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  1. Hello. A friend of mine has asked me to look in to the insurance policies that she has just realised were sold to her when she took her mortgage out back in 1998. From looking at the paperwork I can see that there were various forms of insurance but what strikes me straight away is the phrase 'Premiums are recovered from your monthly mortgage repayments. Separate payment is not, therefore required. Please amend your payment when advised'. Does this mean that the insurance was added to the mortgage, and by doing that, my friend was charged interest on both? Apologies for the n
  2. Bowel screening to start at 50 READ MORE HERE: https://www.gov.uk/government/news/bowel-screening-to-start-at-50
  3. I have had several payday loans in the past some of which I shouldn't have been given. Can you tell me how to start a claim and what the process is?
  4. I wonder if someone could advise please. I called on 5.1.16. for a DLA application for my child. I completed the application by downloading the form. My child who requires day and night care. He was awarded personal middle rate care and low rate mobility. The first payment was the date they received the application - not the date when I phoned i.e. 5.1.16. and I did enclose the page they sent which stated I called on 5.1.16. and it had to be back by mid February. I have called DLA and said that they have not taken into account the night time care my child needs. He is up
  5. Hi all. I am in the process of moving my mum from the awful Talktalk to a company more reliable and trustworthy. However, it has come to my attention that Talktalk have been taking not one but THREE payments a month from her account. What's more, it looks like this may have been going on since 2013! Things are not making much sense to me I need to dig a little what I know so far is this... There are two amounts being taken for Talktalk and one for Talktalk mobile. She does not have a Talktalk mobile and certainly only one phone/internet line. I recall seeing a p
  6. Hi again guys, been having great success so far with these debts (will try to find a link my other post which is about over a year old to give you some context) So the quick back story Lowell owned the debt, bpo was acting on their behalf sent a CCA request bpo passed it back to lowell after not responding, lowell have then ask their legal team (phahaha) lowell solicitors to start court proceeding, rang them for abit of fun informed them that no cca has been sent, they have now supplied me with the request but it is unreadable (will update this post with
  7. Hi there, I am being asked by the passport office to provide start and end dates of my first two jobs (I don't have the P45s or payslips from these years, I do have P60s). I contacted the HMRC (SARS team) and was sent a letter with all my jobs listed but no dates to them. After another conversation with them they sent me a second letter with only few leave dates. Now, I used facebook messenger to chat with one of the HMRC people today and asked about this. I was told that HMRC may not hold any records regarding the start and end date of employments if the employer didn't provide them with su
  8. It would appear that Ebay is to start charging 20% VAT on fees when it changes it corporate structure later this year. Sellers with a turnover under £85,000 will not be affected. https://tamebay.com/2017/05/ebay-uk-spring-2017-seller-release-ebay-to-charge-vat-on-fees.html
  9. I have been invaded. This keeps interrupting my business in the Bear Garden. There is this Essex or somewhere in the south east smug little man who is telling me how to make millions in the next few months. A smug little varmit that needs sorting out if you ask me.He and his chums. All sorts of adverts pop up,some asking some rather interesting questions when you are viewing anything. Blocking your computer and seems to sneak in. Any tech minded ones who know or had dealings with these infiltrators before. And of course the easiest way to get rid of them for people with limite
  10. Early last year my husband received a county court summons for £11,500 for a credit card debt sold on to a DCA. He replied and defended the action on the basis of the limited information on the summons and that he was awaiting a reply to the CCA letter sent to them on the day the summons was received. He never received a copy of the CCA, just a letter from them saying the debt was no longer enforceable and they could not proceed any further through the courts, but would he please call them to discuss a repayment plan. They also promised to forward the copy of the CCA.
  11. Hi all, Having been in work for over 30 years, I have had to apply for ESA. I phoned the application number on Monday and answered all the questions (1hr 35 mins) The girl on the phone was a 'trainee' and started to ask me for my partners information. I pointed out she did not need these and she put me on hold. Finally she admitted she did not require my partners details. This is just my story and I hope it could help someone in the future. I was released from work on the 28th October 2016 due to Capability. (L4/L5 Discetomy and decompression operation on 8th May 2015) left with resi
  12. Hi. I recently used Expedia to book a holiday in Europe. Unfortunately the hotel downgraded us after our original room had a huge blood stain on the carpet of our original room, the TV hardly worked and they charged us a charge on my debit card after we had left which I am having to work very hard to get back. Expedia don't really want to know but I am persevering. My question is, if it comes to it, should I want to start a MCOL claim against them, being as their HQ is in the US, could I do this or would a chargeback on my credit card be a better option? Than you all.
