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  1. Hello good people of Consumer Action Group, thanks for having me! I find myself in a work situation that I'd really appreciate some legislation-backed-up fact. I've been working for my company manual work minimum wage for nearly 4 years, never rocked the boat, always did my best to keep everyone sweet and help out where I could when people called in sick with management. However, I now find myself in a quandary where I need to take a few days off that have been expressly disallowed by da boss. Our rota goes up a few days before it starts for every two weeks going forward. The boss st
  2. Hi all, firstly I'm posting on behalf of my step son & GF, as they are unsure of how to respond to/progress with their currently situation. Background BF / GF living with GF's parents. GF becomes pregnant. Both 'kicked out' - asked to find alternative accommodation. Accepted as 'Homeless' by the Local Authority, and that they have a 'priority need'. Currently in emergency Council-owned accommodation (pretty decent actually) in the centre of town. GF doesn't drive, BF has small mbike only. BF employed locally. GF was in college locally before pregnancy but now not.
  3. I am a vulnerable person having suffered a violent attack for which I am receiving counselling for and has left me with anxiety problems, at the time this led to me leaving work which in turn led to me running up rental arrears and a possesion order granted ( I moved out before the date ). The vast majority have been paid off and I am now in a new place, at the time of the hearing I offered through his solicitor to pay £200 per month which was accepted via the solicitor in writing and I have kept paying to this arrangement. I have today been informed that a letter has arriv
  4. Hi all, I'm totally new to all this and have had a situation develop over the last 6-8 months where I was unable to pay my credit card bills. My credit was 12k, I ignored it for a few months while dealing with some family issues. I got in contact with them in January and set up a plan to catch up over a 3 month period at £600 a month, I made the first payment but failed in February when I had to take weeks off dealing with my older brother (45) passing away and needing to help my mother through that process. When I called to tell them they told me the card was now cancelled and they we
  5. Hi guy's and girls, been a while since I last used the forum I see it is a great as ever! I am looking for a little bit of business advice on a really tricky situation I am in at the moment. I own a relativley small company (I can not tell you what doing at this moment for good reason), A friend of mine in the same industry is looking at possibly being sent to prison for a very long time (again I can not say why, who or what industry because of this nature). He wanted to sell his company assetts urgently however he was arrested yesterday and put on remand, from
  6. Hi there. I'm wondering if you could help. I've got a bit of an usual BT billing issue and I'm looking for some advice. I'm coming to the end of my minimum term with BT and I've placed in my cancellation. However, it turns out that due to some billing glitch, I haven't paid a single payment to BT for the whole year contract. I'm one of those who just let direct debits come out the bank without really paying close attention ( I really should.... I know!) They are now requesting the full year payment upfront which I obviously cannot afford. I've logged into the BT website to check th
  7. I am currently off work through depression. I have been off for nearly 3 weeks and my current fit note takes me up to next Monday. This condition has been with me for years although this is the first time I have taken any time off. I have been in my current job nearly 3 years and disclosed the condition at my pre-employment medical. Although not having any lost time directly with depression I have had 9 days off with a back injury and another 3.5 due to migraines. I have had a lot to cope with over the past 2 years, 3 family bereavements (inc both my parents), 2 terribl
  8. Hello, I'm new here and looking for help if possible. I was claiming tax credits as part of a couple with my husband until June 2015 when he left the family home. We had decided to separate with a view to divorcing and had put the house on the market, as soon as he actually moved out I rang tax credits to inform them. I should point out here that my husband DID NOT WORK and had not been working at any point during the claim period (one of the reasons for our separation). I was the sole earner and continued to be when he left. He never paid me any maintenance
  9. Turkey a NATO member in the area, yet clearly resists other NATO members requests (whether right or wrong - quite understandably in my view) At least 1/2 - 2/3 of the 600,000+ illegal migrants/refugees in Europe this year are reported to have come through Turkey (France24 'conservative' estimate). It would be easy to say (as the EU is requesting at the moment) that Turkey should better police its EU side borders to prevent the flow of migrants, yet Turkey has in the order of 2M refugees/migrants (probably far more) within its borders excluding those who have moved on. - Who wouldn
  10. I appreciate this may be a little complex, so I will try and be clear. The first paragraphs are background, skip to the for the issue. I am Sales and Marketing senior manager for a business, with 8 outlets. I am responsible for all sales and marketing activity and measured by sales performance (revenue). Each outlet has a manager, and they are responsible for the day to day operation of the unit, and measured against the profit. This structure is a little unique in our industry, where usually the unit manager has control of local sales and marketing, and would be measured a
  11. I work in a small office. I'm the only part time employee. Due to my chronic fatigue syndrome and other illnesses I work one day a week. That was the deal with the employee before me due to her family comitments. Additionally I cover holiday and sometimes sickness. I was of the opinion that this was by mutual agreement, when it suited me and them and that I could say "no" Apparently not. A few months ago, I was ill and received a call asking me to go in, I said no as I was ill. My boss was very abrupt and I heard later that she'd been angry that I hadn't. My job was to cover sick leave.
  12. Hi, I am new here and I looked through the forum but the questions that I have, have not been asked before. So I am starting a new thread. I have been in credit card and secured loan debts for more than 15 years and most of the time, I have been working to pay my debts. The life had been very hard. But last year a friend advised 'not to pay any of your credit cards debts as you are just killing yourself', and I did stop paying them which gave me some breathing space. Now I have one creditor taking me to court to seek a CCJ. I have reviewed my financial situation car
  13. my father has just being declared unfit to make sound judgements of his care needs and financial affairs. as his son I'm trying to sort through mountains of junk have come across a credit agreement for nearly £6000 for a bed, he still has 3 years to pay on this. I know because its still on finance i can't sell it. he has no assets and once he goes in to a care home he will have no funds to pay for it. any ideas of how to sort this out please. he currently owes about £3000 on it.
