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  1. Hi there, Is there anyone out there who can help me? We have a former GMAC mortgage that went over to mortgage Express. We were keeping up with the mortgage until I finally succumbed to my illness and disability. We are currently five months in arrears which works out to be £4250. I was working part time and my wife was working full time and up to earlier in the year keeping up with our mortgage. We thought we had sorted ourselves out with my working part time and my wife getting a full time job a while ago. I had an operation several years ago, that resulted in damage to my spine, this means I take 35 tablets a day, and have fentanyl (type of morphine) patches, oramorph (another type of morphine). I am stuck in a wheelchair now, I am typing from a special bed installed in our bedroom that is like a hospital bed. All this means I cannot really work a lot now. I am waiting for the first of five operations at the start of August so will be out of any sort of working fulltime loop for a few years. I will be able to work part time and an employer is willing to let me do this fitting around all my issues. My wife works fulltime, but had to take a few months off without pay due my being in and out of hospital. overall a loss of income. We have managed to stabilise our position, but need to sort out the mortgage arrears. We were in arrears a few years ago with MX and it was hell. Four of five phone calls a day, refusal to accept a deal, threats of a home visit etc. we changed our phone number, managed to pay off the debt and were debt free for three years. How can I write a letter offering an extra £150.00 a month, which we can pay and try to forestall any action? We had a knock at the door which was out of the blue. It was an advisor and valuer from them. We told him to go away, we were only going to deal with Mortgage Express in writing as our last experience told us they bullied on the phone, never agreed a deal, and kept on phoning us. Despite our telling him to go away, he came back four times, each time was when our neighbours were coming home from work. He would stand outside the house and with a raised voice tell us he was there to deal with our mortgage arrears. our neighbours know our business. Can someone point me towards a letter template our help me out with one to send them as soon as possible? I just want to stop and action which the valuer told us they would do, that being taking us to court for repossession. I know the court might end up giving possession and then stay it, but it is a worry I could do without. I get full DLA, I am as previously stated in a wheelchair. I have four outpatient’s appointments a week, which I know is not MX’s fault, but being thrown out of the house will result in my ending up in hospital. Please help.
  2. Hi. Been paying Stepchange for over a year now. Various Credit Card + overdraft debts totalling just over £30k. I will be in a position to clear them next year if I can get F&F acceptance at around 35%. Should I also be seeking to obtain CCA's to see if the debts are enforceable and also look at unfair charges etc on the overdraft (Santander) Also possible unfair charges on original account when it was A&L
  3. Had interview with compliance officer re PC have to provide copies my wife business accounts for last 4 years - no problem sending HMRC accounts photocopies. No profit made. No savings but we took out a lifetime mortgage on house and draw down to clear debts ( Credit Card 11K) Would they regard this as income? does that leave me liable to interview under caution + having to pay back? How far can they go back? and can I stop having PC as I am ill and can't take stress? HELP! Thank you
  4. Evening, I requested a SAR from Co-op, I had a loan from them several years ago. I gave my name, address from when I made the application and the reference number from the loan. They have replied to me saying they are unable to verify my signature(s) after checking my records. They have asked my to provide photographic ID in order to investigate the matter further. Is this normal? Has anyone experienced this with Co-op? I've requested SAR from other places with no issues. Many thanks
  5. Hi Everyone, Happy New Year to all I know this is probably a really stupid question so please don't shout at me (I'm not well at the moment) ... I am wanting to get my PPI reclaims underway and I wondered if making a claim would resurrect any old debts? If that even makes sense? Is it better to do myself or through the "Resolver" reclaiming tool from the Money Saving Expert website - it's free but there's no mention of doing as SAR? Thanks in advance
