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About Me


  1. Hi everyone, a quick question, do I need a TV license to watch old programmes through a freesat box ? My wife watches a couple of American cookery programmes made years ago, these obviously cant be "live" and they are broadcast by foreign channels via satellite. Surely the BBC dont have the right to make me pay for pre-recorded programmes not made or broadcast by them ?
  2. Hi all, I recently had an episode where a customer services manager definitely sniggered when I asked for compensation for being on hold for over 30 minutes to resolve a very simple issue. I called her on it and complained and today, after four chase-up emails to the person 'dealing' with the complaint, got the following response to my asking if the person replying to me had actually listened to the phone call in question as opposed just taking the manager's word that she had not sniggered (as she had alluded to): I’m afraid we’re unable to listen to the call you had with Ra
  3. Hi there, Yesterday I received a letter from Lowell & 118 (together in one envelope) that Lowell are now the new owners of a 12 month unsecured loan I stopped paying in November 2015. During this period I also defaulted on 4 loans with 4 different payday companies however by now I have taken care of all but this one. I fully intend to take care of the last of my mess which rules out the PROVE IT route but there are a few stumbling blocks before I can do so. After checking my credit report I notice a second default has been placed on my account. How do I go about getting this
  4. Hi all, My property was repossessed I was able to raise funds to pay off the balance on my mortgage before it was sold, and got it back. The whole process took a couple of months by which time the default was already showing on my credit file (The default was in fact reported to the CRAs almost immediately; I know this because I checked). Can I get the default removed? I am aware that technically, it should remain for 6 years, is there any likelihood of the lender waving this since I came up with the funds rather quickly after the repossession. Being a large
  5. Earlier today I was trying on clothes in Primark when for some reason I decided I would try and steal one of the six items I was going to buy . I was wearing Primark trousers anyway, I thought I could get away with just swapping my old Primark trousers with a new pair I wanted while in the changing rooms. The trousers I wanted only cost 5 pounds, and I am not skint, so I have no idea why I thought this was a good idea. as I was leaving the changing rooms and they came to check the number of clothes on hangers was the same number I came in with, they somehow realised that th
  6. Location : Sandy Park Stadium, Exeter The penalty notice states that it was parked in a manner whereby the driver became liable for a parking charge. The notice states date was 02/04/2018 entry time 17:59 and exit time 19:31 total duration 01:32. Charge £80. The access road is shared to gym and Exeter chiefs Sandy Park stadium. It shows car leaving (doesn’t appear to be in car park itself) and shows car where I pulled up to pick him up (which arguably is adjacent to gym and in front of stadium but not in any parking bays itself) My husband entered the site at 17:59 to
  7. Hi could someone help please? OH has had one of his accounts changed to delinquent on his credit file which will effect him for 6 years. The account is for an overdraft on an account he switched. Has been in contact with them the whole time as he has started a new business and been waiting for invoices to be paid. He tried to pay in full over the phone this month but was refused due to the account being closed/frozen. He had to go in branch and pay by cash but could only draw out half from the ATM so this caused more delays to payment. The payment status on his credit f
  8. While I was out yesterday, the post was delivered and on arriving back I noticed that one of the letters was a recorded delivery requiring a signature and was not sealed. What should I do and what is likely to be the result..
  9. Sent RD two days ago and as yet has failed to show up on line as signed for..
  10. I'm aware that this is a really old chestnut so I apologise in advance. If the last payment in an unsecured loan was in June 2008. Then the account was closed by the bank in October 2008 (I had no and at all in the account being closed). Can someone confirm that the Cause of Action was one month after the last payment and NOT when the account was closed? Replies very much appreciated and any evidence or examples to prove the above would be fantastic. M...
  11. Dear all. My tenant are asking me to repair the rear fence. However, because of the different configuration of the garden behind us, our rear fence is actually the neighbour’s left hand fence. If this is the case, then are we still definitely responsible for this fence? The deeds do not say whose fence it is! Does anybody have any ideas please?
