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About Me


  1. Im in England now but all this debt was created in Scotland, 7 defaults are from 2010/2011, originally the debt was £20k. I have been on 2 payment plans a DPP and a token payment plan through Step Change. After a long period of unemployment i had to sell my house to relocate for work. Im now in a position to clear my debt. I owe 7 different amounts which add up to £15,600. I want to know if its possible to negotiate a reduced settlement figure for each debt. I wanted to do this myself as Step Change seem to have wrong info regarding the amounts i o
  2. I have been in a good job for more than one year now. I have been renting privately. Now i'm about to go and see about getting a mortgage. I checked my free credit report and i have a new default on my account. This is because Barclaycard has passed the debt onto Link Financial. I originally had 2 defaulted accounts with Barclaycard from 2011 and all my defaults are gone from my credit history. One was passed to Link in March 2013, Link wrongly put a default on my account at that time in 2013, it took a long time before they removed it. Now the other Ba
  3. Today i received this letter from a different Solicitors. What action should i take if any guys? As always i really appreciate your wonderful assistance. link LOC.pdf
  4. British Gas owner Centrica says it will shed 4,000 jobs by 2020 as it announces a big fall in operating profit. The group said that it was chasing savings of £1.25bn per year by 2020 and that this would likely see a "reduction in like-for-like headcount of around 4,000" by the same year. Some 65% of of the savings will be in operating costs and around £350m will be in the consumer division, which will see "further digitisation". There will be a further 1,000 roles created by 2020 across three departments, however. The announcement came as the firm reported its full-year res
  5. 1 The date of infringement? 18/10/2017 2 Did you appeal to the parking company? Have you received a Notice To Keeper? No. Not through the post. There was a PCN style document left on the windscreen instructing to go to myparkingcharge.co.uk although it claimed 'This is not a PCN' 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) No 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever
  6. Hi all, I am after some thought and hopefully some pointers on my late payment charges with Studio. After getting myself in a pickle I am on reduced payments for a few things and most have frozen interest and waive any fees. Due to a zero hours contract I often have to pay my priority bills first. My payment to Studio is £5 a month and no interest is being added. As of today the Debt stand at £120. However i have noted that if I am late with a payment I get charged £12 which means that the debt doesn't go down and another 2 months is added to the payment plan. Say for
  7. Hi all, I need some advice regarding the world of car insurance & "no claims bonus" My Girlfriend was with Direct Line and should have about 6 years No Claims Bonus. Unfortunately due to a bit of financial difficulty, her Direct Debit failed with them & Direct Line cancelled the policy. This was 6mths ago, in that time frame the car was SORN her circumstances have changed and finances have come back on track, and she's has been told by Direct Line that due to the failed DD, Cancelled Policy and the 6mths lapse of insurance, they will only confirm 1 years NCB. My Q
  8. My temp job ended a couple of weeks ago. I was receiving Working Tax Credits, so I rang the HMRC helpline to inform them of my change of circumstances. They told me I would receive 4 more weeks of WTC and then it will stop. So I made a rapid reclaim. When asked if I was also receiving other benefits, I ticked yes ( I am not sure if that was the correct thing to do). Then I received a letter from the DWP confirming that my claim was accepted, by the amount is just over £40 a week. I assume it's because of the WTC. My question is: once my WTC runs out, is it just as simple as cal
  9. Hi - I have a car which is financed by TFC (the worst HP company ever, their staff are so arrogant). I just wanted to find out if anyone has managed to come to a reduce payment agreement with them. I have been trying for the last 2 1/2 years to have my monthly installments reduced, reason being is I have had to reduce my work hours for health reasons so have lost +/-£300/month. I have written, complained, phoned just about done flik-flaks in their offices and they are having none of it. Their response is we do not consider your situation to be a material change i
  10. Morning I was hoping someone could shed some light for me. We have recently been awarded via mandatory reconsideration high rate care for our daughter, we were already in receipt of low rate mobility so getting the disabled child premium on housing benefit and council tax benefit. I sent the housing office proof of the new DLA award just to keep them up to date and someone said they may add a severe disablement element to the benefit but I didn't really understand that. I did not expect the award to change much as I didn't think DLA for a child was regarded as income as such.
  11. Can anyone tell me what the law is on planning application time limits are? Do the council have to place a notice on the building that is the subject of the planning application and if so do they have to allow a certain amount of time between posting the notice and actually making a planning decision? Thanks in advance.
