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About Me


  1. Hi, its been a while since Ive been here. Just logging on and telling my story about TSB and a sim swap that emptied our accounts for a while. TSB have changed the way customers have to log in via an APP, whereas before we had a card reader. I never use the app as it doesn't work on Win phone. TSB facilitated a fraud on our account after a sim swap was made. They sent a one time password to someone, who then logged in and emptied the account. Once I tried to log in, I spoke to TSB and noticed this. I then tried contacting their fraud dept, but because it was a
  2. Hello you good people! Please advise, as I've read all the relevant threads but none end with a definitive answer or resolution. I deferred my Student Loans from 93,93,95 each May until 2013 when due to a move, I forgot. I phoned SLC around late 2014 to be told the loans were now with Erudio and to phone them. Having read all the hoo-haa surrounding Erudio, I didn't phone. Nothing further happened. Fast forward to March 2017 and I noticed a hard search on my credit file from Erudio. Nothing further happened. Since last month I have started getting multiple phone calls from
  3. I'm starting up a DMP through Payplan and natwest is one of my creditors. I have given payplan all the correct details in terms of account numbers,addresses etc but natwest are saying that the information payplan have given them is incorrect so they can’t provide a balance on the account, the details they hold are different. They have asked if I call into a branch. I don't really want to do this as I don't see the need to, other than to confirm to them that I am now dealing with payplan. Will they want me to have a sit down with them? That is not going to happen.
  4. I've been reading around this forum before posting but I can't find an answer. I think I may be in an unusual position, so any advice specific to me would be great. I need to leave my job next week. Let's just leave it as a 'personality clash' (Manager is a , I'm not! lol) I've found a new job starting 1st November. Great! BUT, I went to the job centre on Friday and my area is trialing UC, and so the first payment I'd get is in 7 weeks from when I leave my job. Obviously I'll be working by then, but won't be paid till 1st December. I have no savings, but have pa
  5. Hi, I took my car in to a local garage to repair an oil leak around 2 months ago. From what the garage have told me, it looks like there was an oil leak on the car previously which had been badly repaired. It appears that the engine ran low on oil at some point and I've now been told I need a new engine The garage told me they would try to find a replacement engine but after waiting for a couple of weeks, I tried to find one myself. I've been able to find a reconditioned engine with 12 months warranty which can be delivered to the garage. I've confirmed with the garage an
  6. I don't want to go into a 1000 word essay so I've tried to summarise this down into valid points and be as brief but detailed as possible. On 24th December 2014, I visited Halfords and purchased engine oil 5L bottle and engine oil top up service. When the gentlemen from the 'we fit' team came to my car he just had a orange pouring beaker and nothing else. On pouring the engine oil into the vehicle and inspecting the dipstick I was slightly alarmed that the staff member wasn't using any measuring device and was seeming freely pouring at his hearts content, I decided to take a
  7. I've started the VT process today and will keep people here updated as no one seems to have said anything about charges and what happens after they collect the car. So far just had a call from moneybarn confirming BCA will be in touch within two days and then the car will be collected within 7 days. My car is 6 years old with just over 30,000 miles and they said on the phone they don't expect it to be in mint condition but I'll be interested to see what the final bill is. I'm very happy with this car but I still have two and half years worth of payments and for the little I
  8. Greetings all, It's been a while since I've posted on CAG seeing as I thought I'd sorted myself out. today I got home to find a brown letter from Northampton It's a claim form from Lowell for a Vanquis debt for £450 + court fee + legal costs. Particulars are vague. Simply says I had an account. Didn't pay. Got defaulted. I have nothing on my credit file for Vanquis or Lowell nor do I have any defaults. I don't recall having a Vanquis card and it's been some years since I've even used a credit card. I'd like to dispute this in full. Is the first step to ac
  9. http://www.standard.co.uk/news/crime/police-warning-after-reports-of-fake-new-5-notes-in-circulation-a3514691.html Got that wrong then, didn't they ?
  10. I paid them for a couple months via Monthly Standing Orders which i set up, this was after the Debt Management Company I used folded, I then stopped paying all of them recently ... I have just received a true copy of my original CCA from Halifax, back dating to 2001, so will now need to sort a repayment offer with them They are the only 1 from 5 to provide thus far, so tbh i still had a great result This is very true, i assumed info from a company like StepChange would be best i would get, not a mention or suggestion of doing CCA's came from the
  11. I run a small limited company. I am owed just under 15K from another limited company. Lets call them ABC Design Ltd. The money due to me has only just become due, and I have emails from the director saying stuff like don't you worry me ol china you'll get your money etc. However, I have just found out that ABC Design Ltd is about to close down and another company ABC Design 2 Limited is about to open with a member of ABC Design Ltd staff as director of ABC Design 2 Ltd. In fact the director of ABC Design 2 Ltd was the person who signed the contract I have with ABC Design Ltd.
  12. Hi guys. Just a quick one. I recently done a fresh install of an old Dell Inspiron 1545 Laptop. I had a problem installing Drivers from Dell (Ethernet and Wireless Drivers). I have managed to eventually get them done and can access the internet. The problem I am having now is, if I download anything and try to install the program, It won't start. Even in elevated mode. The main issue I am having is updating SM bus Controller. I have tried a fresh download, and tried using Update Driver through Device Manager. Any help is appreciated.
