My Samsung 42" Tv was taken away for repair by KNOWHOW on Monday Nov 11th and was returned on Monday Nov18th, but when the chaps connected it, it still did not work. So they contacted their office and were told to take it straight back. On Tuesday Nov 19th, I contacted the repair centre to ask for an update but was told that they did not know where it was at that present time, and they were investigating the matter.I contacted them again on Wednesday to ask if they had found it, and I was told that they were still looking for it. On Friday Nov 22nd I received a phone call saying that my TV was now in the workshop and being looked at. On Monday Nov 25th I contacted them again to ask for an update and was told that they had not started to look at it, it was waiting for an engineer to investigate the problem. I was told conflicting information through trhe whole of this time and I am very frustrated as I do not seem to be getting any answers despite speaking to the complaints department twice. Does anyone know where I go from here to get this sorted out.

Now onto Natwest... I previously had dealings with RBS... They wernt bad but wernt great. I joined up 5 days ago to get away from Barclays... and i thought all was good, asked for contact-less card etc, and also chequebook. Was promised that was fine. I get home today to find my new debit card awaiting to be opened... Open it up and to my horror, they havent given me a contact-less card. I ring in to them and say im not happy can they sort one out for me... "Sure" they say. Prior to this in branch they told me i could have one. Also the people in Telephone banking also said "The cards come as contact-less as standard" (Well clearly they dont) The woman on the phone was good tonight but had no idea why ididnt get one... On top of that theyve left me without a working debit card for my new account as they cancelled the card to try and send out another without my permission. The account i have with Natwest is a Select Silver Account. My friend has exactly the same and has the contact-less card chequebook and reader too. Now ive been told that i have a 14 day cooling off period that only works should i be unhappy about the insurance products, but in the T&Cs it says i cant cancel if im unhappy about any other element of the account. All i want is bank where i can spend my money as i see fit, have my salary paid into, and pay how i want too. I want a bank where things are 90% right and only Very rarely go wrong... But I really cant catch a break. For me this is usually a bad side of things to come so.... with that in mind. - Should i leave and return to Barclays or put up with Natwest making this mistake? - If i was promised this and they cannot deliver, where do i stand as above? Please feel free to visit the Barclays Thread here...

I have had problems with no signal or poor/intermittent service for the past 2 weeks, o2 say there is a problem with the signal in my area, I have asked for some compensation ( I am pay monthly) and they tell me that as they don't guarantee a service and (allegedly) the problem is only in my area due to a transmitter fault then they cannot offer anything. I pay monthly for a service that I am only receiving now and again , Does anyone have any advice, its really annoying I have had to ask friends to call me on the house phone as they cannot contact me.

