Showing results for tags 'application'.
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I am 80 years old with mortgage arrears, council tax arrears and a maxed out credit card. Plus, I am behind with my gas and electricity payments. If I don't qualify for hardship, then I don't know who does. Is it worth the time and effort making a hardship application with Lloyds Bank? If it is worth it, then can I claim back to 2006 or only 6 years? Is there a good template letter available? worth a go, then I want to get cracking. I think they have robbed me of £600 or so all told, solely through charges on unpaid direct debits and standing orders, so as well as the money really helping me now I don't think they ever should have taken it in the first place. As far as I can make out, their system just 'autopooped' me letters based on nothing more than computer entries. The letters don't serve any purpose either, as I have never in my life not been informed by a company that didn't get their money. The banks should just stay out of it and mind their own business where unpaid direct debits and standing orders are concerned. It has to be one of the biggest charge cons going. Any advice greatly appreciated. Thank you.
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Concerning the issue of whether we are a casual worker or a an employee there is many criteria to consider for example the time we work for the employer, our skills, whether he employs us only in case of shortage or during peak time or he uses us in the normal running of our business...etc. However I would like to know if the conclusive evidence is not when the P45 has been issued because if it has been issued one year after the start of employment this means that we are now an employee. It is up to the employer to decide if he need us anymore or nor and as a consequence if he send us our P45 or not. If the employer decides because it is not convenient for him not to issue a P45 at the end of each project we could be consider as an employee There is also the issue of HMRC and in order the employer not to pay tax maybe a worker has to work only for a small period of time and not come back for a long time There is also the issue of the difference between temporary employee and a casual worker
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This is a problem that I cannot find an answer to. We bought a property by cash in 2007 and then we took out a "Mortgage" on the property with Abbey National (aka Santander) then I took out an unsecured loan, and credit card with Nationwide and all was good. My business went bust with the collapse of an airline and all went belly up with my house being reposessed(bySantander asMortgagee) and charges put on the property by Nationwide to cover debt (I never challenged the charges as my wife had a breakdown and could not cope).They reposessed the property in 2010 and put it up for sale. Late 2010 we drove past the property and thought we had squaters and we had to contact Santander to be told the property had been sold (they had our new address but never told us) and the surplus money (£32k)was held with there solicitors.We contacted there solicitors and they said that Nationwide could not sort out a settlement figure due to a lack of information. I have spoken to the solicitors so many times and it was stall stall stall, with the money not gaining any intrest I wrote a complaint (2012)and left it at that.I called the off spec in July 2013 and they told me due to Nationwide not providing the information they have placed the funds with the Court Funds service and upon writing to them Ihave recieved a N244 form to fill in requesting why I should have the money?. Now due to my debts (Nationwide) I wont get any money back but my wife should be entitled to half of it as the debts where in my sole name. When filling in the form do I ask for all the money due to incompetance from Nationwide or just for my wifes share, Do I also mention on the N244 the charges that are present or do I leave them off. It seems the Nationwide problem is due to them changing solicitors at least three times and they cannot locate there paperwork. Any help would be great. Nick
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Hi, new user here. I have an ongoing dispute with Aktiv Kapital over an MBNA card and would like to check the application form they sent me, but I can't access them in the library. Is there any reason for this. Thanks Fallman
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Ok, a very strange one for me, and one that I would appreciate some help with. Decided to get some things for the family from Currys the week before Christmas. Went into the store and realised they do credit over 10 months. Went through ID checks etc, computer system instore processed everything, management signed credit agreement, as did I (copies of agreement attached). All was well, family enjoying their gifts, when a letter arrives today saying: 'Due to an administrative error our finance company has not been able to process your credit application. We wish to resolve this matter with minimal inconvenience to you and would be grateful if you would select one of the following options: 1. Please provide us with a copy of the agreement held by you. 2. Make alternative payment for the goods. 3. Contact us by telephone.' (copy of the above letter attached) All sounds rather strange to me, and they are being far too nice for someone I owe money to. I want to make it clear that I have every intention of honouring the agreement authorised in store, and will continue to authorise payments to be taken from my account until it is paid in full by October this year. If they do not take them then I will do it manually with a reference number and follow up in writing. I do not have the money to pay for the goods, and am I supposed to wrench the new gifts from the children when Currys authorised this after running their checks and entering into an agreement with me instore? Just after some advice really in terms of where I stand legally. I would have thought they have to honour the agreement now, don't they? Many thanks in advance to all who help with this one!
