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    • This is an article from a couple of years ago about how someone won against the council, but it does mention that there are two sets of signs.   https://www.dailypost.co.uk/business/business-news/driver-wins-appeal-over-mersey-13931137   HB
    • Let them go back to court and then force them to produce everything they wont.
    • Impotrant   https://content.govdelivery.com/accounts/UKHMCTS/bulletins/24c3af1 How will the new process work? The process for applying for a warrant of control will remain the same; creditors will continue to use the existing application routes of either a paper application form via a local court or an electronic application on Money Claim Online (MCOL). Following a successful application, the warrant is issued to the relevant Warrant of Control Support Centre. The centre will then manage the warrant for approximately 12 days. During this time, trained staff will: Attempt to contact the debtor by telephone or SMS, using any contact details provided on the warrant application form. They will check that the debtor is aware of the judgment; speak to them and inform them that a warrant of control has been issued; and provide them with further information about next steps, available options and signpost them to debt advice services. Identify potentially vulnerable debtors and will offer additional support via specialist agencies. If a debtor is identified as potentially vulnerable, still will inform the creditor and ask how they wish to proceed.
    • Good Afternoon,   It would be greatly appreciated if you ladies and gentlemen can advise me what direction I should take, my problem is since we moved to our semi house my neighbour has made our lives hell constantly whinging and also accused us of damaging her property. Basically a blame game from her even though we have never done nothing whatsoever. She Even tried to put a anti social behaviour on me due to me refusing to pick up leaves from her garden saying the leaves belong to your trees. She asked me to replace the fences on the boundary which is my responsibility but here is my dilemma my side of the fence which has the feather boards there’s no rotting whatsoever due to me putting wood preservative and maintaining the fences, on her side where the framework batons hold the feathered boards have rotted away and the fences have collapsed due to her negligence of not maintaining her side, even though it’s my fence where do i stand in this predicament? she would not entertain on splitting the cost, i dare not ask. My main concern is that just recently she had her flat roof redone , my roof is pitched and there is a gap in between the both boundaries, but what her roofers have done  they have stuck the asphalt on my roof tiles without any consultation also encroaching on to my side of the boundary. How and what way should i go about getting the asphalt off my tiles, I approached her to tell her to remove the asphalt but was rude. Legally how do i go about it, also do i have a strong case? At the  moment i am a carear for my mother who is on palliative care so i had to give up work to look after her, so my finances are low. Please  i would look forward to your responses and suggestions thank you.   
    • You have no right to reject the car just because an EML warning light has become apparent, you don't even know what the fault is. You should be reasonable and accept the offer to repair. You should be working with the garage, not against them.   
  • Our picks

    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
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Welcome!

 

If you have unmanageable debts and are unsure where to start here are some options that we hope you find useful. The areas below in blue text are actually links; click on them for further help and assistance. If you would like further help why not create your own thread? There is lots of help on hand!

 

A very important tip is to ensure that you deal with all of your debts as a whole. If you have a couple of credit debts you should look to make affordable payments to each one, you should never prejudice one firm over another by trying to make reduced payments with one agreement whilst keeping up with another. If you put all debts in the same basket, so to speak, you will be more likely to get your situation sorted quickly.

 

You should also consider looking into whether or not you are able to reclaim any missold payment protection insurance or unfair penalty charges. If you are able to recover a lump-sum you could use it to offer 'full & final' settlements to your creditors. This could allow you to clear a debt in full by paying a reduced sum. We've seen some debts get cleared with some very low percentages indeed.

 

We hope you find the blog useful. We try to keep it as up-to-date as possible.

 

- Our 'Debt Diaries - 10 Steps Blog' -

 

Below you can find links to our dealing with debts blog. In ten steps you'll be able to look forward to a debt-free future:

 

 

- Free Online Tailored Advice -

Three of the leading debt advice charities have created online advice tools which are designed to provide tailored assistance as to the best debt-repayment option. They are certainly worth taking a look at although further advice should be sought from a qualified professional before embarking on your chosen route - especially if you are considering the more formal options such bankruptcy and individual voluntary arrangements (you can read more about these within the ten steps blog - non-priority debts sections).

 

 

 

 

- CASHflow -

If you are experiencing difficulty in repaying your debts, CASHflow is a way for you to negotiate affordable repayments with your creditors. Before you can use CASHflow, you must have spoken to one of the free advice agencies licensed to offer CASHflow to their clients. The advice agency will start by talking to you about all of the options available, and can help you to decide if CASHflow is the right one for you.

 

If you decide to use CASHflow, you will be provided with all of the tools you need to be able to complete your own financial statement and negotiate offers of repayment with creditors yourself. This will enable you to stay in control of your situation, but still have support from an adviser at any stage if you need it.

 

For further help and support there are specialist debt help chariities that can offer a wealth of advice. When seeking advice always ensure that you go to a recognised and trusted organisation. There are many commercial firms that often masquarade as a free, not-for-profits firm only to turn around and to try and sell you a product which may not be in your best interests. It's important to remember that commercial firms are there to turn a profit, some of them have very poorly trained 'advisers' that are no more than sales people. Not all commercial firms are bad of course, but we do suggest researching a frim's credentials thoroughly before committing to anything. For FREE advice look no further than the following charities:

 

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