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About Me


Found 24 results

  1. I am currently in dispute with a builder over a patio - there have been several attempts to remedy the situation over the past 12 months the patio has been re-laid but there are still significant issues. Last time the builder was on site I unfortunately swore about the situation not directed at the builder. The builder became very aggressive and intimidating - shouting and swearing at me. I asked him to leave the house and he continued. Fortunately, at this point my wife came home with my daughters and she could hear the builder shouting from outside the house.
  2. This seemed like the best forum for this question, mods please move it if it should be somewhere else. Fraudsters obtained access to a friend of mine's online bank accounts and stole a lot of money. They did it by first stealing her mobile phone number. They submitted a fake PAC request to my friend's mobile phone provider and managed to convince them they were her. They then moved my friends mobile number to a different mobile provider, then managed to gain access to the online bank accounts and reset passwords. The bank sent verification codes to my friend's mobile
  3. Not sure if this is the correct section to post in,but could only find this to be the nearest to my question.Mods,please move it if needed. Basically,the workers rejected the company pay offer,and were balloted for industrial action.The management imposed the wage rise and included it in each persons wage this week,going against Union protocol. I have a copy of the companys financial report covering the last 5 years.Would it be illegal to put this report in the union cabinet/notice board?.Would a data protection breach happen?.
  4. Hi I have the same problem with Argos, bought Hart of House Salsbury tan sofas, 100% "top"quality italian leather, delivered in december 2015, so only 15 months old. One of them blistered and peeled off on back rest, They sent castelan and told me that report proves that it is not manufacturing fault, I asked them to explain what the test was and this is what they said : " In simple terms, a rub test is the application of heat on the fabric (in this case leather), to check the prominence of natural oils (headoil) in the fabric/material. The lack of these oil can ca
  5. Hi We are currently in dispute with a builder. We have taken all appropriate pre-court action steps and are now at the point of submitting an N1 form to kick off a claim. Could someone tell me if any supporting evidence is supposed to be enclosed with this claim form? Or will this be requested later? We have quite a file of letters and expert reports and we are not sure at what point these come into play. Also, (maybe a silly question but I want to do this right). If there is not enough form for the particulars of the claim in the space provided,
  6. ThePain

