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About Me


  1. Hi All, Just a little advice please. I had a works pension that was frozen some 8 years before I got married. My wife and I are going trough divorce and she seems interested in some of this pension. Question is as the pension was paid into and frozen before we married is she entitled to some of it? I am retired and disabled and claiming pension credit + enhanced PIP and Enhanced Mobility. the pension she is looking to have part of pays £42.27/Month She is 58 and due to retire at 67. She has a work p\lace pension and she earns around 1,500/month her new partner
  2. I was unable to pay the mortgage for about 10 months, but then I got a new contract and was able to set up a standing order which was larger than the statutory amount. I decided to pay this larger amount in order to gradually reduce the size of the shortfall in a way that I could sensibly afford. Prior to my first default I was actually overpaying over a number of years, so that my 10 months gap was actually only 4.6 months on the balance sheet (this is acknowledged by the lender). I have already given Mortgages 2 my assurance, several times, that I will be able to overpay the
  3. My partner who is on lifetime DLA is being reassessed for PIP. Having had an uphill struggle to claim other benefits and his pension, we are well versed with their tricks by now. This morning he a received a random phonecall from someone unwilling to identify themselves, who was asking for personal information. He refused, unless the person identified themselves and gave a return phone number (it was a 'private number on the caller ID) for him to call on. They refused point blank and said "There's no point in continuing the conversation and slammed the phone down" Despite the fact my
  4. Hello, I’m very sorry I don’t think this post is in the accurate place, I couldn’t find where I needed to post. I have an issue with Littlewoods and Very. I have been with them for about 6 years, I owe £6000 to Littlewoods and £500 to very. I have always maintained payments up until 10 days ago when I have missed my first littlewoods payment due to have some financial difficulty. I received a few text messages from them saying they haven’t received my payment, which was fine. That was until today, I have now unplugged my home phone because I was in double figures on the calls I
  5. Hi everyone, I received a phonecall out of the blue at work last week regarding an ‘important business matter’. He said they had been sending emails with no response, and sending by post to Victoria with no response. I told him I hadn’t received any emails or the mail, which is true. He asked for my uk email address , I told him to send an email to the one he has on record. I told him not to contact me at work twice and gave him my mobile number instead. 31.01.18 - They rang my mobile, asked to confirm full name DOB and address, I said no due to data prot
  6. ’ll try and keep this as brief as possible but I’ll need to explain a bit of background. When I was in university I rented a room in a house with three other students that I didn’t know between July 2012 to June 2013. Npower supplied the electricity and gas. I gave the first meter reading in July and the first bill came in October and we each paid a fourth to the landlord and I thought this arrangement would continue. However, towards June 2013 I contacted the landlord as we hadn’t got any more bills and queried what was going on he said he’d put the bills solely in my name. I was
  7. Hi all Just looking for a bit of information really. I took my first student loan in my first year of uni - 1997. and another loan each year after that so 1998 and 1999 - all the 'old 'style' loans. I have been deferring to Erudio since they bought them. However as for when these loans run out is it 25 years from the first one - 1997, or 25 years from when the last one was issued 1999? thanks all.
  8. Miss-sold a product, received final response from ombudsman whom stated that we were an accidental landlords, the Financial Ombudsman went onto say that the bank, Yorkshire Bank, had missing paper work. They ruled in the favour of the bank, we fought back, by saying it was an unfair process, as they had missing paper work but the financial ombudsman said they had treated us fair, so would not re-open the case. We went back to the ombudsman and stated this was an unfair process, as it was not true and Yorkshire Bank is misleading. The ombudsman stood by the
  9. Hello, I made a lot of silly financial commitments about four years ago as I was working and in college, just turned 18 and assumed I'd be able to just walk into a job when I went to uni the following year. That didn't happen, and my student loan just hasn't been able to cover living costs and the debts I have. I've been trying to make payments as and when, but I realised that the charges I was getting on my accounts were more a month than I'd be able to actually pay them so, instead of being an adult about the situation, I just ignored it. I am now finishing uni in a few weeks time and have
  10. Hi, in the middle of December 2015 I received I letter from Mortimer Clarke Solicitors chasing a debt with Cabot Financial, after searching this site I sent them a prove it letter, heard nothing .... received court papers between Christmas and New year. I submitted a defence saying that I had no knowledge of the debt and has asked the solicitor to provide evidence. Mortimer Clarke wrote to me in late January 2016 saying that they would put action on hold whilst they waited for their client to provide the evidence.Since then I have heard nothing, until last week
  11. Just had a very worrying phone call started with me querying the fact that they where still under the impression I was self employed (a job I did for 18 months) got put through to tax credits department who said that we still owed £12000 and this sum was now in the hands of a debt collection agency. And that their last letter to us was March this year which is an absolute lie. they refuse to send copies of any correspondence. Not had any correspondence on this issue for years. This debt goes back to when tax credit's first came out and was based on estimates from my local tax
  12. Hi, I previously lived in the UK but have returned back to the US as I was made redundant. I owe approx. £10880 to Virgin/mbna and had a phone call with them earlier. I am able to borrow the monies from family and after going thru the series of questions of my incoming and outgoing expenses I gave an approximate figure £7000 to clear the above loan. they were going to check w a mgr and get back to me. It now seems I could have gone lower and think I am going to call,them Monday and say I only had £7000 total as I also have to use that to pay the £6800 to HSBC.
