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Found 13 results

  1. My daughter told of this site and how it had helped her over the years reclaim unfair charges and it has been extremely helpful to her over the years, I know she donated several times and so I decided to register myself. My daughter has suffered severe trauma over the last 12 months and I am very pleased to say that she is in a much better place now. I am trying to sort her finances out, she is unable to work presently and unsure at this time when she will be capable of working. I was considering writing to the companies she owed money to explain what's happened to her and ask i
  2. I wanted to ask for some advice for my husband. My husband works in a factory. The building is massive. As of late his employer has started turning off the heating during cold weather. His boss is saying that the heating will only go on between the hours of 6AM until 9AM. Nobody apart from the supervisors are allowed to touch the heating without his permission. Today, where he is it was 13 degrees. The boss is also saying that if anyone goes off sick for 10 consecutive days, he will refuse to pay for bank holidays. Is this also legal!? There is also
  3. Hi guys, firstly sorry if this is the wrong section but im a bit lost! I have been attempting to deal with my defaults on my own but seem to continuously hit brick walls so i was hoping for some help. I have some large defaults on my credit file. A company called Mkdp LLP currently own them according to my file. One is an HSBC credit card for a little over £5k, this appears twice. Once for HSBC and then again for Mkdp in a slightly higher amount which i assume is due to the addition of their fees. To me it seems obvious that one or the other of these should be removed as they r
  4. Hi, I have been frequently told by my neighbour to reclaim PPI-he used a reclaim company. I always replied that we never took out PPI on any loans that we had, except one and that proved to me we didn't need it. The one time we did take it out was about 25 years ago, I think it was one of our first loans, my reasoning for not taking out PPI was 'my husband is a lorry driver and if he lost his job he could always get work from an agency so will never be out of work to claim for PPI'. So now I will investigate as many loans as I can remember to check
  5. Please read this very carefully. As you may be aware jbw enforcement limited has recently changed name and has also been reincorporated. As follows : J.B.W. GROUP LIMITED MIDAS HOUSE 62 GOLDSWORTH ROAD WOKING SURREY GU21 6LQ Company No. 04118149Status: Active Date of Incorporation: 01/12/2000 Country of Origin: United Kingdom Company Type: Private Limited Company Nature of Business (SIC(03)): 7487 - Other business activities Accounting Reference Date: 31/03 Last Accounts Made Up To: 31/03/2007 (FULL) Next Accounts Due: 31/01/2009 Last Return
  6. Hi all. Not sure if this is the correct place to post, so please move it as needed if necessary. A friend of mine has just visited me with quite an alarming story, or so I think. Unfortunately she has learning problems and other difficulties which clearly will show in the following. I find it difficult to see how this has happened and she is unable to answer my questions properly, so I thought I'd seek some help from you guys. this is the problem. On August 13th 2014 she went on-line and applied, or so she thought, for a loan. She was charged a fee for thi
  7. Ok hope i can get some advice here as the situation with my wifes employer, just doesn't seem right. Basically she started a job clening rooms in a hotel back in April. She is gets 3.15 per room and is given 30 mins to clean a room, so 6.30 per hour. Now this works out as less than miniumum wage, I know its only a penny but this is what got my alarm bells ringing. She has only committed to work Saturday and Sundays, but has made herself available during the week if she is free. She has been given no contract and no terms and conditions. If there is one complaint about the cleanliness
  8. Hi Lots of debts, any help/advice greatly appreciated. Please see attached. Thank you.
  9. I am wondering if anybody can advise, if this is correct procedure - regarding a claim for ESA. My son, previously Incapacity Benefit (5 years+) - was notified of need to migrate to ESA /completed forms, attended WCA - was declared fit for work. He requested an appeal against decision and received the assessment rate of ESA (prior to 28 October/mandatory reconsiderations ruling). He lost his appeal, mainly because he had opted for a paper appeal rather than oral? Anyway, I posted situation at the time, looking for advice and general concensus seemed to be, for him to re-apply. He pos
  10. and number 3.... Cabot DCA for: 2 x Halifax credit cards 2 x Lloyds TSB credit card 1 x Goldfish Bank credit card 1 x Barclaycard credit card 1 x Creation store card 1 x Lloyds TSB loan The reply to my CCA letter (covering all these together) "Thank you for your requests for information under the Consumer Credit Act 1974 ("CCA"). Cabot Financial currently does not have this information on file. However, we have requested the relevant information under section 77/78 of the CCA from the original lenders. We anticipate that we will be able to provide this informat
  11. Hi, this thread is to deal with the Lloyds part of my bigger debt problem found here, it explains how I got in this position and the overall debt mountain involved: http://www.consumeractiongroup.co.uk/forum/showthread.php?387784-Big-Debt-Problem...HELP This is for an overdraft, I am going to send a SAR request next week... These guys have just arrived on the scene this week… (Loan) (Credit Card) Shall I CCA them?
  12. Good Evening All! I am trying to clear up my credit file, and have 3 defaults on it (all older than 2 years) so I know it isn't going to change that much in the next 4 years... but thought I'd at least try! Firstly, a list of my creditors and the situation: 1) Barclaycard CC - Currently being used, but over the past 12 months of online statements I've calculated in excess of £100 of charges (mainly overlimit, never missed payment) - possibly more if I request a list of charges going back several years. Can these be claimed back? 2) Capital One CC - Another one in u
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