I need advice about Sharkleys as right this moment im fuming. Also though, please feel free to comment on my Natwest thread that im about to post. Once upon a time, I joined Barclays (More closer to Feb 2013), and decided to make it my new banking home. I thought all was well until i received 2 cash account cards (Not even Visa Debit based cards) which to me annoyed me. At no point during the conversation i had back in Feb did they mention to me anything was wrong with the accounts themselves. (Youll see what i mean in a minute) Once i realised this had happened, I contact their complaints team straight away. We had a long indepth conversation and eventually i proceeded to make a formal complaint. They contacted the branch but they didnt answer and eventually had to override this element of the complaint... The only resolution they would offer would be closing my accounts with no further damage to me. I personally went into branch and spoke both the manager and also the guy who sold me the account. I took the paperwork with me and they were both shocked. The paperwork made no mention of a "Cash Card Account" and mentioned Current Account only in most of the T&Cs as well as the products applied for. So much so eventually the manager pulled the banker aside and said got very annoyed. She came back out an apologised profusely for the monumental mistake and advised it wouldnt happen again. She promised to try and make it up to me. I refused and went on my way. But the last thing the agent said to me was, "We dont inform you if you dont pass our basic checks for a standard current account". I continued on with current banking provider at the time, and decided in April to enquire with Barclays once more to see if they had got a little better. And this is where things started alright... for 6 months, everything seemed to be Hunky Dorey and i didnt have a qualm. (They had actually got everything correct this time around and they were precise and upfront.. . The manager was even happy to have me back) Then, in a previous thread, i mentioned about Barclays and their CS... One of their staff calling me an idiot. This went one step too far and this has now developed into a full fledged complaint that has been back and forth. This was in October The original resolution was to be an internal enquiry and no further action to be taken as far as resolving my complaint. However I said I wasnt happy and wished to take it further because at no point should I be spoken to in they way i was. So I went to the next level... I had prepared a SAR request for a copy of the call transcript. (Youll also see why in a minute) Along with a £10 postal order, I went into branch and asked them to confirm the address i needed to send it to. I get a ditsy blond that had no clue... and advised she would have to speak to her manager. (Same bank manager as before) When the manager came to see me i told her and she said good on me and pointed me to Customer Relations. (21st Oct) In branch they rang CR and asked them. (Disty blonde did anyway) and they advised the process was incorrect. I had to do a "Status Enquiry" request which as they were Barclays and knew their systems and processes better than I do, I followed along. They then also said i didnt need the postal order and the £10 would be debited direct from my account. So i left it. Expecting it to take up to 40 days, i let Barclays do what they needed it to do, But on the status enquiry form i had to fill in, I was very clear... I wanted a copy of the call transcript and also any relative information along with all statements to date, seemed simple enough. I also specified the account for it to come out off. 7 days later i get a strange letter from them stating that this is their opinion on me. "We believe that Fkofilee will not enter into any arrangement that he or she cannot fulfil. " Something completely different to what i requested, So i was straight back again to talk to their complaints team. Also Barclays advised that they can only take the £10 out of an account that isnt associated with the account i was requesting the "Status Enquiry" on. (This is more a trivial part later) They took the £10 from the wrong account. Their complaints team took this with high priority and had it resolved within 30 mins. PAid me back my £10 from the account and gave me £20 "Goodwill Gesture" (I hate that phrase ) and advise me the CORRECT process to register a SAR. So on the 8th November i went straight back in and did it the correct way. Now this part will continue in due course but now onto the next part. (40 Calendar days) Direct debits. I spoke to Barclays to cancel a DD that i didnt want to go out any more and it was cancelled direct with the company too and they were happy as they were paid up to date. However Barclays ont he due date permitted payment although the company in question HAD NOT requested it!!! Pretty simple this part but Barclays confirmed they had balls up again and had decided to give me £60 "GWG" again for calls and also the situation. On the 28th of November, I had made 3 payments to Vodafone, Metrobus (Local Travel) & Southern Railway (A lot of money was involved here , travel etc) they were all processed and debited from my account. i thought everything was fine and they appeared on my statements online. However... on the 4th of December i suddenly find a huge credit in my account that i cant work out for any reason... I enquire and Barclays say "Well we dont know" then it twigged the amount was the same as the 3 payments. So i ask them again and they say "They haven't taken or requested the payments" It gets better! When i speak to the companies they have been given 3 x authorisation codes which means they were given the rights to my money. Strange i thought! Then it twigged... when i received a letter on the 12th December stating that the 3 transactions were held under "Fraud Guard".... They wouldn't be released for another 14 days. (Thats right 28 full days after the payments were originally authorised. Barclays then mentioned that they had held them because my card had been cancelled on the 30th after i got another card made up in branch. (I sat on it and it snapped) I kicked off big time because i got a phone call from Vodafone threatening to terminate all the agreements i have... I have my family with them in my name... I found it strange though as they had got what they wanted... But the pushed it down to me to fight their battle against Barclays for money they were owed. I had to fight tooth and nail person after person kept telling me the funds will be released in "Due Course" (14 days, which is no good if Vodafone cut me off) Next I complain AGAIN and they pull their fingers out and the funds get released there and then!! And im happy. but yet again they offer a "GWG" of just £30 because they feel its more "My fault" for cancelling my card. The last trivial part of this is going back to the SARs request and closing an account with them. The account issue is quite simple. I wanted one of my current accounts closed so i went into branch in Redhill, they asked me why i said i don't want to say and they said, its closed for you. I log on line on Monday to find its still open and ring and speak to someone again from Customer Relations and they say that its a mistake by branch and they will sort it but till this day 5 days later they still havent gotten it closed. A "GWG" of £50 again for a monumental cockup and being indirectly called a liar by their staff again. My credit file aswell!!! That £10 hey took from the wrong account was registered on my credit profile. They couldnt "See" the information they reported on to amend... Oh i give up with that part. Finally the SAR... I speak to them to ask where is it? I delivered it to branch and they put the address on it and sent it off (I saw them do it). This is 48 days later and they still havent fully completed the complaint... and my SAR request... Apparently its been "Lost" by branch... I have now got to the point of just wanting to wrap my hands around the neck of the next Barclays employee... - Do I have a case for BCOBS? - If so, how do i go about this and do i need to send a "Letter Before Action?" - What should i take into account for this SARs Complaint as a reasonable resolution? - If you have seen my Natwest Complaint on my other thread... Who should I stay with? - If I take them to the Small Claims and i decide to stay with them if Natwest screw up, Whats the chances they will withdraw my banking facilities?

