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Found 13 results

  1. I wonder if I can ask for some help with a round floor flat....some months later I am finding that the surveyor has neglected to pick up that the basement is a fire trap because there is no means of window escape should there be a fire. Should a surveyor have flagged this up because it does not meet building regulations safety standards. The walls have been plastered and painted with wrong materials which is now causing damage to the walls and skirting as the paint is not breathable. Also I was advised that a DPC is required, however now told not to put one in as will make situation
  2. Hi everyone, I have a couple of threads on here regarding various debts but I have been informed that I need a separate thread to deal with my payday loan issue. for the last 18 months myself and my husband who were both self employed have been in a bad way financially, mainly due to lack of work but also we both struggle with mental health issues which has made the situation ten times worse. Over this timescale we have had period of weeks where we have had no income and due to being threatened with eviction for non payment of rent and with no money for basic needs like food, we
  3. Yesterday morning i was travelling into work a long the road, the local speed trap van is normally parked the the lay by but this time the van was parked in the middle of the dividing land hidden in trees Is it legal for a speed van to hide within trees ?
  4. My daughter whose oldest child is 18 and has now left school decided to take a year out and work and get a job...he earns 13000 per annum..as she recently had to finish work 3 months ago because of stress she applied for housing benefit... She sent them all the information and today has been told out of a housing allowance for the area of 91.80p week she has been awarded 16 pound a week towards the rent for herself and her 11 year old child also living there along with the 18 yr old...i Is it correct that the local authority can make her 18 year old pay the majority of the rent on th
  5. Hi there, hoping for a bit of advice here please. I was a member of exercise4less for about 24 months but I decided to cancel in October 2015. I did this via their website via 'contact us' link. in November 2015 I received an email from the gym branch manager saying my membership had "expired". However, the monthly payments continued to be taken until I cancelled again via an online form and later cancelled the direct debit. I now have Harlands emailing me saying they won't cancel my membership until I pay another 9.99 fee and the admin charges.
  6. Hi In 2005 I got the following: Together Mortgage £113000, Picture Loan £33000, Welcome Loan £21000, RBS Debt totaling £25000 credit card debt totaling £ 9,000. PAYDAY LOANS total £1200. I was in great despair as I was going through a divorce had an ectopic pregnancy and lived in a house half built. I was off work due to ectopic pregnancy and was losing money fast. On top of this my step daughter came to live with me and I was trying to help her through college etc. My ex husband was very nasty and he was due to leave the army and I go
  7. My apologies if this appears in the wrong place which I think it is, but I am new and when I tried to post in the Bank sector I was messaged 'This forum is not accepting new posts!' I have a Cardsave Merchant Services online facility which I have never used. I have been paying £24/month. I knew I was in a 12 month contract, so waited until twelve months were up then cancelled my contract. I am then told by the cancellations department that I needed to cancel before the end of 12 months giving 30 days notice otherwise the contract rolls over into another 12 months. I therefore needed t
  8. hi again folks, i just wanted to ask if anyone can give any pointers to avoiding the many traps that atos set for people? some of you will know i am currently awaiting a tribunal date...i just wonder after (hopefully please God) i win my case..how i can avoid this hell all over again? i know the tribunal can recommend that a person should not be seen again by atos for up to 2 years... but my understanding is that that is only hinted at... it is not law... and dwp can do as they like...correct me if i'm wrong here.. in my own case, i was so ill when i received a letter to fill
  9. We have all heard of the deadly ‘Amazon Fly Trap’ well now we have the ‘Amazon Market Place Trap’ equally as painful if you fall in it. This is a warning message really, although reading some of the pieces on this site it is nothing new and had I had been more on my toes and read more on the internet I would not have fallen in the ‘Amazon Market Place Trap’. I bought a "Nikingstore IDE/SATA Dual Slot Hard Drive Docking Station" on Amazon for £23.99. I received the confirmation email and again foolishly as I have been so use to and confident of Amazon’s system I just let it sit
  10. Hi everyone. Like many people, I've got myself into the pay day loan spiral and I've decided enough is enough and it's time to regain control. I'm just paying off interest and more interest, whilst my situation isn't as bad as some people's I can no longer afford to carry on with this, it will send me further into debt. Firstly these are the ones I have: Quickquid - £650 + £162.50 interest TxtLoan - £200 + £34 interest Speed-e-Loan - £225 +£63 interest I also have a Wonga loan but I defaulted on that one before Christmas and, to their credit, they were very helpful in f
  11. Hi, I've just registered with this site so I can thank all you guys for your help. I got myself into the stupid position of a payday loan hell, with 4 lenders PDUK, QQ, PDE and Wonga. Thanks to all the advice written in this forum I've been able to word emails correctly/ set up another bank account, and have made repayment plans with 3 of them, just wonga left. It is a great relief to be able to start getting my finances back on track and it's thanks to all the posters on this forum I've been able to do it relatively painless..lol It's a comfort to know your not the only perso
  12. Hi all i am currently in abit of trouble with payday loan company's all i seem to do is extend my loans its never ending. my loans are: wonga - 1000 on a repayment plan (100 month) payday express - 500 (100 ext) payday uk - 180 (40 ext) pounds to pocket - 150 30 a month lending stream - 2 loans total 250 25 a week peachy loans - 260 ( 60 ext) wonga were fine setting up a plan ive heard payday express are a pain? If i can get payday uk to set up a plan for just say 40 a month that would be fine pounds to pocket i can live with lending stream is
  13. Thousands of people are spiralling into debt after ordering clothes and furniture from catalogue companies. One debt charity receives 100 calls a day from people who have fallen behind with ‘buy now, pay later’ plans. Catalogues are often used by the housebound, young mothers, or those on low incomes who want to spread costs over a year. But many purchases involve signing up to an expensive credit agreement where shoppers are charged up to 40  per cent interest — much higher than a credit card or personal loan. And if there is a 0  per cent interest-free period, many shoppers don’t real
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