  12. I was at Court today as an observer, where I watched a case of a fine that had been given to the defendant last October for an offence that saw a fine and costs awarded. This was £300+ The defendant was unaware of the case and was found guilty in their absence. Again the defendant did not fill in the required MC100 form (financial means), they produced their signing on card and a letter from a prospective employer and these were then accepted as evidence of income. The person in question was stood in front of the bench and swore a Statutory Declaration (SD) this was accepted by
  13. Hi Just looking for some advice. I have a debt with Very. It's balance is £8500 although not sure why I'm assuming intereest and charges. The last few months I've been getting letters from ARC Europe asking me to contact them which I havent. Today I get another letter saying their client is willing to offer a very reduced settlement if I pay within 35 days. Is this normal. Why would they accept a reduced offer. Thanks
  14. I attended an interview in October with Argos for a temporary position but that's as far as it went. I have received a letter from the Department for Work & Pensions informing me that they are using information received regarding my income that has been given to the HM Revenue & Customs. The Department for Work & Pensions have reduced my JSA to £38.33 as they claim I am receiving on average £39.07 per week from my employment with Argos I have never worked for Argos paid or unpaid so I rang the DWP to see what was going on. They told me to either get a letter from Argos co
  15. I was taken to a room for questioning, upon leaving a departmental store, for allegations of shoplifting. I had picked up several cosmetic tester samples from the stands, as often (for products apart from foundations), the staff do not give you free samples and it is difficult to get an accuracy of colour matching in lighting outside the store. I wish to emphasise that these were all tester products - they had been used already/ were not brand new. Some were also smaller than the standard product size. So it wouldn't be fair to equate them to the price of a brand new, full-size pro
  16. I emailed Next and Isme with a list of my income and outgoings and asked them to accept a reduced payment of £36 a month. I explained that I only have Carer's Allowance and Income Support totalling £72 a week. I have £18 a week left so I offered both catalogues half of this. Isme not replied yet but Next have refused my offer but said they will accept £54 a month with no interest or charges. Can anyone please advise me on how to respond as I cannot afford more than £36 a month?
  17. Hi, I have done some research and have previously reclaimed charges and PPI i just wanted to confirm with others the process should follow. I wanted to avoid admitting tyne debt as 2 are just 12 months from being statute barred, so can i address letters "without predjudice"??? so as to not restart the period for the debts becoming statute barred? And any tips anyone may have for settling debts at a reduced rate. So my process i am think i should follow: 1 write to CRA(experian, equiFax) to find any company claiming debt 2 write to companies asking for true original o
  18. My girlfriends mother went to the dentist. At the end, she asked if she would be entitled to the reduced payment for being on benefits. She was told by the dentist that she didn't have to pay, and instead had to fill out a form and send it off. (Apparently this is not usually how it works, she is supposed to pay up front then claim back?) She has now received a Penalty Charge Notice for incorrectly claiming for the reduced amount, even though they also mentioned in their letter to her that they cannot confirm if she is illegible or not. My girlfriend sent them a letter di
  19. I am finally getting my bottom into gear and paying of my debts (hence the many posts I have already posted or will post) I owe a company call Credit Solutions £170.93 If I am to call them up and say I am willing to pay off my debt right away but I want it reduced will they do it ? I am thinking of trying to get them down to half of what my debt is worth. They did write to me a few months back to pay of my debt at a reduced rate but I was not in a financial position to do it, So I know it is an option. Has anyone tried this ? Has it worked ?
  20. I am an agency worker on a Swedish Derogation arrangement and as such I have a contract of employment. My contract of employment states my pay is £10.24 per hour, however I was given a pay rise a few months ago increasing it to £10.48 per hour, the contract of employment was not updated and still states the old £10.24 per hour rate. On 4th Feb 2014 I was advised verbally that my pay would reduce to £10.00 per hour and this would be effective week commencing 10th Feb 2014, they said a new contract page would follow. When I said I was not happy and asked what my options were they said bas
  21. Hello Can my employer change the hours on my contract to suit themselves. Have been informed that if we dont work overtime our hrs will be changed from 7.45-4.45 to 7am to 4.45. The contract says we must do a reasonable amount of overtime to suit the buisness. Thanks in advance
  22. First of all hello,this is my first post having been a long time lurker. My question is how do i go about asking barclaycard to reduce my payments, i am currently experiencing financial difficulties at the moment due to a drop in income, am i best to ask directly over the phone or is it better to put everything in writing. my wife returns to full time work in september so this should only be a short term problem do i need to ask for a six month timescale ? thanks in advance
  23. I am planning "reduced fines day" in London when the weather gets better in a couple of months. How it works - based on the idea "Meter maids" in Australia where the meter is topped up before ticket expiry. I only have a mate to help so far but this WILL go ahead whether I stand alone and do it myself in a street for a day. The object is to cut the councils' revenue by stopping the traffic wardens issuing fines to unsuspecting motorist who are slightly late back to their car or unaware they've parked in the wrong location. Anyone who pulls up in the street will be advised they have parked wron
  24. Hi I was wondering if anyone had come across this situation before. Can I claim Sickness Benefit without it affecting my Reduced Earnings Allowance, payable through my Industrial Injuries Benefit ? I've tried looking all over the web for info but come up blank. I know I could claim this new EAS benefit but can't find anything about it affecting Sickness Benefit. For that past few years I've been told I can't claim either being self-employed,but now my condition has increased to the stage I may now have to give up Self Employment all together.
  25. Hi. I have received a court claim from Link, for an old MBNA account. Ages ago I asked to see a copy of my credit agreement etc and they sent me, after months of waiting, a crappy photocopy of something which says credit agreement on it. They also sent me a letter stating they are charging me £102 for litigation fees, which they are required to do by law. I guess as they have 'proved' the debt then I would be wasting my time trying to argue with them?
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