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About Me


  1. Hi Newbie here and I am hoping you guys can point me in the right direction. I've been lurking on here for a few days trying to find out various tips and information regarding my problem. I got into trouble after loosing my job in 2009. I had a lot of debt and couldn't make payments anymore. Entered into an iva in late 2010, made about 5 payments and then lost my new job and had to cancel the iva. I just cancelled my direct debit to the iva and never got in contact with them again. They eventually officially cancelled my iva in spring 2013 and started to get letters from various
  2. Hi All, just peace of mind really, since i'm not sure about it. back in the day 3 years ago. I had a mortgage which started off with Future mortgages, but the after the 2008 crisis became engage credit. eventually I sold the property at the end of 2015 - ad paid off all of the Mortgage. looking at the paper work I can't seen any PPI on it of any kind. Even when it was moved over to Engage Credit. Any Though as how I could verify if Any PPI was on my Mortgage Account? Cheers Red
  3. Hi Everyone I apologise in advance if this seems like a silly question, but I need some advice/opinion as I have been out of the job seeking market for some time. Basically I have worked for the same company for over 20 years, but due to a takeover and potential relocation of the offices I have been looking for a new job. I have been offered a new job with a local company, they have sent me a a official offer letter detailing just the job title, annual salary and proposed start date. The offer expires in a couple of days and I am not sure what to do in terms of the job employment proce
  4. Hi all I have been on a DMP for 12 years. I have inherited a little money and want to clear down the remaining debt. I have written to all the creditors and made offers of approx 30% of the outstanding amount split proportionately between them. The total outstanding is £7500 and allocated funds are £2500. I could be pushed to clear in full if I had to, without borrowing, but would rather clear for significantly less. I have so far received one reply from Cabot, the largest of the debts, refusing my offer, and suggesting I pay £3856 to clear. I've listed below the
  5. Hi, Can anyone offer me any advice on an issue I have with the FOS. I took out life and critical illness cover through a tied broker in 2012. In 2016 I claimed and my claim was turned down by the insurer as they did not know about surgery I'd had prior to applying for insurance. Trouble is both me and the wife know we told the brokers agent all about the surgery on the night he came to get our signatures after checking the application. I made my initial call on the 14/4/12, their agent visited my home on 17/4/12. The FOS got involved after my complaint to th
  6. Hey CAG, Hopefully someone can help me out with this issue. I just got a court letter issued 27th of June from MMF via Moriarty Law looking for payment from a payday loan taken out in 2011 from wageday advance for just over £400 (The claim was filled with the Northampton County Court). I went online and responded to the claim with an acknowledgement of service, however I can see that I am over the 14 days I had to respond to the initial claim and now I am a little worried that they may have already filled the CCJ. I want to defend the claim as I am 80% sure they took
  7. Over the past two years i've racked up an incredible amount of debt, it reached as much as £60k last Christmas but this has now come down to c£50k. I have a gambling problem which is where all this debt comes from and which is why its so hard to shift. The pressures of this debt, personal relationships and job insecurity have started me feeling anxiety and stress related symptoms, i don't want to over-egg this but going to the GP recently i realised that things had to change. As you can imagine the largest problem i have is being reliable with any substantial sum of money in my account.
  8. I have just found out the level of my 69 year old mother's provident loan repayments. At the moment, she would appear to have 4 active loans and a weekly repayment of £110 per week whilst living on a pension. Surely there has to be some sort of irresponsible lending going on here? Most weeks, her fridge is almost running on empty and I'm lending money from time to time to help her pay things like rent, electricity and even to make sure that there is food in the fridge! I knew she had a loan, but I am shocked at the level of it. She cannot afford £400 a month, on a pension either
  9. Hi In April this year I left my job due to bullying in the workplace and relocated to be nearer my family. As I didn't have a job to go to I wrote to all my credit card companies and explained that I would be unemployed for a period of time and wouldn't be able to make my minimum repayments. Different companies have dealt with me in different ways from continued harassment to being fairly understanding! I have always been employed and in have never missed a payment of any sort. I have now found work but unfortunately I no longer work in a city and the wages are no where near wh
  10. Having had windows 10 since inception, I have recently been to the 'store' where being silly I typed in TV. Now here is the very interesting point/part you can now add tiles and apps to get free movies TV shows and much more. The part that is worrying is it legal to install the apps and view the movies and TV shows that have not been released yet? (Goldeneye syndrome)! All of this and much more is available on the Amazon fire stick with various apps that allow you to stream the content and now for free from the store. I wont name them here but they are available on a well kno
  11. Morning, This morning, some one has called to my house and attempted to get in. I was letting the dogs out, and there was a knock on the door. So, trying to sort them out and get them back in takes a while, they are big bouncy dogs. Anyway as I am trying to get them in, there is a man with a photo id around his neck and some sort of ipad in his hands, after the first knock he was shouting 'hello is there anyone in there, pretty loud and constantly, also looking through the kitchen window. I could see him from the garden. As I got into the house I could see the handle on my fron
  12. Hi , bit of a general enquiry - not sure where it fits really. Our tree company has been broken into and the chainsaws stolen for the THIRD time ! ( In 6 months ) On the second instance - I brought in my own saw to help out as replacements are not easily found on Day1 of a theft . All the tools were locked in a steel bin and lo and behold after coming back from holiday I discovered we had been burgled again ! - My saw had also gone from the locked bin. Now asking the manager would he be replacing my saw , he said no - as he said they are not covered for perso
  13. Yesterday Bailiff Advice posted about the recent HCEOA developments but was later accused of publishing a link to an article that was some 4 years old. According to others she should have checked each link referred to in her link was correct and not out of date. So we now have a situation whereby others are going to hold us accountable for the content of external sites. Stupid is as stupid does.
