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Found 9 results

  1. Hi, I had an account with Natwest, which was shut down about 6 years ago. At the time, I had my Overdraft of £1800 (all owed), a loan for £1000 (£897 remaining), and one for £5000 (£3976 remaining). Due to my financial issues due to illness, I'd had to live off what little credit I had, and after a few months of being unable to keep above the maximum 1800 Overdraft (frequently going to £2000 when bills hit) my account was closed Following this, I was taken to court and something (I forget the technical term now, sorry) was put on my house so that when sold, my ou
  2. Government moves towards a shake-up of broken housing complaints system READ MORE HERE: https://www.gov.uk/government/news/government-moves-towards-a-shake-up-of-broken-housing-complaints-system
  3. Dear all I would be very grateful for any help with my situation. I had a SPO following mortgage arrears (£3600) in 2008. Since then I have been making my contractual payments but had missed payments on three occasions from unexpected expenses resulting from direct debits being returned unpaid. I was in a particularly bad financial condition in the last 6 months following an elderly family member falling unwell while abroad. The mortgage arrears accrued to £3400 again and the mortgage company ( a subprime lender) has now applied to the court for a warrant for possession.
  4. Hello I am in receipt of CB ESA with the support component having been migrated from Incapacity Benefit several years ago. I also receive DLA High Rate Mobility and High Rate Care. I had no entitlement to Income Related benefits as partner was in full time employment. New scenario - Partner has to leave employment due to chronic lung condition. We ask at Jobcentre how and who should claim. Were told partner should make separate claim for ESA which he did. Was placed in support group without a medical. When he asked for housing costs (SMI) to b
  5. Hi there I defaulted with a loan with Northern Rock (or NRAM) who then secured a charging order on my home on the 13/3/2007. (My name is the only name on the mortgage and for clarity no regular payments where instructed to be paid) Roll on to now and NRAM have sold the debt onto Marlin who are now hassling me for payments. I got a court letter through the other day which was a "substitution of claimant notice" which im assuming means Marlin now legally owns the debt completely. I've done a search on Trustline and no judgements are showing against me which i
  6. Good afternoon, Having just joined the site I wanted to introduce myself. I've just turned 35. Am married with 3 kids. This is important because I nearly lost them. I am a recovering compulsive gambler. This isn't seen as an illness to anybody except another compulsive gambler. My last bet was march 2014. I actively attend GA meetings to prevent relapse. Its taken me this long to rebuild trust in my family. My life is miles away from the despair it was in when I gambled, but I still have evidence of my problem in the form of a mountain of debt. Although
  7. My living expenses at present are, I pay £18.00 per week for gas and electricity on a budgeting plan,I am a low energy user. I pay £4.00 per week towards council tax. I pay £7.00 per week water rates I pay £8.00 per week for a budgeting loan I pay £6.00 per week towards soap, wash powder, toilet roll, cleaning materials and so on. Total out goings £43.00. I do not have a TV so I do not have to budget for a licence nor do I have any debt as I rely on the budgeting loan to buy my clothes and cover any household expenses repairs/ replacements etc which gives me roughly £15
  8. My employer charges me over £100 per month that they state is a contribution towards the cost of my van. Listed on my payslip as van hire. I am not permitted to use the van for any personal use. I have never given permission for the deduction but have been informed by them it is lawful even though there is nothing in my contract regarding this deduction. Can they do this? If so can I claim anything back from my tax?
  9. Does anyone here agree? I wanted to make sure it wasn't just me they are being biased torwards so I put a facebook status asking people and I had quite a few responses agreeing. Please i'm not the only one who thinks it. From my experience (i'm not an ebay store or anything. I've just been selling some old clothes that don't fit me anymore having gone up a few dress sizes and no money after finishing university (even though it's been a year since) and i've noticed that literally EVERY TIME a buyer opens a case against me 100% of the time they win! Ebay.co.
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