Jump to content
  • Tweets

  • Posts

    • Have you called the credit card company and tried to initiate a charge back?
    • Hi dx, thanks for your response.   they haven't touched my credit file actually and I have all receipts and a proof from the buyer (screenshot of bank statement). They asked to see a V5C and I told them that I don't have it, this is the bone of contention. They have now closed the account but still refuse to issue a check for my balance. 
    • After seemingly purchasing groceries online via tesco.com I arrived at the click and collect point to find the cost of the goods had increased by 15%.   Price offered at checkout £150, price charged on collection of goods £172.50.   Customer service decline to refund the difference and insist what was indicated at the time of purchase was a "guide price", I maintain had this been obvious I would have made a difference transactional decision.   References to the Consumer Protection from Unfair Trading Regulations Act 2008 seem to be unpursuasive.   Perhaps someone else has a similar experience or knows a more effective lever?
    • Hi all, Hope someone can assist me as I feel a bit out of my depth.   Sorry for a long post in advance, it's probably best to set the scene as full as possible. We purchased 2 flights to Canada and returning to the UK from San Diego, the flights were with American Airlines (operated by BA) but importantly, booked through a travel agent budgetAir.co.uk on 9th January 2020.   BudgetAir’s first failure was to inform us that part of the flight was cancelled but after we discovered this from the airline and drew it to their attention, there were no suitable alternatives available so they agreed to refund the cost on 20th August.   EU law says they have to refund me within 7 days of a cancellation but obviously with the pandemic and they having to get the money back from the airline it’s reasonable to wait longer. The problem here is they keep telling me to be patient but American Airlines keep telling me that nobody has asked for a refund yet. Just for clarification I keep asking American Airlines as other people in a group I belong to have been waiting since February/March with no refunds.   On 26th September I sent BudgetAir a “notice before action” giving them 7 days to either refund me or for us to agree a mutually agreeable future date for a refund. On 5th October I started a MCOL which was issued the following day on 6th October. On 26th October I requested a default judgement which was issued today 18th October.   Two things concern me: 1, BudgetAir are a part of Travix International B.V in Amsterdam, BudgetAir are not listed as a Limited company in the UK, BudgetAir.co.uk is a trading name of Travix International B.V they use in the United Kingdom. This is the only UK address they provide anywhere on their documentation, this also explains a little more of the company structure: https://www.budgetair.co.uk/about I’m concerned I have used the right company name on the MCOL but it’s the only name they trade with I the UK.   2, My second concern is the address, I believe the London address may be no more than a postal address and will not give high court bailiffs any ability to recover goods. With the above thoughts, I don’t know how to proceed now I have got a judgement, assuming they don’t pay. My only option could be a 'third-party debt order' but I don’t know how to get any bank details, I paid my credit card and have no information (nor can I find online) about their banks.   Any thoughts would be gratefully received, Many thanks Anthony.
    • usually down to money laundering rules. barclays are the usual favourite for this happening to people not heard of Satans bank doing it before. have they also trashed your credit file with a CIFAS marker?   do you have written proof of the sale of the car? and proof from the buyer that they made the BACS transfer?            
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

HELP im in debt can i appeal against a jsa sanction ???

Please note that this topic has not had any new posts for the last 4055 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

My jobseeker allowance was sanctioned a couple of months ago for 6 months so itryed to get hardship and they wont give me that either, thing is i have arrears in council tax , rent and electricity now and have no income whatsoever i also have a 95 pound fine to pay off also, Is there any way i can get my benefit back ? Can i ask to get my jsa back and give them proof off the council and electricity provider than im in bad debt and have no money to face it and nowhere to turn to ?

Link to post
Share on other sites

Hi Davie,


Your situation sounds very bad.


Can you give details of why they put the sanction on your JSA?


Do you have a letter from the DWP giving their reasons for the imposition of the sanction? If so, post the text as it may help people to suggest ways of challenging the sanction in appeal.


There are plenty of people here who can advise you, but I think those extra details will be useful to get you the best advice.


Good luck.:-)

Link to post
Share on other sites

Make another application for hardship payments

They can deny these in the first 2 weeks of a sanction unless you have children or are disabled, are a carer or pregnant.


After the first two weeks of a sanction you should qualify if you can show hardship. They should look at



  • Whether you have other resources?
  • Whether there is a substantial risk that essential items such as food, clothing, heating and accommodation will stop being available to you or will be reduced.

So provide evidence of your debts, bills etc.


Also are you still in receipt of Housing Benefit/Council tax benefit - this should still be paid but may not be in payment if you claimed it expecting to get JSA and they don't have proof of your actual (nil) income. You may have to prove to the council the income you have had or how you have managed to survive (eg letter from mum who has given you £15 a week, evidence from your bank statements that you have lived off and now exhausted your last wages...)


Hardship payments are paid at 60% of the rate of normal JSA.


With sanctions you can appeal both against the sanction - eg if it was imposed because you left your job "voluntarily" and you dispute this or against the length of a sanction as being too long on the facts of your case, or both.


Either post more about the sanction here for people to advise if you stand a chance of appealing or go to your CAB for advice.


I would advise anyone in your situtation both to apply for hardship payments AND try to appeal the sanction as well as making sure that the housing benefit and council tax benefit is being paid throughout the sanction period.


You may be out of time now for appealing the sanction, but could try to get the appeal accepted out of time if there is a good reason for the delay.


You may also need help to deal with your priority debts...

Edited by RosaofEdge
Link to post
Share on other sites

You don't have to do an I & E sheet for the council as they will already know you are on jsa. Ask them for the lowest amount you have to pay by law - it is between £3.30 - £4.00 - I should know the figure accurrately but have forgotten. Hope this helps.

If my advice has been helpful tip the scales


West brom SETTLED


Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent


Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice


Sainsbury's - Awaiting court date


Co-op cc SETTLED IN FULL 2nd claim. Settled in full



National Westminster Settled in full. 2nd claim. N1 submitted



HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL


Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...