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  1. I have just joined the Community here for your thoughts and we thank you in anticipation of any help you may give. We had a questionnaire from Abbey Life regarding enhanced annuity. They state on the bottom of the letter with the enclosed questionnaire - 'Abbey Life did not offer enhanced annuities, but one may have been available to you from another provider if you were eligible, and therefore you may be due compensation.' So we wrote to them saying we consider we may have been entitled to an enhanced annuity via an Independent Financial Adviser. (They do say this question
  2. What is the score with someone signed off on long term sick, and on UC with income based ESA being called in for a Review to see if they are doing enough to seek work or increase their hours They haven't had a report from a Work Capability Assessment as yet? this is what was on their To Do List about the interview: "This is to check you're doing everything you can to find a job, or earn more". If they say they are signed off with a Fit Note stating they are Unfit For Work would they get a Sanction for refusing to look? A neighbour has asked me about this, as they are a t
  3. Hi all, I received a letter today from BWLegal in relation to a debt of £704.80 original debt was with The Money Shop, payday loan of just over £100.00. The debt is due to be made SB in March. The letter is threatening to take me to court and place a CCJ on my credit file. I have typed the below letter and would appreciate any feedback you could give. This will be the first letter they have received from me, I have not made any contact with them previously. I have also typed out the content of the letter I received from them today. 16th January 2019 CCA Request removed pl
  4. Hello. My account has been under review since 2/1/2019. Everything is blocked. Something has come to light as to why this is. I sold my e-cig vape collection on new years eve over Facebook, the person that bought this off me bank transferred the money which totalled £60. It was a faster payment. On the evening of 2/1/2019 this person told me that his wife had called the bank previously that day and said that he been conned. He told me that his wife made the payment from her account but at first he said it was from his account but that doesn't really matter who'
  5. Hello everyone Firstly, a huge thank you to all the incredible volunteers that are helping us to beat these disgraceful companies, that are causing misery to so many innocent and decent human beings ;-) I thought I could do this myself but now I realise I need help! I will put as much relevant info below that will help any volunteer that is willing and able to help me win this. As the registered keeper of the vehicle in question, I too received a county court claim from Civil Enforcement Ltd (CEL) for an alleged parking violation. Following advice from other threads, I
  6. Hello newbie here, My Husband & I have been dealing with a Debt Collection Agency SMD Credit Solutions Ltd since April to collect a Debt owed to our Company since November last year. A little background: We were owed £38k and the debt was in dispute by the company who owed us. This was construction industry dispute where we worked for contractor (2) who was working for main contractor (1). Main Contractor (1) refused to pay contractor (2) citing poor workmanship therefore contractor refused to pay us. So it was quite in depth but it was being dragged out and being a s
  7. Grading under review for Westmoreland Supported Housing Limited READ MORE HERE: https://www.gov.uk/government/news/grading-under-review-for-westmoreland-supported-housing-limited
  8. Justice Secretary announces victim compensation scheme review, scraps unfair rule READ MORE HERE: https://www.gov.uk/government/news/justice-secretary-announces-victim-compensation-scheme-review-scraps-unfair-rule
  9. This from OFCOM More information and a link to the consultation is HERE
  10. MOD to review Armed Forces exemption from UN Convention on the Rights of Persons with Disabilities READ MORE HERE: https://www.gov.uk/government/news/mod-to-review-armed-forces-exemption-from-un-convention-on-the-rights-of-persons-with-disabilities
  11. Post-Monarch review finds too many passengers flying unprotected READ MORE HERE: https://www.gov.uk/government/news/post-monarch-review-finds-too-many-passengers-flying-unprotected
  12. One year review of enforcement agent reforms READ MORE HERE: https://www.gov.uk/government/publications/one-year-review-of-enforcement-agent-reforms
  13. Airline Insolvency Review to examine protection for air passengers READ MORE HERE: https://www.gov.uk/government/news/airline-insolvency-review-to-examine-protection-for-air-passengers
  14. Review launched to respond to patient concerns about NHS treatments READ MORE HERE: https://www.gov.uk/government/news/review-launched-to-respond-to-patient-concerns-about-nhs-treatments
