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  1. Hey. Newbie here.. Okay, Sorry this might be a long one as I don't want to miss anything out! So over the 26 years ive been alive I have got myself in a pickle; default city to be honest, mostly low-level everything combined is under 8k. I have just got a lump sum of money to pay off my debts to help recover my credit score so I can one day buy a house. Now checking my credit score I started going through one by one going to pay them off, I got to Lloyds and they have sold my 3 debts to two companies ( 1 is Credit Security LTD and 2 is Robbins way ), I have had th
  2. Mrs Echodale is being harranged by Cabot over HSBC credit card debt . HSBC agreed that if she made sixty payments of £xx then she could save £1800 and would not need to make any more payments after July 2018. She has honoured the agreement and made last payment as agreed. Cabot apparently bought the debt a few years ago and are chasing the £1800, they say they have contacted HSBC and have been advised that no such arrangement exists. We have the original Metropolitan/HSBC letter from 2013 and even though the onus is upon Cabot to 'prove it' we have sent them a copy.
  3. I naively filled out some PPI claim online Pemberton Associates ages ago, gave all info I had to hand. “Electronically” signed all documents. Was sent something in the post which was lengthy, eventually completed & returned. Cut a long story short but I started getting A LOT of emails from this company. Regarding all sorts of things, claims against pay day loans, claims against all sorts of things, there was that much I lost track. I was only ever really interested in PPI and I assumed everything I filled in was to do with PPI. I got a final response saying once they’ve
  4. Good afternoon, I am wondering if somebody can point me in the right direct. Last summer myself, my wife and our son (13 at the time) flew to Romania with Tarom (Heathrow to Bucharest). Our flight landed almost 6 hours late. On our return, I filed a claim for compensation for the three of us at 400 Euro’s per person. After 3 months, Tarom eventually replied to me with an apology and an offer of 450 Euro’s per person in vouchers. I refused this and insisted upon a cash alternative via bank transfer under Regulation EU261. Tarom agreed to compensate 400 Euro’s per person and a
  5. Received a letter today telling me they have been appointed to trace someone. Can’t find much about them online has anyone had any dealing with them
  6. A relative's carer helped themselves to her bank account. This was discovered by the executor who stopped looking back through the bank account when the amount topped £11k in the five months prior to her death and handed the matter to the police. It is going to court and there's little doubt there will be a conviction. It will however be for considerably less than the amount taken because the criminal case is sensibly concentrating on those withdrawals and purchases which can be proved without any doubt. The direct victim was the now deceased relative and if she was still al
  7. Jail for travel agent who failed to explain missing thousands READ MORE HERE: https://www.gov.uk/government/news/jail-for-travel-agent-who-failed-to-explain-missing-thousands https://www.birminghammail.co.uk/news/midlands-news/former-travelogue-travel-agent-boss-15327351
  8. I was shocked by the pipe bombs sent to prominent Democrats in the US this week. It seems that the US isn't the only place where politicians especially are subjected to abuse; Diane Abbot has been talking about this. https://www.theguardian.com/politics/2018/oct/23/crimes-mps-uk-online-intimidation-abuse I don't condone violence for any reason and especially not over politics. Why can't people just agree to differ?
  9. UK first: Parents who lose a child entitled to bereavement leave READ MORE HERE: https://www.gov.uk/government/news/uk-first-parents-who-lose-a-child-entitled-to-bereavement-leave
  10. CAN ANYONE WHO READS THIS PLEASE GIVE ME SOME THAT IS CORRECT AND FACTUAL BECAUSE I HAVE TO HAND IN MY DEFENCE FORM AND EVIDENCE TO THE COUNTY COURT TOMORROW. This is something I think everyone should read as it may help you defend a sec 21 and eviction. I will give as much information a possible without it becoming to long to read or confusing. I will refer to the Landlady as She or Her. In August 2017 I moved into a self contained unit in a house that had been converted to 6 flats each with electric meter, bathroom, simple kitchen unit but still classed as a self contained studi
  11. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have
  12. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have
  13. Hello all, This is a request for information on who will have to pay the rent on a LHA property. Me and the wife have rented this property for over 20 years now and have paid the rent on it for most that time, Due to my wifes disabilities she has the high rate motobility and standard car PIP. Because of this I am on carers allowance and also receive Income Support. The house is four bedrooms and we use 1 and our granddaughter uses 1 and her boyfriend uses another 1. So out of four bedrooms we use 3 and have a reduction in HB (14%) for the empty one. My granddaughter (
  14. hi we moved into a house association property when we Received the property there was no fire alarms in property. Who should have been responsible for this as a company is renting out the house With my knowledge there should have been a fire safety check done and they should have fitted them as before I moved in someone else was living here and surprise when they renovated they did not fit fire alarms.
