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  1. Hi, I am so glad I have found these forums - I thought I was alone in all this and now realise that I am not and that there may even be some light at the end of the tunnel. My situation is not unlike most others. I was aware I was in debt (credit cards, unsecured loans) but had never actually sat down and added it all up, mainly as I was 'in denial' I think, I had hoped if I ignored it then it would all go away - very stupid! I was working full-time as was my husband, I think I assumed that as we were both working we should be able to do all the things we wanted to, but with four chi
  2. I received a letter from Cabot Financial claiming they own an old debt of mine from four years ago amounting to £7800. This debt may be genuine as I went through a very bad time during my divorce mentally and lost my business and home. I thought all my debts were settled at that time so I would like to challenge them as my credit file shows no debt. I have sent a prove it letter and would like to know my next step, a CCA request or SAR request should they persist. I have read that sometimes unsecured debt cant be enforced because the relevant paperwork is lost, is that correct?
  3. I am having an issue with a very slow moving solicitor who is the executor of my mother's estate. In an attempt to be proactive I have just been looking on the government probate search site (https://probatesearch.service.gov.uk/#wills) and on there it shows a Probate Number and a Date of Probate for her will. Does this mean that - the probate process is now concluded and the funds from her estate can now be distributed? - does it indicate that the process has been started and that the case has been assigned a number but that is it not yet completed? Thanks in
  4. Could someone let me know exactly when a statute barred timer starts with student loan defer? Is 6yrs started when the defer finished or when it was asked for? Also I've noticed when searching for answers a recent "Doyle v PRA Group ruling" in Jan19 for statute barred debt. Does that affect old student loans? Anyone knowledgeable on this? Can't find a clear answer elsewhere atm For my situation statute bared would be latter part of this year unless that new ruling has any effect. In the meantime drydens have sent some requesated documents following a pap (even t
  5. On Equifax in green it says i have been on the electoral roll for 13 years and it is green, but then next to it in red it says currently registered on the electoral roll no. What does that mean?
  6. Hi All Jut after bit of advice. I recently lost my pandora bracelet and 8 charms on holiday. I made a claim when I returned on my travel insurance. Limit for a single item was £300. My claim for the bracelet and charms was £490.00. They will only pay £300 as they say it was 1 item. Would you say this was correct? Charms were all bought separately over a period of a couple of years.
  7. Cannot seem to find the answer anywhere so was hoping someone may be able to advise onhow I may deal with this when the time comes? Think in the four months I have been on Universal Credit I have had a full payment just the once due to having a couple of part time employers with varied offers of work and hours whilst I look again for full time. Back in October/November I received two Tax Rebates, one higher than the other. This was a tad surprising so I rang the Tax Office to see if this was correct and was informed that one was definitely correct but the advisor seemed a bit c
  8. my friend cancelled his JSA claim today and has appointment booked with his ingeus advisor tomorrow, he has asked me if he can still get sanctioned for not attending as he is switching from JSA to ESA? sorry to keep going on but he keeps asking me.
  9. around 1999 we bought a car on finance from Yes Car Credit, I think it was a 3 year plan but after approx one year I became ill and lost my job, we could not keep up the payments so they came and collected the car eventually. ironically, the PPI we paid was supposed to cover illness, yet we were told not so, so we basically told them to pick the car up. my questions are: as we paid some PPI, can we claim it back? I cannot remember which bank we were with, does that matter? are Gladstone Brooks any good?
  10. I have a question for you lovely, knowledgeable people. My brother phoned me this afternoon, quite irate. He had gone to his local Nationwide Branch to pay money into the accounts of our young nephews whose birthdays are coming up shortly. It was £25 into each account. This is something my brother has done for years. He is not on the internet as he refuses to get a PC. Long story short, teller refused to do this and all but accused my brother of money laundering - infront of other customers. She did say that if he'd had his passbook with him there wouldn't have been a pr
  11. Hi, Me & my brother are swapping cars, both cars are the same year & relatively the same value. We are simply swapping as his car is an estate and better for my large dog and my car better for him as his daughter (my niece) can only drive automatics and mine happens to be an auto. I'm just confirming the taxation side of things. I pay DD monthly on my car (so kind of runs from month to month) whereas my brother has paid for the full year upfront on his car. His car tax is paid up till May 2019 I'm planning on doing the transfer of ownership/sale online via DVLA website
  12. Would a car parking company be in breach of GDPR if they passed over your details (as a registered keeper) to a debt collection agency, since the driver was the one who entered into the contract allowing them to do so, and not the registered keeper? Just a thought.