sent 3 items back to isme in same parcel. they received one back but not other 2. I have been trying to resolve this since December 2012 and still trying to get it sorted. sent at least 60 emails. isme recently told me to send them my original returns receipt from post office which I did recorded delivery and was signed for in march 2013 so they could make a claims with the post office. then was told they could not help me. I contacted someone else again at isme to go through all this again and was told all I could do was make my own claim with the post office I told this person twice now that I cant do this as isme has my receipt. she replied back to me by letter saying nothing she can do but make my own claim. I am wondering is she stupid or just not reading my letters to her. THAT I DO NOT HAVE THE RECEIPTS TO DO SO AS ISME HAS THEM AS THEY HAD ASKED FOR THEM. I am beginning to wonder if isme are pulling a [problem] as they know I cant claim without the receipts, they expect me to pay for items which I returned. MY ADVISE TO YOU IS DONT SHOP AT ISME

OK to keep it short and sweet, I have TV, Phone & Broad band with these muppets the broadband and phone service went down for 15 days to the extent where they had to dig the road up to repair the line. To insult me they would only compensate me £4 off an £87 bill, I said to them you failed to provide me with the service I have paid for therefore I would get at least 30% of the bill knocked off, they declined and said £4 was fair. Surely thats never right?

Good Morning I am currently using ThinkMoney as a main debit bank account and am looking to change. I have poor credit and was previously with Cardonebanking. Can anyone advise on a good basic account for people with bad credit? Any help would be much appreciated! Thanks

So the latest [problem] from the fantastic team at Currys PC World Knowhow. I phoned the team on 17th September. Told them that my cat had knocked my laptop out of the windowsill and damged one corner resulting in a dead HDMI port and audio wasn't working. I was told to take it into store and it would take around 5 days. I took it to the store, told the guy there same thing and he checked the damage and said it would be no problem. I then left it til 20th and called the team to see what progress was being made. They told me it had not been picked up and was not going to be until 23rd sept. I chased it the following Saturday, and was told it had all been repaired and was coming back to store by the Monday 30th oct. Then on the sunday I get an answerphone message to say the laptop was awaiting parts and would not be delivered on time. Called back and one of the team told me that it had been damaged when they were putting it back together. Admitted it was their fault. I then called several time s over the next week, and got told several different stories. On Tuesday 8th October it was 21 days, was told by the team and the store I was elegible for a write off and a new laptop of same spec. It was a good laptop so was happy at that. on the 11th I got a call to say the write off was being processed but they would only go to the value of what I paid for it, and there was nothing in the store at that spec for that price. Wasn't too happy at this, but said ok just to get a laptop and had the view that I could upgrade it. An hour later I got another answerphone message to say the write off was rejected by head office. Called back and was informed it had gone to head office and the damage was inconsistent with the fall and they had 2 different stories of the event so were rejecting it, and my laptop would be back at the store by the Monday. Monday comes, and there is no laptop in store, so called again, it was being reassessed, and got the news that the store had written down that it had fell down the stairs, and there was a crack in the mouse rest and a bulge in the case. I went back to store and spoke to the guy that booked it in. He confirmed the damage was not there when he sent it off and that the story was not the one I told. He called the team and confirmed this. I then called on Tuesday and spoke to the engineers. They admitted they had caused the damage, and assured me, with manager backing it would be written off by Friday and I would have a new laptop. I then called back on Friday and was told due to excessive workload it hadn't been dealt with. I then refused to get off the phone until I spoke to a manager and as a result was promised a call from the write off team by close of business. I got a call from Shaun from claim investigations, and was told that the laptop would get repaired but was not going to be replaced. He was extremely arrogant and told me there was nothing I could do. they would reapir the damage they had done as that is their legal obligation, but could not tell me how long it would take. I questioned the 21 day agreement and was told as per terms and conditions, I can request a replacement after 21 days, but they do not have to give one. So it is now day 35 without my laptop, I have no idea how long it is going to take, and I have been told tough, there is nothing I can do but wait. Knowhow?? know nothing I think........

