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    • No problem. Just thinking - if you are not named on the mortgage why is the lender discussing with you? 
    • I'm gonna try fill out income expenditure later on this afternoon hun x  
    • I am inquiring about how older, single people are treated on UC and how often they are likely to be sanctioned compared to other age groups.   I am 47 in September and have always been Single, and if I was to be put onto Universal Credit soon (as I think I may be) then I am wondering how often people in my group would be at risk of sanction. I have seen charts where, the older the claimant is, the chances of sanction are less likely, but I have not been able to find out information about single people. I have seen a pie chart of that kind mentioning single parents or couples and even disabled people, but no mention of single people at all. Are people in my group hit hardest or not?   I am currently on ESA as I have a physical "limitation" and have mental health issues (anxiety and paranoia) but I heard that next year, everyone on legacy benefits will be moved over onto UC. Is that still the plan?  
    • Hello and good morning, I have been informed that my DLA is stopping and was asked if I wanted to claim PIP which I have done over the phone. I was hoping to download the form online until the proper form arrives in the post. I thought if I could fill in the forms with a little more time to consider my answers without the pressure of returning the completed forms on the dates that they require. Does anyone know whether the 2018 forms are the same for 2019 because I don't want to download them if the government has decided to change anything. Thank you for any help you could give me. Alan.
    • Thats what was reported as being the 'offer to labour wasn't it -   Effectively that they will agree that we will each aspire to have the option to pursue what we like, and whoever is next in power can pursue what they like. - ergo Gobbledegook meaning Nowt positive apart from limiting choices further per Mays withdrawal agreement limitations and making a hard no deal exit or indefinite uncertainty; both devastating UK investment and business; almost certain     I think that Johnson being voted in to be the scapegoat May was intended to be would cause an actual split in the Tory Party rather than just the internal war that's occurring.. I have severe doubts he would get in anyway - but he could probably end up as effective 2nd in power continuing the increased levels of backstabbing, power politicking and conflict in the Tory party.       Voting Lib Dem or Green in England and SNP in Scotland  seems to be the ONLY options for remainers, even if they are just there to promote a revoke/re-ref.   Not sure on the Welsh position          
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      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
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

Student work year and commitment.

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Hi guys,


my nephew is training to be a optometrist. Part of his university deal was he would he a one year work experience and in 4th year do some research and get a masters.


Part of the deal was either pay £8000 to the store of training or work for one year after qualification for one year.


£8000 covered his training and help along with perk of working and being paid minimum wage. It also covered the cost of the “mini masters”.

(one year he has worked, got paid £7.00 odd pounds and was treated like crap, little training and a lot of shouting)


Now he is going to have his masters soon in July and does not have the £8000 to get out of the contract.


  1. The store was not of his choosing in fact got cheated by his university.

  2. The store paid absolutely the worse wages of any of his class fellows.

  3. After qualification he is going to get minimum wage only.


Main problem is either he drives to work or catches a train.


Driving is 2 hours per shift and train is about 3.5 hours.


Having had a word with the store owner he said all he is going to pay for 12 months is minimum wage and he is not obliged to pay more.


So we need help with either negotiating or getting out of the contract.


We simply do not know what to say or do to either convince the director to take the £8000 in installments or pay more.


Please note if my nephew works for minimum wage he will be earning 1/3 of his class fellows.



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I am not sure all information has been given for anyone to advise on this properly.


Someone would need to sit down and read through every document that your Nephew was provided with, to examine the exact basis of what he has agreed to. 


I can only suggest that your Nephew seeks help from the University in the first instance, as they seem to be party to these contractural arrangements. Or if the University is not helpful, is he a member of Students Union or any organisation that can assist in reviewing this ? 


Full details should have been provided before agreeing to an arrangement, to see whether it was the best available. Perhaps the paid work experience jobs being paid at a higher wage rate were all taken and your Nephew had no choice but to take the one for minimum wage.  Perhaps the one paying minimum wage is a smaller company and they could not afford to pay more. 


If your Nephew can obtain a much better paid job elsewhere, then why not just break the contract by not working for minimum wage for the year . Earn a lot more elsewhere and offer to pay the £8k by instalments, if he has definitely agreed to pay £8k if he does not work for them. As long as your Nephew is paying what he contracturally agreed to, then I am not sure there is much the company could do about this. 

We could do with some help from you.



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thank you.


What he wants to do either pay the £8000 over some time, lets say a year or get paid more as hes qualified with masters degree.


initially the contract was for boots specs however the talk is uni professors did not get enough kick back so therefore they said either go else where or get what you are given. some even traveled 100 miles for there placement. as the contract had alot of ifs and buts students were stuck. whole purpose of the degree was that they worked for boots.


Student union or visit to some cheap solicitor is in order.



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we would need to see the terms of the course to help resolve this as with the sketchy version given it looks as though his complaint is with the university and their forcing of an unfair contract upon him.

rubbish work placements are the norm but i havent com across one where you pay to do the placement so it looks as though the couse admin people have the worst negotiating skills in the world.

My son had to do 1 yr professional practice to become an architect and although he ended up with a third rate company that didnt pay him other than expenses  he wasnt expected to pay them for the pleasure of designing bathrooms, his previous placement was with Lord Foster working on the new Eurostar terminal and he got paid for that and not expected to reimburse anyone afterwards and I dont think his fellow students were enslaved either.

If the going rate for thejob is 3 times the MW then he asks fro that salary to work there and if they say no then they have frustrated the contract, not him.

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