  15. There are many people who find themselves in my position . Interest only mortgage coming to the end and there are either insufficient funds or no funds to repay the capital sum. In my case I took out a 10 year Interest Only Mortgage ( Idon't know why it is only 10 years) I have contacted Santander a few times over the last 2 years to see if they would extend the term but they just refer you to customer services to start a whole new loan . I no longer fit any criteria to get a loan . I have never missed a payment even though I am on a very high rate compared to other lend
  16. Hi guys and gals. Sorry to post a new thread but I am extremely confused about the Gladstones Letter of claim. Let me explain. My husband is the registered keeper of the vehicle and I am the main driver. We have just received a Letter before claim from Gladstones, however this is the first I have heard of this PCN. On the day in question i know I was the driver because I found a wallet and handed it in to LLOYDSTSB bank as that's where the cards were from inside it. This is probably the reason i got a ticket as i am aware i was slightly late back but not by much.
  17. Earlier in January a work colleague of mine who took my vehicle out for a lunch break got me into a bit of a trouble as I found out he had gone to park illegally in a private residence in the city of Edinburgh. The letter from the parking Company, a parking charge notice stated emphatically 'to keeper', they wanted to know the driver and I guess at this point I should have hesitated a bit, I wrote to the parking Company giving them the name of my colleague and asked them to address him with any further issues, I did sign the letter to that effect. I was even more shocked that DVLA could e
  18. New laws to better protect millions of Brits who book holidays online READ MORE HERE: https://www.gov.uk/government/news/new-laws-to-better-protect-millions-of-brits-who-book-holidays-online
  19. Major crackdown on abuse of 'debt' judgement by rogue parking and utility firms is announced Ministers will pledge action on abuse of county court judgments by rogue firms Anyone who has had a CCJ without their knowledge will have it removed The Govt plans to immediately set aside all backdoor CCJs for those who can prove to a judge that they did not know about it when it was passed. http://www.dailymail.co.uk/news/article-5214075/Action-debt-judgement-rogue-firms-abuse-announced.html
  20. Firefighters have warned of the dangers of mishandling tools after a man's genitals became trapped in a ring spanner. Crews were called to assist A&E staff with a patient at Royal Gwent Hospital in Newport, south Wales, on Wednesday. They had to use their cutting equipment to remove the steel tool. https://uk.yahoo.com/news/firefighters-free-mans-genitals-spanner-145900336.html
  21. 'LET DOWN BY MY COUNTRY' Hero war vet, 50, who was Prince Charles and Diana’s driver left homeless sleeping in bushes and feeding off scraps READ MORE HERE: https://www.thesun.co.uk/news/5551197/hero-war-vet-50-who-was-prince-charles-and-dianas-driver-left-homeless-sleeping-in-bushes-and-feeding-off-scraps/
  22. HPV vaccination programme for men who have sex with men READ MORE HERE: https://www.gov.uk/government/news/hpv-vaccination-programme-for-men-who-have-sex-with-men
  23. I recently stayed at a hotel in Stansted airport and a short while later got a speculative invoice from a parking company. Normally I ignore but as this was an expensive hotel I had assumed parking was included. When I rang the hotel they said I should have indicated parking on the booking (I must have missed it) but the hotel said if I paid them a £35 administration charge they will get the ticket cancelled. It makes me wonder what the parking company are invoicing me for?
  24. I bought a £500 graphics card from CCL 15 months ago, it broke, CCL said it has 3 year warranty, but after 12 months you return it to Gigabyte directly. I created an RMA with Gigabyte, they gave 3 options, Pay £15 for a company to deal with the return (at the time I thought this was just to collect the card from me and return it to Gigabyte, as I assumed Gigabyte would pay for the return), Send the card yourself or deliver it in person. I chose option to send it myself as I thought £15 was a lot for a 1 way delivery. I posted the card at the post office, £15.26, grrrr, hindsight!
  25. I am needing to apply for a mortgage asap. Im a LTD company self employed contractor. There is a wrong default on my Equifax and Callcredit reports. Experian is absolutely fine. I have only been contracting for 16 months and so the likes of Halifax wont touch me. I have written to the FOS to get the details corrected but this may take time. Can you tell me what lenders only use Experian or suggest who i could check with. The brokers dont have this information. There is an article on MSE but its incorrect, it says Nationwide only use Experian, i called them and they s
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