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In short the title pretty much sums my current problem , the DWP are claiming they do not have my application for DLA back in Oct despite having sent a letter to me back in Nov saying they were passing it onto PIP for assessment. When a family member phoned the DWP they claimed they have no record of it and in the meantime my PIP former DLA has been stopped ( without any forewarning or letter ) which in turn has reduced my incapacity . As this is not my mistake and I only responded to what I was told in that letter I do not see why I should be penalised for something that is not even my fault and find it conspicuous too that they would cut my benefits without being aware of a decision from PIP regarding my application when they said it was up to them in the first place ( hence the reason why they were passing it on ) . DWP have also claimed because they no longer have access to records to check whether it was there and as I said PIP are denying they have it , so whose responsibility it is actually ( I would of assumed DWP ) because clearly PIP did not cut my DLA if they did not have my application , or did they ? Again , no letter was sent by PIP either to say they've received nothing from me or DWP , so how was I meant to know ? I have written back to PIP asking them to contact DWP about this because it seems my application has been lost during this transition over to PIP but in the meantime I'd appreciate any other suggestions on what I should. thanks again, mike
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My friend was living with her brother, and unknowingly he handed in his notice to leave, she was informed 3 days before that she had to leave.... nice brother hey. Shes pregnant at the moment as well. So she made an application for homelessness through her local authority. They have ducked and dived on this situation, they have sent her off to other councils to apply. Anyways long story short, they have put her now in temporary accommodation. However they rang her christmas eve to tell her she is intentionally homeless as she had a tenancy on a property a year and a half ago, a 6 month tenancy, which she left after 1 month, as the person she was sharing the property with turned nasty, and people were trying to break into the property all hours of the day, as the person she unwittingly shared the house with was into some bad activites that she had no knowledge of. The properties she has lived at since then the owners have declined to put her on the council tax lists there.... fraudulently of course. So deny that she has been staying there.... this includes her brother. Are the council acting within their rights here, as theoretically she has been temporarily housed by them already. She also suffers with anxiety and depression and the whole situation has affected this so she is now applying for ESA, as the doctor has signed her off.
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Hi can anyone help? We viewed a property that we liked and we told the agent that we had adverse credit and an IVA. The agent said that the landlord was flexible and we COULD use a guarantor for this property. We were led to believe that if we failed the credit check (which we thought we would and were honest about) it wouldnt be a problem as we had a guarantor in place. The landlord accepted our offer for the monthly rental price and we went to the office to pay the application fee and fill in the application forms. Upon returning the forms we left the credit page blank so we could ask the agency staff member AGAIN that a guarantor was acceptable for this property. She stated our IVA and adverse credit on the application form, then proceeded to give us a guarantor form for us to fill out quicker upon a failed report coming back. We left the office after paying £180 for the application fee assured that we would be accepted for this property by way of a guarantor. The following week from the initial viewing i received a phone call stating that the report had failed and the landlord is not accepting it. i asked about the guarantor and he said no, not even with a guarantor. He offered to show us some more properties which were not in the same area and quite dismissive about the first property. My partner had gone abroad for a few days at this time and i told the agent i would get back to him. The next day after liaising with my partner i rang the office to complain that i wanted the application fee returned, as i thought the way the guarantor option had been withdrawn was unfair. this was the only reason we paid the money as we knew the credit check would fail. I said that if the landlord was not willing to accept a guarantor they should have told us at the viewing and we would not have gone ahead. She said that the landlord was willing to accept a guarantor at the time but he has now CHANGED HIS MIND and that he has a right to do that as its his property. She also explained that a credit check has three outcomes 1=pass 2=fail recommending a guarantor 3=outright fail. This was NOT explained to me on the day i paid the fee and she admitted that on the phone. She said the only way they give refunds on credit checks is if the landlord withdraws from the deal. i said he HAS by refusing a guarantor after saying that he would accept one at the start, so its his fault it hasnt gone ahead. This is stated in their terms and conditions on the back of their application form, however she didnt photocopy the form double sided so i dont have a copy of that and she didnt show me in the office either. She said that she is not able to issue refunds but she will pass the message on to the manager who will tell me exactly the same thing and refuse anyway. Is there anything i can do about this as i really think this is them twisting the terms to make quick money on a property before they get it let. thanks -
hi could anyone tell me where to post a new thread regarding an interim charge order being made on a county court judgement please.
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Hi Guys, I am in trouble and need your help. A solicitor has made an application for an "Order for Sale" of my flat due to a debt from a court case I lost last March. The debt is for £45,000 and the equity in the flat would fall a tad short in my opinion. I live here with my 18 yr old daughter who is at Uni and 2 dogs. I lost my business In May and now have a part time job 3 days per week so I cannot even offer them payment in instalments at the moment. Any advice would be greatly appreciated/ Many Thanks.