  13. Hi I am trying to get my head around my situation so sorry to bombard you with information, however I have done a lot of reading and need your help! Since ~2009 I have been using Pay Day Loans, A LOT OF THEM (full list below). Since 2009 I have always had at least ~3 outstanding loans at any one time. The issue has been made worse by severe depression and severe gambling. I am finally getting help there, and am sorting out my PDLs, however at a guess must have taken out ~£20k in PDLs and paid back ~£30k to date. I believe I have a claim for r
  14. Hi everyone, I just wanted to post up this thread/post for some advice/support/thoughts on how to handle Santander. Who, from what I have read in various places are generally pretty awkward, evasive and fairly resistant to playing fairly. So, I have a SAR template, ready, filled out with my details, got my tenner plus a few quid for the PO and postage ready and I had a couple of thoughts, that I wanted to get some guidance from more skilled and experienced crusaders than myself. So my confusion, or more like unknowingness; I had a current account when the bank was Abbey National,
  15. http://www.scotcourts.gov.uk/taking-action/small-claims There are some significant differences between England/Wales - Scotland the link above will advise on how to take action in Scotland (Small Claims)
  16. The Great British Benefits Handout: Outrage as family buys PLAYSTATION after £26k freebie Next episode Tuesday, 16th February 2016 http://www.express.co.uk/showbiz/tv-radio/642660/The-Great-British-Benefits-Handout-Outrage Now did Channel 5 choose people who would make the most of this opportunity or did it deliberately choose people who would squander the funds in order to provide further fuel for those who criticise Benefit recipients ?
  17. I have been issued a County Court Business Centre Claim form (Northampton unit) from Hoist at a St Helier, Jersey address. It is dated 7 Jan 15 and concerns £7043 (against an old credit card?) plus a further 3379.60 interest . The claim say that that amount due is from 6 Jan 2010 and I certainly haven't been in contact with them in the meantime. Does this mean that it actually covered by the statute limitation of 6 years (out by a day?) and they trying it on? Can I request cancellation under the limitation and also as I am uncertain as to the actual debt itself can I request proof of the
  18. Hi there, I have recently received a letter from a well known group of solicitor who are willing to 'help' get me money back for PPI! I have had credit cards and mortgages for many years and have all my account numbers and details to hand, Please could someone detail how I go about starting a PPI claim. \ Is it A) One single thing to initiate B) Do I write to each bank seperatly using a SAR (I think I have seen this mentioned here on the forum) I am pretty clueless as to how to initiate the progress and would be so grateful for any advice help. Best Regards
  19. Hi all, My sister had an account with Argos and Charges were applied to her account . The account was opened 2003. She operated it until 2009 but ran into financial difficulties. The account was closed then sold to Lowell this year with an outstanding balance of appx £800. She requested for a copy of CCA + SAR and received both. There were quite a few late and over the limit fee totaling to £250 added to the account. There have been a few exchanges of letters and Argos stated in their final letter that the charges were fair and will not be refunding but the case
  20. Hi Guys, A whilse since I've posted but have finally kicked the DMP Company and doing it myself. I have writting and sent the letters stating my proposals to the three companies all of which have been increased as I have been able to distribute the fee I was paying to each creditor. I have also asked them to keep the accounts in the state they were in when I left the DMP. I.e with interest frozen. Have I done the right things here? I want to clear these debts and I think this is the best ways of doing it. On another note, if they were to charge interest, does anyone k
  21. Ok on 20/1/15 i was stationary at zebra with people crossing, got rear ended by builders van cause he's looking at building work other side of road. he's a self employed builder carpenter. He offered to pay for repairs but seeing damage I knew car was a write off - so I insisted through insurance, so we exchanged details, he apologised admitted liability, I did a quick DVLA / MID check, there and then and van insured , mot and taxed. I even took license number from him, you'd think I done it by book.... Now it turns out license , van registered and insurance at his mums address,
  22. Hello All First time I have posted on here for a while... I am in the process of recovering from various mental health conditions and a dependence on alcohol, but now feel that the time is right to return to the working environment, I wanted to be the one who decided when I was ready for work and not the DWP. I had an appeal for my ESA over a year and half ago now where I had been found fit for work at a medical after being in the WRAG for about 3 years, the chair of the appeal panel thought the evidence was so compelling that I was placed into the Support Group !!! and I have b
  23. Hi all, I am trying to help my sister to claim her PPI and Charges from her Argos card. The account was opened 2003 and had PPI and also incurred some charges. She operated it until 2009 but ran into financial difficulties. The account was closed then sold to Lowell this year with an outstanding balance of appx £800. She requested for a copy of CCA + SAR which are all with her now. She realized that she had PPI all along was charged a total £310 in premium. There were also quite a few late and over the limit fee totaling to £250 added to the account. Wh
  24. I am looking at starting grievance procedures at my work due to discrimination but just wanted some advice as to what discrimination is it and how strong my case is? I have been at the company 6 years now and have always worked flexible since starting (4 long days 7:30-6 in the office and on 5th day at home although still doing work on laptop etc but a lighter touch, contracted hours 35 hours full time and do 40 hours plus every week) I had 1 child when I started there (now 6) and have had 2 children whilst working there (4,1) I had maternity leave for both but only 3 months each. I
  25. Hi, I have been a sole trader for the last 10 years and need some advice. Everything is fine with my business but I want to start another company and register the name. The earnings are way below the VAT threshold. Am I allowed to register the new company (i.e. CC LTD) then leave it dormant and still trade as ( CC ) ? Also will there be a problem that is 1996 I was declared Bankrupt. Thanks JJ
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