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Found 12 results

  1. Hi Guys, I have received a few letters from Clarity which started with the usual we are trying to contact someone, which I ignored (why help them?) then came the "you owe us loads of money" letter, which I also ignored because I see why I should ring them or do anything initially. Then came the "we will send round the FieldCall people to discuss the fact that you owe us loads of money" letter. I was not too purturbed because a) I had been chased almost a year ago for almost the exact same amount by Lowell, who finally admitted they were wrong and appologised for writing to me (I had
  2. I'm currently working my way through old accounts and such like and closing down where applicable those I don't use but have not yet been classed as dormant. One of those accounts was a savings account with a well known retailer, almost 20 years I've had it, they periodically send me a statement, amount saved was under £40. I also had a cc with the same company, it went tits up around the same time as most other ones and it ended up in default, I wrote to them as I did all of my creditors, stated how it was and that I'd be making token payments and then came consumeractiongroup a
  3. Default Re: DVLA Lost details DVLA are still at it. My licence has been lost in one of the moves and I've had many. I had a couple of name changes after getting married, once overseas. when I ask the DVLA, apparently unless I can provide them with my 4 marriage certificates and 4 divorce certificates , plus dates of marriage and divorces, plus all the addresses I have lived (those I can provide in date order) and when I lived at them, they won't issue me with a replacement. I sent them reams of paperwork, plus photos, birth certificates and the
  4. Jeremy Corbyn has said that there will be a discussion about Trident. He has also said that he will not press the button under any circumstances. So if he won't press the button, what is the point of any discussion, he has pre-empted the outcome. On the same light. He has said he will nationalise the railways. While I am not necessarily against that, announcing it now will make any present company think again about new rolling stock and probably pull the contracts. What is the point of spending a shed load of money on new rolling stock if you aren't going to get any use out of the
  5. Are secured loans all bad? I am currently on a DMP with Payplan end date 2020 (dependent on charges & int) and am looking into ways of clearing this quicker. I have posted on the DMP forum and am currently looking into sending out CCA requests but have also been looking into secured loans. If I can borrow a lump sump I can try and offer full and final settlements to my creditors this will reduce the debts and I will have a definate end date. My main issue with secured loans (apart from the obvious being secured on my home) is the interest rate, are there any good companies out
  6. 12 Jaffa cakes for one pound or 24 for £2.39. Huh ??
  7. I am on ESA and HB. I do a sponsored walk for a local charity annually and this year the charity want to do a piece on me for the local paper including name and photo. I am on ESA for anxiety and depression so if this would to get back to people at DWP etc would I get in to trouble for 'socialising' and doing this event when I am on ESA and 'ill'? I know how the minds of DWP work - if he is well enough to do this and socialise and walk a long distance he is well enough to work - let's get him and sanction him then put him back on JSA! Silly question but would you decline the offer o
  8. The Citizens Advice Bureau (CAB) usually advises well, but they do make some really silly errors, this is just one of them, almost like opening your mouth without thinking. In there advice on buying a used cars, they say: I don't think any motorist would class a worn out clutch as a minor fault. Draft it up and get it proofread before publication CAB.
  9. Hi, I recently had costs awarded against me at a PHR. I had not been expecting this. I am picking up the pieces now after the shock of it all. A good friend referred me to this forum and to some recent posts about costs, in particular the fact that the employer is not allowed to charge more than £33 ph for preparing for the hearing. Mine charged £110 ph - this was not challenged by the judge. They also included external solicitor's costs on top. If I apply the £33 limit it works out that I will be paying more in costs than the employer was allowed to claim for. I am incensed
  10. We currently claim Housing Benefit and get a council tax rebate. I'm looking at applying for Child Tax Credit. I haven't applied so far because I didn't want our council tax bill to rise too much. I appreciate its difficult to judge, but on the whole does child tax credit balance out the decreased housing benefit and decreased council tax rebate? Many Thanks
  11. Hi all, We made a silly mistake (with hindsight) in bringing an online claim for a rip-off car in the company's trading name rather than an individual's name (sole trader not limited company) We exchanged letters with their solicitor at first, rejecting the car under the SGA. No reasonable offer to settle was forthcoming so we issued the claim. We eventually received judgment in default as no defence was served... only to find the company had disappeared from its premises, removed its online presence and (as I've discovered through lots of research) set up under a different name at a
  12. well good morning all. just got up and found out i've got an alert from Equifax. so i logged in to find that Capital one have done a search on my file , shock horror, fire and brimstone the little b****** . why am i so upset the answer is I DON'T HAVE AN ACCOUNT WITH THEM OR ASKED FOR ONE. so my question is how do i get this search removed as i've not given them permission to search my file. thanks
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