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I'm new to this site so please bare with me, hopefully I have posted in the right place. On Saturday 26 October I went to PC World/Curry's to purchase an Ipad and 3D TV on their buy now pay later scheme. I was told that as I was purchasing an apple product I could have the 12 months option. As I have used the scheme before with PC World and Creations I thought all would go through without a hitch. I was stunned when I was told that the application had been declined and was given a letter by the salesperson. I promptly telephoned Creation to be told by the person on the phone that it looked like all the information had been entered correctly and I must have been rejected because of something on my credit report and should contact Equifax. I knew that there was no problems with my credit report as my bank gives my access to ID Aware acts the same way as Equifax. I have a high credit score, which they say is in the top 20% of the country and everything on there says either settled or cleared. I registed with Equifax so I could see the information they were holding. Again I had a high credit score and everything they held said excellent or good. I spoke to Equifax who told me the problem must be with the lender. I have emailed Creation again who have told me that the rejection was because of their internal credit scoring, but they won't give me any information as to how they have reached the decision. I am at the stage now of wondering, does an application get rejected from an applicant who has no debt, has never been in arrears with anything, and has always cleared the amounts borrowed from Creation in the past well in advance of the 6 months period. Is it a false promise of buy now pay later, but make sure you don't pay by the due date so we can make some money out of you from charing interest fees? Has anyone else been in this situation and if so how did you resolve it? Can someone five me some advice as to how to get the the bottom of a matter that Creation just won't discuss. I thank you in advance.
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I am self employed and my earnings vary a lot often for a short period oftime. My housing benefit claim was already close once because my earnings weretoo high. However the problem is that my earnings vary a lot often for asmall period of time and it is inconvenient for me to make a new claim forhousing benefit each time my earnings vary. I would like to know how to explainmy situation to the housing benefit department to avoid that my claim is closedeach time my earnings vary temporarily I would like to know if there is a specific law for self employer or if I have to file a specific form -
My son had to apply for his first adult passport and decided to do it online. After using the Google search engine he logged onto what he thought was the official passport website. He filled it it in and paid the fee of £62.50. 3 weeks later he got the form back there were issues with the form and they wanted the fee. After contacting the passport office we were told that it does happen all the time and these websites are not official. So now my son has now to finish the form return it and now pay a further fee of £72.50. It was his mistake and unfortunately I do not think he will be the only one. Lesson learned but he doesn't have the £72.50 to now pay the fee for the passport. I googled problems with companies who charge for an online application service and found an article in the Guardian by Miles Bignal who also got stung by thinking he had filled in an official form. We are gutted for my son who innocently thought he was doing the right thing, the form is identical to the official form. This post is to warn everyone just to make sure they don't make the mistake we have !!:sad:
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Hello. I am currently getting income based JSA for about 1 year now. I stay with my mum, But all of a sudden my mum is saying i need to pay £27 towards to rent as the council will only pay £109. So why now do i need to pay. I have a brother who gets ESA, and my mum gets income support. What are causing the housing benefit deduction, My brother only started claiming ESA this year in march, And all of a sudden the housing benefit is cut. So could someone help me because i am getting the impression the cut is because of me but i have been getting jsa for around a year and my mum has been getting full housing benefit since untill now.
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Hi Folks, I had sent Amex £1 and requested CCA. They responded by saying chargecards are not regulated CCA. I then asked the DCA in question the same question and they have now sent me the below attached application form purporting to be the agreement but there are no T&C. The application is a very poor quality yet they are threating me to court if I don't pay the DCA. Is this application form enforceable ? please advise as I don't remember ever signing an agreement back in Feb 2006 with T&C. I have also asked the DCA for default notice, termination notice but they are not able to comply to my request apparently. Any advise on Law in regards to charge cards with prescribed Terms ? [ATTACH=CONFIG]45866[/ATTACH]
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Hi can anyone help me in 2004 I did a online application for a egg credit card the ppi box was pre ticked and wouldn't let you proceed unless you left it ticked i clicked and got card. I then phoned egg to say that there was an error and I didn't want ppi they said ok we will cancel in dec 2012 I got a Barclays app and while checking my accounts found ppi had been taken out I called new owners barckays told them them said we will cancel it then I claimed they twice said no now gone to FOS what are my chances I did tell Barclays and FOS that reason I didn't want ppi was I was covered by my employers fully been with them since 2002 sent Barclays a letter from my employer showing this need to know if anyone has been successful regards -