I got myself a tv nowt fancy logic make the same day I got it I noticed a volume problam I ad no way of getting back to the store £15 in a taxi I rang up to b told I cudt change it I rang of a mobile asked wud they ring me back my credit ad gone 2s I rang n my credit went wen I finally got through sum guy in technical dep sed it woz my aerial I new it wozt all 12mhts iv rang complained 2s theyv tryed fixing it the faults still there iv prooved its not my aerial yet its not good enough they mite as well of gave me a blank garantee FOR ALL THE GOOD THAT DID ME it turns out I bought a faulty tv

Hi! My first time at this! Is anyone else like me and wonder why Tescos does so well? I go in there and all the drinks seem to be sugary rubbish. Most of the meat seems to be very processed , poor ham and beef etc. If you are trying to find healthy foods: salmon salads, V8 type drinks, unprocessed meat or let alone fresh fish. I suspect people have got so used to frozen fish or fish treated with bleaches etc they no longer know what the real thing is. Admittedly Waitrose and M&S are expensive alternatives and not perfect but surely people value what they are putting in their bodies more than what Tescos serves up? Also I don't buy it that people can't afford better food as the very same people who buy from Tescos can be seen lining up in KFC/McDonalds etc (all more expensive than the "better" supermarkets). Come on people, vote with your feet! No, I don't work for Waitrose..just interested in peoples thoughts! Mike

i moved into my property in jan 08, the first thing i did was to get sky installed, they was already a dish on the side of the house but the engineer put the new one on the front, come april/may we started to get poor quality signal and the picture was freezing, so i called them up and they came out, they said it was due to a tree over the road which funnily enough had some leafs on, with it being spring, and because they put it up in january when the tree was bare this was the reason for the picture, so they moved the dish maybe a metre higher, i asked them why they simply did,nt just use the dish on the side of the house, which is still there to this day, and they said everything would be okay now, but the last few months the picture has been really poor especially in windy or bad weather, i phoned them several times, i suggested that the tree might have grown but they want to charge me £65 call out fee, which i,m not happy about, i pay between £115 - £130 a month for there package so why should i have to pay for them to fix a problem which was fault to start with, any ideas what to do next, there is nothing wrong with any of the equipment provided by sky, (which as there agent pointed out is out of warrenty) it was put in the wrong place by the engineer, which i told them till i was blue in the face, and then i was told nothing could be done until i paid the call out fee, whats my next move?

I did a search earlier but most were a good few years old. Is it pretty much impossible now to get a mortgage with poor credit and to top off that one person being self employed? We moved to our current rented property but now the LL wants to sell, we would dearly love it but not sure if we would get a mortgage, even if its a higher deposit. Any information appreciated. Thank you

to cut a long story short. after having the rear of my scenic modified by a muppet in a merc. and months of arguing with the insurance company. sadly we were both insured by the same company. i am due to get my car back soon. its been in the garage now for 3.5 weeks and this is its third visit. the problem is that the car is a renault. with it being 8 years old it seems theyve forgotten how to make the bumpers. the first one really poor and does not fit on any of the seams. it is physically too small. the made to measure trim (also new) doesnt fit. now the garage had ordered a second bumper and have shown myself and an engineer from hoopers that although better, its still very poor and still not a good fit. at this point the insurance company feel happy that the work they have done is ok and the fault lies with renault. they have basically said this is the best it will get and there is nothing more they can do. now for me i just want my car back to as it was before the crash.

