 I was only able to get contract/temp jobs which resulted in me falling behind on rent. Entered repayment plan with HA september 2013 but after 5 months defaulted again due to unemployment. I made small payments adhoc and recently started another full time job which I informed HA about but all fall on deaf ears. They dont want to enter any agreements and as of 11th April sent a notice of repossession which I never received but
  22. I wonder if anyone can help with a brief question please? I was due to appear in Magistrates Court next month on a benefit fraud charge. However, my appeals (both heard together in relation to a 'living together' decision and subsequent overpayment of ESA benefit) were heard almost two weeks ago by the tribunal and both have been allowed. Can anyone please tell me what happens now with the court case and/or is there anything I should be 'doing' ? I know it seems an inane question but after after nearly two years of this being ongoing I've not had the mental or emotional capacity
  23. Hello I have been called to HR next week on monday. i work as security officer, about three weeks ago there was incident. I am called to HR regarding this and i fear i may face some action. So few weeks ago late at night i attended to a female who was on floor, her boyfriend was with her, they had been drinking. I went there to take note and asked boyfriend to assist me to put girlfriend on chair after she began responding to us, bcz initially there was no response from her. when they sat down I remained around the area. i suggested to boyfriend her girlfriend should refrain fr
  24. Hello dear Forum! Can somone please take a look at this letter i received today requesting £40. This is the first i have heard of this firm and have a recollection of using a car park (NOT on The Hospital Grounds) for 5 minutes last month and left. No ticket on the car, nothing. Now this.... Do i need to pay or shall i just ignore... Thank you
  25. I wonder if you can help. As i have stated elsewhere I am in a bit of a financial pickle I am trying to wade through it. I wrote to barclaycard about 6 weeks ago telling them that I was in financial hardship and could only pay a token amount £2 for 6 months etc - following the advice dx100uk has given to others. since that time they have written to me twice and bombarded me with phone attempts - up to 20 times a day! but they have not even acknowledged that i have written to them. Today i got a pay up or its Mercers for you boy letter. What sho
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