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  1. Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape. He will be remembered as having cultivated such valuable lessons as: - Knowing when to come in out of the rain; - Why the early bird gets the worm; - Life isn't always fair; - And maybe it was my fault. Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His he
  2. Hey, im hoping to get some advice on a debt that just won't go away. It started when I got a contract phone from 3 uk and the phone didn't work properly. I asked for a replacement but they said they could only repair so it went off for repair for a week and I got stuck with one of there lender brick phones. Then I got it back but it still had the same problem so again it went for repair and I got the brick lender phone again. Week later I got it back and still was broken, so i went in saying replace this or I'm ending the contract. They offered to send it away again I refu
  3. this is the 3rd POPLA success from 3 challenges against Northern Parking Services. Mine was the first last year, a work colleagues was second late last year(he got the decision in february. This third is for a pensioner friend of mine. They were all from the same place ,Cross street retail park,Long Eaton,Nottingham,NG10.
  4. I would like to know what the clearing times are for payments made by the DWP. I have heard some benefits are 5 days and others are 3. is this true? I had a payment released on Wednesday by the DWP so I would reckon I would get that Tuesday, Unless someone can correct me. I think this kind of information would be helpful to people here, The DWP are worse than useless at letting people know information like that. I'm sure someone here will have some knowledge about the process and I like many others will be grateful for the info.
  5. Hello, Im currently claiming ESA. I spoke to an adviser today asking when benefits are released from the system. I asked as I dont want any mistakes with my payment leading up to xmas and wanted to make sure if it was released. The adviser said that It hasnt been released She said if I dont get paid then to call back. I get paid every 2 weeks on a Thursday and thought payments were released monday mornings for payments on Thursdays? I called around 4pm if thats any help. Does anyone know when ESA payments are usually released for payments on a Thursday please?
  6. Hi could you tell me is there a law that says a GP has to see a patient in x amount of days/weeks? My neighbour has tried to get an appointment with his GP and cannot get in until the new year!
  7. http://www.mirror.co.uk/money/high-street-banks-charging-customers-8381277 Got to get back some of that money they have been fined over the past couple of years !!
  8. Looking for some advice, Wife works in a primary school and has been late on a number of occasions 15 in total since Nov 15. most of this has been due to our daughter now 2 having problems with nursery attached to the school she works in. Headteacher pulled her into the office about it and gave her a management instruction and told her if she was late again it would go to a disciplinary. She explained to the headteacher that she was actually waiting to speak to him about the times. she said someone had been altering her signing in times on the fire register giving and example of
  9. Dyson Airblade hand-driers spread 60 times more germs than standard air dryers, and 1,300 times more than standard paper towels, according to research published in the Journal of Applied Microbiology. http://www.msn.com/en-gb/news/uknews/dyson-airblades-spread-germs-1300-times-more-than-paper-towels/ar-BBrIqCG?ocid=spartandhp
  10. I haven't been on CAG for a while for the last 18 months I have had an ongoing battle with my electricity/gas supplier who have applied 3 times for a Right of Entry. Each time I have attended the magistrates court to contest the application and on two occasions it was refused and on one withdrawn . I just wanted to say it can be done and if you present your case calmly give an overview, a chronological history of who said/did what and when, actions you have taken, what you would like to happen and a conclusion, then the magistrates, at least in my experience, seem to