  13. I have a number of accounts with provident that I stopped paying about 12 months ago. I was an agent for them for a very short time and took a number of loans out myself (stupid I know). I stopped working for them 2 years ago when I was forced to take out a loan due to me loosing the money I collected when I had to take it into the office to show the collections on a weekly basis. I was so upset by this I stopped working for them in my part time position as an agent. I have had numerous calls which I have ignored but have just got a default letter from vanquish fresh
  14. So yesterday I was taking a look at my Noddle credit report and when I checked the section for previous searches I noticed that in early July there were about 21 searches all done on the same date. I was rather puzzled by this and at first I thought something serious was going on, but when I checked the names and Purpose of the searches it began to click. The purpose was mostly "General Insurance" but some were marked as "Identification Check" and "Quotation Search", and the names were things like, "Lexisnexis Risk Solutions Uk Limited Insurance Quote - Www.Lexisnexis.Com/Ukconsumer"
  15. I'm on the wrong end of a county court case that has been total chaos. I never got the original application. I had moved (this was about possession, originally, but was settled and I moved out) the landlord had the papers sent to my old house, and didn't use my forwarding address. Eventually I found out about it and managed to get a copy of the application from the court a couple of days before the hearing. I got a "response" in but because it was late the judge didn't have it and it got adjourned and I got told to pay costs. I went to the PSU, asked court staff, went
  16. i have been contacted by these people saying i owe sky 600 for calls and sky for the period nov 2009 to jan 2010 but left my partner in 2012 and in that time before i left no contact or letters and betwwen 2012 and until last week when i had a phone call saying i have to pay can any one help please also i found out last week ex had recived letters but bined them with out telling me what can i do
  17. Hello all! I have used CAG before but a significant time ago, ive been avoiding problems for most of my young adult life and have foolishly decided to never take charge or responsibility and my own actions. I am now 28 and a father of 2 i have turned my life around in the general aspect I work and provide and want to fix all the damage i have done. The problem is i have debt with a alot of companies, I have access to my credit report through Experian And through Noddle. The credit file is showing allot of defaults. Some debt has dropped off and some debt is du
  18. HI im new, sorry if this has been covered but im having trouble with laptop its not showing me posts ,ive had a letter from vanquis fresh start saying sky have sold them an early termination debt i have with them, ive been told theres been calls to my old phone number (i dont have that phone no more) im sceptical to if they are genuine, i have some current mental health issues and talking on the phone is tough for me ,i dont want to ring them and give my details if they arent genuine thank for any advice
  19. It has often been said on here that a claimant cannot claim the above interest if the action is brought under the remit of the CCA. Well section 69 certainly does not say that. Now I know people will say yes but look here The County Courts (Interest on Judgment Debts) Order 1991 This appears however to relate to section 74 of the 1984 act not 69 am I missing something here???
  20. I have been issued a CCJ for £240 - this was because I contested what I owed a creditor (partial admission), and although I won - I still had a CCJ issued for the remaining £240. Unfortunately I don't know when the court hearing took place or when the decision was made to enter judgement. This was due to a house move and poor admin on my part (the claim was so old, I forgot about it basically). I didn't know anything about a judgement until I randomly logged into my MCOL portal on 26/02/16 to have a look and I saw that Judgement had been issued against me on 10/02/16. I immedi
  21. I am facing eviction and I am dealing with this but a letter from the management company has given me cause for concern. In an eviction letter there is a line 'Before we start court proceedings which incur costs which you will be liable.' I am used to dealing with Debt collectors and they usually insert the word 'MAY'. I believe this company have broken guidelines. I notice they also arrange finance so it would be fair to say they must be governed by consumer credit. In short I believe they have used threatening and misleading language and wondered if people agree with me. Thank
  22. Hi, Wondering if anyone can help please? I took out a start up loan which I fell behind on when the business failed for various reasons. I wrote to the start up loan provider who failed to confirm accept of my offer of payment and instead instructed a DCA to collect on their behalf. I again wrote with all my income/expenditure and a monthly offer and made my first payment in July 2015 but to the account of the start up loan provider. The DCA then wrote to me chasing payment. I wrote back and advised I had made a payment and hadn't received confirmation from
  23. I was meant to start my MWA at 11am on Tuesday but due to a family member being taken ill i had to sign off at 9am the same day as i wasnt/wont be job searching for the next few weeks.I'm just wondering if i will be sanctioned for not turning up to start my MWA the same day as i signed off? The women on the phone when i closed my claim down said i wouldnt and that the MWA provider would be told that i signed off.
  24. I am trying to help my tenants who are a loverly family with a child who sadly has a terrible illness which means his disability will deteriorate over time. They are trying to get a grant to make adaptions to the house they are renting from me. They will need a downstairs wet room, hoists, ramps etc. I have been helping them with the paperwork, but being private tenants seems to complicate matters. I hope that they will not be forced to move to local authority housing before making adaption but this has been suggested. I would be more than happy to sell the house to them, although th
  25. Apologies but this must have been asked many times before but basically I have no idea where to start. How do I start checking if I can claim PPI back? There are so many different companies offering to check for you, even some advertising on CAG. It's a bit scary to say the least giving your details away to someone you do not know. Any help or advice would be most welcome. I posted in the Lloyds section mainly because I have been with them for the last forty odd years and thought it would be the best place to start.
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