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    • Hello, I hope you're all well, I just wanted some advise on my debt situation. So currently my debt is a total of £17,000, 7k to Amex and 10k to TSB as a loan, now I have never missed a payment and I have always been on time but I have had some personal circumstances that mean I need my money and I cannot afford to pay these loans off for the time being. I'd need around 4/5 months and then ill be able to start making the payment again, I've been reading on the forum and I have seen many options but I'd like to know what the best option for me is. I don't want and IVA or DMP and nor do I want to go bankrupt. I've read about defaulting and minimum payments etc, Say if I didn't pay anything for 4 months or maybe paid bare minimum then once the 4 months is over I make up for the payments? Sorry If I sound stupid but I am just trying to figure out the best option before doing something stupid and going for an option that is more feasible. Thanks
    • For NI it depends on how you pay. Pension Contributions come out via your gross pay as a deduction = You pay NI. Pension contributions come out via salary sacrifice = You don't pay NI. You wouldn't pay income tax on it either way.  
    • Hi Isn't the pension contributions tax exempt - so take Gross - pension = taxable income?? Obviously the Tax Codes and Thresholds will play a part in the calcs as well G
    • Yea the counter is open 10-4 apparently but in reality if you go to the court and go to secuirty just refuse to go away and ask them to call the civil team they will eventually and they'll take the payment  
    • Update My insurance declined the claim since lung cancer was a 'pre-existing' condition at the time of booking Will try and ask BA to reconsider, otherwise I will lose several hundred pounds Probate (or rather the equivalent here in Malta) is completed and took 2 weeks from receiving the official death certificate Have now sent off all the necessary closure forms to Pension, Insurance, UK Bank, etc. Just need to visit the embassy to have her passport cancelled G
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Another Talk Talk problem


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Hey all,

 

This is my 1st post on this kind of matter, and i noticed that many have posted issues with talk talk before. My problem is regarding the frustrating broadband speed and customer service that follows. Like so many others the internet randomly disconnects without any pattern and sometimes for days, and bizarrely reconnects when i call 1471 and have that call in the back ground. The frustrating thing is that recently it was going along brilliantly and then dc'd for a couple of days, and when it did reconnect the speed had been throttled back.

 

When i got annoyed enough to phone them, i had to go through the usual chat - check the filters, test socket, how many computers, reboot computer etc etc you get the idea. By the time i finally got through to the 2nd line tech support, i spoke to a nice chap who informed me that my internet had been "throttled back" to stablise the connection. Anyway he preceeded to do a line test and said there "was a Fault" and if it persists i will be contacted, and when was msg, they say "there is no fault". I reply to them saying that it is "not fixed" and we go around in circles. Anyway when i phone up again i get a different person, and i have to go through all the standard tests, do they not have a record of when i call?? I keep phoning up to get them to increase the signal strength in my profile as im only 2.38km from the exchange, with only 0.4mps being my highest down speed atm.

 

I keep phoning to ask them to increase the signal, but the fob me off by doing line tests, and blaming my software rather than sorting the problem out.

 

Any advice will be welcome, and im sure i can answer an questions.

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Google "Talktalk members forum"

 

This started out being independant from TalkTalk, but as the forum was so helpful in sorting customer issues out, TalkTalk actually provided some staff to it to sort problems like yours out. Definatly worth a try :) Update this thread if they sort it for ya.

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I had the same problem a couple of weeks ago,and at first thought I had a virus and spent a day doing cleanups.

I then spotted something in the TT customer online account user CP.

Here there is an area which you can do tests and it saves a log which is then stored for TT tech to look at if theres problems later.

I have to say that TT have come a long way since the days when they were awful for their CS,what they have done is make everything accessible from your user CP-which is great for non Tech issues.

I particularly like the user tools which enables usage of calls /numbers /statistics etc to be viewed.

I find the contact us area gets a reply very fast.

Where they do still fall down is on the telephone help,which as has been said can often be a pain.

I have been on TT now after moving from VM for almost a year,and have never actually used the phone to call them.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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