  6. I've read through all the threads here, and this seems like the best course of action - to write a letter to CRS (who have now taken over from Harlands with harassing my daughter). It's a similar situation to many on the forum - except she was 17 when she signed up, and there was no "adult" involved in either signing up or payments. We have emailed the gym once saying this (on receipt of the first Harlands email): Dear Sir/Madam I am contacting you after taking advice from your staff onthe phone. I have had a contract with you since 2/9/17, which wassigned when I was 17. I handed in a letter on about 12/7/18 sayingI wished to cancel my membership as soon as my year was up, on 2/9/18. Ihave now cancelled my direct debit, and received a slightly threatening letterfrom Harlands Group, asking me to reinstate my DD or pay an admin fee. I have tried to ring Harlands, and have evidence of being onhold for over 30 minutes. I have tried to use Harlands' online system, but thisdoesn't accept the reference number given by them (again, I have evidence). I would be grateful if you could provide some clarity onthis situation, as I have taken legal advice, and would like this mattersettled quickly, and to not receive any further harrassing emails fromHarlands. I wish to cancel my contract as of 2/9/18, as stated in myprevious letter, and would like you to action my cancellation as soon aspossible. As stated in my previous letter, please let me know if thereanything else I need to do. Regards I think it's time for a letter to go to them, so I wonder if someone would give me their thoughts on the text below? I'm a bit doubtful about the dates - it could be that daughter was a bit keen to cancel the DD, and that it hit before the notice period was up, hence the offer of £9.99. She will send this by regular post. She is very worried, but has been ignoring their emails/texts. Thanks in advance for any comments. Your reference: xxxxx WITHOUT PREJUDICE I have received an email letter from CRS on 14/12/18. It once again makes unlawful threats and harassing comments. My Xercise4Less membership was cancelled, in writing, to the gym on 12/07/18. The gym did not inform me of any additional requirements to accepting this notice (copy enclosed). I cancelled my DD mandate in September, and this can also be considered notice that my membership was to be terminated. I will offer a final payment of £9.99 as a fee for a final month’s additional notice. You have 14 days in which to accept this full and final settlement, and to provide details of where I should send the payment. It will not be made by direct debit. I will not pay any administration or penalty fees. Further to this: I was 17, and therefore a minor, when I signed this contract. There is no guarantor or co-signer for the contract. The staff used high pressure selling techniques on me. I will robustly defend any legal proceedings you bring against me. I will not respond to any text messages, email messages or phone calls from you or any other organisation on this matter. Any correspondence will be done in writing. If you continue to harass me via electronic means, I will raise a complaint with Trading Standards, the Financial Conduct Authority, the OFT and the Financial Ombudsman. I also reserve the right to pursue court action for harassment and seek damages. Under GDPR rules, I also withdraw my consent for your organisation to hold data about me, or to pass it to other organisations or entities.
  7. Hi all My mother died in September and I've been putting off applying for a probate grant but I've made an attempt at completing application for probate form, (PA1) https://www.gov.uk/government/publications/apply-for-probate-form-pa1 and Inheritance Tax IHT205(2011) https://www.gov.uk/government/publications/inheritance-tax-return-of-estate-information-iht205-2011. I've read HMRC guidance notes but I think I'm missing something when completing the online version IHT205 because it flags up that my mother's estate could be liable for Inheritance Tax. I've carefully assessed Mum's assets and liabilities and assumed that once these were entered online it would automatically make the deductions but it doesn't appear to do this. My mother and father took out an equity release mortgage which amounts to £175,000, the property has been valued for probate at £375,000 so I would assume that the mortgage and any other liabilities should be deducted from the property value and other assets. Does anyone know what I'm doing wrong? Should I deduct the liabilities from the assets myself before adding them to the online application? If not, I'll give HMRC Helpline a ring in the morning. Thanks for reading, hope this makes sense.
  8. So quick question for anybody in the know I am about to start a new job monthly paid - However I am concerned... The company do Payroll on the 20th of the month. With this date up and coming in less than 2 weeks - Would the company do payroll based upon 1st - 31st of the month where applicable and pay it on the 20th during that period (Like where some companies pay you on the 26th / 27th till the 31st for example?) Or would I only get paid a week if I started next Monday? Slightly worried?