Every morning while taking my son to school, I have noticed a red BMW parked on the zig-zags of a pedestrian crossong which is located outside another school. So this morning I decided to dial 101 and pass the info onto the boys in blue thinking that over the next few days aropund the time of the school run, they would keep tabs on this. How wrong I was! "It's nothing to do with the police anymore sir, it's something you should report to the local council. They deal with inconsiderate parking matters". So I asked whether the law had changed and it is no longer then an offence which potentially carries points. The answer I got was "No sir, it does not carry points so therefore it is not a police matter, it is dealt with by Civil Enforcement Officers who can issue a PCN". So there you have it, you learn something new every day! Please Note The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only. I would always urge to seek face to face professional advice for clarification prior to taking any action. Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

I defaulted on a credit which I took about six years ago since I lost my job. The default has been on my credit record since but three years ago the credit was transferred to a debt collection agent who subsequently register the default on my credit record. It was transferred again to another debt collection agent who did the same. It was only this month when I noticed a CCJ for the same amount on my credit record and when I enquired I discovered it was from the original creditor. Can you help me please as I have three negative records from the same company relating to a single transcation.

I bought a new set of hairextensions at the weekend which are labelled as 100% human hair, I’d got themhome and opened them ready to put in my hair but my fingers kept getting caughtin them and they felt very non-human hair like. I held them up next to my 2year old, washed, heat styled and dyed hair extensions and the new ones seemedto really not feel like human hair. I was already on my third set of extensionsso I’ve had experience with quality sets and these are the worst I’ve ever had.I called the next day after I had spotted on the receipt that it says norefunds or exchanges to explain that I really wasn’t happy about the quality andwanted to have my money back as there was no chance I would put these in myhair as I didn’t trust them not to singe if I tried to style them. I wasadvised to bring them in but it’s not likely they would do anything. While I was in the store I wastold if they’re opened I could not return them and she would straighten them toprove that they are 100% human hair. She then took a more expensive set off ofthe shelf to compare and I said that they were nicer but if the original setthat I had bought were human hair, then they would both feel the same and shejust said they were treated differently. I continued to explain that I stillwasn’t happy, I wouldn’t wear them as the quality is not right and I’d alreadypaid twice what I normally do. She then called the manager who continued totell her she could not refund them as they were opened. She told me thatanother customer would not be happy to own them as they look pre-worn as theywere not tied into the packaging, and that basically I should bear that inmind. I said that I am still a customer whether I have paid or would beconsidering paying and should I still leave unhappy because they are worriedabout a future customer, and then I was told to sell them on e-bay. I was not told at the point ofpurchase that they were non-refundable or exchangeable which is something Ithought was supposed to happen anyway which is why I had planned to take themback, when I said this to her she said it does say it on the receipt...whichshe had put in the bag and not in my hand. Am I within my rights to return theseextensions and get a full refund? I will never wear them; they are still in theoriginal packaging (the purchase and call were within 24 hours of each other)and there is no way I will get the full amount back selling them on e-baywithout someone else making me liable for selling hair which I don’t believe isthe correct standard!

Been off CAG - sick for a while still reading CAG but not well. I am posting/creating a thread to help a friend based on previous comments I made on someone else's thread last year. Basically my mate cannot read well and cant use computers - he is a good plasterer though He got an online loan (with the help and advice of his ex mrs) from Welcome in March 2008 - loan for £5000 over 4 years £173.98 pcm payable - acceptance fee £75 added to the loan. interest rate 27.0% Paid it ok for 12 months no problems, had a problem with the bank and missed 2 x direct debits. They sent a collection agent around and my mate paid him some cash and then agreed to pay a higher monthly fee = £203.98 to reduce the term and thwart further charges (so he thought). loan finished in oct 2011 We managed to get around to SAR Welcome and they only sent a statement for the full term of the account, no agreement, no correspondence no letters - nothing, other than a statement showing breakdown of payments and charges made on the loan. there are 2 x £25 charges shown for march and April 2009 and then an amount shown as default sum fee interest which grows over a few months up to £1.12 and it remains at that amount for the remainder of the loan. Total paid back = £8206.62 I have worked out that somehow £3131.62 was paid back as interest which seems high at a 27.0 % rate Dont have the original agreement as Welcome didn't send it with the SAR results Anyway we are setting about claiming from them the charges and default sum fee interest at 27% How can i work out if the total amount paid back is correct? I worked out 27% of £5075 to be £1370.25 (is this the correct way to work it out?) Is there anything else should be claimed back? Thanks for taking the time to read any advice always welcome

