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  1. Hi, I have a debt which was with Barclaycard originally back in the 90's, roughly £7k. I got into trouble a few years ago when I was ripped off by an investment company who put me out of business and stole several thousand pounds from me. I was advised to use Step Change in 2016 to sort out 4 debts in total. I was not aware that this system would only last for 1 year ( paying a nominal sum per month to each debt) and that afterwards I would be back to square one. After it ended I was abroad working for a few months and was not receiving my mail. Now I seem to have Link F
  2. Hello Caggers just after a bit of guidance, I have sent a SAR to HSBC and pretty much been ignored ended up lodging complaints to FOS and ICO, the end game is all about PPI. I am corresponding with ICO and they will only get involved if HSBC have refused or ignored my request. I told the ICO my request has been ignored and sent them a signed receipt for the SAR delivered into a HSBC branch for delivery through internal mail system to HSBC data controller. The ICO have now come back and said this is not proof the bank have received the SAR and not proof the bank have
  3. HI I moved to a private flat-share around a few months ago. The agent at the time didn't want to give me a full tenancy agreement. I wasn't really fussed as i was working and paid my rent on time. Unfortunately I recently lost my job and have been forced to claim esa. The landlord does not usually accept people in full time employment and i have no intention of risking my accommodation . I need proof of address as i am allowed by law to apply for housing benefit and i am under no obligation to tell him i am unemployed anyway, BUT i need proof of tenancy What possible reason can i
  4. Dear all, I've just discovered that the sub-floor and joists that were replaced only 6 years ago in my Victorian house have rotted again, I'm told by an independent building contractor, due to inadequate damp protection. A master carpenter/joiner replaced joists/sub-floor and oak flooring only SIX years ago, due to the originals rotting. My question is can I reasonably expect the carpenter to contribute to the cost of this new work, which will essentially be to rip up what he did 6 years ago, beef up any existing damp protection and then rebuild the floor fro
  5. Hi all, I have been a member of the site for many years, and was given great info about reclaiming bank charges years ago, thanks for that. However, my problem is now with Welcome. After scouring the Welcome forum for months I decided to go for the PPI on the loans I had with them, and through the info from this site I managed to get back a good bit of cash, again thanks, but Welcome used the refund to pay off an outstanding balance on my last loan, which I thought had been paid off, since found out why it is still open, but that's another story. However, after returnin
  6. Dear Forum, Just looking for some advice in order not to fall into the well-reported problems with cancelling DW Sports contracts. - Me and my wife each have a 6 month contract (which will run for 14 months if not cancelled) - Our contracts started in Feb and March respectively. - DW Sports terms and conditions allow for cancellation if you have a "change of circumstances" (Clause 12, Section 3) - We are moving abroad on the 15 June 2017 So, we did the following. Went to the gym where the manager got us to fill in the online cancellation form - we did this and got a
  7. Hi, If for example a bank pass/sell on a debt to a debt collection agency there has to be some sort of paperwork for this to go through? Can we ask for this transfer of ownership of the debt through the courts and if they don't come up with the documentation isn't that illegal? Thanks.
  8. Hello, Firstly a big thank you to the contributors, having read many of the DW / ARC complaints on here I have managed to get Major Law Solicitors off my back and DW Fitness have agreed to close my account with no further action IF I can send proof of the phone calls. The trouble is the phone calls were made in my parents house down south of which I have no access to the phone records and would struggle to as they live abroad 6 months of the year. I remember making a couple of phone calls that didn't go through on my mobile but later than the date my letter said.
  9. Hi Everyone, I'm currently having the following fun and games, any advice: I took out my Policy with my insurer in December 2014 and sent them the appropriate NCD proof. All fine until July 2016 when I move house and, then, approaching renewal time in December 2015 a week before reveal I hadn't received anything from them. I call them and then realise I had forgot to tell them of my change of address. This is an important bit, what I was told 'you cannot renew a Policy to a different address to that of your renewal,. I tell them fine I'll start a New Policy online which I duly
  10. Hi, would appreciate some advice if possible. History of this debt - Original Creditor: MBNA Date of agreement: 12/10/2005 Current owner: Arrow Global Current balance: £4223.87 Default date: August 2010 Last payment: 2013 (?) DCA: Capquest Current issue - Got married a few months ago and have changed surname, found CAG and decided to sort my act out. Recently sent CapQuest a CCA request (using CAG template), trying to get things sorted. Before they even received it my neighbour popped round with a letter they had incorrectly sent to her address. Sh
  11. I initially had a credit card debt with MBNA which was then sold onto Max Recovery Limited. When the debt was originally sold it was under an IVA. Now the IVA has since been cancelled, so I have started written communication with Max Recovery Limited. As I understand it, when a debt has been sold on, there should be a Deed of Assignment to prove that Max Recovery Limited own the debt. I have asked for this document on 3 occasions Max Recovery Limited has not acknowledge this requests. To date Max Recovery Limited has sent the debt onto their own DCA a firm called Drysd
  12. Hi guys i work for a company called xxxxxxxx a company who are well known for ripping people off on the job, I work on the Virgin contract and had a job which involved abit of cable clipping and cable splicing as the customer didnt want extra holes drilling through her conservatory luckily i found an exsisting RG6 sky cable on the roof of her property which i barreled on to and tucked behind the gutter no tugging or pulling involved as i just slot it behind and then clipped the way around to my access point. 6 weeks had passed since the job had been completed and th