  9. Hi folks, my mother died in September and I'm executor of her will. I've arranged for for an estate agent to view her vacant property in order to prepare a probate report. I'm also getting two property valuations so that the house can be put on the market after probate is granted. I'm going to apply for probate myself and I don't anticipate that inheritance tax will be due because once sold there's a large equity release payment outstanding. my question is does anyone know the difference between a standard probate report and an enhanced one? There is a fee of £250 for the standard and £350 for the enhanced. I was told the latter was 'to cover inheritance tax', but when I asked the estate agent's rep to explain the enhanced type in more detail, she advised me to consult a solicitor. I don't want a hefty bill for simple advice but wondered if I should have gone for the more detailed report, so if anyone can help I'd be very grateful.
  10. Question on EPC requirements: Expiry at end of the year - if want to enter into a tenancy agreement within next few weeks, does Landlord need to re-new the EPC? If tenancy is above the max £ level (>100k) does this mean Landlord does not need to re-new the EPC and does not need to adhere to the minimum energy efficiency requirements? Current EPC shows E. Thanks for clarity.
  11. Does anybody know if a new passport has to be declared for new addresses every time they move and is another fee still payable if move more than the occasion intending or would it just be the single fee for a new passport renewal.
  12. Hi, can anyone tell me if alleged"defaults" from creditors can remain on my equifax file or for that matter any credit reference agency? in my own case.. i have won 2 cases against me alleged to default in 2012 whilst i understand they are going to fall off the file this year... its later in summer.. my query is .. having won my cases, does that not say the dispute was won on an alleged debt.. therefore should not be there?
  13. Hello, I used Resolver to find out if I had any PPI with Studio catalogue, I attach the response and although the sum would be very small if I were successful, I feel that it is a matter of principle as this response is, I think a fob off. Studio response1.pdf
  14. Hi all Someone has just told me about this site and said it's the best place for advice I wonder if anyone can help me please The company I last worked at have just started liquidation proceedings. I was made redundant a month before this happened and so I have only received 1 months pay in lieu My query is I've received a P45 from them but the pay to date figure states 2 months pay They say their accountants said it's right as it's what I've earned - but I never received it and now I have to wait to see if there's any money to pay creditors who are beneficial into the continuity of the running of the business before I will get anything Is this right?
  15. In short I brought a samasung S8+ mobile August 2017. On doing a reset April 2018 it has a screen burn (samasung advice) I brought the phone from Amazon 3rd party seller. I tried to contact the seller who refused to communicate with me Amazon also tried and advised me to apply for a charge back form the credit card company. I have today heard that they will not do this has the card was used at Amazon and Amazon will not help has it is with a 3rd seller. the phone is less than a year old and appears i have no redress to any resolution in either a repair, refund or replacement. Is there any thing else i can try. Thanks in advance for any advice
  16. Hi, I've been looking through my credit report and have realised I have 2 'settled' accounts, both with defaults registered. One is with o2 and another is Lowell (an o2 account!) - I've emailed both companies to try and see if it's the same debt or not! I don't ever remember having 2 phone contracts out at the same time... Am I correct in saying only 1 of them can register a default if they are the same debt? The o2 default was registered September 2014 & the Lowell default was September 2013 - both completely different amounts. My question is - if those 2 defaults do happen to be unrelated, they will drop off my credit file after 6 years. Does the whole account drop off my credit file too, or just the default? I'm confused because although the date of default is there, my payment history still shows the default until the account was partially settled. Lowell account end date is registered as 11/02/15 Does this mean there will still be evidence of the default and 'satisfied' until 6 years after that date, or will it disappear after 6 years of initial default? ] Defaults.pdf
  17. Hoping someone can give me some advice here. Arrow Global and Restons have issued me with Court papers for an HBoS debt which goes back to 1997! Over the past 10 years I have requested the CCA and have SAR'd other DCA's but the CCA has never been sent, only an Application Form with retyped up-to-date Terms and Conditions. Now, of course, Arrow Global have applied for a CCJ. I don't think I would be able to go to Court myself (as a pensioner I don't have the funds for the trip to Northampton for one thing) but do you think I should dispute it? And if so, how?? Regards Chickenlegs