  13. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossessio
  14. Hi, I am using a template letter. Should it be addressed to Halifax PLC? Bank of Scotland Group Plc, something else? I am using address found in Bank of Scotland privacy policy pdf.
  15. If someone had a drink driving ban approximately 2 years ago and I don't have driving licence details is the anyway to check this out like for example MID?
  16. I have 2 credit cards, both with Capital One, (£1.500 and £500), which I had been paying my due fees to every month, until recently, as I moved out of the UK to my original EU country. For the first couple of months I still continued to pay however things are not going well here and I've found myself with no money to pay the monthly fees. So I started paying £5 each month per card. I want to continue doing so, as I think that would not make things worse for me if at least they see I want to continue paying even if it's just a small amount. I don't know if that makes any difference,
  17. Morning, sorry if this isn't in the right section, just need some advice. I am applying for my first ever passport tomorrow as I have booked an holiday for January, 6, 2019 as I am going to send of my form tomorrow at the Post Office with check and send and my foam contains pictures for my passport and other supporting documents. Does anyone know how long it takes? will I get it before January? Also, is it 100% that I will get a passport? or could I be refused one? as I never had a passport and I am also a British citizen as I was born in the UK. I am just w
  18. This concerns someone I know. They have been subject to bullying and victimisation by supervisor and line manager over a period of months. This was flagged up to department managers, who have recognised the issues. They have witnessed some of behaviours and others have reported incidents that have happened. Department Managers have now had half a dozen complaints about the behaviour of the supervisor and line manager concerned. The departments managers have said that unless my friend makes a formal complaint using the grievance procedures that exist, that they can't do anything
  19. Friend of mine had a limited company and his van is on finance in the name of the limited company. The V5 is in the name of the company but the insurance is in his personal name. I don't think there is anything wrong there as you can insure (with owners permission) a vehicle that does not belong to you. but - the ltd company is now dissolved, he is still paying the finance. How does he stand legally with regard the V5 being in the name of a dissolved company and the insurance in own name.
  20. I am asking generally as I can see things going this way if I'm honest. Embarrassingly I have been married around 13 months after a 6 year relationship and we bought a property Feb 2017. Mother in law provided £60K as gifted deposit (proof that it was non returnable) and Wife provided £100K that was gifted to her by her mother. We set the TR1 up as tenants in common 70% her way and 30% mine due to the fact that she provided roughly a third of the houses value upfront and then we went halves on the mortgage. We also setup with a solicitor that the first £100k of the sale of
  21. Hello a bit of a long shot but maybe someone on here has had a similar experience or is going through a similar issue! To cut a long story short, i have now left my civil service job, up until 2015 i was on the Classic pension scheme but then had to move to Alpha ( no choice because of my age at the time ) so 3 years. I will shortly receive my options letter, but having read on the civil service website i may be able to take my pension before age 55, i am 53. i aware i won't be able to take the Alpha part of the pension until i am 55 but it clearly states on the website that t
  22. Hi. As some of you may know, I'm having problems with my employer. Their latest "trick" was to call for a capability meeting (I have a "protected characteristic) So far, ok. I have no problem with that... We (Union Rep and I) went through. We discussed it, we all agreed on a slight amendment to my work. Basically, they agreed to curtail the amount I drive. The agreement was three days a week, I would be limited to under 200 mile, and I would agree that the other two days, I could do over that amount, but not over 300. The people there were: Head of HR. My Line M
  23. I had a fixed term loan between 2010 and 2012 which I paid off when I moved house. I sent a SAR as i wanted to check on the charges levied during this loan and have received all the documents back. The annual statement summary received during the loan only stated - Date of agreement - Duration of agreement - Amount of credit - Gross loan - Payment protection premium - Staement period They did not show the interest rate, balance of the loan or any payements made. Reading Section 77a of the consumer credit act. As they haven't shown those details then my understanding is that
  24. Recently I came across some old account numbers and decided to check if any might have had PPI on them and if I might be able to claim anything on them prior to the deadline next year. As I have no details other than the banks referance numbers I filled in the PPI Checker on the Halifax site where one of the account numbers was from. I few days passed and I got a text this morning from Halifax saying "Felix, Thank you for your PPI Complaint, We'll communicate with you via SMS during the course of your complaint" Now all I have done is check to see if I had PPI, I haven't made a
  25. In a country were you cannot say anything in case somebody find it objectionable, or offensive. Is the age of chivalry dead? and if so what has killed it off?
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