  13. My wife has a LA PCN for stopping in a box junction which she doesnt think she did . She followed the link to the online info that shows 4 pictures of the car all off the box apart from one where she is half into it. So how do the council decide if you were stopped in the box or passing over it? Thanks for any help Sam
  14. Sorry for having to create a new thread. I know there is already a lot of great information out there already and I have read loads already but I need some fairly specific advice with this one. So the story goes: I took my Dads car to the office the other night. We have use of a car park that belongs to a bank that we sublet an office from. All thats required is a little paper permit that I have had sitting between my dash and windscreen for months now without any issues. The other day my Dad sent me a text saying he had received a letter about a PCN being "overdue". He sent me a c
  15. Hi all, rather a strange post so please bear with me. Today I had a 3 hour long final assessment as an admin assistant and got offered the job after my 1 on 1 interview at the end. I was called away to the interview when I was inbetween filling in all the forms. When I finished the forms, the another lady who worked there (not the one who interview me) looked through my forms and said I need to provide proof of the last 3 years of my benefits. I was a carer for my Gran up until Sept 2014 but was getting Carers Allowance up until August 2012. The Carers Allowance stopped due to my Gran bei
  16. Hi, firstly, my partner and I, along with our child have lived in this house since 2011 and in this street since 2006. Last year I applied for his secondary school place and was awarded the school of our choice, the school is 250 metres or so from our front door (one of the reasons that we moved to this street in 2006). Last week I received a letter from the LEA Admissions officer telling me that I had to prove where i lived in October last year, they want 5 pieces of paper, 2 of which are A V5 document , I dont own a car, my partner buy s and insures our cars, also, proof of receipt of
  17. Hello to the forum. First things first I would like to say a big thank you to all the people that have posted on here as it has been a great help to me in my fight with them- link, over the past 3 & a half years!! My situation. The usual pre 98 student loan. Never paid, recognised or did anything & had completely forgotten all about it until out of the blue, July 2011 a letter from link! I’ve batted with them for well over 3 years now. Done the statue barred thing only for them to come back with the CCJ thing by the student union in 2001. the question
  18. Hi all. Went bankrupt in 2008 and included a welcome loan in it as a debt. Last year received a CCJ from them claiming repayment, filed a defence saying it was included in the bankruptcy, now received a demand saying i need to provide proof or they will proceed with the claim. Do i need to provide proof, surely its not that hard to prove i was bankrupt They claim they cant locate any proof of the bankruptcy. if so HOW DO i prove it??? Rgds
  19. Dunno if this is right section , but here goes In May 2013 a charity provided my autistic son with a new boxed HP laptop. Recently the battery is going flat very quickly -about 2hrs.It def needs replacing I was surprised to find my warranty had expired in May .....2010 ! I contacted the charity and they told me they bulk purchase in advance -hence the early expiry my question is do i have any legitimate warranty claim ie when i received the goods ? Thx
  20. This is the best place I could find, but it's not the right place to post this. I am at the top of the list for a council house, I have till Friday to prove my address otherwise it's back to the bottom. The issue is that I have only got my bank statement that goes to where I am living at my sisters house. I don't have anything else at all and they don't accept a driving licence. How can I sort this out?
  21. Hi, not had to deal with any of my cc debts for over 2yrs (all either unenforceable or DN problems), but the only card i had managed to keep straight was a HSBC one that i now cannot keep up with. I have sent a DSAR and had confirmation, in writing after threatening to make a formal complaint to the ICO, that they DO NOT have a copy of the agreement (if there ever was one). Since it was over 2yrs ago that I researched and joined CAG, I am sure the info I had then may be out of date. Could someone please give a quick refresh of anything that has happened that may affect me putting the a
  22. I've always kept a paper record of my job search activities, however, it seems that at my Jobcentre, claimants are being heavily pushed to record this on Universal Jobmatch. One of the issues with UJM is that the vast majority of the jobs listed there don't allow you to apply within the site itself and take you to an external site, such as CV Library, Adzuna etc. This then means that your application is not recorded in the 'Application history' section. So, does anyone know if it's acceptable to manually type this information into the 'Activity history' section instead? I am also conside
  23. Hi, Hope this is not a stupid question but after paying a token £1 per month payment for a number of years my debt has been passed onto a new Dca and they want proof that I'm on benefits. I can provide a photocopied letter from the SSA but my question is a data protection one, , can the information they hold on me be passed to outside 3rd parties and any other agencies or is it held by them 'in house'. Many thanks...
  24. What is the procedure for job centre advisers to check your private email account on your phone to see if you've actually applied for jobs and have proof of it? I currently have proof on my email account of jobs which i've applied for which I can retrieve on my phone but what is the actual procedure for job centre advisers to physically see these emails which counts as my proof in looking for work? Can the adviser demand I hand over my phone then open each email to read them or do I just need to turn the phone screen to the adviser and show them the emails listed without actually g
  25. Hi We recently bought a plastic garden storage unit from shedstore. (can't post link as too few posts) They desribed it as " suitable for both indoor or outdoor use, garage or patio." The box it came it stated "Weather proof for outdoor use" However, the doors only touch at the top and bottom and there is a 4mm gap in the middle that lets rain in (the doors would need to overlap to be rainproof) We contacted shedstore (by email) who then contacted their supplier. They suggested that we add some additional door seals and they stated that the product is not waterproof!
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