  15. i attended a compliance interview 22 february they said hmrc informatiom about 2 interest payments leads them to believe that i could have had over 10000 in 3 accounts that they say where active at the same time when i banked with lloyds i have never had more than one current account and one savings account active at any time i banked with then from 2004 to 2015.They have said i have to provide bank statements from 2010 to present of every bank account i have held and if i dont i will lose my pension savings credit. I do transfer accounts to get the perks the banks offer for swi
  16. Hi, Just wondering if anyone can shed any light on this letter i received on Friday. It is from my local job centre. It says: "We regularly conduct benefit health-check reviews to confirm you are receiving your correct entitlement to Income support. You will be aware that changes in your circumstances can affect your claim to Income Support. The purpose of my letter is to explain that if there has recently been a change and you want to report this or declare that you are starting work you can do so by ringing..... If there are no changes, to enable me to confirm that your benefit i
  17. WHi All Background: I was purchasing a property on mortgage (Clydesdale Bank) and it was a sub sale. Because of some delays at bank's side we missed the completion date and I lost about £60K. Losses fall into following categories, 1. About £20k - Penalty issued by the seller for late completion (this was already confirmed) 2. About £40k - Money lost in arranging the finances to complete on cash FOS decision is in my favor. However, they are awarding me only about £20K (The actual penalty issued by the seller which I had to pay). They are not considering my other
  18. I received a letter from Jacobs today regarding our current arrangement for council tax debt. I'm extremely frustrated, I have never missed a payment with them and even now our current arrangement is a bit of a squeeze, but I pay non the less. Letter dated Aug 2, 2017. I really cannot afford to pay anymore than our current arrangement, I'm obviously going to call them but, I'm not sure what to say/do I can't deal with Bailiffs at my house again, I was a mess last time.
  19. Made a complaint to FOS about paypal. Just got a reply. Seems like the adjudicator's provisional conclusions. He's found paypal had done no wrong. Here's what it says on the bottom of his email: Notice the change in font size, when it says "But If you don't agree with what I’ve said, please let me know why by 6 February 2017. I’ll look at any new information you give me and let you know what I think." I had to really strain my eyes to read this. Surely this is a nudge tactic by the FOS to close-off complaints.
  20. Finally ditched my Vanquis card. Been with them for three years with a 3 k credit limit. Even though never missed a payment they would not reduce the APR. Wait for it, 59.9% APR. Anyway got a Marbles card this morning, 33% APR. Only £300 credit limit to begin with but not worried. That will increase quite quick like Vanquis no doubt Anyway, what are peoples views on Marbles as a credit card provider?
  21. I've recently been sent a PIP Award Review form. It says that after I return it, I could get a telephone call or have to go to a face to face consultation. I'm finding the process extremely stressful and it's weighing on my mental health. Luckily a friend is helping me fill in the form, but I don't know if I can deal with another face-to-face consultation at this time. My memories of the last face to face consultation I had to go to are extremely distressing. I really don't want to lose my PIP, but I'm on ESA too, and with my new situation (different housing etc), could maybe just
  22. Hi, I am currently representing my daughter on the McKenzie friend basis in her claim for unfair dismissal on the grounds of discrimination ( pregancy ) We have followed all the procedures through ACAS and we are currently taking her employer through the Employment Tribunal, which has taking about seven months to get to a Trial which has been listed for next week 4/5th February 2016, this was after a previous hearing. Today i receive a letter from the Tribunal stating that the trial might be postponed on the grounds that despite knowing for a number of months that in any event, the
  23. Hi, Just had the following email from Payplan for my 6th review: ************************************************************************ It's time for your Debt Management Plan (DMP) Review Throughout your DMP we like to check that your plan is running smoothly and that the amount you're paying is right for you. It's also important for us to check if your DMP is still the right debt solution for your needs. For your reference, we've enclosed copies of the most recent income & expenditure details and creditor list we have on file for you. As a reminder, yo
  24. I made a Freedom of Information request to my council because it smells bad near of my council library. I was dissatisfied with the result and I made a request for an Internal Review of the handling of my FOI request. Unfortunately the council told me that it has no obligation to reply to this request for an Internal Review because it has considered my Freedom of Information Request under the Environmental Information Regulation Act 2004 and under Regulation 11 of this act a request for Internal Review should be made within 40 working days of the last correspondences of the council
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