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  1. Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to rem
  2. Hi, This morning I had a very important meeting that I could not miss and went to park in my usual car park. Unfortunately it was full, this has never been the case before, but I sucked it up and used the larger car park across the road where the minimum stay is 4 hours and they charge £2.50, this is why I never use it. This car park is never more than half full, but was full today. Obviously something local was going on as this has never happened in all the years I have been parking. After driving around for 10 minutes and no space appearing I saw a space that was no
  3. Hi everyone, My Daughter has got herself in a pickle - she is going to uni and against our advice re-signed her tenancy agreement that doesn't start till June 2018 my wife was the guarantor but she has not signed and my daughter has not paid any deposit yet. she has now fallen out with the others that she is sharing with currently and does not want to continue staying there next year after the current agreement expires in June 2018. She has been in touch with the letting agents who have told her that there is no way out since she signed unless she finds someone hersel
  4. You are encouraged to check your credit file and when you query anything that you don't recognise you always get the same bull from the CRA "We have been advised that this is correct", not interested. I was recently refused an overdraft from my bank, despite having a loan and credit card with them I was informed after the online application that something reported by call credit was the reason, I phone the bank and asked them the reason, they said to contact call credit which I did, who told me to contact my bank. Being fobbed off from all ends. My credit repo
  5. Hi, I am in the process of trying to source a mortgage however the fact that I have historic defaults on my credit files from telecom companies is causing me problems. These are all with Lowell and range from 4 years to 5 years old. What's the best way of dealing with this to ultimately get the defaults removed off my credit file within the next 3 months due to wanting to take advantage of a "right to buy" offer we have. Obviously I am NOT saying that I don't want to pay these however if its best to go down the "final settlement" route as long as the default is
  6. Changes to the Driving Test will likely be introduced on 4th December 2017 http://www.independent.co.uk/news/uk/home-news/driving-test-learner-sat-nav-three-point-turn-dvsa-driver-and-vehicle-standards-agency-uk-a7684801.html
  7. Hello I hope you can help - I have someone who is a decent human being but has been put is a difficult situation. Someone else was helping him before but I’ve been called on-board as the other person hasn't got the time. He has been on ESA for a long time, He suffers from severe social anxiety, depression, body image issues and also post-traumatic stress due to many issues; most of which are childhood-related, whereas the traumatic stress (I believe) was relatively recent (5 years ago) due a severe facial injury that required intense facial- reconstr
  8. I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for s
  9. I swapped the tags in TKMaxx yesterday (30/11). it's the first time I did something like this so don't know what happens next and would be grateful for help. . Got banned for a year from all TKMaxx stores in UK and due to a crime prevention system they operate also from all the shops in the Birmingham city centre. I was told it's the city centre only, but the leaflet seems to say otherwise, I'd appreciate if someone had the same experience and could advise, please. When asked if it means I'll have a criminal record now, the guard assured me it had nothin
  10. I had repair or replace insurance on an American style fridge freezer with d&g and had to have it replaced they replaced it with one from hot point and gave me one with water and ice which was a bonus however I had to pay £79.00 for delivery and install and I asked if that was a complete install and was told yes! I phoned hotpoint to book a time and was told it was a special team that had to book it as it was an American style unit I spoke with them and confirmed again it was a full install again I was told yes. Imagine then to my dismay that when it was delivered the delivery
  11. Hi All This is a long post so bear with me. I've done a lot of research and I think I know what I'm doing but I would really like to hear your thoughts, comments and suggestions on my tail so far. At this point in time small claims is unavoidable so any suggestions where my claim is weak and what I could do to address it would be greatly appreciated. I have laid out the story so far in a time line below. Many Thanks Jonathan At the beginning of May I purchased a Mercedes A Class A200 for £3000 including delivery. I stupidly bought it unseen from a dealer over 150 miles away using my
  12. Whilst helping a friend to find a good template for disabled claimants I have just found a 12 point easy to use PDF diary. This will allow you to keep clear and precise records of your condition. Use if it helps you and keep each sheet safe. Why? This can be used to support your claim for DLA/PiP. Please see the attachment and feel free to use it. This was found here >> https://www.citizensadvice.org.uk/Documents/Advice%20(public)/pip-diary.pdf If the link gets broken I have attached the PDF for you to get from this thread... Further useful reading can be
  13. In brief - We went to a local independent flooring company, wishing to purchase a wood floor. The owner talked us through the various products, came to our house to look at the area it was for, measured up, checked the subfloor etc. He then recommended a product for us, ordered it and arranged for "his team" to come out and fit. He arranged the day and time they were to come out and told us that we should pay them cash on the day. In the meantime, he took moisture readings, spoke to the manufacturer and also the manufacturer of the underfloor heating we'd had put down, to check what u
  14. Hi. I had a medical last month with ATOS, and got a letter recently putting me in 'work related activity group' . I then got an appointment with the job centre which I went to last week. It was basically a woman talking what to me, with what sounded like jibberish for 10 minutes before handing me a paper leaflet called 'work programme' , it didn't really have a lot of information on it. Yesterday I got a phone call from another lady from a company called 'prospects' we were on the phone for about half an hour whilst she reeled off bizarre questions which had no relevance to my situ
  15. I complained to the Energy Ombudsman last June about British Gas Business. We had been in dispute since 2010. I've had a "report" which is totally inaccurate and based on a telephone conversation that the EO had with BGB the same morning as the verbal report was given. BGB had not supplied any correspondence to support their answers to my complaint which was supported by correspondence. I have been informed by the EO that it has no power to enforce disclosure of correspondence. Apparently the "report" is not a final decision, I or BGB have to take it a step further by providing more evidence.