  11. Why are the times on current posts (It's now 03.46) reading 02.46 ???
  12. Hi, I took out an on-line Times subscription in June 2014 which is due to end December 2015 (18 months) In January my payment method changed and early Feb I rang customer services to provide them with my new payment method and to make two payments to bring the account up to date. Early march I received an email informing me that my subscription had been cancelled (by them) on the 21st Feb and that the whole subscription was now owed and if not paid court proceedings would begin. I called them and explained two payments had been made and the account was up to date. They could not find th
  13. Hi lovely people, I haven't been on this site for ages but I remember last time I had a problem I found it invaluable. Right, this is a long and complicated juicy nightmare ebay problem which I refuse to back down from. To start with, I bought a perfume from ebay - all looked fine on the description, seller had good feedback so I went ahead and bid. On receipt of the perfume I noticed it was a blatant fake and contacted the seller straight away. She seemed friendly and said it was a gift and had not realised it was a counterfeit as it was sealed. We ar
  14. Purchased a car from a main dealer who in previous experience we had received good service. However, purchased a car almost £7k, low mileage, service history, 12 months warranty and MOT. Payment was part cash and part finance. On the original test drive we heard a noise and was told by the salesman that it was the brakes from being parked for awhile and would soon settle down. To be reassured, we took another test drive in it at different time of day on different roads and the noise was quieter, albeit still there. The dealer agreed to carry out a full service and MOT at no extra charge an
  15. 'E-cigarettes are more harmful than regular tobacco with (up to) 10 times the level of cancer-causing carcinogens, Japanese scientists have claimed' http://www.ibtimes.co.uk/new-research-japan-claims-e-cigarettes-contain-10-times-amount-carcinogens-regular-tobacco-1476932
  16. Most of the major energy companies in the UK have reduced the time it takes customers to switch suppliers to 17 days. That’s down from five weeks last year but still short of the Government’s target of 24 hours. This means that the switch will take just three days, followed by the statutory 14-day cooling off period in which customers would be able to cancel the move. So far, The following suppliers are offering switching in 17 days: British Gas Ecotricity EDF E.on First Utility Good Energy Npower Spark Utility Warehouse GnERGY
  17. Interesting PPI article on page 84 of the Times today.
  18. Pensioner collects £5,000 windfall after contacting scheme to find out why he hadn't won for a decade Gerald Sargent thought he might be unluckier than most. While friends and family seemed to be regularly winning cash prizes on the Premium Bonds, his numbers had not come up for years. So the 80-year-old contacted National Savings and Investments (NS&I), which runs the scheme, and was staggered to discover that he had won 124 times over the past decade. He is now celebrating a Christmas windfall of £5,325 after the cheques were mailed – plus a 125th pay-out for
  19. Hello, OK it's probably a teeny tiny bit early to ask this question but I was wondering if anyone knew the dates the Job Centre will be open during the Christmas/New Year period this year? They usually release the dates on a website somewhere but I cant find it. I want to go spend Christmas with my sister in Peterborough this year (I live in Leeds) and one of my signing days falls on Friday 27th December, knowing my luck it will be open on that day and I will have to rush back to Leeds to make my appointment at 9AM lol. Someone told me you can book a "holiday" from signing
  20. Finally realised that we ( my wife and I ) have a debt problem after many years on the hamster wheel of borrowing to pay off existing debt. In the process of speaking to debt management charities to get things started, any advise gratefully accepted. For those of you interested I will post progress good and bad as I have read some posts on this site that have helped with deciding to take the first step.
  21. An investigation by The Times into Lloyds Banking Group has found contractors employed at its largest PPI complaint handling unit were taught how to “play the system” to the detriment of clients. An undercover Times reporter went through the recruitment and training process to work as a PPI complaint handler at Royal Mint Court in London. According to the paper, the reporter was told: • Some bank salesmen had faked PPI information in agreements on loan sales; • Complaint handlers should effectively turn a blind eye to the risk of fraud; • The majority of customers would g
  22. Since February 2012 some people have had to wait almost 11 months for their FLR(M) visa application to be processed by the UKBA . Although most of us don't believe in miracles, it seems that the UKBA is now starting to get on top of the backlog, although they still have a good number of 9+ months outstanding. For people who applied after July 2012 the processing time was 3 months, which as many UKBA responses on the FOI site point out, they do everything date order .... erm!!!!!
  23. I have already submitted a ppi claim to Natwest which I believe is with the calculations dept! 2 questions really. 1) They have just requested authority from my husband as the main policy holder which has really bugged me as this is the first time since the claim was submitted so surely they should have requested this before. Delay tactics? 2) We are on a DMP with cccs atm and the company I am claiming against are 1 of our creditors. The claims are for 4 closed loan accounts. The remaining loan account has already been ccj'd and has a court order to pay a set amount each
  24. I have two defaults on my CRF which come up for 6 years pretty soon. Another creditor has just placed a default 4 years after the account defaulted. I know OFT Guidelines state between 3-6 months, but they're only guidelines not law. This means my CRF is now wrecked for 4 years longer than it needs to be. Is there anything I can do?
  25. And the DVLA does nothing And the BPA does nothing (no surprises there) And they try to tell us that POPLA is independent!!! Oh how we laughed.
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