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  1. Has anyone dealt with debt collectors and had success in reducing the interest / charges removed to pay for the actual debt. If you have I could really do with some help as have some bad old debts that just keep resurfacing and now need to face up to them and arrange to settle to become debt free. Any help would be really appreciated.
  2. Hi We started renting a beautiful home in December. We pay £1,800 a month for the house which is a hell of a lot of money. We have had a letter saying building works begin on a patch of land next to our garden next week and the foundations mean they will have to take down our fence and work in our garden! We both work from home which will be impossible with the noise. We also have a dog who will go berserk at the builders in the garden and she wont be able to go outside. We are absolutely gutted that our dream home has become such a nightmare and we will not be able to us
  3. A few days ago I completed a few transaction over LocalBitcoins.com to a buyer named Muumbis (currently blocked) who seemed to be a trusted user, had good feedback and 2 months of multiple transactions. The buyer sent me the funds through a PayPal transfer, and then I proceeded to send/release the bitcoins to his account once the money hit my account. These transactions were very profitable to me, amounting to about 40% of profit over the then exchange price of bitcoin. Only after 6 PayPal transactions amounting to a total of around £11000, I noticed that the person’s details included i
  4. About two months ago I closed a Halifax current account. I held the account for five years but never used it at all. My credit report has now reduced my credit rating from good to very poor due to closing the Halifax current account. I am completely confused and puzzled. Can anyone explain how this comes about please?
  5. Hi would be grateful for some advice on this please, if someone is asked to move workplace to somewhere further away are they expected to be financially penalized for this? I.E somebody i know has been told they have to move workplace because its within a certain distance from their current workplace this will mean they will be paying out as much as £40 a week to make this journey which to me is a wage cut, is this right?
  6. I have applied for boiler grant through one of the big 6 energy companies. The subcontractor called and told me I can have boiler and installation if I contribute few hundreds of pounds, reduced from around £2000. Then I have applied through [removed] again - as first company didn't want to tell me what boiler exactly will I be getting. Not even output power... [removed] told me that I'm not eligible for grant at all as my current boiler is too effective [above 86%, but leaking]. I met all other conditions. I don't know what to think now. Is first subcontr
  7. Hello folks - grateful to anyone who can help with this. My wife has worked in the same organisation for the last four years. She has had four separate one-year contracts during this time. Her contracted hours have varied slightly from contract to contract, but for the last two (one-year) contracts has had 19 per week. She was told a few weeks ago that, due to the fact she's been there for four years, she is being put onto a permanent contract. The permanent contract however offers three fewer hours per week than she currently works, even though they will expect her to work the sa
  8. I have monitored this CAG forum for many years and since the introduction of the Taking Control of Goods Regulations almost exactly one year ago it is clear that the level of forum posts has dropped dramatically. I would also suggest that the seriousness of the forum posts has reduced even further with many just asking what to do after receiving the NOE or questioning other forum guidance. All in all a positive thing for the enforcement industry as whole wouldn't you agree?
  9. letter today from Lowell offering reduction on an old catalogue debt, they said it is equivalent to charges and interest previously applied. do I accept?
  10. Hi does anyone know what the regulations are in regards to making payments off a council tax reduction over payment while waiting for an appeal? Thanks
  11. I ordered 2 x 3 seater settes and a chair from Harvey December 29th and was told delivery would be in 12 weeks. The cost was £2250. In the middle of January the shop rang me to say that they had ordered the wrong colour and the wrong material. They gave me a choice of having the suite they had ordered, cancelling with a refund of the deposit I had paid or doing a new order, we chose to do another order and after having to ask for it, shortly after, were given a reduction of £180 from the final bill which is payable just prior to delivery. We were told that the new order would be with us
  12. Over the last few weeks I have been ill and therefore unable to collect mail from the address that I have registered for post. Also, at some point in time, the place was closed for 2 weeks for refurbishment, during which time it was not possible to collect post, though I can't remember when. On checking my bank account this past Tuesday, I noticed a reduction in my benefit, from £214.70 to a meagre £69.90. I have only just recently (literally had to force myself!), collected the post and I find 2 letters from DWP saying that as I failed to attend work-related intervi
  13. after all the "hoo ha" with bg price reduction checked my online account, im not getting it but I can get it if I opt in to a further 12 month contract and make myself liable to a charge of £30 per service if I wish to switch , so the question arises "when is a price reduction not a price reduction" ? and is this a falsehood that they are putting about
  14. Manager reduced a birthday cake to £1.20, it had a price sticker and relevant barcode sticker added to it. At the checkout a rather officious food hall assistant walked past, looked at the cake and said ''I have just reduced that and it was £6.50, no way would we reduce it to £1.20. She then picked it up, fumbled with the stickers, checked the barcode, muttered under her breathe and said ''I'm not putting up with this'' assistant stood there looking so smug and self satisfied, I had to resist the urge to slap her. The lady behind me in the queue suggested
  15. Hello, first timer here. I'm getting repeated calls from a company called 'Commercial Reduction Services'. Their story is that the govenment has recently passed a law that allows utility companies to auto-renew contracts and put the prices up at the same time. They wanted me to sign an electronic document (an LOA) which would get me out of this. I delete these when they send them. Having been fast-talked by a utility broker when I set up my business I've learnt the hard way not to agree to anything offered by door-to-door or telephone sales people,
  16. Hi There, As with many I made a few mistakes and got into the PDL spiral!!!!!! I'm now trying to get out of it. I'm starting by contacting (via email) any company I've had a PDL with to set up a repayment plan (on my terms not theirs). Am I right in thinking I can ask them to set up the plan for the amount of loan + 1 months interest only?
