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  1. If you have had a success against any of the PPC's then post a link to your thread here.
  2. I wanted to report a success against UKPS that started in Dec 2018 and was concluded today. I did do a bit of reading through this site for guidance though so thanks for that! in Dec 2018 a family member reversed onto a private road in Coventry and waited about 1 minute or so to collect their partner. Meanwhile the owner was loitering and waiting to catch anyone on his land with photos. 2 photos were taken about 40 seconds apart. With my help I disputed the charge stating that the driver had not "parked" but had only stopped momentarily to pick up a passenger. I did no
  3. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  4. I am struggling with the local letting agencies, I am disabled and I do not wish to divulge this fact to the letting agency, this is my own personal right and I shouldn't have to let this fact be known to anyone should I so chose but I am facing discrimination and other problems due to their policies. I already know that I will fail a credit and employment check, but I have through some luck managed to borrow enough money to pay for an entire six months tenancy, including letting agency fees and the landlords deposit in advance, this means they will be
  5. My OH has a repayment plan with this lot and continues to get reduced offer request letters on a monthly basis. a recent payment was missed due to a banking error she received an e-mail (they do not have our phone details as refused this in writing) from 1st Credit advising and that she was to contact them to reset payment plan. She made an on-line payment and sent an e-mail advising this and that all will be in order going forward. Today she has received another e-mail confirming that arrangement as been reset and she will receive a letter to confirm this. They are
  6. Hi all, 1) With my last claim for JSA you didn'tt have to allow the DWP access to a UJM account. Is this still the case? 2) Does UC also replace HB? 3) Overall is the net money lower with UC (I'm guessing so). Thanks all, JB
  7. So due to the news that has came out about the DWP underpaying claimants it looks I have been identified as one of these people and got a letter last week from the DWP. This letter required me to fill in a ESA3 form, and I have as a result of that information had to send in bank statements for the entire 4 years identified but I was told over the phone if I Cannot do for the full 4 years just to send what I can, since I feel they only need to see from the point I got my DLA lump sum, I sent from the few weeks before that to the end of the period so from 2014 to 2016, but the period covere
  8. Apologies if this is the wrong area. I'm having difficulties with my mobile phone provider. I was on one of the major operators and have moved to another provider because they told me they piggyback onto that provider so the service would be the same and can save me some money as a new customer. The problem is its really shoddy and now the company I've moved to wont let me out of the agreement without paying up until the end of the agreement. Every time I complain about the service and say its not as good as it was when I was with the main provider they come up with the new
  9. My husband passed away about 2mnts ago trying hard to deal with this. He had a rbs credit card with less than 2 k outstanding ive had an assets and liability form to fill wanting to know if he had any vehicles owned his own home life assurance jewelry ect and the value of each it also asked how much I paid for the funeral ect and requests for copy's of bank statements funeral bill and all other outstanding loans or credit card debt im finding this a bit intrusive do I really need to tell them and prove how much I paid for his funeral ect thanks
  10. Hi Guys, Firstly, great site and specifically great advice within the MoneyBarn section. I currently have a 60 month agreement with them on a 2012 Insignia. I have been given the option to have a company car and intend to accept this. However it leaves me with the issue of getting out of the Moneybarn finance agreement. I have spoken to them today and they have informed me that I have two options; - Early Settlement - £6,720.09 to pay and I'll own the car - Voluntary Termination - £2,237.20 to pay + any extra's them deem to be outside of general W&T etc. Having r
  11. Hi, I have loads of questions about employment tribunals as I am representing myself in one for discrimination. Can anyone help with my first (and certainly not last) question? If I represent myself, am I obliged to be cross-examined by the respondent? If not, what are the pros and cons?
  12. My husband passed away a few week ago not done anything financial except cancel a few direct debits His yearly pension forecast came today so I phoned them they asked who I banked with they then offered to inform the Halifax on my behalf as they were part of the same company (I said no) The Halifax account is a joint account I am the Main Account holder Will they freeze /close the account when i inform them this is my main account ? My husband has 2 halifax credit cards both up to date with payment dont want to stop payment incase they take the money i have in the
  13. Hi, Just a couple of questions regarding capability hearings, as currently employer has implemented a stage 1 meeting. 1, They have to give two working days notice, when does it start? For example, I receive a letter on Saturday which was dated on the Friday for a meeting on Tuesday, is that right, if 2 working days surely the meeting would be Wednesday at the earliest or is it not full working days? 2, If signed off during week where meeting is can employer demand you attend the meeting? Thanks.