    ATOS reports

    Morning has anybody used passed ATOS reports in present ATOS medical's I have medical in few days and was wondering if it would help if I took my past medical reports from ATOS to my next medical They are all positive Ca
  7. Many regular posters might be interested in reading up on the latest benefit fraud and error reports issued (11/15) for the years 2014/15 by type and date you can follow this here >> https://tinyurl.com/j36owu3 or here https://www.gov.uk/government/statistics/fraud-and-error-in-the-benefit-system-financial-year-201415-estimates Final estimates of total overpayments and underpayments across the benefit system in financial year 2014/15. This report provides estimates of fraud and error levels in the benefit system in Great Britain for the financial year 20
  8. Appologies if I have asked this previously ... I am living in SE Asia and now wish to take out a small loan as we need work done on the home. The company that I have applied with is a big multi national company with offices in most major cities throughout the world and have applied through the local outlet. (The company is not attached to any UK bank, it is a mega American company located in SE Asia) Having a really bad credit record in the UK due to my thieving and obnoxious ex partner (now deceased) I finished up with a lot of debt on Credit Cards, Bank Overdrafts and one loan
  9. Under section 68.1 of Schedule 12 of the Tribunal Courts & Enforcement Act 2007 it is a very serious offence to obstruct a bailiff. Last week yet another debtor was found guilty of this offence but even more seriously, he was also found guilty of assaulting the bailiff (the bailiff required stitches to his nose). The debt was in relation to an unpaid penalty charge notice. Bailiffs attended the debtors property to request £422. It would seem that previous visits had also been made and on one of the visits, he had sworn at the bailiff before driving off. It was on the 4th visit
  10. It is difficult to believe that the BBC, which once was held in great respect as a truthful recorder of world events, is now a biased corrupt service dedicated to the manipulation of public opinion. Yet the official reporting of the migrant crisis is so obviously a biased form of emotional blackmail that one simply cannot avoid this conclusion. The BBC constantly shows us close-ups of migrant women and children, yet every time the camera moves back it becomes obvious that about 85% of each and every group consists of young males, who appear surprisingly well fed and w
  11. Hi all, I am in need to obtain copies of many credit reports i have bought, using equifax. Over 5 years i was subscribed to them and nearly every month i was getting a copy of my report. The subscription i was paying stopped last month due to me not updating my card details. They tell me as soon as the subscription get cancelled, all copies of my credit reports in their archive gets deleted! I am in desperate need for these, which will show searches on my file and changes in my credit file. One part i am actually heading for is a time when a creditor (which i defaulted on) remov
  12. Hi Back for a little more excellent help and advice. I am an ex-pat who requires a Credit Report from both Experian and Equifax but as I have no bank account in the UK I am unable to obtain the report. I have no family left in the UK and most of my former friends have now disappeared therefore unable to obtain a £2 PO and my current bank no longer issues cheques. The other problem is when I try to do this on line it requests a UK address which obviously I do not have. I contacted one CRA who say that all I need to do is send a £2 PO, but when I inform then of the problem a
  13. A husband went to the police station to report that his wife was missing. Husband. My wife is missing, she went shopping this morning and hasn't, come back yet. Inspector....can you describe her...what is her height. Husband... No idea Inspector...slim or healthy. Husband...Not slim so probably healthy. Inspector....colour of her eyes Husband...never really noticed Inspector....colour of her hair. Husband....Changes according to the season Inspector ....what was she wearing . Husband...not sure probably trousers and top or a dress.
  14. I received a letter from Bryan Carter stating court proceedings will be issued on the 10th March 2014 - Obviously panicked but luckily found this site. I have looked up my credit report and Noodle shows a default notice for 17 April 2008 - this I believe is wrong as im sure i ceased payments (personal reasons etc) before this. However, Equifax shows no default notice - how can one credit report show one thing and another something else? Very confusing. Which one is correct? This would mean (i think) its Statute barred and thanks to this site have downloaded tem
  15. Article in today's Guardian http://www.guardian.co.uk/society/2013/jul/22/disabled-benefits-claimants-test-atos
  16. The Financial Conduct Authority has admitted it does not track whether further regulatory action is taken when whistleblowing reports are handed over to other internal departments. A freedom of information request, submitted by Money Marketing, reveals the FSA’s whistleblowing team received 4,063 tip-offs between 1 April 2012 and 31 March 2013, up 13 per cent from 3,600 the previous year. When asked to provide the number of whistleblowing reports received in 2012/13 that resulted in enforcement action, the regulator was unable to do so. The FoI reveals the FSA did not record what happened
  17. Hi all I'm looking for advice on defaults / credit reports / scores as I'm getting totally confused. First a bit of history. Back in 2004 I got in a right mess with several different lenders totalling over 35K, all personal loans, CC's. I entered into a DMP with Payplan & although the first few years were a bit up & down, I finally finished that in May last year. During that time some of the debts were sold on to collection agencies, some were passed to other lenders when they were taken over, an Egg loan being one example. Because of the way the debts were handled, defa
  18. My husband and I have a couple of credit cards in default from 2008/09. Over time we have made arrangements to pay towards the outstanding balances with agreed monthly payments. Obviously our credit rating is rubbish due to this but we recently downlaoded our credit reports and none of the companies are reporting any contributions we have made to the accounts since they went into default - which makes it appear like we are ignoring the debt. Should we write to the creditors concerned and ask them to up date our credit files with the payments we have made since the default
  19. Evening, Just looking through my Callcredit/Experian paper reports and to no surprise I have a few defaults but trying to see any CCJ's. Where would these be mentioned as I see they have codes. Most of mine are 'D' If I did have CCJ's would they be under 'status'? Find it all confusing really. Thanks.
  20. Hi all. I'll try and write this out logically to make it easy to understand I moved house last month. I have just got a credit report from Equifax, shows me as at my previous address and contains all my current agreements, passed defaults and past addresses. I have also just got a credit report from Experian (credit expert). They show me as at my previous-previous address and a fantastic credit score, only showing an old mortgage, mobile phone and Halifax bank account, all in great green condition until closed years ago (the latter still monthly green though in reality its dor
  21. Hello everyone im just looking for a little help / advice on my debt problem. Anyway i got into alot of debt when i was 18 and nothing has relay changed in the last 10 years, but i now have children and ive had enough of being in debt and want a good life for my children i have always tried to just ignore the problem and hope it would go away but we all know that it don't I have just taken the first step and purchased my equifax & experian credit reports both hold different information and as you can guess my score is very poor. What i would like to know is there is 2 ccjs on my file on
  22. Hi, been a long time since I last posted in CAG... I have a coupe of quick question about my credit file I'm hoping someone can answer. I have a default marked on my CR from December 2006, which was settled in May 2011. I understand the default period ends 6 years after the date of registration, in my case, December 2012 but I wondered how it would show on my credit report, as Equifax states: "The information will stay on your Credit Report for 6 years from the date the account was ended." - does this mean the date of default or the date of settlement? I really don't want this hove
  23. Hi all, I've been scrutinising my Noddle credit report and will be comparing balances to what I've paid off over the last 12mths or so. What I wanted to query was about some high street payday loan lenders, such as H&T, Albemarle & Bond etc. I have standing orders set up to repay such loans but there is no sign of any of them on my credit file. I am going to stop the SO to Albemarle & Bond as they sent me a statement recently in which the balance is growing, not reducing. But, whats the deal with the other lenders?? I know morally I have to repay them and I am but what is
  24. http://uk.news.yahoo.com/euro-crisis-blamed-air-travel-tails-off-083816773--finance.html;_ylt=AuVR9fFUYI5Knl8ANhLT8oXFfMl_;_ylu=X3oDMTNvNGE5cmdnBG1pdANKdW1ib3Ryb24gVUtTRgRwa2cDNWE0ZDgyMTYtNGQ0ZC0zYTlkLWJmZWMtYTQwZDI0MGQyYzUyBHBvcwMxBHNlYwNqdW1ib3Ryb24EdmVyAzcxZDI0ZjAxLWI0N2YtMTFlMS1iOWM5LWZmMjFmY2UxZDI5Zg--;_ylg=X3oDMTFlMTluMDVoBGludGwDZ2IEbGFuZwNlbi1nYgRwc3RhaWQDBHBzdGNhdAMEcHQDc2VjdGlvbnM-;_ylv=3
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