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  1. Hi I'm looking for some advice. I have received a solicitor's letter saying that I am in arrears on my mortgage and if no agreement can be reached then the house may be repossessed. I am querying the arrears as it includes a multitude of charges etc., When I first became unemployed I requested that the arrears be added to the end of the mortgage...capitalisation...but Platform refused..because this was something that they didn't do. I also asked if I could buy myself out of the high interest rate to a lower interest rate...and they refused. My original mortgage wa
  2. Are you one of the four million Whirlpool tumble dryer owners, sold under the Hotpoint, Indesit and Creda brands, which have been affected by a fault which can cause fires? Are you still waiting for a repair, nearly a year after Whirlpool issued a safety notice? Are you still using it despite London Fire Brigade reccomending customers to stop using them immediately? Well, now a decision by the Ombudsman means that you may be able to obtain a refund from your credit card provider. Unwilling to accept a fire hazard in his home for almost 12 months, one consumer took his case
  3. This article was I believe first published in December 2016, but has been updated as of today, 3rd April 2017. Looking at the chart, in each of the 5 quarters since 2015 - Vodafone is consistently the most complained about provider. Of course we here on CAG didnt need OFCOM to let us know this, did we ?
  4. Got a call today, the message was made using a automated weird voice. Message was: Reward of £30 in vouchers for Black Friday - all you need to do is provide your signature and name of organisation I volunteered with - to be eligible for the vouchers. the number is 0786-***-1261 maybe belongs to someone else trying to get credit for my work placement?? Anyone else had this at all?
  5. This is a funny one, Money Shop & PDUK now make you give a valid reason as to why you are paying your loan early?! I was browsing through something with a friend today who is paying off a small loan to Money Shop and in order to clear it, it made you give a reason as to why you were paying it off early. I wonder... Has the word gone Barmy?
  6. I wanted to know what the new rules are with regards to withdrawing consent for the WP to share your info/contact people on your behalf/claim their fat payment for my hard work when I get a job .. as I am sure I read it had changed since last year, also coincidentally each time I attend a review meeting I get loads of spammy job/credit emails in the weeks after which seems a little timely!! Am getting increasingly fed up with the WP provider, by and large I have had a year of having to attend weekly job clubs with slow computers and the like but since I hit the year mark it seems to have
  7. Tonight I attempted to change my Internet and phone service provider from Talk Talk to Plusnet. This became impossible because Plusnet would not accept my debit card details without a debit card nickname. I have no idea what a debit card nickname is and I am therefore unable to provide one to Plusnet. Does anyone know what on earth is going on here? My debit card details are correct, I have money in my account and a regular guaranteed pension income. I asume I will have to look for another service provider who is happy with my debit card details and doesn't require any crazy nic
  8. Hi I've recently had some work done on my car which has resulted in considerable damage being caused by the company who did it. The work was to vinyl wrap parts of the car, however the person who performed the work was negligent and has caused considerable slits in all of the window seals, they no longer fit properly, and now need replacing. It was not a garage, but a specialist who does window tinting, vehicle graphics and vinyl wrap services. I have sent him photos and he is willing to "take a look" (on Friday) however there is no way they can be repaired and will require
  9. Once again the letter from my work provider telling me a telephone interview has been arranged and that I must be available for it. I know I do not have to participate as I am in the support group, but it is criminal how they hound people (we look forward to seeing you again, and helping you find the right job). How can they 'see' me over the telephone. It's so exhausting keep up with all of this, failed PIP medical, lost mortgage relief form, now these people. You get to the point of just wanting it ALL to end.
  10. We are with a home phone call provider. We were on a plan for many years where we received 1500 minutes to international destinations. This past month we received an exorbitant bill for over £500. When we called the company they said that they had sent a letter to all suscribers that the plan was being cut to 1000 minutes. I told them that we hadn't received the notification, they offered to halve the bill. Obviously we aren't happy at all as we had no notification and this is very unfair. I called consumer advice and they advised to
  11. Hi everyone and sorry to start with a problem. I wrote my car off middle of last month and my insurers paid out in 2 weeks. The accident was my fault and the police and ambulance were called as it was serious and I was rushed to the hospital but luckily nothing major. I have since tried to claim on my GAP insurance and they seemed not interested as I had to keep calling them everyday just to know what was happening with my claim. At first, it was always " its with the validations team, then with the underwritters, then back and forth" until about a week and half ago when I called and was
  12. Hey all. The move from Rugby to York is happening and we should be moved within the month. Finding a job here is unlikely and York has so much to offer, so much more job opportunity etc I do have a worry. I did read that once signed to a specific Work Programme provider - it can not be changed. Here I'm with Sarina Russo and there is no Sarina Russo in York. According to this link, the only WP providers in York (north east) are Avanta and Ingeus. So, please dont tell me I will be MADE to commute a 6 hour round journey from York to Rugby because I wouldn't be allowed to change WP prov
  13. Sky offers a way of managing your account online and if you click on "My Packages" on your Sky account it gives you details of everything you have with Sky. A few months ago I went to look at the phone package to see exactly which 08 numbers are free on the package (generally 08 numbers are mostly avoided but sometimes it just isn't possible). When I went to the phone section on "My packages" the phone package was listed as "Sky Anytime" but with no details and an option to click for details, which I did. It then brought up a screen with some features of "Sk
  14. They go from bad to worse. Today I received a letter making out that I should have an appointment to see them tomorrow, as well as two more in the next 10 days. I freaked out as I have had not received anything about tomorrows. Turns out their mistake. I am on a whacking dose of medication for depression and anxiety as well as high blood pressure to name but two. I had to ring them in a fit and panic of tears - as I cannot handle this. One of the dates I have to see them I did have a docs appointment (I have cancelled and rearranged) as I am worried sick about these peo
  15. I was on ESA for around 2 years, and had to attend a programme at a local training/employment provider. I attended once, filled in their assessment, and spoke to one of the members of staff - who, after being quite rude, softened up when I showed her my CV and spoke about how much I actually wanted to go back to work... but that my doctor was strongly advising me against it. She told me not come back. This suited me as I've never been so disgusted as when I went in to their offices, saw them joke about clients and their poor circumstances, and threaten them when they asked for help.
