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  1. My elderly mum 76 was very ill so I made an emergency GP appointment for my mother. I suspected she had pneumonia she was finding it difficult to breath, had immense aches and pains she was vomiting throughout the day. She was unable to stand up herself and was on the verge on collapsing. She had visibly got worse and worse as the day professed. Me and my brother struggled to get our mother into the car to get to the GP. My mother was in immense pain it was terrible. She was made to wait in the GP's waiting area for at least 20mins in great pain and
  2. Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell
  3. I stole from primark, stupid choice and will never happen again. The goods totalled to £53 and I was told that, because of this, the police had been notified but will not show up today. This leads me to believe I will hear from them - will this happen? Regarding RLP, everyone has said to ignore the letters which is exactly what I'll do. My only concern is the debt collectors - will they show up at my house? Or just letters? The security guard took my passport and photocopied it with my address and mobile number. The local mall security also showed up and took my details. I know I'm
  4. I was the director of a company that had a trade account with screwfix. When the account was opened it was opened in the ltd companies name and I was never told about an directors guarentee. The application form that I signed had been photocopied that many times most of the writing on it was illegible.. Stupidly I signed it and opened the account. A couple of years later the company got into financial difficulties, became insolvent and folded. I soon received word from screwfix`s solicitors that I had signed a directors guarantee and was personally liable for the company debts to sc
  5. I Phoned up to change the seats on the flight on Friday night, only to find out the hotel we'd booked into 16 months ago (and requested special assistance a few days later because they were not open when the holiday was booked) is not suitable for those with walking difficulties (nor is anywhere in cap salou apparently) I was open about my disability from the first call and that of my children but wasn't told about the resort or hotel (I'd asked for 14 nights all inclusive but left the resort open to Thomas Cook while explaning I have sever walkin
  6. Hi We started renting a beautiful home in December. We pay £1,800 a month for the house which is a hell of a lot of money. We have had a letter saying building works begin on a patch of land next to our garden next week and the foundations mean they will have to take down our fence and work in our garden! We both work from home which will be impossible with the noise. We also have a dog who will go berserk at the builders in the garden and she wont be able to go outside. We are absolutely gutted that our dream home has become such a nightmare and we will not be able to us
  7. Will try keep it brief... Aug 2017 i cancelled dd this was due to my daughter been placed with me by local authority , money was tight with everything(food on table) Due to the things happening around the case and my well being of my daughter priority i totally over looked the November dd or payments. I was spending all my time on pc doing research for my situation, tv was been used on android box iptv 24/paw patrol and terrarium kids movies January knock on door( i was up to eyes in paper work for case) let him in explained the reason for overlooking it (even
  8. I was offered a sales/ admin role for a company near me last year. advertised on indeed as a full time permanent position. nothing in the advert stated self employment. gave p45 from last job, NI number, passport and bank details. paid by bacs every week @ £260. the arrangement was for commission to be paid on top also but did no happen due to lack of business. part of my role was to drive to businesses in my own car. the owner gave me cash everyday for fuel despite asking for it to be placed in my account. after 2 months i became concerned that i had not had any payslip
  9. Hi all, I ordered things yesterday online, I selected next day delivery, but when I have just checked now, they aren't estimated to arrive until Friday? Something I ordered today is also due to arrive Friday and not tomorrow. All were prime eligible products. So I jumped onto their webchat, and spoke to someone. Turns out they have suyspended next day delivery until they can catch up from Xmas and get their drivers back. In fact here is a snip from the web chat. "Ojas: I can truly understand your concern however as you must have been aware that we had loads of deliveries
  10. Hi guys I searched the forum but couldn't find any info on the situation I'm in. I was on JSA from October to mid November 2017. I got a part-time job which guaranteed me 12 hours a week. I started that on 14th November. They gave me a contract until 31st December. However, they cut that short as work had diminished. i left my job on 14th December. In the four weeks I worked there, I worked 24 hours in weeks 1 and 2, and 12 hours in weeks 3 and 4. After week 3 had finished, I called JSA to see if I could get extra benefit money as I had only worked
  11. I was recently told that the department that I work in as a field engineer has been outsourced. The new company will take on all the staff contracts. I have been with the company for many years and would be happy to be made redundant, however they say that it is not possible as I either go over or will loose my job through choosing not to go. Is this correct or can I push for redundancy?
