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About Me


  1. Hi All... I hope you can help... I'll try to make this as short as possible. I was a victim of the financial crash.. the business I was in suffered massively and as a result, in 2010, my income reduced by almost 90%. I made arrangements with all my creditors when I could see this on the horizon (totalling around £100k) which have been in place ever since. The arrangements reflected my reduced earnings and most reduced to around 10% of the normal payment with the interest frozen. Most of my creditors subsequently registered defaults against me.. some quite soon after the start o
  2. Got keys to HA property in March - Within 10 days I noticed infestation of Wood Lice Wood Worm (didn't move in until April due to having flooring fitted and furniture delivered Reported to Housing officer 30th March who said that I am liable as I was now the tenant and if the wood lice were coming through a gap I was to block it up (messages kept) Explained that how could I possibly of known there was an infestation when I viewed the property back in January as viewing was very quick less than 5 mins and who goes around looking for Wood Lice, the same as when I got the keys in
  3. British gas have informed me that they no longer do standing orders to make payments, has any one else had this told to them ?.
  4. Problem with British gas. Thinking of sending this letter to BG any thoughts / advice appreciated I have owned this property for approximately 12 years and it has never been habitable for this time. I received bills from Npower for £0 for electric and British Gas for £0 for gas. Because these bills were for £0 I used to simply throw them away. The bills were always addressed to 'The Occupier' My problem is with British Gas. The meter is situated in an outside cabinet, I have no gas appliances and no gas piping, the gas pipes terminate in the meter cabinet. I received a bi
  5. Hello. I am involved in a long running dispute with British Gas over standing charges. I wanted to see if anyone can clarify the position on what can be done by them to enforce payment. The situation we have is that we have only one gas appliance, a gas fire, that it never used as it is boxed in by stuff, in a very cluttered front room. I cannot remember the last time it was used. British Gas insist that they are obliged to levy standing charges even when we never use gas. They have also seen fit to send a debt collection company to visit me. I should mention that I
  6. Does anyone know the bank details of Rossendales to set up the standing order, its the account number and sort code of Rossendales i need, its not clear on the website. Its because i have a bailiff coming in the morning and he said he will be taking goods. I have explained i am in terrible grief following the death of my partner, i explained i will not cope with the upset, i am in process of facing all the things i have not felt able, but i have a lot of unopened post so it wont be the only threatening letter. i need to be realistic an offer what
  7. Hi All, I am trying to get any information possible on the removal of Settled Accounts that were in good standing from the main credit agencies. I used a well known payday loan company back in 2013 and rolled over the loan a few times and always paid early and in full. Never late and no negative info at all. However fast forward 3 years , I am trying to secure a mortgage and have been refused due to having 6 entries from a specific payday loan lender. Even though they are all settled and paid and closed they underwriters see that as there were 6 entries, that I am a risk !! I
  8. I have been on a DMP with the charity Step Change for a number of years, the original debts being a Lloyds Bank loan I was encouraged to take on as a "consolidation" during a bad patch back in 1999, and a credi card still with Lloyds going back the same period, totaling about 20.000 plus couple of "minor" cards and an overdraft, totaling around 25k. After few years of re-payments, I managed to bring back the balance which currently it's around 12.000, however I have recently separated from my wife and this has had a pretty devastating effect, on the financial aspect of things
  9. Hi Please can someone offer me some advice on this matter. I have been living in my Housing Association property since 2011 which I rent through my LA. I have been receiving letters from British Gas addressed to "The Occupier" saying that money is owed for gas supply to the property. I have called them on several occasions informing them that I do not have a gas supply to my property, I only have an electric cooker and the heating is included in the rent. Despite me calling them several times to let them know this, I am still receiving letters addressed to "The Occupier" saying
  10. hi everyone just wondering if anyone can advise how i can be owing scottish power 500 pounds "standing charges" seeing as when i last used said meter i only owed a tenner. roughly three years ago. the meter was eventually "capped" as i stopped using it and now they are billing me for that amount! how can that be right? should i complain to ofgem? this just is not right at all! i didnt want the pay as you go meter in the first place. some silly youngster from the debt collection company told me that pay as you go is actually cheaper. i tried to make a deal with them to pay a
  11. hiya im in Scotland if that helps...... i stopped using / topping up my pay as u go gas meter 2 yrs ago as i walked miles to *local* shop , got a tenner top up, inserted in meter and it took it for debt. was very infuriating. since then the meter was capped but i am now getting harassed for 418 pounds. just for "standing charges" scottish power have made a supposed deal with me to pay 37 quid per month but i cant afford that as i am on ESA and only get 100 pounds per week. i find this VERY unfair. can anyone offer any advice on what to do? to me this a
  12. Received a computer generated letter from Halifax stating that as my monthly S/O to pay my rent had been returned they were going to add to their extortionate profit pocket and charge me £10 for doing sweet nothing. So I looked at the online banking, to see that my S/O had been set up to pay four weekly? Strange as I had set it up to pay on the 25th of every month, I had never seen this 'four week' option in the drop down menu before. So I changed it to pay on the 25th of the month thereafter, thinking it may well have been a genuine mistake on my part? (fat fingers!) Then look
  13. Hi - my daughter completed her degree this summer and left her rented accommodation at the end of June. She forgot to cancel the standing order from her bank account to the letting agents and so a payment of £912 was paid to them at the end of September. The rent was paid quarterly and I think the summer one didn't get paid as she had no money in her account. She had just received her first month's salary which meant there was sufficient funds for the standing order to be paid this time. She called the letting agents as soon as she realised what had happened and they said they would send her
