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About Me


  1. I've decided to post this in the Homelessness section, despite there being several issues at once and I need your advice, but mods, feel free to move this to a different section if necessary. My situation: - Just about to become 50 - Have lived in a terrible and dodgy guest house for 2.5 years. It wasn't dodgy and terrible when I went there - When I went there I had a job and a single room. Now I've been on the dole for some time (on and off) and I am forced to share a room with other people. - New people and new staff have come through the years and they have brought... how ca
  2. I have received a letter today from Latern (formerly Motor Mile Finance) about some old short term loans from around 2012. This really is out of the blue, I've heard nothing from them for as long as I can recall and this letter was actually sent to my previous address but was re-directed. It is quite a jovial letter, it reads "So, dust off the BBQ, enjoy the sun and take this opportunity to clear your debts before winter approaches". They're offering up to 60% reduction. This is a summary of the debts: Quick Quid £512 - Last payment date: not shown Northway £838.88 - Last payment
  3. A few days ago I completed a few transaction over LocalBitcoins.com to a buyer named Muumbis (currently blocked) who seemed to be a trusted user, had good feedback and 2 months of multiple transactions. The buyer sent me the funds through a PayPal transfer, and then I proceeded to send/release the bitcoins to his account once the money hit my account. These transactions were very profitable to me, amounting to about 40% of profit over the then exchange price of bitcoin. Only after 6 PayPal transactions amounting to a total of around £11000, I noticed that the person’s details included i
  4. I think my landlord or someone else may have entered my property without my permission and this has made me feel very uncomfortable. Obviously at this present time it's just a suspicion. I think this because I have a coin meter for my electric, it doesn't seem to read the amount of coins entered well but it says not to exceed 80 coins. I have been in this property over 7 months and at a guess I have probably put in 150-200 coins and it doesn't sound anywhere near full, leading me to think someone might have let themselves in without my permission to empty it and I don't know how many
  5. Hi and thank you for taking the time to read my post, I believe I may have an issue with my Landlord supplied electricity. I am posting here in the hope that you kind folk may give me advice on my maths, assumptions and possible action, The situation: I live in a building that is subdivided into 9 self-contained flats. The Landlord is responsible for paying the electricity bill for the whole building, there is a regular usage meter on the outside that records the usage for the whole building. The Landlord has installed payment meters into each flat, in order to credit these meters we ha
  6. Hi Not been back on this website for a good couple of years (which is obviously a good thing) but recently encountered an issue which has\will threaten to undo all the good work of getting all blemishes issue's of my Credit history... I have a perfect credit score for the past 4-5 years till today. I had a lease car for 3 years (Banque PSA Finance), no payments missed including the last payment, when the car was returned that there was excess mileage and damage to an alloy....for which they then forwarded me an invoiced ..which I assumed could not be added onto the end Agreement an
  7. Bit of background on this issue. Bought a 11 plate car in Feb 2015 from Bristol Street Motors, had a few issues from purchase which was mainly a problem with the tyre pressure going off but unable to reset it. It went back to Skoda (paid for by Bristol Street) and had an ECU reset. There was another issue with the car revving up when braking which would clear when I pressed the clutch. I told the manager of the service depot in Bristol Street about this ongoing issue and he said he would phone me back to book it back in. He never did. As it was an intermittent issue and didn't want to be
  8. I may or may not be receiving an NIP in the post soon. But I wish to vent my spleen somewhat over the circumstances of two incidents within the last few days involving traffic lights. The first was at a flyover with a roundabout underneath. There were three sets of lights to pass through in order for me to proceed onto a slip road where traffic merges from a 30 MPH zone to a 50 MPH portion of the motorway. I passed through the first set of lights on green at 20-25 MPH. The second set of lights changed to amber as I was crossing from one side of the road onto the slip r
  9. Hi, Last month I opened a Clear Score account to check up on my credit score and see how I was doing. Today was my update day, I logged in to find that I have a CCJ against me which was issued on the 16th of March 16. The web site doesn't give much information, case reference, address, amount and which court issued it: County Court Business Centre The problem is that the address they have used is over a year out of date so I have received no paperwork. I moved out of that address in February 15 and into my fathers address to help him look after my step mother w
  10. http://www.rnib.org.uk/campaigning-current-campaigns-employment-and-welfare/pip-campaign This only affects the care part. Currently, you receive points if you use an aid. They want to change this. The options are: A lump sum for people who meet the daily living threshold on the basis of ‘aids and appliances’. This would be less than the equivalent of the usual daily living rate, it could be discretionary, or restricted (such as paying someone in vouchers). It would not passport people to other benefits and would mean claimants would not be exempt from the benefit cap. A
  11. Hi all I have received a date for a county court hearing regarding an outstanding balance on an old Welcome HP agreement. I bought a car on hp 10yrs ago but about a week later, the car fell to pieces and was returned to the dealer. They eventually provided me with a different vehicle but did not give me a new hp agreement to sign. So, the only agreement in place details the vehicle that was returned. There is no signed agreement on the new vehicle. I kept up payment for a few years but eventually came into difficulties and payments ceased. Fast forw
  12. Hi All I'm due to have my yearly review shortly and I have been pre warned by a senior manager, although not my direct report, that it may not go well and that I may possibly be forced into a demotion and that this may be due to perceived performance problems. Can they legally take this course of action, should they not at least offer some sort of improvement plan? I must state that this is all theory an conjecture at the moment, I've heard nothing from my managers, and why this manager has warned me isn't entirely clear.. Many thanks in advance..
