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About Me


Found 24 results

  1. Having so many Pay day loans (different thread already) and gambling I took stupidly on the same time unsecured Loan – contract with TM ADVANCES LTD. The interest its huge but when you are gambling you don’t think about now I need a help. They didn’t ask for Bank statement and I can see searches on my Credit file so was very clear how much debt I had already but I am not expecting that this one will be easy
  2. It would seem to be official - if not properly announced Buy an item or win an auction on ebay and the seller (and apparently buyer) can just 'cancel the order' up to 30 days after the win, and even after a buyer pays... So you win an auction * Seller doesn't like the final bid * Seller just cancels the order with some half baked 'reason' like item is lost or damaged * EBAY automatically send you a seller has cancelled with the only responses being an automatic refund if paid through paypal, or say the payer has refunded. There is mention buried in the t&C's that a se
  3. Hello, I have been following this intermittently since I joined last October 2015. http://www.consumeractiongroup.co.uk/forum/showthread.php?452513-Sallie-Mae-UK-loans-statute-barred-or-not-scotland&p=4934734#post4934734 I am sort of the same situation, though I moved from Scotland to England in 2012. I am not sure which year Capquest via Sallie Mae, are referring to, but I received nothing after 2007-2008 when the loan was started until 2015, from the annoying letters they started sending me that year. I also had something from Arrow, but I have answered nothing for ei
  4. Well what can I say hasting direct smart miles black box insurance, what a joke their black box,s are, they constantly record their data wrong and their accuracy is appalling, my son has been doing his best to keep a good rating and had been doing a pretty good job of it until 2 days ago when he got an extreme speeding warning saying he was doing 61 in a 30 and they had it pinpointed to a place called sambrook crescent, a small cul-de-sac I checked his route on the smart miles map and to my supprise his journey takes him on a dead straight line through t
  5. https://www.drydensfairfax.com/careers-vacancy.asp No prank CVs or applications, please.
  6. Hello, I was made redundant(no pay i don't have like thousands of pounds, not even close it was a apprenticeship type vacancy so no redundancy pay) recently and im starting to do a show which allows people to donate (optional) which does not go toward any real life spending, purely towards the stream. however i'm worried if this is benefit Freud in any way? can someone explain this to me? thank you.
  7. Hello, First post so be gentle. I recently saw a car online that had no photos but was from a well known dealer franchise, I contacted them to enquire about photos and some were sent to my email. It looked OK on face value but obviously I needed to see it in person. I left a £500 reservation deposit and was happy that if the car was good I would pay the balance and the car would be mine. A few days later I realised that on one of the photos the drivers seat looked like it had a white stain on it (very difficult to see from the photo) I asked the dealer if it was a stain and
  8. Hi All, We use Virgin media business 150mb. We moved on the 28th of Oct and really need broadband for our business. However, they are saying they cannot install until the 19th. We need to be with Virgin as we are still in contract. I find it really hard to believe that they would expect a business to survive almost a month without any internet. Does anyone have any feedback on this?
  9. http://www.huffingtonpost.co.uk/2015/10/01/russian-embassy-_n_8225676.html?utm_hp_ref=uk
  10. if you read this and provide advice, thank you it's much appreciated. Secondly, yes I'm stupid and finally I know ignorance is not a defence (I have a Masters in Law, though you probably won't believe it after reading this). I'm expecting to receive a letter at some point from TfL and wanted to understand how to proceed... I mentioned to my dad last week that I was going to London on Saturday 15th for a day trip and he offered to lend me his Oyster card that gets him on the tube for 'free'. Thanks dad. Readers, I'm sure you can see where this ends up. I trave