  14. Long story, I try to keep it brief... Around 2007, I took a mortgage with HBOS. HBOS made error on my bank account which resulted in around 6 months mortgage arrears. I did not know about the arrears until a few days before repossession. Because of bank error, the funds were there to clear the arrears. I cleared the arrears. I also paid extra to put account in credit. House was repossessed despite me being told that clearing the arrears in full would stop repossession. Since repossession, I have sent HBOS a number of complaint letters which were stamped by local branch t
  15. I moved to my current address late December 2012. There was a gas meter in a utility cupboard just by the front door of my flat. I have not consumed a single "breath" of gas since moving in. Indeed gas has not been used in this flat for a number of years past. Back in 2012 I contacted BG to come and remove the meter. Quelle suprise: nothing happened. Recently someone came to read the meter. I told the meter reader that I had asked for its removal. "Thats ok Sir, let my take your details and I'll get that done for you" says he. I u
  16. Why are energy companies levying standing charges to domestic customers? 50 years ago only commercial and industrial premises where charged standing charges. So why the explosion in the domestic market? is this a hidden tax? Why do Companies such as npower and or Ebico offer no standing charge tariffs? What are these standing charges for? Most Energy companies would have you believe its to do with maintenance charges. But my experience of all energy companies is they do not carry out maintenance and certainly meter operators never d
  17. In the course of examining our church accounts I noticed that there was a huge difference in water charges for the 2 Anglican churches in our Parish. The lower charge is for the church without mains drainage. The other church has meters water and used only 9 cubic metres last year. As a domestic consumer I use about 110 cubic metres. Because it is classed as non-domestic the church pays a standing charge of £144 pa compared with £87 for me. This seems grossly unfair. Can we challenge this charge?
  18. I would like some advice about a situation that I've been trying to deal with for the past couple of months now. I had received a gas bill from Scottish Power (henceforth SP), for £26.07p, but I do not use gas at all in my home (we did have an old meter here but it has now since been removed, and I've lived here for 10 years now and have never used gas). I queried this charge and they told me they would look into it, which took a while for them to reply. While waiting for a reply about my complaint, I received a final demand for that bill, so I contacted SP again. This is when they tol
  19. Helping out a friend here. British Gas have started billing my friend a "Standing Order" charge. Friend has NO gas. He owns the flat. It is pretty old fashioned - there are no gas pipes into his flat; no central heating, no boiler, no gas hob. Absolutely NO gas. He has the ground floor flat in a block of 5 flats. In the basement vaults of the block - outside in a communal area - there are meters for the block - and I assume that all the other flats have a gas supply. I rang BG on friend's behalf - with all the bills to hand - and queried why - after more than 2
  20. Hi all posted on here last year when i was really in debt since then i have had repayment plans and managed to pay 4 creditors off so slowly getting there! Now to my problem one of these creditors quick-quid flexicredit i had a standing order repayment plan with since the end of April 2014 and so far had 5 payments gone out of my account and have the bank statements as proof. I had an email off them today first one ever saying it was a statement so i logged on to my account and wanted to know how much i had left and was shocked to see i still had £727 from an original balance of £787
  21. Hi guys so I spoke to somebody from QQ on live chat a week ago and they told me I had to talk to collections to sort out a repayment method on the date repayment was due.. so today is that day, I have just spoken to somebody (via live chat) from collections (Loretta) and I gave her my story and told her I had sent an I/E form to the collections team and the hardship team, and that I just need some bank details verified so I can start making my payments immediately... so the fun begins in this cat and dog chase where I want the details to make payments and they keep saying they
  22. Hi guys (1st post here) I've read through quite a few posts and I think the advice you guys give is nothing short of amazing, I have a Wonga loan which I have now cancelled all cards and CPA with and I'm setting up a standing order with the details they have given me... My account on Wonga shows... Total amount owed - £1124.79 Capital repayment - £880 Interest repayment - £233.79 Transmission fee - £11 Their reply to me cancelling my CPA and debit cards was to say that 'interest will continue to accrue on the outstanding balance' is that something I just have to
  23. I set up a standing order to pay someone £120 every 28th of the month. In January, they took out the money on 24th of the month instead, after getting charged for being overdrawn and calling them twice, they told me I had set up the standing order for the last friday of the month, and not the 28th of every month. The last Friday of January was 31st!, I told them this and they put me on hold, and then came back and avoided answering it. I told them I had my online banking on the screen and I can see it is set for the 28th, yet they just "good will" refunded, and asured me it wouldn't
  24. Hi All I've had a letter saying that Cabot Financial have taken over one of my debts from Barclaycard. I've gone through CCCS in the past (now Step Change ?) and pay all my creditors £1.00 per month by Standing Order as it's all I can afford. I have recurrent mental health problems so finding work and/or keeping it is very difficult. I've looked on all the Cabot paperwork and their website and although they say that Standing Order payment is an option they don't give any account details - so you have to contact them directly I assume ? I can't cope with spea
  25. Hi had ESA tribunal on friday the panel consisted of a lady laywer and a male doctor. When discussing the standing and sitting the lady said I couldnt recieve any points in standing/sitting section if I can sit for an hour although I cant stand for half an hour, but the wording on the descriptors says none of the above apply to score zero. Cannot, for the majority of the time, remain at a work station, either: (i) standing unassisted by another person (even if free to move around) or; (ii) sitting (even in an adjustable chair); or (iii) a combination of (i) and (ii), for more
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