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  1. Well good old Gordon Brown or was it Laudy Fraudy in the New Labour govt who tried to stop the DWP from issuing these because the DWP always gets things right as they stated in a Parliamentary question response. Uproar followed by a U-Turn occurs rather quickly iirc! Well after the DWP quietly stopped collecting statistics on their food bank referrals.... just like all that other data they claimed they didn't collect but was released after massive fight even ignoring the Information Commissioners Rulings. They've actually gone and done it! Stopped all referrals to food banks...
  2. Was called today by I.C.B..... Definitely something to do with motor insurance.. I went through 'security' and when they asked for my address I refused but give the my name and DOB... They said I have not passed security and hung up.. ha! I called Premium Credit who work with Adrian Flux to take credit payments said it is nothign to do with them (that's who I am insured by). So what do I do here? I realy don't care about my credit score because it's to pants is the whole scoring system anyway... But yeah would like to know what's up with these cowboys.
  3. My elderly aunt went into residential care last week and I want to give myself time to work out what's best to do with the house. She is totally self funded and there's no need to sell. Her CT was paid up front last April for the whole year. I know the property would be exempt CT for a while but all the wording I find on the subject says 'until the house is sold'. Does anyone know if there's a limit on this? If there is can I just let sleeping dogs lie until next year and pick when I get my free six months - or whatever it is. I don't want to apply for a refund of monies already paid on
  4. When the Taking Control of Goods regulations came into effect in 2014, they not only provided a much clearer and fixed fee scale, they also introduced a fairer system whereby, in order to keep bailiff fees to the barest minimum, (of just £75) the debtor is given the opportunity of avoiding a personal bailiff visit (and an enforcement fee of £235 being applied) by paying the debt (including the Compliance Fee of £75) by the date outlined on the Notice of Enforcement....or alternatively, by agreeing a payment arrangement with the enforcement company. Most payment arrangements are for a short per
  5. Sexual abuse of cadets 'was covered up by officials who urged victims not to tell police' READ MORE HERE: http://www.telegraph.co.uk/news/2017/07/04/sexual-abuse-cadets-covered-officials-urged-victims-not-tell/
  6. Hi, I'm hoping someone here will be able to help. I'm at my wits end. On Wednesday last week the police turned up at my house and arrested me on suspicion of fraud. (A complaint made by my sister and about which I was interviewed on Saturday - I've done nothing wrong and hopefully that is what the result will be) On Thursday morning my Housing Benefit was paid into my account and I was able to use my account. By Thursday afternoon the money had vanished. I couldn't get hold of my bank immediately so I transferred my savings (only £100) into the account - assuming it was just an error
  7. Hi all, Sorry for this but where is the appropriate sub-forum for BT complaints?
  8. Trying to hold it together ;(. Had lots of death in the family and sunk very low. Debts have mounted and I buried my head to cope. Went to debt charity but was told to think about getting a debt relief order. Then today told there is a chance I could be involved in a family biz but would need to NOT be a bankrupt or in an iva/dro. it's given me some hope for future, relation said they might be able to get together 10%?? for me to do a f&f. If I could emerge from this hell hole I can't tell you how fantastic it would be. I appreciate my credit file will be awful for 6 years no matt
  9. Hi My poor little car had a poorly radiator so I bought another car, transferred my insurance in Nov 2016 and set about repairing the first one. The first clue I had that something was a bit amiss came late November when i tried to buy some temporary cover for that car was rejection as they declined insurance saying the car was Cat A/B. I have had this car 5 years.It has never been dented let alone had a serious crash so I thought they just did not fancy insuring a 2.5 L car on a temporary basis. The second was a keen buyer who wanted to check a few things out and never got back to
  10. The Taking Control of Goods Regulations 2013 came into effect in April 2014. A significant change to the regulations was how bailiff fees are to be deducted from any payment made. This is explained in detail on the following STICKY: http://www.consumeractiongroup.co.uk/forum/showthread.php?453047-Bailiff-enforcement-Setting-up-a-payment-arrangement-and-whether-you-can-pay-the-court-or-the-council-direct Almost as soon as the regulations were introduced, local authorities around the country were inundated with Freedom of Information requests to ascertain whether or not the council wou
  11. Hi everyone, I'm just new to this and have never been able to talk about what I've been struggling with so want to start by writing it all down and getting it out of my system. I know it's a long story but support is really all I'm after right now (and any experienced advice!) . I'm 19 years old, Male, A student and I work part time. I've previously worked full time and had good paying jobs and didn't have a worry in the world until I turned 18 and had my first "offer" letter from a credit card company. I applied, and was rejected. Then I got deep into the inte
  12. It's just a cash gift to me as he's "splashing the cash" after the sale of his deceased parents' house, but I don't know if I should declare it to the DWP, because they might then decide I don't need the ESA or HB at all and just use that money instead for a couple of months. I wouldn't put it past them, frankly. What should I do?
