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About Me


Found 14 results

  1. Hi, I'm new to this forum and looking to get some advice on a dispute my parents are having. They paid (by cheque) to have new Soffits and Fascia’s fitted by a company called EnviroTherm based in Ilkeston, Derbyshire. https://www.envirothermgroup.com/ My parents received a phone call out of the blue from a salesman who had provided a quote for the work 2/3 years ago saying he had moved company (to EnviroTherm) and asking to visit them to provide a new quote as he felt his new company would be cheaper. His new company (EnviroTherm) were more expensive until he phoned his
  2. Hi guys, I have recently contacted Santander regarding an alliance and leciester loan which was taken out about 2004. I have had a response saying that they are unable to locate an account, product, or PPI policy based on the information provided and as such they will not be upholding the complaint. As my own memory of the loan is sketchy other than the amount and the fact that I did pay PPI (I was told at the time my application would likely be unsuccesful without taking PPI); I was wondering if there is any other way I may find details. I have no paperwork left to
  3. Way back in 2008 i was struggling. Business,Housing,Debt the lot. And lost the lot,no big deal many did. Came on here and slowly got sorted out.I am fine now. But at the time i somehow started looking around America and was quite shocked in what i saw. It began when i saw how people were struggling in Detroit.Read a article one day in the Daily Telegraph from a journalist i got to know quite well. And slowly started through forums and newspapers to show my support for the people who were living in Tent Cities over there. Had a debate or two with some over there who just did no
  4. I have been struggling the last year to pay my Credit cards. I stopped paying them 6 months ago and asked for CCAs, but now they have been passed on to Debt collectors. I requested a CCA from the original credit card company at the time and they sent this reply and the CCA. How do I know if it is valid? Its a reconstituted CCA. Can someone give me some advice? thanks
  5. Hello, I would be very grateful for any advice / input on my options to move forward with my debt. I currently owe £50k to about 11 creditors. I have been on a DMP for 3 years paying £140 a month. I am self-employed, I rent and now live by myself so am covering all bills etc. I will be paying off debt until 2046 so am thinking IVA or Bankruptcy may be better solution to enable me to move forward in my life within 10 years. Many thanks in advance FF
  6. A leaked staff memo at the Department for Work and Pensions (DWP) appears to show the government is still struggling to roll out its flagship welfare programme, universal credit (UC), across the UK. More Here: http://www.theguardian.com/uk-news/2014/oct/27/universal-credit-leaked-memo-scheme-rollout
  7. Is there a way to send an LBA to Vodafone and have it read by someone who might actually be able to say "oh dear this fellow actually has good cause for action, perhaps we should stop ignoring him?" Some name or address or department I could send it to? I ask because, after having legal advice that my claim is strong, last week I sent my LBA, to their registered office address, not addressed to anyone in particular. I've just had the reply and my heart sank as I read two pages of the usual rambling, uncomprehending waffle - padded with irrelevant statistics about my account and answers to
  8. The girlfriend's car broke down so we took it to a local garage we have used in the past. The guy who owns it seems to be a decent chap and gave us a price on changing the cambelt and oil filter/oil change which we agreed to. We dropped it off on the Thursday and he told us it would be done by Friday lunchtime. Friday lunchtime came and went so we popped in to find out what was going on the (girlfriend needs the car for work which we explained at the time of agreeing to the work). The garage owner explained he was having big problems removing the crank bolt, he's tried everything but
  9. Millions of Britons are struggling with money because the economic downturn has encouraged a "live for now" culture, according to a major report into the health of the nation's finances. Around 26 million Britons are struggling with money because the economic downturn has encouraged a "live for now" culture, according to a major report into the health of the nation's finances. More than half of UK adults said they were struggling with their finances, Government-backed body the Money Advice Service (MAS) found. This is a sharp increase from 35pc of people who were having difficulty
  10. Hello there, this is my first post so hopefully I'm doing everything right! Five years ago my husband was given the opportunity to buy into the company he was working for, we had to do this using the equity in our home, as we did not have quite enough we were offered a Northern Rock Together mortgage, little could I have imagined how expensive this was going to turn out to be. Anyway five years on, we have somehow managed to meet all our repayments, never missing one. Things have been getting progressively more difficult for my husbands business and rather than make staff redundant he and hi
  11. http://www.dailymail.co.uk/news/article-2221638/Child-benefit-cuts-heading-chaos-Reforms-complicated-taxman-explain-them.html
  12. firstly I would like to say thank you for any help you can give me. For the past few years I have been paying a ccj @ £100 a month for a debt that started at £5000 (new windows) Unfortunately we ran into some hard times and couldn't afford to pay the window company. the courts told us to repay at a rate of £40 which we were doing. I was getting some work so i upped it to £100 a month not realizing that a few years later the debt hasn't subsided at all. Even though I have almost paid back the total amount I have been charged left right and center from the
  13. Hi guys, I have been looking at a number of threads and am interested in some advice if at all possible. My family and I (fiance and 3 year old child) moved to Australia about 4 and half months ago. We have been wanting to make the move for a number of years, and it took us literally 3 years to get here...so we didnt want to / couldnt give up the chance. The problem I have is I currently still owe a lot of money to the UK, roughly around the following: 15k bank loan (unsecured - never had a mortgage, etc.) about 18k on cards Up until this month, I have managed to send
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