  16. So here's an interesting one. I worked in a small business (not as a director) . I organised for them broadband, at the business address, supplied by the nice "be unlimited" people. I never signed anything (let alone any kind of credit agreement), and the bills (direct debit) will have been paid out of the company's bank account. Some time later, company gets bought. New company takes over everything. Meanwhile "Be Direct" gets bought out by (ack, spit) Sky. What I suspect happens late last year is the new owners, somewhat incompetently, close the old business accoun
  17. Hi Can anybody help, i received a notice to keeper / driver PCN on 19.01.14 for £100.00, for an alleged parking offence at crown point leeds on 13.12.14, parked in a disabled persons parking place without clearly displaying a badge. I was at crown point for 10-15 mins with my dad who has a valid disabled permit but cannot honestly remember if we put it on the dash. I have now received (three days ago) dated 3.3.15 and debt collection letter fro DRP recovery plus ltd asking for £160.00. what do i do any help would be greatly appreciated. thanks deni
  18. Hi everyone I have a friend who has an EU based business that trades with the UK and other EU states. They sent 2000 Euros worth of products to a business in the UK in Nov 2014 after discussions about building a relationship for the long term, so my friend sent them the goods as a starter. Unfortunately after repeated requests for payment, the UK buyer hasn't paid up what he owes. They either ignore all attempts of communication or lately pretend that they will pay shortly, but never do. My friend has sent them a final notice letter requesting payment by 31/3/15, which obviously hasn'
  19. Thanks in advance for any help or advice. Here is draft complaint I have typed up for being fined yesterday for littering inside my local recycling point. On Sunday 12th October I attempted to use the recycling centre at ****. I was looking to recycle some glass bottles and a small bag of clothes. I noticed 2 men sitting in a private car as I approached the centre. I successfully recycled my glass bottles and attempted to open the hatch to the clothes recycling container in order to put my old clothes in. The container was full and I could barely open the h
  20. In March 2008 my husband began suffering dizzy spells. He went to the doctors who thought he may have some infection but after 1 month of high blood pressure they decided to refer him to our local hospital. After a few months and no change he was then referred to a bigger hospital 30 miles away. After various tests, procedures and changing of medication over 4 years he felt he was getting nowhere and asked to be referred to a hospital closer to us. A few months ago he underwent some genetic tests and an echocardiogram. The results of the echo showed thickening of the artery wa
  21. Hi there, On 13 November at 6:14 pm I tried to withdraw £200 from HSBC cash point in Richmond. 2 attempts failed and each time I received error message. The only difference was in second attempt the lid opened but nothing came out apart from fresh air. Next day I went to the branch and explained what happened. One of the staff told me, don't worry, you will get your money back as it happened before. I explained what happened and they told me in 2 weeks time I should get my money back. Now after more than 2 weeks, nothing happened and on S
  22. I'll try and make this as simple as possible. In May 2013 I started work in a school as a lunchtime assistant at 5 hours a week £6.25phr. This went up in November 2013 to 6 hours and 15 minutes a week, same pay. Then in March 2014 I was offered a role in the pre-school for 3 hours a week at £7.19phr. My lunchtime assistant role also went up to £7.19phr in September 2014. I have informed tax credits every time with my change of circumstances and when I did in May 2013 (at the start) they said they would inform Income support, which I know now they didn't. I received a letter f
  23. I moved into my house several months ago and I changed gas supplier from NPower to First Utility as soon as I arrived. The bills from First Utility showed a different meter point reference number (and a different meter serial number) than the previous bills from NPower. After the first few meter readings I gave online to First Utility, they started refusing the readings. I phoned them and they said they did not supply me. I called the Xoserve helpline who told me I have two meter point reference numbers listed for the property and one of them is
  24. I am 40 this month and am currently on £220 Housing Benefit per month and £202.70 Income Support (Incapacity Benefit) per fortnight, and I have been concerned about the "horror stories" concerning the ATOS reassessments based on their medical examinations. I personally take medication, like Sulpiride for anxiety and paranoia, and Omeprazole for a hiatal hernia caused by my abdominal obesity, ie. I look like a pregnant man, my belly is so big. My knees are also quite stiff, and I don't like resting on them to look in cupboards and so forth. So when I get a letter from ATOS/DWP saying I hav
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