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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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Wholesale pet food

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Does anyone buy there petfood from a wholesaler or manufacturer?

I have two cats who usually have dry food in the morning and soft in the evening. My boy cat has recently had a reaccurring FUTI so i have been advised to only give him soft food, which is a lot more expensive!

 

I'm hoping to be able to find a cheap website or contact where i can cut out the middle man and hopefully the price.

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It depends what you mean by expensive. What brands are you feeding at the moment? There are brands available online which seem expensive but actually end up being very economical because they are high quality and cats need less. It isn't about feeding 'soft' food, it's about ensuring your cat doesn't get dehydrated. Most cats fed dried food are slightly dehydrated which can lead to UTIs or at the very least make them worse.

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Butcher's Classic tends to be known for dogfood but they do catfood too in both fish and meat varieties. They can be bought in supermarkets or Pets at Home and are stunningly good value. They only do 400g tins though which many owners don't find as convenient as pouches.

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Hightail, thank you I will look into it. Currently they are on First class and the occasional pouch of applaws as a treat. Also my tom cat is also on Hills c/d prescription food which is £9+ for 12 and generally lasts 3 days!

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Last year my elderly cat had pancreatitis and was very ill. Having done a bit of internet research I started feeding her on fish, chicken and Purina Sensitive or Royal Canin Sensitive if it is on offer. Sounds expensive? Pouches are now so expensive it is cheaper. I get frozen Smart Price chicken fillets from Asda for £3.99 per kilo, and their white fish/Pollock fillets for £4 per kilo. There is no waste - usually there'd be dried up food left - and the cat looks amazing. I started off by giving this diet to the elderly cat only, with the younger one cleaning up whatever was left, but then suddenly realized it would be cheaper for them both to have the same diet. Sainsbury's had Purina reduced to only £4.00 per pack a couple of weeks ago - usually £5.47 - so I stocked up on that.

 

The vet actually wanted to put the cat to sleep because she wouldn't eat for five days while in the hospital on a drip, so I took her home and started her on very small portions and she is really bright-eyed and bushy-tailed now, so the diet has suited her really well.

 

I do think the price of pouches/trays is just staggering nowadays. It's only a couple of years ago that all the supermarkets regularly offered 2 x 12 packs for £4, then it became £5.00 and now it's £6 or even £7! And of course so many of the pouches only have 85g rather than 100g. What a rip-off!

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Also my tom cat is also on Hills c/d prescription food which is £9+ for 12

and generally lasts 3 days!

 

Did the vet sell you that? It isn't a prescription product and there's nothing in it that makes a huge difference. The very fact they do a dried food for cats with UTIs tells you it's nothing more than marketing hype. You can either buy other brands of perfectly adequate food or stick with the Hill's if you must and at least save a bit by buying it elsewhere. I am a Hill's 'qualified' Pet Nutrition Advisor. In order to become one I had to pass an online exam of multiple choice questions. I was meant to study their material first but there was no need. Trust me, the 'right' answer for each question was pretty damned obvious.

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Here's a bit of bedtime reading for anyone interested

http://feline-nutrition.org/health/diet-kidney-disease-and-the-urinary-tract

I've deliberately linked to the appropriate page for this thread but the whole site is interesting for anyone who really cares about feline nutrition. I would add that it's a passion of mine but I do believe it is possible to feed a cat a good diet without getting precious about feeding a completely 'natural' diet. I do feed a certain amount of raw food to my cats and I do believe it's the best. I also feed commercial wet food and (horror of horrors) some dried food too. I also have Drinkwell drinking fountains which my cats love to both drink from and play with. Keeping a cat properly hydrated is one of the best things you can do to keep it healthy.

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I have found Berriewood wholesale do good prices on our dog food, might be worth a look?

 

delivery is usually next day too.

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A quick comparison shows them as more expensive, admittedly only by 8p, than at least one other supplier who does free delivery. I used Royal Canin Sensible as the check product. Don't be fooled into thinking Berriewood are cheap just because they have have 'wholesale' in their name.

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It was just a suggestion! I'm not fooled by their name, I actually find them unbeatable on the dog food I buy, which also qualifies for free delivery (I do buy in bulk though). I can find guinea pig food cheaper elsewhere. Some things are cheaper, some aren't!

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Being the sad person I am I did a quick check to see how that product worked out. Methionine capsules are sold specifically for pets in the USA so I could check for dosage and it seems 500 - 1000mg daily is correct for cats. Going on 500mg daily you'd get 10 or 11 doses from the Mark & Chappell product for £7.69 (Pets at Home). Buy methionine in capsules to sprinkle on the food and you get 60 days supply for around a tenner.

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