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About Me


Found 18 results

  1. Hi, I am disabled and my wife is my full time carer.l receive ESA and my wife receives carers allowance.We have been trying to understand the figures HMRC have sent us regarding our tax credits. My ESA is income and contribution based (l rang ESA and asked how much is income based and how much is contribution based but l was told they couldn't give me those figures). I have my P60 which says my ESA benefit for the year was £7,783.68 and the taxable amount was £5,842.61 The letter from HMRC regarding our tax credits says my ESA taxable benefit is £7774.50
  2. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Reference Agencies.pdf
  3. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Reference Agencies.pdf
  4. I had a bit of a battle as I think I narrowly missed being a victim of the 'refund spoof' but because I fought hard and won my appeal against the buyer who initially opened and won a 'Returns Case', I successfully got it reversed and they sent me the following message and I'm not sure how to interpret: ""We've reviewed your concerns and have reversed the outcome of the case. You don't need to take any additional action to reimburse eBay for the refund paid to the buyer, and eBay will make no further attempts to seek reimbursement from you. Because we decided in y
  5. I currently get £23k a year on PAYE as a salary. I'm leaving my job due to work pressures. I am going to be working for anther company doing the same thing, but as a contractor. I will be getting £2000 a month exactly. I am now trying to work out if I will be better off. Since I have just realized that I won't be getting holiday pay, meaning the 6 days I have booked off next month will mean I will lose close to £600! Someone else I've spoken to seems to think you can claim back on many things you buy as a contractor, so would be better off? Have I made a mistake? P.S How bad wo
  6. Hello A few day's ago i had my first home assessment with the change over from my old DLA, i have anxiety problems and not able to go out socially with my agoraphobia and i also suffer from painful joints with my arthritis. My home assessment was at 10 am the Assessor turned up 10 mins early a woman, she seemed ok at first but as the assessment went on she became quite abrupt and over voiced her opinion over mine which was very annoying? I had a friend with me noting down some of the assessors questions and the way she was trying to see if i was getting stressed with the questions b
  7. Hi, I am new here but been reading a lot of helpful info and thought id post my own question for clarification. I have a default on my account ... (as is the way when you are young and stupid ) anyway it is about to close and drop off my file this month and next. I read here that accounts drop off after the last listed default. There is one account i have default registered 2008 - first one but there is a debt collectors agency registering a default somehow ... last year ... i am viewing this via a credit report that gives the monthly status of the account and goe
  8. Hi. I just have a question regarding ESA. My husband had spinal surgery in October and has been on ESA since the end of September. He has received a letter saying he has to attend a medical on the 13th February but thats the day he is due back to work and all being well he will go back that day. Do I ring and tell them that he is back to work that day and they should cancel the appointment for the medical? Many Thanks
  9. Question: How many days in a week? Answer: 6 Saturdays, 1 Sunday Question: When is a retiree's bedtime? Answer: Two hours after he falls asleep on the couch. Question: How many retirees to change a light bulb? Answer: Only one, but it might take all day. Question: What's the biggest gripe of retirees? Answer: There is not enough time to get everything done. Question: Why don't retirees mind being called Seniors? Answer: The term comes with a 10% discount. Question: Among retirees, what
  10. Hi, i'm new here, so please bear with me. I probably haven't put this post in the right thread, benefit fraud, so will look there if its moved. I just can't seem to see how to start the thread in there. So, as per u tube I have stuffed it here. Its been almost two years since I was called into dwp office (not under caution). They said they had a flagging system in place that tells them when someone has more savings than supposed to. I believed the amount was £16,000, as my mother had mentioned this. how did their flagging system not tell me at £6,000? So anyway, I have severe
  11. Hello Having reviewed my credit file recently one of my debts has been logged as in default since September 2007 so is this now statute barred? Also what I can't understand is that all my debts went unpaid at this same date when I lost my job but some show as defaulted as late as 2013. These debts have been bought by IND & Capquest but I haven't made a payment so how do I find out how this has occurred ? The Capquest debt shows August this year as the default date and ind in 2009 but this is impossible. Thanks to anyone who can help Exasp
  12. Hi, Well all my debts are now behind me with Lowell the last ones to acknowledge it was game over and sent me the letters to prove the accounts were now closed....well they were 10 years old. I bit the bullet and decided to see what my Credit File was like as for a couple of years things have been steady for me and I have been able to get credit. The reason I decided was I was offered credit at a good rate last year but this year just out of curiosity when I did an online cost checker at my bank, the interest rate offered was 29.9 percent..... My Credit score 783, showing as fair and I
  13. Hi, great and useful forum I am currently working on a program to assist me in managing me money, I have had great success with most of the creditors and can get accurate data months and years ahead but some catalog creditors seem strange for example : Credit Limit = £1400.00 Prev Balance = £1140.38 Int Added = £34.22 Balance = £1174.60 Min Payment = £62.92 APR = 39.9% (34.1%) = 2.843 in every £ 1174.60 / 4.17%(1/24) = £48.98 remainder = £13.94 any guesses as to what the remainder is? I have called the catalog but the operator was much help (go figure
  14. Hey I'm currently facing disciplinary action at work and was looking through the previous posts on this site regarding the law with recording and watching members of staff. A few weeks ago I was put under investigation over taking an 'unofficial break' during work hours. I was in my department, had finished the majority of my work, it was a quiet day and the cameras had supposedly seen me sitting on the floor doing no work (sitting on the floor is quite common with many staff due to the bottom shelves being hard to reach while standing). I work for a large retail company wh
  15. Hi I've been visited by an enforcement bailiff for overdue council tax and have spoken with him over the phone, I have not let him in my house. I have offered payment in installments but can't afford to pay very much. He has told me the full amount of £2000 needs to be paid by Jan 7th as this is when this years tax ends. He has noted my car details on a notice of seizer. I have also emailed the council today direct with my offer. Can anyone tell me where I stand and what I can do, I just want to pay this off but can't do it all in one go. The bailiff told me he doubted my offer would
  16. I'm in arrears with a secured loan but trying to work out which is right and which is wrong on my statement. An example of what I've been trying to fathom out. Installment due date: 117.87 = Arrears 2.990.84= Balance=4.739.97 card payment : 20.00 = Arrears 2.970.84= Balance=4.719.97. monthly admin fee : 60.00 = Arrears 2.970.84= Balance=4.779.97. interest : 48.76 = Arrears 2.970.84= Balance=4.828.73. simple interest : 9.09 = Arrears 2.970.84= Balance=4.837.82. The 60.00 per month is for the second class franked letter
  17. Can those more knowledgeable please confirm my understanding of recent cases... I have received a number of letters now for overstaying a free period of parking and the advice I took from reading this and other forums was to ignore which I have done so far. However 1. With the Parking Eye v Somerfield case...is it correct that the judge has said that the initial or lower charge is acceptable and therefore enforceable should a claim be made at a small claims court but that the higher amount is a penalty and therefore uneforceable.. 2. that the VCS tax tribunal case stated that only th
  18. I recently checked my credit report online. - something I had been putting off doing for a long time:| 2 of my debts showed D = default, but only for one month and then blank afterwards. If a debt has gone into default, would it not show continuous D's for the remainder of the period? The rest of it was good news, I was suprised how good the rest of my track record is, apart from these two, which of course were a parting gift from my ex!! Any ideas folks?
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