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    • ok again thanks for all advice , im going to continue and struggle on paying the wifes debts and maybe look at getting reduced payments but as for mine i think ill go down the DRO route and try get it sorted but will see and open new bank account somewhere first
    • Nothing to do with your own Bank.     Try to withdraw the money from Parentpay early next week and if no joy contact them.   It may be that the money is showing, but has not fully cleared on their system,
    • Hi all,   Just an update with contractual terms. These terms are from a contract at a similar time to when Tracey started as we think they have changed since.   The contract reads as follows:   Termination of employment  Xxxxxxx (Nursery) will provide written notice of termination of your employment in accordance with statutory requirement (currently 1 week’s notice for each year of continuous service, up to a maximum 12 week’s notice).   Once you have successfully completed your probationary period for the company you are required to give 1 month’s written notice of termination of employment.   Regards   Matt             
    • Thanks for helping with the post;   Still waiting for a reply from the DPD.
    • I thank the Consumer Action Group Members for getting me this far in my case which is still in progress.   Situation: The Court has reversed earlier permission for me to rely on witness summaries.    The question upon which I am seeking help, please,  is - do I need to bother myself as to why the Court has reversed permission to rely on witness summaries?  If so, what line of logic or law can might I follow because clearly, the Court has said one thing and then another a few weeks later, of its own motion, the Court has reversed the earlier decision. I find this development quite extraordinary in the sense that as a result of being granted permission earlier, I served the three Witness Summons which had the Court stamp.   Background Having given me permission to serve 'Witness Summons' which I served on 3 hostile witnesses several weeks ago, the Court has now reversed it's earlier decision, and refused me permission to rely on 'witness summaries' pursuant to paragraph 32.9(2), citing that I have not shown steps taken to obtain witness statements from the 3 hostile witnesses.  I however, made two attempts to talk to the hostile witnesses who have been non responsive and I can evidence this.   I would be immensely grateful for some steer from Forum Members, please.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
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Where to start, To be blunt, iv been stupid with money, and until i lost my job, i didnt realise it.


Getting a loan to cover all isnt an option


Currently i have the following debt:



£4000.00 on a welcome finance car loan, approx 20 months left and 2k left to pay



£4500 on a welcome loan, aprox 34 months and 3800 to pay


£800 littlewoods catalouge - 4 months arears, 400 wanted imediatly


£600 on vanquis credit card paying £42/month


2 pay day loans at about £800 all in


basically, i fell into a bit of bother in april when i left my job, and had to go to a new job that was less hours and therefore less money. I was ticking by before but now my money going out is more than coming in. Then to get even more stressed, my brother was getting married in may, so i took a pay day loan out. A VERY VERY VERY bad move, made even worse when my car broke down. I need my car for work and i didnt have the funds to repair it, so a second loan came along.


Now, iv got about £1000.00 to come out this month aloan and about £650 coming in. What can i do?


Included in this is a £90 parking ticket which i was appealing but lost, but not my parents dig money.


Any advice would be brillent



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Hi Gavin,


welcome to cag,


the welcome loans, littlewoods and vanquisyou can send them a cca(no 1 in my signature) this will ensure the paperwork is in order. you could also send it to payday loands but they will prob be ok.


In the meantime work out a realistic income and expenditure and make offers of payments that you can afford.




letter B would probarbly be best but remember when making reduced payments this will effect you credit file.



when you get back responses to thecca if you scan them and post them up here as welcome loans are a bit dodgy and i hae a wee friend that loves welcome and can check them.


if you are going to ask for reduced payments, cancel all the dd'sto them and includeyour firs payment with the letter and ask for accout details for YOU to setup a standing order or pay online. please als remeber payday loans may also have card details for you, ifthey do contact your card issuer t say you have LOST your card so they will cancel it and issue a new one.


also if there are any charges or PPI on these accoutnsyoucan claim these back. to do this you would need to send a sar (no 2 in my sig) toget a full list to reclaim.


have a read over the PPI forum if you have any:

Payment Protection Insurance (PPI) - The Consumer Forums


also for vanquis you can have aread aroundhere 9same principle applied to catelogues)


Other Institutions - The Consumer Forums



Ida x

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forgot to add



also here for padyay loans:


PayDay loans - The Consumer Forums


ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.


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