  14. Hi All, I'm going to go through the facts and I'm looking for advice please. End game I obviously want to be debt free and buy a new house as I've got 3 kids and the Mrs in a 2 bedroom terrace . I want my kids to have some room, garden etc. The things I had growing up. I'm 34, 3 kids, house with mortgage equity of around £10,000 Current Experian credit score of 117. 7 credit cards = £22k 1 loan = £3k 1 Overdraft = £2k 18 months back my credit score was 900+ with around 5 years of no missed payments. I was had my own company and things we
  15. Hello…I wonder if I can have help or opinions on the following. First a little background – Several years ago when I was married I got into debt. At the time I thought I could pay it and my husband at the time said he would help with bills as I helped with his. You know a team and all that. Well to cut a long story short - we ended up getting divorced and guess which idiot was left high and dry with nothing. Me. I did try to offer small payments to these people as it was genuinely all I could afford. But these debt collectors did not want to know. And so fast forward.
  16. Hello and thanks for reading, im new to the forum so please bare with me. My mum died in 2008 when i was only 15. She had a mortgage through hallifax and had a loan secured on her house through swift. The loan was taken out on 20.10.2006 for £19,133 (I believe this was the amount with interest added on, i think she only received about £15,000. At the time she died her estate was handed to my aunty to deal with as i was too young. The market wasn't great for selling so my aunt thought it would be in my interest to keep the house on and have a tenant living there in the mean tim
  17. Hello all bare with me as I tell my tale( Or wife's tale). In April 2009 I sent a CCA request to Cap1 disputeing the debt. After no CCA only an application form I put the account into dispute, beliveing that would stop the interest. Unbeknown to me my wife used the card in September 2009 but I was still making monthly payment. At the beginning of January 2010 I wrote to Cap 1 offering a goodwill gesture but accepting no liability to pay-off the balance at a figure from September's balance minus the PPI on it, they refused. In the middle of January 2010 I stopped
  18. i, I am new to all this, think ive posted in the right place. I have received a court claim from capquest yesterday and its dated 28/2/2014. its a Lloyds credit agreement for the sum of £6188 I am really not sure about this debt. ..Ill start at the beginning: I split with my husband and left the marital home that was in april 2009. we did bank with Lloyds and we had an over draft and a loan but I thought that had been paid I really have no recollection of it. I walked away from everything I had and started again. I am on speaking terms with my hu
  19. I'm not sure if I have a case? I was a first time buyer if that helps to say in my case? Just looking through my files, the first year (aug 2001) of my mortgage for PPI all I can find is the Halifax mortgage letter saying thank you for applying for a mortgage "As the loan amount you require exceeds our basic lending limit it is necessary for us to arrange additional mortgage security. you will be advised of the fee in due course. Please note that if you are borrowing less than 90% of the lower of the valuation or purchase price we are currently paying this premium." Then on t
  20. I was looking for a place to park near a local station. There is an NPC park and ride there, with a few bays, but I've noticed there is a road that goes around the bays with no yellow lines, and it's not clear whether or not it is a part of the car park or not, as there is only 1 sign at the back. There is plenty of room to park here, and others do, but just wanted to know if it is a part of it or not. Here is a google street view link which is pointing at the place I want to park, spin around and you will see the entrance road and the car park. https://goo.gl/maps/oJRb
  21. The following customers have posted about their Npower problems on the My Npower Nightmare Facebook Group -https://www.facebook.com/groups/517771428350844 - but apparently aren't sure how to proceed. [ATTACH=CONFIG]58708[/ATTACH] https://www.facebook.com/david.hillstaylor?fref=ufi https://www.facebook.com/kreedman1?fref=ufi https://www.facebook.com/nicky.vaughan?fref=ufi https://www.facebook.com/michelle.piper?fref=ufi Unfortunately the administrator of My Npower Nightmare has blocked us because we criticised his approach and said that he was acting like some kind
  22. Hi Everyone, I'm new here, and looking for some help if I may. Many years ago, I had lots of financial difficulties and have spent the last 10 years trying to put everything in order. Various creditors were paid, some have become statute barred. Which leads onto now. I was under the impression that I was finally debt free, until this weekend when I checked my Credit File with Experian, and found that on the 3rd July, a CCJ was registered against me from Howard Cohen & Co, chasing an old joint current account overdraft of £1811.23. I haven't had any dealings with this
  23. I have recently been kicked off ESA by Atos, scoring zero points with mental health issues, I recently seen citizens advice which done the mandatorily reconsideration for me, I should have scored about 30 odd points but none of the questions that citizens advice showed me were asked, the mandatorily reconsideration phoned me the other day asking me questions, I got so stressed I couldn't do it so put the phone down due to my condition, she then phoned a few days ago telling me I still score 0 points I explained I got stressed and couldn't speak but that didn't help so I lost my coo
  24. Hi all, I have sleep apnoea (diagnosed a few weeks ago as a severe case) and am frequently so tired that I cannot work, or cannot work effectively (e.g. fall asleep in meetings, feel like a zombie all day so i can't perform up to the standard that an employer would require of me) I have lost 3 jobs over the last 5 years due to this, although at the time I was unaware of why I felt so awful. My current position is as follows: - I am unemployed. - I would like to be working and lead a normal life. - I have begun treatment for my condition but it is not working yet and it
  25. Had an appointment at the JC on Saturday - first time I've been asked to attend at the weekend - and was annoyed that my JC didn't have a cash box available to pay my (and others) travel expenses. I can get it next time I sign on but this is totally unacceptable. Now I wasn't in dire need of the £6, but there's plenty who would have needed that money reimbursing immediately, especially younger people on lower benefit rates. If you're normally paid expenses in cash at your JC and are called in at the weekend, best to get confirmation that you'll get your expenses on the day. I ha
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