  18. Hi. Wondered if someone could help with my ET please. I am doing this alone so any help would be very much appreciated. My complaint is quite long so Ill just keep the headlines. In reality I was made redundant due to a breakdown in work relationships. My notice of dismissal and paperwork shows I was dismissed because of redundancy. My role was still in existance and therefore my argument is that I could not have been made "redundant". I was given redundancy pay. I submitted my ET claim for unfair dissmissal. The organisation sent a load of gumpf back. Most of which doesn't seem relevent and I think is designed to confuse but they have put: "The reason for dismassal was redundancy which is a potebtially fair reason under section 98(2) of the employment rights act 1996. Without prejudice and as alternative to the above the claimant was dismissed for "some other substantial reason" which is potentially fair reason under section 98 (1)(b) of the employment rights act 1996". Can I just check that I have understood this please? Part 2 states they can dismiss me for: A. capability, B. conduct, C. redundancy or D. because of law/regulations And Part 1b says they can dismiss me for any of these reasons or for any other "substantial" reason. They stated they have dismissed me for 2c (redundancy). All my paperwork says 2c. They can't now say it was for another reason as per part1b can they? Surely then it would not have been redundancy and they would have put "dismissal due to break down in relationships" or sonething to that effect on my paperwork? I'm getting myself worked up that I'm missing something. As an aside, I may have to start using "without prejudice and as alternative to the above" as an argument! Also - they are not abiding by deadlines. We were meant to have exchanged our document list by last Thursday and I still haven't received theirs. Is there much I can do about that? Thank you.
  19. We have recently received the Deferment Form (D10) for my husband, who has old-style student loans from 1994, 1995 and 1996. His loans (according to the letter) are still administered by Honours Student Loans. We are puzzled, as this is the first time we have received the 'new' version of the form. He is self employed and does not receive support from any other sources, so we can happily answer NO to question 3.1. Do you receive support from other sources. I'm puzzled by question 3.2 Is a student finance loan your only source of income? Firstly, I'm not even sure we need to answer it if we answered NO to Q3.1, but nowhere does it say this! More importantly, what on earth do they mean by this question? How could loans taken out over 20 years ago be your only means of support? Should we be answering this or just assuming it is aimed at people who have answered YES to Q3.1 (even though it doesn't make sense!). Sorry if I am being completely dense here!
  20. Hi Took out a Welcome Finance secured loan in November 2007 for £20k I have no defaults, pay £386.53 a month. My partner is about to be made redundant and was wondering about offering an early settlement figure. This is now under Prime Credit 5 since the demise of Welcome Finance. I know in my last statement in 2016 the remaining balance was £19719 it has been repaid in theory several times over with their extortionate charges. Is it worth pursuing early settlement for this with partner being made redundant? Thank you
  21. Hi. I bought a second home 5 or 6 years ago with the intention of renting it out, or occasionally using it as a weekend home. Ii arranged a sky dish install and tv aerial at the time, but never installed a tv. Due to my wife extended illness, the house has sat unoccupied, although I maintain it and keep it secure and tidy. However, from about 6 months after buying the house (as a new build) I began getting demands for a tv licence. These were and have always been addressed to " The Occupier" I have since just been ignoring these and throwing them in the bin along with the mountain of junkmail I normally get at that address. We are now in a position to begin using the house, and as such would be installing a tv. I am happy therefore to pay my licence from now online. I fear though, that once I purchase the licence, and they have my name, they will come at me with a summons for non payment for the other years. Is this likely to be the case, or will records just update to show the property is now properly licensed (once I buy the annual licence)