  14. 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
  15. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  16. Hello Just a few questions please if somebody is able to help. 1. What are the rules around Income? is there a maximum amount of income that if you are earning you cannot claim Universal Credit? 2. what does subject to immigration control mean? how or who do i check that with? can someone please explain "habitual residence" and "right to reside" in basic english 3. what happens to benefits like esa or housing benefit or tax credits when i claim universal credit? do they stop as soon as i make the claim or am i sent a letter telling me when they will stop and they continu
  17. hello all - need a bit of advice before proceeding This might seem more complex than it actually is, so please bear with me. after a long haul, I have had my PPI complaint upheld by the RBS. So far, so good. They have made me an offer and then gone on to explain that I won't be getting some of it due to a succesful claim made against the PPI. Then it gets a little complicated. I have all my DSAR documentation, and have been going through it prior and post claim. The copy statments show insurance amounts hitting the account to cover the loan payments, but
  18. There is an interesting article in The Times Business section today about a possible debt bubble within the Debt Collection Agencies. Seems ironic! Search, using your favourite search engine, - The Times with "Questions are growing about a possible bubble in the debt industry" It claims financial experts are worried about the expansion of the debt purchasing industry is creating a bubble that will soon burst. They say that most of these 'toxic' debts have scant paperwork; time barred or belong to the poorest sections of our society. Therefore, they will find realising these pote
  19. Hello, I wondered if any other poster on the Barclaycard forum has been able to obtain copies of their original application form and statements dated before 1996 using the DSAR method? Did you have to take as it as far as small claims court or the ICO to get the info? Also, does anyone know if Barclaycard used a shorter 9 digit account number in the early 1980's before they extended it to 16 digits? Thanks very much to anyone who can help
  20. I bought a sink from an online retailer who told me that it would be delivered direct from the manufacturer, not a problem. The sink was received on the 17th May was opened and checked on the 18th. On close inspection there were scratches on it that would have noticed so emailed the retailer on the 18th May to reject it as damaged. 19th may they asked whether I wanted a refund or replacement - in the middle of a kitchen fit so had to but a replacement locally - said I wanted a refund. 20th May - images of damage requested. These were sent and acknowledged on the 22nd May. 23rd Ma
  21. Hello all, I was hoping someone here can help me regarding this issue. I took out a loan in 2011 with a Credit Union in Scotland. They have defaulted my credit file with the wrong info, including amount, default date and address. I've had both the ICO and FOS involved in this matter and am now tearing my hair out to get it resolved. A high level timeline of events: In August, I contacted the CU about the default and they gave no indication that this would happen. It was also not reported for 4 years after the fact. In September, I paid outstanding amo
  22. I'm hoping you guys can help as you have done in the past. I received a parking ticket after falling asleep in a motorway services station from ParkingEye. I followed general advice and ignored the ticket (the car is actually registered in my wife's name). They are now pursuing me (my wife) via the courts and I'd like to ask a few questions. I had initially intended to file a defence as many threads suggested that these cases are often thrown out with a robust defence. I received the service on March 28. The letter said that the date of service was deemed to
  23. Hi guys. After scanning through a few similar posts I thought it would be clearer to understand if I posted my own thread hi-lighting my own concerns specifically. Hope that's ok? I'll give an explanation of my situation then submit my questions. About 7 years ago I had a few outstanding debts on various overdrafts and c/cards etc. My wife and I owed around £4'500 in total. Nothing to get to worked up about. My wife and I seperated though and after a clean and simple divorce I was left trying to float the home finances alone. Living on half of our former income, thin
  24. Last week I informed the dwp that I had moved in with my partner. they sent me an ESA3 10/14 form to fillout which I think just assesses financial eligability for the benefit. I know that due to my partners income and savings I will lose all benefit. The form is a bit confusing and I cannot get through to the DWP to speak to them as they are always busy even if I wait an hour on the phone. My queries are these: 1. It asks me if my partner agrees to my making this claim? My partner knows he has to give his details but isn't happy about giving his savings information and so on. He
  25. Hello, I am posting here to see if I can get some advice regarding employment and support allowance. My history is that I currently recieve ESA in the support group and have been on this benefit for four years now with 3 reassessments including my first in 2012. Twice I was placed in the support group after a WCA but after my second assessment I was initially told over the phone I would not get any benefit. I asked the DWP on that call to reconsider and about an hour later they called back telling me I was again in the support group. I am now waiting to find out about my next assessment
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