I am one of 26 freeholder properties among 44! The other 18 are lease holders. The company that owns the lease hold "Landmark Investments" aquired the leasehold from the original builder approx 12 months ago. My story is: that we have been at this development for 8 years and have had no issues with the previous management services company until RMG were apointed by Landmark Investments at the same time of their owenrship of the leasehold land. All of us have to contribute 1/44th of the cost approx £200 ea per annum, however the management company now says that they are working on behalf of the leaseholder only and that any services that we had as a freeholder will no longer continue! The result is that open grass areas are now partly cut, or leaves are partly removed (only in front of leaseholder homes, brick walls & railings that were kept clean & painted are not in front of free holders properties, but lease holders are! Selective work is now being carried out on behalf of the lease holder, although we as free holders are still expected to contribute to the cost! Those of us who have decided enough is enough and have not paid , have been charged another £400 on top for late payment! Does anybody have experience of these issues, or could they advise a good legal company with expertise in these problems. RMG use bully boy tactics to get their money, but will not compromise in anyway!

Like many people I am so used to trusting the care we get off of the NHS, however recently I have found the care at my local hospital and health centre to say the least frustrating. I am 52 an ex smoker non drinker and not overweight. Originally diagnosed with Prolapsed disc, whilst having blood tests on inflammatory markers, it was discovered I had high cholesterol. I was prescribed with Simvastatin. My blood pressure was also high, so was also prescribed Rampiril. Another condition also came to light which was underactice thyroid and was prescribed Levothyroxine. Within a few weeks I started to get bad headaches in the Temple area jaw and neck. Was put on Prednisolone. when I put in my repeat prescription the Prednislone was not in and I ended up in A&E due to Addisons crisis, at the time I was withdrawing from Tramadol from my prolapsed disc episode and was pumped full of opiates. it was only when i went back to the doctors that I was told I should not have stopped the Predenisolone abruptly, told him I hadnt done this voluntarily that my prescription had not been issued. I had a biopsy for Temporal Arteritis, at the time of the biopsy on the temporal artery I was told as I was on Prednisolone it may not show anything! My urine sample showed high glucose levels and trace blood in urine. Now to top it all last Wednesday I was diagnosed as type 2 diabetic. Seeing 3 different doctors (no continuity at health centre) each asked if I was diabetic, I told them I did not know. It was only when i demanded (politely) to be tested was it diagnosed. Non of my medications have been reviewed since October. can any of these contributed to the onset of diabetes? The side effects appear to antogonise some other conditions had to have 2 weeks off work, due back at doctors on Monday also due back at work. What should i do, mood swings are worse as it affects family and friends and clients at work. any ideas on how to proceed or any advice Please as I'm extremely frustrated with a) Health b) ammount of medication I am on c) non communication to me or between doctors Thank you

My dad has recently had an operation on his spine. He has returned to work and requested a chair that is more supportive to his back and his boss has just said "great well go buy one then" !! My dad thinks it is in spite as he's had 3 weeks off over the operation recovery period. What do you think? Should the employer buy the chair since theirs are very old ad not suitable? Is there anything legal on this?