  12. hi all - general question on behalf of a colleague - if a settlement out of court is achieved directly with TOC are there any trace records that police / imigration this could surface up on please? i read somewhere that even if you settle, whilst no criminal record surfaces, there are other more detailed checks (Enhanced CBA) that may still pick this up? personally i am not at all convinced as the only record would be on the TOC DBase and the matter being settle financially suggests any record would be more akin to a Penatly Fine than anything more serious. views? thank you in ad
  13. This looks horrendous. http://www.croydonadvertiser.co.uk/Bailiff-inadvertantly-recorded-attacking-woman/story-26657418-detail/story.html
  14. Hiya, apologies if I've posted this in the wrong area, but I've got to say thanks for all your help in trying to sort out my mess. I've a new question, I've a CCJ, which involved a Natwest bank lodging a claim for an amount against my house with the Land Registry. I intend selling my house, when the Bank takes the charge from what's left after paying back the mortgage, there won't be much left. Is it possible to negotiate with the Bank at this stage to try and reduce the claim against my property? Many thanks.
  15. Sent a letter to DVLA containing V5C form after selling my car, via first class recorded sign for on the 18th June. Checked the on-line RM tracking system yesterday which stated item still with Post Office and in system ? Spoke to DVLA and confirmed not received. So I complained to Royal Mail customer services and received a response today. Basically they are apologising for the error and requested that I keep checking and if not received within 15 working days, they say that I can submit a delayed inland claim form ? They also again apologise that they are sorry that they
  16. Hi. I had a local council PCN today. I have seen on Google all the technicalities one can get a ticket cancelled with, but everything seems to be in order, street name, reg etc, except, my last tax disc is still in the holder and is 7 months out of date, (the car is taxed!), but the number of the disc and expiry date of 30/09/14 are recorded on the PCN. Is this a valid technicality to get the ticket cancelled do we think ? I haven't removed the old disc because I don't have to, but in effect the PCN is incorrect. Thanks, all !
  17. Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to re
  18. Any ideas how a recording my daughter took of assessment could be used for appeal/reconsideration scored zero points. Am awaiting report to arrive.
  19. At my wits end with Santander. Back in early 2012 a transaction was processed on my account out of hours by my local branch. £200 was withdrawn manually this was not authorized by myself. After noticing my balance had been taken into the red, i contacted the bank who said go into branch to resolve, i attempted this three times and waited over 30 mins each time. In April 2012 after numerous collection calls and each advisor being told read the notes this is your error so please don't call again a default was registered on my credit file. Once this default was reg
  20. Hi, Does anyone know if it's a legal requirement to inform a company that you are calling that you are recording the conversation.
  21. Today I attended my local council office to discuss non payment of council tax over two years. I am currently paying £25 a month for this years tax but the sum of just under £1000 has a 'Liability order' against it. This is being collected by Pheonix Commerical Collections who have informed me tomorrow they will attending my property to seize goods. During my visit to the council I asked them that as the debt is owed to themselves then I wish to pay them directly and not to PCC. This was refused. I then asked the council employee if I he would set up a payment plan as I wish to
  22. Hello everyone I’m hoping for some general opinions and advice I work in a busy public service centre that administers advice and benefits to clients. I think you have guessed ?. Just recently, I phoned a customer because I had not received an important document that should have delivered to me. From the start of the call, he kept interrupting which did not allow me to fully explain the problem. I said to him that ‘he was not allowing me to get a word in edgeways’. I was not rude. He kept dominating the phone call and about 3 minutes into the call, he declared that he
  23. Hi, I am looking to speak with Lee of Vodafone as he seems to be the guy who can help me in a situation such as this. I had a very large bill in January last year (2012) and consequently ended up 3 months in arrears. I set up a payment plan of 330 per month and this is evidenced on my credit report as AP for April, May & June. For some reason however my credit report shows me going from 3 months in arrears to 3 months in AP and suddenly to 6 months late in July and defaulted in August then satisfied in September. I have bank statements that show I have paid th
  24. A close family member was driving her car on a roundabout when a cyclist left the pavement attempting to reach the roundabout itself, ie not joining the traffic but crossing it and collided with her car (he was fine, luckily).It was caught on CCTV by a house on the roundabout and several police cars arrived, two of which were traffic vehicles and the rest local police vehicles. The traffic officers went into the house, watched the CCTV and told us it absolutely wasn't her fault and she had nothing to worry about, the cyclist had inexplicably cycled directly into her path. There was some
  25. I 'm overdue a large refund from travel agent.I have sent emails(they responded to 1 email assuring of refund) and made several phone calls.It has been 3 months Given this is a unreasonable time i now wish to pursue thru small claims court. Do i still have to send them letter by recorded delivery giving them a 10 day limit?
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