Im 25 been with said company 2 years, keep getting told to join pension as its a good 1! I PAY/COMPANY PAY 4%/6% 5%/8% 6%/10% The scheme is ran by Legal and General. The 3 "FUNDS" are: GLOBAL EQUITY FIXED WEIGHTS(60:40) INDEX FUND OVER 5 YEAR INDEX-LINKED GILTS INDEX FUND CASH FUND I have read through all the pages i was given and internet just wandered whats your opinion, all 3 of the above Legal and General advise are good for people nearing retirement. I can spilt my contribution across all 3 funds with any % on each!

So what is the diffrence between TAX RELIEF and VAT?

Thanks Guys REP GIVEN! I will contact machine mart as they keep records!

I was hoping someone here currently dose this! and can help!

Hi I pay for all my tools i use at work, i am full time employeed in a workshop and am required to have my own basic tools to carry out my job, specialised tools are supplied. Can i claim the VAT back like a self employed person can? how would i go about this!? TIA

Do you have any templates?

What 1?

So how do i get them to stop with this junk!

TBH i just want rid of this, i am to scared to go to court ect.

What reason is thier to claim compensation, TBH i just want rid of them i have had this looming for years its horrible, now im ready to battle it! Did you have to appear in Court?

EQUIFAX - 31/3/08 Credit Report CREDIT AGREEMENTS AKTIV KAPITAL (FNTF) (I) BANK DEFAULT MY NAME HERE TERMS 0 @ £0 Monthly BALANCES LIMIT - £0 Start - £0 Current - £+370 Default - 01/2003 End - 07/01/03 Birth - MY DOB Insight last updated - 17/10/2005 Monthly Status - D 03/06/09 Credit Report Search Infromation Record Date: 06/01/2009 Search Reason: Trace Client Name: Aktiv Kapital Group UK Name: MY NAME Date of Birth: MY DOB The 2008 credit file shows a deafult the 2009 one a search (trace) I have not purchased anything from those people! AND therfore have never made a payment as far as i know!

EQUIFAX 03/06/09 Credit Report Search Infromation Record Date: 06/01/2009 Search Reason: Trace Client Name: Aktiv Kapital Group UK Name: MY NAME Date of Birth: MY DOB I cant get an online report as currently only have a cashcard account with no electron ect!

What do you mean by OC?

I have letters from BCW, Aktiv Capital, ScotCall and GPB(Geoffrey Parker Bourne Solicitors) all regarding the same thing. The BCW, ScotCall and GPB all list the Creditor as Aktiv Kapital. The Aktiv letters all list the Creditor as First National Tricity Finance POWERHOUSE RETAIL LTD. Thanks

Ok, So how long do i wait for a reply from a "NO KNOLEDGE" letter? Do i have to send any payment?

I have no knoledge of having any dealings with "First National Tricity Finance - POWERHOUSE RETAIL LTD" The only purchase i made in powerhouse was a VHS player when they first started the + thing where u put the code in to record tv shows, over 10 years ago and we paid outright £90.

Hi Yeh as far as i remeber, i forgot to send it recorded tho so ill resend a CCA letter today and wait and see for a response! Thanks

Hi Guys / Girls, I recieved this as a response from my CCA letter sent to BCW

Can i send a SAR to the child benifit people to get copys of all my claims and recordings of my calls ect? if so what letter should it be and who should it be addressed too!

i have the same issue with experian keep updated please

I cannot see them on the direct.gov website as a partner. i was hoping for someone with an experiance with them 21572931

Hi, Miller Pattison knocked my nans door last month, and i have since found out they are doing the loft insulation, she says its free part of the goverment grants, i know these grants exist but are Miller Pattison a legitimate company. Head Office 6 Park Square Thorncliffe Park Chapeltown Sheffield S35 2PH T: 01142 404370 F: 01142 404380 i have looked at some of the paperwork and non of it mentions the grants! ANY information / experiances, i would be very gratfull. Thanks

but they can supply the agreement can it be remved?

its on my credit file!

what do i do now?