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  1. Well it seems it is going to be one of those days.Already i have put two threads out and it is only 8am. This one has caused by blood to boil.But everyone has a view,what is yours. Here is my answer to the news that - Fracking gets go-ahead in UK for first time since 2011 as North Yorkshire council approves plans. http://www.telegraph.co.uk/news/2016/05/23/north-yorkshire-council-approves-fracking-plans/ Well everyone will know what i feel about Fracking just in case it is Lancashire next by fair means or foul. Our council and people have said No quite clearly.I am now catching
  2. It's obvious that the government is making it so difficult with benefits they are hoping that everyone will just give up claiming but I didn't know whether to laugh, cry or head butt the wall with this situation and just wondering if anyone has had similar problems because apparently the people in front and behind me in the cashiers queue had the same issue!! Had a medical appointment in London yesterday for my ongoing vertigo issue and am on UC at the moment (although haven't received anything as yet due to my last pay packet back in July!). However I can't remember where but someone tol
  3. Hello Try to be brief. had a ltd company back in 2005 with an overdraft linked with a personal guarantee. The company is now dissolved and Lloyds obtained a CCJ against me for the bank overdraft of £7900. I did not know about this until I searched Land Registry and saw a charging order on the property. The charging order was dated 2009 I contacted Lloyds who inform me that they no longer have the debt as they sold it and passed liability first to Hillsden and then to Cabot and lloyds. I have requested from lloyds all the copies of the original loan details, Ts&C
  4. Hi Guys Despite my constant attempts to get APS Overdraft to 1. Supply me with evidence of the debt and 2. Mark it as default or in dispute They are constantly updating the report with a 6 marker but no default. The account shows no payment since March 2016 and hit 6 in Sept 2016. The message on the credit reports states; "agreed repayments are more than 3 months behind but you have agreed new repayments with the lender" which is total BS as I have never acknowledged the debt as it is not mine. My last letter to Equifax stated; Dear sirs This accoun
  5. Attempting to put order into chaos, one such chaos is the forest of old paperwork I have on long since gone debts. I'm not talking about anything current (as in live accounts) but more on old credit card alleged debts from the last decade, they are all either settled/done with/stayed or stat barred.... Is there a need to keep all the paperwork to the now stat barred debts? Settled Debts/ done with (old accounts that i've simply closed down) Some of them are stat barred by 6+ years, others 4 years stat barred. I'm keeping the paperwork on all live accounts/stayed accounts as thes
  6. After a long absence from benefits I'll be starting a new claim for Universal Credit in the next few days. Just a brief history: I was on the old Work Programme with Ingeus for the full 2 years - towards the end I was placed on the ESA assessment phase having been on JSA only and didn't have to attend the office anymore... Shortly after I ended the claim to pursue a new opportunity and that's where I've been for over a year and a bit. Now having to go back to relying on benefits is a difficult thought and I have no idea what's changed. I have no clue if my local office is still ope
  7. I wonder if someone can help me. My car has been in the garage since April 2016. I have been given all different dates when it will be ready. I have whatsapp messages to say it would be ready in February this year. Let me explain because I really need to understand what my legal right is as I though garages had to carry out repair within a reasonable period of time. In April last year my BMW 325i broke down. I was told it was the head block. At first I tried with no success to find a head block and then decided to opt for a part worn engine. I order
  8. Post for a friend Letter from Mortimer Clarke concerning a CCJ issued in July 2017. Please fill out this I&E form within 14 days otherwise instructed to life the stay and request payment of £50 per month. No CCJ on credit report. Requested copy of CCJ. Defaulted back in March 2011. 1st letter knowing about CCJ. My question is does sending stat dec as never received the CCJ paperwork and couldent defend claim, where does it reset it to? Does it take all the way back to 2011 so debt would be SBd now or to the original court date in 2013 and debt not Sbd?
  9. Hi all, Have I made a mistake? I had an unenforceable credit card debt from 2010 has been passed through the following companies: Alliance & Leicester/ MBNA/AIC/Aegis/Wescot - Bank of America /Arrow Global/ Wescot/ Scotcall/ Vanquis Bank. In 2011 Letter from Arrow Global said Scotcall is no longer managing your account. It will now be managed by Vanquis Bank on behalf of Arrow, who will be in touch to let you know contact details and offer you the "Avant Programme". Never heard any more and 6 years later was offered a small credit card which I thought would help m
  10. Hi I have late loan monthly payments recorded on my credit report from Nov 2014 up to now . I haven't paid but want to clear the loan now that I can afford to. Myjar charges a late monthly payment fee if you are 3 days overdue on your monthly payment. I have had no record of them asking for late payment charges from me. Can I ask them to accept the loan repayment in full without any charges and is it likely that they will register a default anyway? Look forward to your response
  11. Hi , nasty taste left in mouth by Samsung. Whilst cooking, i used my S8 as a timer, as per normal. multiple timers set, and running. turned round to check time, and the screen was flashing like mad. A crack was developing before my eyes. A phone call to Samsung sent me to their Romford "customer care" centre where i was told i had dropped it The phone is not yet 2 months old. I was told that screen damage invalidated the warrantee, and also refused a second opinion, as 3 "engineers" had already looked at it. cost of repair is approx £350, after 1.5 months use am i right in thi
  12. Do you need to provide proof to ask a question on a public forum? I have had a thread removed for asking the obvious. Giving that the my thread has been removed the donation/s that i have made for this forum to help people like me, any advice on getting the donation back into my bank account because i do not want to fund nor be associated with a supposed public service that cherry picks the questions and those who the forum adjudge to be correct because of any status that they may have on here as indicated by green dots. Regards Callum