  13. Hi, I run a small hair salon. J ust over a year ago, I was approached about the possibility of having some advertising, the advert would be 1000 leaflets for my use, as well as leaflets being left under the seats at a local ice rink, and an advert put up on screen. This would last for 1 year. The adverts would be on a rolling advertisement, but guaranteed to be shown at least once during each event that was held there. I never went to the ice rink, but had faith that it would be done.. . having said that, over the course of a year I've had no custom from it. The l
  14. Hey, A bit of background: After I hit 80 kg (176 lbs) [btw I'm 1.78cm] I decided to start exercising. I found a nice dumbbell + PU + crunches plan and will try to stick to it. Before that I was on keto (when loosing weight) or on a low carb diet (loosing slower/ maintaining). Now my question: Are there any reasons to stay on low carb when trying go build muscles? Are there any downsides on a low carb diet? From what I understand It probably doesn't matter as long as I get enough protein, but I want to make sure I didn't miss anything. Thanks for helping out
  15. http://www.cash4phone.co.uk/ http://www.nominet.org.uk/whois/lookup?query=cash4phone.co.uk
  16. Hi All, I have various debts that are being handled by agencies. I have a limited company that I stupidly set up a bank account for with Natwest. I say stupidly because they held my personal account too. I had an instance of fraud on my company website and had to refund a customer £160. This came at a precarious time in terms of cash flow. As a result the account was thrown into debt. Natwest decided to close both my personal and my business accounts at the same time because of it. I also owe worldpay who were my gateway service providers for my websit
  17. Well I have started as off 3 o clock today it will be 6 days . I decided to quit because Tescos were now charging 9.25 for a pack of 20 ,so off to the doctors and we started on the patches . I must admit they were useless since I was doing as lot of hiking to get myself fit after a back op . hey kept on sleeping off so had a relapse. Back to the clinic again and they suggested lozenge and the pipe thingy . Tried the lozenge and it seems to suit me . I am already feeling the benefits last sunday I walked up Leith hill and nearly collapsed at the top this Sunday I managed it to the top
  18. Hi Can anybody help please. I am trying to start a new thread but justg getting this message: ' The number of tags you tried to add exceeded the maximum number of tags by 3'. Kind regards
  19. Hello I recently bumped into a good friend from the past, around 2007 bereavement happened within his family, and his nan left him money. He ended up moving round the UK and parts of Europe living with new age travelers. Anyway he recently started a job, but his company he works for is putting him on emergency tax has he did not have a P45. Can anyone advise to what he can do? so he can stop paying emergency tax and claim back what he's overpaid. Thanks
  20. Hi all, Was wondering if anyone can put my mind at rest about this if possible? My ESA claim started on Dec 10th...I was usually paid IB on a friday which means with their "no breaks in payment" policy I should have gotten a payment yesterday as normal but I didn't. The last payment I got was on the 6th. Does anyone know if they shift payments to accommodate the new claim date or am I likely to be facing some kind of other problem here? The woman that phoned me about my claim did specifically say nothing would change so that's why I'm worried and also the time of year is not th
  21. Hi there, I'm just looking for some information regarding " Final JSA payment" I signed off on Friday 20/09/2013 and im just wondering how many days it'll be till i receive the backdated payment? Also my JCP adviser "Fast Tracked" working tax credits for me and i rang them last night and they said i've been awarded Working tax credits but it could take up to two weeks to receive this? My main issue is i dont get paid until 25th October and i've got three children to support and im starting to worry that im not going to be able to do this sufficiently Any help i will be mos
  22. First off, hello all! I've decided to join in on the forum to let you know how I get on with a PPI complaint against Northern Rock (£7k personal loan). I borrowed £7k over 36 months in Jan 2008 via a telephone application. Sales guy at NR told me he had run everything through the computer and it was recommending I took out "Gold cover" (sic) and that the success of my application sort of depended on it. I never thought any more about it and paid off the loan early (Feb 2010). It was only when I was looking at my credit report online that I remembered it! After my initial c
  23. Recieved O/H agreement from MBNA, noticed that although she was unemployed at the time, she ticked PPI and they did not inform her tht it was worthless if she was unemployed, so claim submitted today. Will let you know how it goes
  24. Hi I have no idea if i was ever sold PPI but i would like to find out. How is this done, i've had a quick look on the site but i've not found anywhere that shows a simple guide for what to do first. I would imagine there is one and that i'm probably blind. If there is, please can someone provide me with a link. I assume the first step is to write to my current and former mortgage providers and ask them if i had PPI on the mortgages. I've only ever had one credit card about 20 years ago and i've never had a loan so it's just the mortgage that i'm
  25. I've got several threads that I've started but when I go to my profile/find all threads started some are missing. any suggestions on how to locate them?
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