  17. We have various debts that have been in different states of long-term default, being paid under small monthly arrangement payments to DCAs. We now have a sum of money available, nothing like the totals owed, but I have heard you can good discounts off bad debts to settle and it would presumably help my credit file somewhat in the long run to have them declared satisfied. My question is this - what are the best ways to approach DCAs (or the original lenders) in this situation? What should one say? I've thought of some ruses like saying "oh, I'm facing bankruptcy anyway and you wo
  18. I wonder if any of you can help me, I have substantial council tax arrears, they were incurred when I had periods of unemployment. I now have a permanent contract albeit part time and low income. I applied for council tax reduction and have had an email saying that I don't qualify, does nyone know how to appeal, its all very new. I have one dependent child and a son who is an apprentice, it clearly says on the local authority website that apprentices qualify for council tax reduction of 25%. Is there a template and does anyone know how to apply for a discretionary payment? as I
  19. Just when you're beginning to feel as if you're getting somewhere! Received a letter today from my council advising that my HB/CT Reduction claim has been suspended because my period of JSA (Contribution Based) ended today and JSA (Income Based) kicks in as from tomorrow. I have not yet been given any indication from DWP how much that will be ..... but it will be reduced due to small private pension payment. This means that I will be unable to pay my rent/CT at the end of the month, causing severe financial hardship and even more stress ............. No, I'm not going to tea
  20. Hi Everyone, My mother has just received a 'Council Tax Reduction' letter, she's retired, in her Mid 70's, living alone, with no savings in a council house, and receiving Pension Credit Guarantee, Carers Allowance and Attendance Allowance. The wording of the letter goes.... You do not have to contact us because any council tax reduction entitlement has already been applied to your council tax account and you will have already received your bill with any reduction applied. She's under the impression that she's now around £20 worst off each week due to this 'Reduction' . So my
  21. I wasn't sure where this belongs,I'm sure it can be moved if need be, As all those who have been claiming Council Tax benefit from their Local Authority will know that as of April 13, the majority of LA's in the UK will no longer be paying council Tax Benefit, This is because of Government cuts to LA's in part, Those LA's who are still paying council tax benefit to their residents who qualify are now a minority,The rest of LA's are demanding payment of 20%+ of the council tax bill, as their reduction scheme leaves this shortfall meaning that the claimant is now liable for council tax
  22. hi there and thanks in advance for any help i work 37.5 hours per week and was called into a meeting last week regarding a change to my hours to 34.5 per week. i was also offered a 20 p per hour pay rise as a kind of softner to loosing these hours, Not a problem but asked if i could have there proposal in writing, Now today i have recieved a letter from my company saying that my hours will be changing to 34.5 hours but there is no mention of my new salary or the pay rise.due to the needs of the buisness blah blah etc. We were tuped over last august so oviously its just a
  23. good afternoon i have a question; i am currently on a 90 consultation for redundancy and have been informed i have to look productive otherwide my salary will be reduced? Is this legal?
  24. http://www.dailymail.co.uk/money/cars/article-2217224/Motorists-save-13-premiums-car-insurers-court-victory-legal-fees.html
  25. Hey all, Currently I have a Bank Of Scotland Credit card. I have been paying the balance in full each month and then using the full balance to pay off other debts. Which are nearly paid off, however the bank recently reduced my credit limit and after numerous phone calls has not restored the limit. The problem is that they reduced it below the original limit while the card was charged above it. The limit is only £150 by my own choice and yet although the card was at 147 when they reduced the limit, they still continued do so anyway. Causing me arrears. I was wondering if it is i
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