  14. Special operation near Brussels central square - latest updates here http://on.rt.com/6x9j Find british TV coverage soon as. http://video.sky.it/news/diretta Police using buses as roadblocks and evacuating some restaurants. Brussels residents have been told to shelter in place until further notice; police operation underway Some are saying threats been made against police stations. Police raid underway in Brussels as security forces fear imminent attack http://www.mirror.co.uk/news/world-news/armed-raid-underway-brussels-security-6880470 Police ordered people living
  15. Hi all, Having read advice regarding similar situations regarding X4L and Harlands I am really hoping you can lend a helping hand. This is the email which I sent to the manager of my local gym. I understand from a phone call with the citizens advice bureau that some of my points do not apply, specifically those to do with not being shown a contract at the time of registration and also what I thought to be an improper method of registration. I would like to draw your attention however to the paragraph about item 16 in their terms and conditions as shown in red. The situa
  16. i'll try and keep this as concise as possible, one of my employees went to meet a client in his apartment and parked in the residents car park in what he thought was the clients parking space. The client is one of a few people who actually live there all year and the rest of the apartments are on short holiday lets. to gain access to the car park you need to take a ticket and then the resident uses a pass card to allow exit. It appears that my employee parked in another person allocated parking space and although the car park was almost empty the other person took a photograph of his number pl
  17. Evening All I have received a rather weird email from MYJAR today regarding an account which I can confirm I will raising the Fraud flag against (Think struggle with MMF) Anyway... MyJAR have sent an email advising that a loan was taken on 09/08/2011 and was due back on the 24/08/2011. However the email i received today included is listed below and attached were 3 attachments. (Obviously this isnt mine otherwise it would have been settled by now) Now my question is, shouldn't this account have defaulted in 2011? Yet they are going to issue a default notice in 2015?!
  18. Hi all, I know everyone on these forums are very savvy regarding PPI matters, and there seem to be some experts also. My late father owed "Monument" money but once Death Certificate was issued then it was resolved (no will, no assets). I have now received a letter saying they owe PPI, or PBP as they like to call it. However, their dealings look suspicious as essentially they say "We will not give you money unless there is some left over what is owed." Why should I pay what is owed? This does not seem fair. They also want me to sign a "Statutory Declaration" and
  19. Hi Both myself and my wife ended up being criminals by getting caught speeding on the Grimsby Parkway by some stealth cameras both vat different times, both doing 36mph in a 40mph area. There has been loads of complaints about the speed limit as it is on an area of road surrounded by high walls and no pedestrian access - some would call it a cash cow. Even the Chief Constable got caught ! 6 weeks after receiving the NIP the speed limit has been raised to 40mph ! My query is whether or not there are any precedents in challenging the case based on it clearly having been a
  20. Hi All, Basically its like this. I work at a military establishment with a woman who is starting to drive me nuts, basically. She has obsessive compulsive disorder - don't get me wrong, I fully respect she has the condition but she's making my working life that much more unbearable. She's even confiding in a work colleague that she went to see a psychologist because she said that I stress her out at work and to hear that second hand from a work colleague was not too pleasant to be honest. I have had a problem with pen chewing and putting things in my mouth, chewing my nails e
  21. Hi all, not posted here for years! So I've been working away an being young have neglected my credit as I've always been disinterested. Now I'm home and settling down I have decided to pull my Experian Credit Report. It is DIRE! My score is 141 which translates as VERY Poor! I have a total current debt of £4315.00 Individually American Express: 2475.00 EE trading as T-Mobille: 1074.00 Royal Bank of Scotland: 500.00 Wonga: 266.00 The RBS is being paid at £50 a month at the moment. But I'm currently tracking down details to contact t
  22. Hiya all, Have a massively odd situation, Had a total bill for bailiff dated march of £6818.68 ( including costs ) Then in April of a total bill of £5649.28 I then questioned these and got a bill yesterday of £6303.40 And today a bailiff turned up ( they know I am on vulnerable list ) and the total id £6301.40 So my question is what do I do, every time I ask for clarification it changes price - and its a flip as to whether it is up or down I will be in a position to pay in full next week but dont want to pay and find that I have either paid too much or that they co
  23. Hi there, Im hoping somebody could help me with my situation. Its quite confusing so I'll start from the beginning. On 29th Jan 2013 I was pulled over outside my workplace by a policeman. I was in a rush to get in and asked why i had been pulled over to which he had no answer, so i pushed for the reason. He eventually pushed forward towards my bonnet and noticed i had a crack in my windscreen and told me that was the reason i was being pulled over. it had only happened the night before but where i was protesting he didnt want to listen. I was not in uniform o
  24. Edit: Please delete thread someone has made one already called. "More fun for us JSA Job Seekers"
  25. Hello, Gentlemen, Gentlewomen... new user here. Ok... I have a pretty good idea what to do here, but I thought i`d post just in case you guys think different since my situation is slightly different. I know it`s probably bad, but from what i read here, but anyway... This is what you see when you order the bag: Sent my samsung S2 (in great condition, no scratches, not broken, in a case as well) off to cash4phones (without doing my normal check ) waited 2 weeks then decided to contact these guys to see if they`d received the phone. 26-11-13: i got a reply
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