  11. Right Interesting one... I like the idea of this! Could be interesting!
  12. just wanted to give a shout out to Mr Lender and Swift Sterling ive quite a few debts and rather than going pop im trying my hand at sorting a payment plan. both the above companies have frozen my debt and to reduced payments, BRILLIANT and a massive help. i'm awaiting a few replies but these guys did all this with 12 hours of my initial email. SO DON'T GIVE UP HOPE IF YOU TREAT THEM FAIRLY TOO THEY DO TRY TO HELP
  13. took a little battering around but.. ordered a treadmill from tesco direct, fullfilled by sportshq ordered the friday and paid extra for delivery "on or by Saturday" come saturday and no delivery, spoke to customer services and they tried to expain that it "wasnt their fault it was sports hq's fault" emailed ceo office, 30 mins later phone call, explaining they cant get it that day but would look into it and make sure we "were not out of pocket" monday email saying it had been delivered to a neighbour could we check it was ok and they were looking into it as their co
  14. Well worth reading a must if you get a parking charge notice (PCN) http://www.shropshirestar.com/news/2015/01/22/could-parking-fines-issued-to-shropshire-drivers-be-illegal/ Main story from here http://www.scoop.it/t/lacef-news?page=3 I have also added now a parking guide from "WHICH"
  15. Hello! I have ATOS assessment tomorrow. From their leaflet I have learnt that if I want the assessment to be AUDIO recorded I must contact ATOS in advance. Well do I or is it in my rights to just record the meeting?
  16. No money? No excuses! Following people on the sharp end of bad debt – and those whose job it is to get the money back. http://www.channel5.com/shows/cant-pay-well-take-it-away Channel 5 - April 8th - 9.00 pm
  17. Hi Second day of my new part time job in retail (first day was spent setting up retail outlet and visual merchandising with Directors) and a few hours in I am pulled to one side by a Manager who works fir another store who is helping out and she is with the new store manager whom I have only spoken two words of introduction to. Telling me I am need to calm down! I am making the other staff nervous and this can make the customers nervous. I cannot think for the life of me, what they are talking about. I actually am really dopey today full of cold and just getting over a gastric bug. They
  18. “LG Life’s not so Good” TV developed fault just after 2 years.........! Sent an email to Currys and got a response: ‘As a company, we do understand our obligation to provide a remedy for products that fault following the expiry of the guarantee in certain situations. I do appreciate that manufacturing defects may not manifest themselves until after the initial warranty period has expired… Alternatively, you are able to obtain an independent engineer to inspect your television, you can send us the engineers report. The report should outline the diagnoses of fault/s that has occu
  19. I hope this is the correct place for my query, however I couldn't find a specific Credit Card section so did a search on "Aqua" which led to existing posts here ... ************* I am amazed by the brainless incompetence of Aqua. I am unable to keep up my credit card payments, and in October notified Aqua accordingly and asked for the appropriate claim form in order to activate my PPI. In the absence of a response I have written repeating that notification and the request, but still have not had claim paperwork. In that time my account has missed two payments so is fur
  20. Well not totally confused as I have spent the last couple of hours reading the stickies above regarding CPR for Document disclosure. However I am wondering were a DSAR sits in all of this ? In a Nutshell, CPR part 18 for clarification of any documents you are sent CPR 31.14 for disclosure of any documents they mention in a statement in of cases (POC) Now where does a DSAR fit into all of this ? How does one request to see documents that have never been mentioned ? e.g. DN, DoA etx ? How does one prevent a claimant producing a document in court that they have p
  21. Hi all. Looking for some reassurance if thats possible. DMP has been set up and running since August 2012. The majority of creditors have been really positive and supportive through the entire process which has really helped. The only sticking point at the moment is we have had notification from stepchange (cccs) that 2 of our payments have been returned and an ongoing increase in rbs current account balance. 1.Payday UK (approx balance £800) are no longer accepting payments from stepchange on our behalf....and at present my wife is receiving calls from Credit Resource Solution
  22. http://www.bbc.co.uk/news/business-20803548 Was listening to the usual defensive utterances from the BBA who are saying some of the proposals are likely to ward off investors. They even have the nerve to try and say that any punitive measures would mean the banks having less to lend to businesses.!! As if they have even been bothering to give much needed cash to struggling businesses. In fact even the Government backed 80% guarantee EFG program saw the greedy banks forcing directors to sign personal guarantees and forfeit rights under CCA !!
  23. Hi everyone, djwrath here! I am new to this community and i have actually joined to see if I can help people here with their problems, especially as I do something VERY similar in my line of work (Legal Advisor for a Solicitors firm). Personally I have been involved in a few litigation cases, 1 for myself (LandLord/Tenant) and the others I was supporting family/partners and friends with issues ranging from Benefit Tribunals to Compensation Claims. Added to that is my working experience providing advice in a wide range of legal issues. So in closing I hope to be of help to people
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