  12. Hi I own a small company with 3 employees only been running since April this year I had booked a holiday and 4 days before I went away one of my employees left without warning. I had no choice but to contact my local agency to employ a temp worker to cover the period I was away 10 days in all . It was quite a straightforward process with just a couple of forms to fill in and sign one of which was thier terms of business . All done over the telephone with the forms being emailed back etc . I queried the hourly rate whilst on the telephone as it wasn't written anywhere (I have never used an a
  13. Dear All Almost two years ago received a claim from Restons for £2,500 but with no details. Filed defence requesting details of claim and made a CCA request. Cabot didn't come back until a week ago, with copies of some documents, containing terms and conditions, and copy of agreement, stating that they are now entitled to obtain Judgment. Have to see if it is genuine. I have noticed that they have not provided copy of Deed of assignment, I requested. Not sure if important? Also it appears that the authorisation of Cabot Financial has lapsed with the FCA, which
  14. This is a nice story and should give hope to others with similar health issues. Read More : -
  15. Hi, Just after some clarification that I am perfectly entitled to follow my current path over this issue. I sold an IPad on eBay for £95 back in February, the buyer then told me it was damaged when it arrived. It was in perfect condition when I sent it, so I could only suggest that was damaged in transit. I asked the buyer to return it to me, so I could claim against Royal Mail for the damage & I would issue a refund, all pretty straightforward so far. The buyer contacted me saying the Ipad was packed & ready to be returned & would I issue
  16. Hi, I work a 6 week rotating rota - contract is 37.5 hours a week . Every 15 weeks we are given a "training day" which is 11 hours ( our shifts are 12 hours) . So around 2 1/2 training days a year which we are paid for and are expected to use to cover various mandatory and voluntary courses related to our line of work . It is our responsibility to arrange this training and if you start to owe the company training days e.g. not using them , they can tell you when and what you are doing as you owe them these days as your paid for them ! Anyways i am a good boy and use my trainin
  17. Hello and thank your reading, I unfortunately suffer from the following which I take medication for: Spinal Injury - Long term disability affecting movement, loss of feeling in legs and feet Chronic Pain due to spinal injury and herniated discs Depression ADHD I missed my Work Capability Assessment as I had an infection, I called the centre prior to the appointment to tell them and I also visited the GP and obtained medication.I was told that I would receive a letter from the DWP asking why I missed the appointment. I subsequently received the form, I completed the form com
  18. I bought a diesel Volkswagen Passat estate car around a year ago from a local car dealership. While my wife and I were out for a test drive, I made sure to ask the salesman if the car had been affected by the VW emissions scandal. The salesman told us that it was not as they had checked. However, I recently received a letter from Volkswagen stating that my car was indeed affected. We would not have bought the car had we known that it was affected. What are my rights in terms of the dealership? I have no written or recorded record of the conversation, bu
  19. So i'm having a bit of a dispute with our house insurance, long story short, my husband didn't close the shower screen properly and left the bathroom with shower running for a period of time, I walked into my kitchen to find it had all collected into a bubble and burst through a hole in the ceiling causing damage to the walls, floor and plaster. Insurance told us we could claim through our escape of water and had to give them two itemized insurance quotes. We massively struggled to get these quotes with several traders not turning up or wanting to charge a fee to produce them, we asked if
  20. In 2002 I had 969 pound in a pension pot. I was advised to not transfer it into my new works pension as it would do better left with Rothschild. I have just rang to find out whats in the fund and was told zero due to charges cancelling out the fund. Im mad as they have not sent an annual statement in the last 14 years. Ive just spoken with the press who seem interested. Regards
  21. Hi I wonder if someone could help me? I've had a wart on my finger for quite sometime, my NHS doctors tried freezing it with a nitrogen gun on a few occasions which didn't work & I tried various ointments I purchased at the chemist or online plus various alternative methods but the wart just got bigger. My last visit to the doctor I was told that I would have to go private because the NHS didn't cover the removal of warts. I paid to see a private consultant who prescribed me a stronger acid treatment the prescription of which has been referred to my NHS doctor who apparently can pre
  22. Hello, I am in pretty desperate need of advice! I rented a unit to use as a photography studio around 18 month ago. When I looked at the unit, there were a few leaks, which the landlord said he would repair, but never did. I carried on paying rent, but not using the unit as a studio, more of a storage space, as the leaks prevented me from having my equipment set up. Fast forward to December (my dad was incredibly ill and passed away in the August of last year, so all of the unit leaking and not being able to use it went right to the back of my mind) the land
  23. we bought a lodge to live in was informed by holiday site this was ok, we spent £82k on this my life savings this was in November 2015. since this happened I have been diagnosed with primary progressive m.s and decided to sell up and return home to Huddersfield. we informed the site and they have said they will buy it back for £37000 clearly we are all in the wrong business, since this happened we have found out how much they do this I would be very interested to hear from anyone who has purchased anything on sand le mere park in tunstall hull and h
  24. What a load of politically correct rubbish, this woman it just out to make a name for herself, get a life, big ego trip, get her name on the front page in the press, nothing offensive in it these people will look to find fault in anything. Exeter Chiefs urged to change 'offensive' name by Native American expert Calls for Premiership rugby club Exeter Chiefs to scrap ‘Red Indian’ theme because fans dressing in headdresses with toy tomahawks is ‘offensive’ Calls for Premiership rugby club Exeter Chiefs to scrap 'Red Indian ... https://www.thesun.co.uk/.../calls-for-premiership-rug
  25. Last Wednesday, completely out of the blue I was called to a meeting at my HO and told that due to restructuring my job is at risk, the company produced a settlement offer and has given me a week to think about it (unlike 10 days as in ACAS guidelines) They refuse to announce the nature of the restructuring, just that I don't fit within it and if I decline the offer then I have been told in no uncertain terms that I will be made redundant and end up with less money than they are offering. Although I don't know (and probably never will) I am almost certain based on noises from the pas
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