HI Found out in October that my sister had joined Gregory Pennington, really wish she had told me. within 3 months her debts had increased by £400 in bank charges and credit card fees. I have read through the code of conduct for Dempsa, and it states that anyone in extreme hardship should be advised that there are non profitable companies available, - does anyone know the definition of an extreme hardship case? I have all the sars info and a recording of the hour my sister spent on the phone, in my opinion they should have sent my sister away she had £4000 mortgage arrears paying £10 per month, £600 disconnection notice from Gas and electric, and £200 water rate arrears none of which was discussed during the conversation. it was just noted as £10 mortgage arrears. her disposable income was £98 per month, they have charged her £32 per month in the fee, and during the call she starts changing the financial statement to reflect a monthly plan of £200 per month as she had sold the dream of being debt free in timescale periods so my sister (still in denial at this point) said she could afford £200 per month. i have looked as my sisters bank statements and up until that point always keeps with in her overdraft limit, however after being told not pay any debts and transfer out her wages asap, and leave it to them some interest of £7 is applied. and is left accruing excess overdraft fees of £66, then £174 the next months, had she paid £7 that day she would have prevented this, but a little naive and trusting did nothing about is as was told. ultimately i feel that it is unfair of a company to charge £32 per month and have only £10 going to the mortgage arrears, and as a priority debt surely she should be paying £1 to all other debts and the remaining disposable to the mortgage. since this time i have arranged a more suitable payment plan with the companies frozen inter and bank agreed to refund some of the charges and we got her back in her overdraft. i think what im asking is should they have taken her on with £4k mortgage arrears? Would my sister be an extreme hardship case? have i got an argument to request the £225 fee plus £32 for 2 months back since they made her situation worse many thanks

Hi guys, Great site....it has helped give me the confidence to confront and repair by financial issues. I am in the process of compiling a letter to the credit card company I owe 6,500. I have been struggling for the last 3 years to make the minimum payments each month (sometimes having to borrow from family & friends) and have finally faced the fact that I can not continue like this. The last 18 months has participially been a challenge with the reduction of my working hours. So much so I rented out my flat and moved in with my brother and his wife to prevent the loss of my home. I've tried to borrow against my home to pay off the card as well as applying for a personal loans, all were denied (thankfully so, now that I am a bit more educated by the advice I've read on this site) I've read that by writing to the company I am in debt to asking for them to freeze interest and accept a monthly payment that I can afford could damage my credit rating. My concern is that I don't wish this to have a detrimental affect on the credit rating of my brothers household possibly causing them to have issues gaining credit in the future. Is there anyway around this? Thanking you in advance for your replies.

I was wondering if anyone had any advice on the best Bank and/or account for those with a poor credit rating, including an outstanding CCJ? All that needs to be done in money to be paid in and a debit card facility to allow for online payments (particularly for council tax) Many thanks.

Mark Hoban Begs For Help With Floundering Welfare Reform Story http://johnnyvoid.wordpress.com/author/johnnyvoid/

Insurers caught snooping on credit files to make poor drivers pay more for car cover than rich ones Britain’s biggest insurers are conducting secret credit checks on drivers and using data to pinpoint claims hotspots in a bid to hike premiums. These tactics supposedly give the firms more detailed information about what kind of driver you are. But increasingly they threaten to push up prices to even more eye-watering levels. The tricks are revealed as fears grow that perfectly valid insurance claims are being kicked out simply based on a gut feeling that drivers are lying about claims. Your credit record contains all your personal information including your history of repaying credit cards, debts and even mobile phone bills. The theory is that drivers with low credit scores are more likely to struggle to cover the cost of repairing a car — and so would be more likely to claim. ‘This is appalling. Insurers are saying poorer people are riskier,’ says Marc Gander, founder of campaign organisation Consumer Action Group. ‘I doubt there are any proper statistics to prove this. It is just insurers looking for another way of grabbing more of our cash.’ It is understood that trade body the British Insurance Brokers’ Association (BIBA) is so concerned about the trend it has launched an investigation into how insurers are using these personal details. Graeme Trudgill, head of corporate affairs at BIBA, says: ‘Already if you are unemployed your insurance premiums will be higher because the insurer will believe statistically you may struggle to maintain your car. Doing a credit check would be taking it to the next level.’ Britain’s biggest insurer, Aviva, confirmed it ran credit checks on customers to help decide what kind of premium to offer them. Read more: http://www.thisismoney.co.uk/money/cars/article-2222085/Why-poor-pay-rich-car-cover.html#ixzz2BqcdzLQX