  13. Hi all, This is my first post on the consumer forum. The error that Vodafone is continuously failing to correct causes me great distress and badly affects my health. I have tried to sort this issue personally through Vodafone Customer Service making endless phone calls but it got nowhere. I was going to take the mortgage in March but Vodafone INCORRECTLY has placed a Default Account on my Credit Rating which prevents me from getting a mortgage. I have written formal complaint to Vodafone Customer Service that was posted to them on 14/10/2015 but the letter was never acknowle
  14. I haven't got an appointment for a medical yet. But I am scared that I won't be rearded whatever you get when you pass. I think it's ATOS. Anyway, in December my a doctor diagnosed me with anxiety but I also have another problem which is not mentioned on my sicknotes,. It's trapped wind which is embarrising and I am seeing the doctor on Monday for both my anxiety and the trapped wind. My brother has been on ESA for about 9 months because of his Herchsprung's deasease. It's bowl related and he has stomach pains which will make him violently sick, he was born with this. ATOS has now taken h
  15. Hi My husband and I have both had contracts with vodafone for many years. When it came time for me to upgrade 2 years ago, vodafone offered a discounted deal if I took my phone as a second phone on my husbands account. This was a decent deal so my contract ended and his had both our phones. Two pay monthly contracts. Fast forward 2 years and my husbands contract for his phone ended and he upgraded to a new contract with vodafone. April this year the second phone contract ended (my phone). I waited a few months to decide what I was going t
  16. Conservatives plot a motoring revolution: Draft report reveals biggest reform to regulations since driving test introduced in 1935 independent
  17. Hi All just wondering if anyone would know what he waiting time is for an ESA Assessment, i have been claiming ESA since July 3 2014, and still have no sign of anything to do with this, i have phoned up on numerous occasions to be told its being looked at, but still nothing. is there anything i can do to speed this up or shall i just play the waiting game... many thanks Lets
  18. Dear All, Following with reference to Regulations 2003,2005 and 2006 I believe I have a case to pursue to obtain my ILR which I was denied in June 2010 due to poor Representations and also I had no clue of any immigration laws and Regulations at that time only relied of my rep. The real issue is we were given Leave to Remain in 12 March 2015 base on Article 8 through my 14 years old daughter ( 7 years Rule Concession) who came to join me with her mother in September 2003 after a long legal battle Represented by a reputable firm. We won the case (Leave to Remain) at the First Tier T
  19. I signed up to Easy Gym on 20th of March this year. Then on the 17th of April, they sent an email out to everyone to say the showers are going to be refurbished starting the next day without giving a completion date. I haven't been to the gym since as we don't have showers in the office, and I can only go in the mornings to the gym. I am client facing so defiantly not a good idea to spend an hour at the gym, without washing. I have canceled my membership, as of this morning, but they are refusing to refund for the time I haven't been able to use the gym. Do I have a case for a refund sinc
  20. Hi All, First post on the forum, I am having a problem with Vodafone since porting my number across. Like many others by the seems of it I have no mobile data. I can call and text but no data. I have spoken to Vodafone customer services numerous time on this issue and the call has allegedly been escalated to the network team. This call has been with this team for about 10 days and I cannot get an answer as to what is happening. So far I have been through the internet settings with every customer service person on every call. I have had the texts sent to me to do the Telco
  21. My son came over from Australia at the end of July 2013 for his annual visit. We visited an Orange store and took out a sim only 28 / 30 day rolling contract in order that we could cancel it as soon as he went back. We cancelled it at the same store and I also rang Orange to confirm cancellation. £59.58 was paid by direct debit on 2d September which I then cancelled. I never gave it another thought until I received a letter dated 3rd April 2014 saying there were changes being made to my Orange account regarding price. I wrote back immediately saying I had no account with Orange and wo
  22. Hi, I have a debt with Lloyds, due to a personal loan when I was employed by them. Of course there was PPI on there, as an employee it was required of me in order to get the loan. long story short, I had to resign from my job with them due to moving hundreds of miles into a womens refuge to escape domestic violence. They refused my ppi claim as I had resigned and wouldn't help me transfer my job to another branch. I tried to get them to agree to reduced payments, while I got sorted; again refused. As I had so much else going on, they really were the least
  23. Hi all My father passed away last month however a few months prior to that he had started talks with one of the "we will help you get PPI back" companies. I know what these guys are like and they have contacted my mother who is not up to speed on their tactics etc and she has agreed to continue the claim. However my query is, there is no official executor as he had no will, so how can they get the info they need from the institutions? Next of kin wont be able to access it will they? Also, am I right in assuming that any money they get from any claim sh
  24. Hello, I have been suffering since I moved to Vodafone on 5th November, I just ported my number from Three to Vodafone, and its still not ported, spoken to 25 different people almost 30 minutes everyday since then, walked into vodafone store no resolution, infact, the most irritating thing they do a cold transfer, and I have to repeat my self so many times. Also raised an official complaint to Mark to askmark@vodafone....., just get a confirmation with a complaint number 8574855 but no resolution yet, i keep getting emails with a different complaint number 8576541, saying me to veri
  25. Hi there, I have a Lloyds TSB Credit Card debt. Until 3 months ago, they were happy to recieve payments via my DMP Payplan. Despite that, they havent actually written to me for 2 years. No sign of being passed to a DCA. Now my PayPlan account is closed as I have decided to deal with all my creditors myself. Not sure if I should just wait to hear from them or take some other course of action? The outstanding balance is confusing because of PayPlans shoddiness, and my over-reliance on them. For example, I have another bank a/c debt with Lloyds. Payplan said the outstanding wa
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