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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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dr fox

Broadband server advice

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Our property has only a few houses in the street and built around 42 years ago. 

When we moved here 12 years ago we tried to transfer our internet provider who were Virgin Media although we were unable to do so because there was no cable in the street according to them.  So we went with BT .  We used the internet for browsing the internet although we now have teenagers who are into gaming so speeds etc.. meant nothing,  and I actually still haven't got a clue !!

 

The reason that there was no cable was due to an old neighbour at the bottom who refused (Private Road).

 

We changed to Plusnet  around 4 years ago and been having issues with the internet for a while now. 

We have ran a speed checker  now and again over the past 4 weeks and we are always getting download speeds between 10 - 15Mbs although Plusnet have estimated between 20.5 and 35Mbs on our Contract.

 

We have Unlimited Fibre with them.  Decided to do an online chat and this is a copy and paste of some of the chat:

Have deleted our names. 

 

Are you able to advise if we have fibre  in our street as we were guaranteed that we did by plusnet 

Plusnet: you do have fibre to the cabinet: 

Plusnet: as your line is fibre enabled

Ok thanks. does that mean that the fibre is not in our street ?
Plusnet: no its to the green box

Plusnet: for it to be on the street it would be Fibre to the Property

 Plusnet: but hardly any houses have this available as it is still a new product

 

We tried to change today to another provider today and they confirmed it was fibre but only up to exchange and it will be via telephone wires from exchange to your house.

 

So wondering if anyone could shed a light on this being the correct product we have been paying £35 per month for (Plus phone)

ie.  Should we be paying for fibre when it stops at the exchange which is 1.3 miles away from our house or should it be broadband if there is still such a thing.  

 

Thanks

 

 

 

 

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Arhhhhh this is my domain as a Telco Engineer... 

 

FTTP is a very rare product at the moment. FTTC is an interim product in its current capacity until the UK is full Fibre and is actually to the PCP (Cabinet) more than likely at the end of your street. 

Fibre connectivity on FTTC is either 40/10 or 80/20 

 

You are paying for FTTC which is the correct prices. Sound like you have a fault.

If you have a landline, dial 17070 and get your Telephone number and press Op 2 for a QLT (Quiet Line Test) Do you hear Crackling etc? 

 

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sounds like they are direct to exchange FKO.

 

so if they are they aint doing bad getting upto 15MBs for that copper distance.


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FTTC is to the Cab only. Fibre to the Exchange doesnt work ^_^

You cant get 35 MBPS on a ADSL2+ its limited to 24 MBPS per Sec Down and 1.3 MBPS Per second up. The speed estimate would be correct for FTTC. Fibre is served to Every Exchange :) - Thats how they move traffic along their networks. 

 

Also Plusnet wouldn't be able to provision or bill Fibre if they were on ADSL. 

 

  • Like 1

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Agree with fkofilee

 

if you think Plusnet are fibbing, put your details in on BT’s broadband website.

See what it offers you.

 

Are your speed tests done by wi-fi connection to your router, or direct wired connection?

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Lol.....yep going to have to read all posts again and slowly......Will reply in a bit

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12 minutes ago, fkofilee said:

Sorry OP didnt mean to get technical but seems like you need some help.

 

Due to the age of the connection - Do you have one of these in your house?

 

Image result for bt openreach fttc modem

We did have one like that 2 years ago although there was a fault so they sent out a new one .  Ive done the phone test and no Crackling .

 

 

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15 minutes ago, BazzaS said:

 

 

Are your speed tests done by wi-fi connection to your router, or direct wired connection?

Connected to router via cable

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yep into bt socket

 

sorry we have a filter adsl ??

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Or only one socket and no ‘dangly thing’?

 

(missing micro filter, and not plugged into master socket is a possibility...... *editdd to add * but have just seen there is a “filter adsl”)

Edited by BazzaS

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You have a Microfilter - Do you have a spare you can swap it out with? 

Also consider testing plugged directly into the router. Google Speedtest. 

 

Also remember that speeds drop at Peak Times like now - This is because more people use the Network. 

 

If you cant figure it out... Speak to Plusnet and ask them to run some line tests. PSTN and TAM Testing. That way the can detect for a variety of things. 

 

HR Joints, Dis in Networks, Battery Con Faults, Crossed Lines, Voltage Impurities... 

 

:) Dont worry - you dont need to understand all of the above... Plusnet should do though... And site of the above means BT. 

But be warned, if BT come out and find its your kit then you risk £160 + VAT as a charge if its an SFI Engineer (Broadband - Youre reporting slow speeds)

 

Examples of Sockets and Filters below;

 

This is a filtered faceplate... No need for a Microfilter :) Plusnet router will connect to the left socket... The rest you get the idea...

 

Image result for bt socket

 

Filter with faceplate is below

 

Image result for bt socket microfilter

 

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Yep we have a spare micro filter.   Off work tomorrow so will give it a bash in the morning and see if theres a difference.

 

Much obliged for the help. 

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update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up 

 

testplusnet.thumb.png.8ad9709bc8e4b75aea9cf8d3db497072.png

Edited by dr fox

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Update:

Engineer came out and showed us the distance from the cabinet to our home and the speeds that we were given were not achievable,  There is a problem with the router as well and plusnet wanted  £106  to replace because we were out of contract.  Their attitude over the phone was shocking and the guy was very sharp and cutting.  We usually found them to be very helpful so sounds as though this guy has had a bad day

So we cancelled 

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1 hour ago, fkofilee said:

Bad CS means people will leave... 

Why did you cancel? Who are you going with? 

 

Dont know who we are going with yet,   going to have a look online tonight.  I run a small business so going to have a look at business deals as well.

 

The reasons we left were mainly because of the way we were spoken to.  They were not very helpful with regards to the replacement router ,  and then when we got transferred to the cancellation department they were willing to wave the charge so why not just do that in the first place. I know thats standard practice so you dont leave with any company but that really irritates me. 

 

Then theres the speeds that they have admitted were below their estimated speeds.  

 

Yes its business and all about making money but we have been customers for years and our full family also have our mobiles with them as well.  

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Don't cancel then... Get a replacement router and raise a formal complaint accordingly 😉

If you cancel, you'll be without broadband and potentially need to pay £99 for a new install / line restart 😩😩

 

You can transfer your service under OFCOMs rules. 

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