  13. Hi there (I apologise for the essay in advance) I'm requiring some assistance which seems to be somewhat of an emergency at the moment. While I was at university I had a student account with Lloyds TSB. Everything was fine and there was regular money going into the account , however towards the end of university I had accrued quite a significant amount of debt (as most students do) and as my student account became a graduate account I had gone over my overdraft limit by a few pounds and I had started incurring overdraft charges that were equating up to a substantial amount.
  14. Hello, At the end of September 2013 I sold a ford Ka and mailed the V5 to the dvla. I then left the UK in February 2014 upon finally unpacking the last boxes I have noticed that I did not receive a conformation letter from the dvla yet I have for the car I had up to leaving the UK. Is there anything I should do? should I contact the dvla asking? I do not think I have anything with the registration number on either. Thanks.
  15. Hi Guys New to the forum, so hello! Currently looking to source a new purchase mortgage, and had narrowed the choice of with HSBC and Leeds BS. Just to be sure there were no issues with the applications I signed up to Experian and Equifax to take a look. Experian 940 Good / Equifax 463 Good - so naturally didn't think I would have any problems moving forward. Went to see HSBC on sat, they did a very quick check and gave us an AIP - then spoke to Leeds this morning who said they would run a check for an AIP. They called back to say I had been declined due to advers
  16. Hi and thanks for taking the time to read. I have just received a small claims form pack (N9) which was issued on 17-Nov-2014 from Northampton county court business centre, for an old debt from Capital One which Arrow Global have purchased. I have looked up on my credit profile and can see a default was registered on 11/02/2009, the last payment for this debt was some months before that so it may possibly be statute barred if I'm correct? I have never acknowledged any letters or had any contact with Arrow Global, nor have I ever had any contact with Capital One since
  17. Hi, This is my first post but I have been looking around on here recently as have been seeking some advice. I haven't been able to find a post similar enough to mine to get an answer so I'm going to tell you about my troubles in hope someone can steer me right! I took out a Barclays Career Development Loan back in 2007. The company I took it out to train with then soon went out of business - I'm sure some of you would've heard of them. 'Connectivity IT Training' based in Docklands, London. I telephoned Barclays after I'd found out to then be t
  18. I worked for this company between 28 July this year to 13 August. It was a telephone research company and I wasn't great at it so they hastily sacked me on the day of 13 August (that's the whole truth and I was not guilty of any misconduct or any lies during application or interviews, this is unfortunately the modern economy). I was told to leave on the day and would be paid for the week's notice as provided in the contract of employment. At the end of August I got a payslip saying the pay for my time there was £1050 gross. Now the job was £21,000 p.a. Doing a rough calculation, there are 25
  19. Hi guys, I've received a letter from Cabot Financial, regarding a Barclaycard debt. They are asking for 10% of the debt of £3500 as a final payment to close account. I'll be honest and say that I don't remember clearly, but I believe this debt is very old, i.e. around 10yrs or more. I don't have anything showing on my credit files, so could you please advise what I need to do? Thank you.
  20. I think we may have committed benefit fraud! We get pension credit at the moment, both guaranteed and savings. At 12.30pm today we have a compliance meeting at the jobcentre plus office. When we were awarded the savings part of pension credit we had £2000 savings (the only reason we got it). This has now whittled away to just £200! So, without realising it, we have committed fraud because we didn't declare this. Having only just looked into it, not having realised before. Are we likely to just have saving pension credit withdrawn? Are we liable to pay it back? Even mo
  21. Greetings, At the moment this is just an enquiry... I returned an item puchesed online via an Amazon seller. They sent the wrong item and so I requested a refund. They sent me a prepaid 2nd class label to return the item via Royal Mail. This has a tracking number. The item was posted on the 3rd of July, it is now the 24th and the item is still showing as "in the system" on RM's website! So the question is who is responsible if this item is missing, me or the seller? Who makes a claim against RM? I assume my original P&P should also be refunded... Many than
  22. Ok, this is a long one so I will keep it as concise as possible. To try and avoid paying out an agreed £5,400 in miss-sold PPI, HSBC decided to illegally register a £9,000 debt in my name so that they could pay the money directly to Metropolitan. This was done in July 2011, two weeks before I was due to be filmed for Dragons Den. The result of the registered debt was that I am still unable to raise any finance for myself or my soon to be closed company and I have lost patent applications worth an awful lot of money. I am in the middle of investigations by both the FOS and t
  23. The bedroom tax is dead. I’ll repeat that in case your eyes deceive you reader, the bedroom tax is dead! There was a hugely significant appeal win in South Wales I discussed and posted about earlier and I called the bedroom tax a lesser spotted Dodo. My apologies reader the bedroom tax is ‘deader’ than that upon reading the actual judgment! http://speye.wordpress.com/2014/02/0...ead-heres-why/ In a nutshell, a first tier tribunal in Bolton has ruled that a bedroom can only defined as such if it's used or furnished as a bedroom, a spare room used as a study or art room ar
  24. Just had Cabot through the mail with regard a 2K + debt. This was taken out in January 2007 but had a 1 year interest free/no payments thing (meaning I didn't have to start paying until Jan/Feb 2008). My CR file only shows defaults from Jan 2011 but it does state that account closed with OC in June 2008. Now, I am sure that I never made a single payment towards this debt and the default end date is June 2008. Am I right in thinking that defaults are registered after 6 missed payments (6 months) and that this debt is pretty much statute barred? Many thanks for any advice
  25. A CASINO has been operating an unauthorised car park for almost seven years. The pay-and-display car park at Grosvenor Casino was given the go-ahead in 2003, with planning officers stipulating that permission would only be given for three years. But an investigation has revealed the company did not renew permission for parking on the site in Ormrod Road, and has since added new signs. It also installed an automatic number plate recognition system, using three CCTV cameras, in March, 2012. Bolton Council planning officer Graeme Mitchell sent a letter to The Rank Group, which ow
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