  16. Hello, i am hoping someone can recommend a good place to get a loan from? I am currently unemployed but i do own my car outright worth several thousand £, and am looking for a loan provider that will use my car as collateral. Please note i am NOT after any logbook loan type companies, but a provider that maybe you have had experience with and can recommend. I have tried the internet comparison sites but they do not allow me to enter the car to take the loan against. Thanks (apologies if this is not in the correct forum, please move if necessary).
  17. Heard of slamming? I hadn't until this morning when I found that my number had changed and my Broadband doesn't work any more. Turns out that my phone contact has been taken over by a new provider - and no one knows who it is!! It is a nightmare trying to sort it out and when the service eventually goes back to BT, there may have to be a new number etc etc etc. Anyone know about this stuff? I called OffCom. It will take them 4 days to find out who the new provider is
  18. Blame some of the guys posting on the Ingeus thread for this one... On the whatdotheyknow.com web site, a FoI request was made to the DWP in respect to mandation notices & sanctions issued by WP providers. Of particular interest is one of the attachments in the DWP response. The original request: https://www.whatdotheyknow.com/request/threats_of_saction_issued_by_wor The pdf of interest: https://www.whatdotheyknow.com/request/152662/response/376951/attach/5/WP%20JR%20Assurance%20letter%20v%20final%203.pdf Well worth reading, and I'd suggest printing out copies to use in an appeal
  19. I currently pay £31 a month for Plusnet Fibre broadband, their cheapest 40MB 40GB package. Been a customer for 2 years along with my Mum and no complaints. Been looking at other deals on the internet and I've noticed that EE do a similar deal but unlimited at the same price, Talk Talk do the same for £31.45. Virgin internet only deals are cheaper too and they're basic starter package is only £33. I'm tempted to go to Plusnet and squeeze them for something extra due to these other packages I've found, has anyone tried this with their provider and succeeded? Know it sometimes works with mob
  20. Does anyone know what company comet used to use for their warranties before they went bust? or is it the same as it is now?
  21. Many of you are probably aware that the new payday loan customer charter is now in place, if you fancy having a look here it is: http://www.cfa-uk.co.uk/documents/PDandSTL_Addendum_Lender.pdf Most payday loan lenders will be a member of one of the participating trade associations, this means there is now a (slightly) more obligation on your payday loan lender to play fair. These rules are in addition to the OFT guidance on debt collection. If you are unhappy with your payday loan provider (for whatever reason!) there is currently a payday loan survery which is designed to feed inf
  22. Back in August 2012 I had an early upgrade via Vodafone from my old phone to my current S3. I wasn't due an upgrade at the time, and had another 2 months to go before I became eligible for one but due to ongoing issues with my phone and having thrown a hissy and threatening to quit when my contract came to an end in January this year they relented and gave me the S3 on a new tariff. The new tariff was applied and I got my phone. All was will until Friday when I lost all service. Thinking it might just have been a glitch on the network, I waited to see if it would resolve.. it didn'
  23. Is there any members that offer buffet service that would be happy for me to pick their brains? Ida x
  24. Ingeus seem to think that my fortnightly signing on at the Jobcentre is separate. My contract is with the Jobcentre and not Ingeus. They (Ingeus) expect 3 jobs applied and declared to the Jobcentre and then as many jobs as they say I must apply for and declare applications to them on paper unless I want to be reported to the Jobcentre for possible sanctions. Are they allowed to force me to make many, many applications far in excess of what my Jobseeker Agreement stipulates? I always exceed the mininum requirements for activity that the Jobcentre expect of me. Has anyone made a r
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