  13. Hello again Caggers, On 21st April 2016 I wrote to the LA to requesting them to end my claim for HB & CTA on 22nd April 2016. They have only just replied and their letter tells me I will shortly receive "an entitlement letter" to confirm and also, as I requested an updated Council Tax Bill to confirm the new amount owed and instalments. Then there is this line..... "Please can you let us know why you wanted your claim cancelled" I don't wish to tell them why I ended both of these claims. There is nothing sinister in my decision. Do I have to tell them
  14. Cleaning Jobs. Well old Tawnyowl decided due to one of my entrepreneurial adventures not moving fast enough yet to pay all the bills to do a little work in the evening. Not in perfect fitness but can graft flat out for a few hours before tiredness creeps up. So thought to myself i know you need work in the evenings or early morning,you will become a office cleaner owl,that is the answer to your problem. So managed to find one,negotiations were held,prices set and went for it. I work with another person in this adventure who is far more experienced than myself. Has been a caravan
  15. The weather and how it affects us here in Great Britain. I must admit having worked in construction and now roaming the beaches each day collecting driftwood i tend to keep one eye on the weather forecasts and one eye on the stormy seas and the other eye on what i am collecting. This winter the Atlantic has in my mind spoilt the fun for those of us who could be called coldies. Snow has been forecast week after week only to be blasted out of the way by the jet stream and its warmer air. However for the first time this winter models are suggesting and seemingly agreeing at the m
  16. E-cigarettes will be prescribed on the NHS for the first time in the New Year but ministers are said to have tried to keep the move quiet over fears that GPs would be overrun by people demanding them. Doctors will soon be able to hand out the device to smokers who want to quit, a move that will reportedly cost the NHS in the region of £20 per kit and £10 a week for each patient's cartridges. But public health minister Jane Ellison is said to have hoped that the government could keep the news under wraps until the e-cigarettes are available via prescription in 2016. R
  17. Get your wallets at the ready and your running shoes on; it's time to grab a bargain as Black Friday is almost here. Despite being an American tradition, falling on the Friday following Thanksgiving in the United States (which is the fourth Thursday of November), the annual shopping bonanza has gone global with hundreds of retailers around the world slashing their prices to tempt shoppers with big bargain deals. Source-Link When is Black Friday PLUS everything else you need to know about it http://www.getreading.co.uk/whats-on/whats-on-news/black-friday-plus-everything-you-1017
  18. After realising there are many craftspeople about.I thought it would be nice to open a thread for many that work this way. Whether full time or part time if there is such a thing. I realise many put many hours in perhaps for little return,but are happy to create. If you do such a thing whether for profit or fun tell us what you do and maybe send a photo or two that shows your craft. I do not know what many do but would like to know. You could make cakes,you could bake,you could embroider,knit,carve.I have not a clue what you may do but would like to know. Are you a craf
  19. Greetings all. A bit concerned about something, and google etc yields no answers... I'm currently on contributory-based ESA- but have had a change in my living situation, and I've been told to fill in an ESA3 form. This is to update them on my change of circumstance, and also because I might qualify for an income-related top up to my ESA. In one section, the form asks 'Do you pay a private landlord...for the place where you live?' and if you tick yes, 'Please tell us their name and address.' I'm concerned about filling in this information, since I don't want to inform my l
  20. HI Ive got a start date for a job for 15 hours a week ( 1st June). It is my first job since a major breakdown last year, ( suicide attempts, irrational behavior, [paranoia etc etc) I am on ESA now since January 5th and have my assessment a week on Saturday. However, do i tell them about my job offer at the assessment? I am terrified of people, being assaulted, being raped, etc When do i tell the DWP, i have the form ready to fill in. I need this job to help me back to my old self so i can look at getting back on my feet and getting back in to permanent work. However, without the ext
  21. Hello, I'd be grateful for any advice on the following; I made payments to Lowell via standing order and have been informed by them that I have now overpaid. I requested they refund the overpayment to a bank account and received the following response: "Unfortunately we are unable to refund straight into a bank account. If you are not wanting to transfer the over payment to another account [they now tell me I have one other open account with them] you would need to speak to your bank and complete an Indemnity Claim. This will allow you bank to pull back the f
  22. Hi, Is there a way to tell if an employment tribunal judgement has been made in default? I took my ex-employer to the ET, and, long story short, got a judgement for unlawful deduction of wages success. I was not requested to attend court, and heard nothing more on the subject for a while until I received the judgement in the post. It just says "JUDGMENT, The claim for unlawful deduction of wages succeeds and the respondent is ordered to pay forthwith, the sum of £xxxx.xx to the claimant. After the fourteen day of "interest free" deadline had, passed. I chased up the respo
  23. I am due in court a week on Thursday for an old credit card debt which was sold to Lowell in June 2013. I received the claim form from Bryan Carter back in September and asked them for a copy of the credit agreement upon which they are relying prior to entering my plea. They refused to do this and I filed a defence on the basis that they could supply no proof of this debt. They then sent me a Tomlin order to sign to avoid court I again asked for a copy of the credit agreement which they again refused. Today, they have filed their witness
  24. Hello everyone, I will be leaving the UK soon to move to Australia and set up a new life with my partner. I have debt on credit cards and loans with a few different banks. With circumstances over the next couple of years probably won't be in a position to pay them back. As I need to move to Australia soon I was just going to move and then when I was in a position to pay them back personally and financially in a couple of years get in contact with the banks then. My question is, is it better to: 1) Just disappear and not tell the banks I have moved to
  25. If you are disputing your energy bill with your supplier, it can be a very difficult and heartless job. Gas and electricity suppliers occupy a dominant position and frankly there is not a lot of competition. Once they get you on board it looks as if customer service goes to the wall. We are seeing a huge number of complaints about billing by energy suppliers. Npower is a particular concern but the others are not far behind. Did you know that your electricity supply and your relationship with your supplier is governed by the Electricity Act 1989. Did you know that if you are
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