  22. Hi, Thanks for having a look at this. In hindsight I'm a bit confused about what happened earlier when a bailiff turned up at my door. We moved house 3 years ago. My other half didn't update the address on her car's log book, only her driver's licence. She got clamped/fined in September 2016 and updated the log book address. Fair enough, our mistake, it's a pity that we didn't have warning letters forwarded to us but hey ho. Today a bailiff turned up regarding a PCN for driving on a taxi only street in June 2016. Again, we hadn't received any previous correspondence regarding this. I paid up in full but have since become confused about the £235 Attendance Cost. The bailiff came to our current address at 10am, but we have subsequently found out that he originally went to our old address at 8am and handed an identical notice of fees to our the people who moved into our old house. What bugs me is why have they didn't trace our new address before leaving the office and send us a letter regarding the fine thus saving us £235? I did phone the Bailiff on his mobile to ask this and he said that the £235 isn't just a fee in relation to attending an address, it is a fee that was added to the fine because the fine had become a warrant and that process incurs the costs (and that calling it a fee just for attending an address isn't strictly true?!). We have been on the electoral role ever since we moved house, we have a traceable credit history linking our old/new addresses, and what surprises me most is that Kirklees Council must have contacted the DVLA with her vehicle registration and we had already updated our address with them (drivers licence but not log book). They could've searched the electoral role via 192.com for as little as 40p and found our new address as soon as they were asked to chase the fine, or ideally Kirklees could've done this before passing it onto Marston. I've read that the Attendance Cost is limited to £235 to prevent unreasonable charges but surely £235 is unreasonable given the ease and low cost of tracing someone that isn't trying to hide from anyone? I've also read that we should've received a Notice Of Enforcement prior to the Bailiff attending our property and given the fact that he initially attended our old address the address on the warrant would have been incorrect? Would you feel that we have grounds to contest the £235 Attendance Cost added to our fine? Any advice would be gratefully received. Many thanks, Dave
  23. Brief history is that I have been awarded enhanced rate of both components of PIP for a fixed period. The award letter tells me I got 18 points for Daily Living and 14 for Moving Around. According to the experienced Benefits advisor who helped me with my claim, I should have got considerably more points for both components and, given my age and the nature of my conditions, at the very least the award should have been for a much longer fixed period if not the PIP equivalent of indefinate. Obviously, I cannot be awarded a higher rate but I absolutely do not want to go through the hell of making another claim so soon (particularly as my ESA claim is due for review very soon, and last time it took 2 years to get an assessment done) and I'm concerned that if I don't challenge the points awarded, it will be assumed that I agree with them. Particularly in view of the proposals regarding aids and appliances, I could well end up losing some or all of the daily living component next time around if they think the points awarded this time accurately reflect my limitations. On the other hand, the risk is that if I stick my head above the parapet I could lose some of the award I've already got, or they could make the award for an even shorter period. Is it worth the risk or should I just be grateful I've got an award and start preparing for the review? I know it's part of my condition that things that aren't absolutely 'right' bother me enormously, and that award is just not right!
  24. Hi We changed broadband and landline provider in May 2017 from Fuel Broadband to EE, we were not tied into a contract with Fuel Broadband at that time. When we tried to pay the last bill of £20 we were unable to as the site wasn't active nor were any of the contact details to pay them. Today we received a text message from the Post Office saying that we owe them £20 and threatening us with debt collectors. This is the first contact we have had. On phoning them they couldn't find details of our account and told us they would have to get Fuel Broadband to contact us. They rang us and told us to ring the Post Office back when we were ready to pay and pay them. Do we owe them? The contract was always a month in advance to begin with and we can't check on what the final £20 is for because since switching to EE we no longer had access to account history and Fuel Broadband disappeared. Can anyone give any advice? Should we just pay the £20 and hope that is the end of the story? Many thanks for any help.
  25. Hi all. I have spent hours browsing through the RLP threads and they are very helpful. Thank you! Short version... I am in my 20's and recently (incredibly stupidly) took something worth under £15 from tk maxx and was stopped. Security guard was very fair. I told him of mental health problems and he dealt with it in store. No police. Usual ban and rlp print off. I am currently waiting for letter. I fully understand the position the forum has in dealing with RLP and plan to follow by the letter. My question is if the company start ringing the house am I able to ask them (via letter) to remove the number from my account? I recently moved back with parents due to my health and don't want them to know. I know from experience with DCA's you can threaten financial ombudsman but what about these guys? Any help would be great and thanks in advance! Trust me I will never do this ever again, I'm completely ashamed.
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