hi, i rent a room in one town (near my works and children) and my partner (not the mother of my children) rents a house in the next town, she is signed off sick and has a daughter. i cant move in to her home as she is being evicted as landlord is selling up, section 21 ends in september and her local council are not helping much they just say she will have to rent another private which isnt easy since she isnt working and on sick benefits due to ongoing heart issues for which she is having open heart surgery for very soon. i work full time but cant have her and her daughter live with me as i rent a room in a house to keep costs down so i can pay for my children and not go via csa. i have already registered for housing with local council in my town but of course can only apply for a 1 bed place due to it being just me. i have now filled in a change of circumstances form and added my partner as we were thinking of moving in together in the new year (have been with each other for several years so not a rushed thing) with all that is happening her end i dont know what to do as she is going to need me with her full time during and after surgery. have i done the correct thing adding her via the change of circumstances form with my local council? as i hope they will help us get a place together and soon due to her condition . we did not want to move in under these circumstances but i need to be there for her full time. since we are both living in different towns i am just wondering what the best thing to do or push for. a very odd situation and any pointers would be great as i am worried about her condition and the stress of all this being evicted is having on her but also wanting to get help with a council home not private rent as i cant afford to keep both of us on private rent rates. thanks. -
Wondering if somebody could kindly offer some advice please? I had small claims proceeding issued against me via Northampton (CCBC) but early last year it was struck out. I presumed all was sorted but I have today received a notice called a General Directions Order saying The application to re-instate the claim shall be heard on notice to the Defendant's local court. with a Notice of Transfer of Proceedings. What do I do next? There's no instructions with the "Notice of Transfer of Proceedings" or the "General Directions Order" -
I have a 2005 application form sent in reply to a CCA request. I'm happy that's it's unenforceable as a CCA, but one issue I'm particularly interested in is Cap One's signature on the form. Just want to know if they hand signed them. It looks hand signed, but does anyone know if this would have been the case? I can't attach mine at the moment, but it's the same as in post number 62 on page 4 of debtuptomyeyeballs thread entitled Help-Needed-Capital-One-Default-Served (can't post links)
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Hello, I have been looking but can't find an exact answer, If someone with a good credit rating makes a joint loan or mortgage application with someone that has poor credit rating, assuming all payments are made on the new loan, will this damage the credit rating of the person with a good rating?. (and can creditors decline a loan in the future just because you had a joint application with someone that has poor credit in the past?). Thanks
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Advice no longer required. Please delete.
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Hi, First post here so hope it all makes sense. As the title suggests I have (at the beginning of the year) been rejected for life insurance policy. Without boring you all with the details, I applied and answered all the questions honestly including answering that i had had some numbness/cramping in my legs at that point. The application was referred and I received a letter from the underwriter asking about any investigations/diagnosis I had had into this. I replied that I was seeing a Chiropractor who believed it was nothing more than postural and with some treatment I had indeed seen an improvement. I then received a letter stating that the company were unable to insure me due to an undiagnosed medical condition. At this point i visited my doctor and was sent for some tests which let to me being diagnosed with a vitamin/mineral deficiency and given high strength vits by way of treatment. So to the questions. 1) Do i have to tell future life insurers about this refusal as I seem to find conflicting information on whether in constitutes a refusal or not. 2) If i want to buy say home insurance do i have to declare it here as well? 3) Should i go back to the original insurer and get it sorted there. Hope that makes sense, I am needing to get life insurance sorted soon as I am buying a house but i am scared that i will never be able to get it even though i am medically fit and well. Help. Cheers Morn -
Hi All Apologies if this is a common thread but Iv been reading for hours and coming up short and getting more and more confused as time goes on. I have had some advice which was very honest but has left me even more confused because i have two options so I figured I have nothing to lose by asking! Naturally I would prefer comments where PEOPLE KNOW what they are talking about as I have had enough guesses!! My situation is that I have a loan with GE Money which is a second charge secured loan which was originally £13,000 and is still £11,405 with about £7,000 arrears and only 1 year remaining. I understand the loan to be covered under the Consumer Credit Act and I have been told that this gives me the option of applying for a time order, however I dont really know what this means and certainly dont know how to apply for one other than filling out an N440 application. The reason I was directed towards a time order is that it apparently gives the Judge the power to grant more time to my loan as I only have about a year left and to clear the arrears over that period id very high. My eviction however is in 2 weeks. Is it too late to apply for a time order, will it be considered or just rejected and the eviction enforced? It was suggested that i apply an N244 application to get a suspended order to either agree to the ridiculous overpayment, or ask for time to sell, and then apply for the time order once the eviction is out the way. I just dont know the validity of either approach or the liklehood of getting them through, time is running out, and I have to do something!! Any well founded advice is very welcome! -
Good Afternoon All. I've received an attachment of earnings order and am going to respond requesting it to be suspended. There is a very small box on the application page to complete regarding the reasons as to why you are applying for suspension. Ideally I would like more space to highlight the few key reasons, can I enclose a small slip of paper with this on or won't it make any difference whatsoever? Thank you! Have a nice weekend.
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(this doesnt exactly fit in this section but i cant find a relevant section) Hi all, i am in the process of sending off for my SIA door supervisor licence, i have filled it all in but there is a section about previous names (this is where it gets confusing) in 2003 i changed my name by deedpole as a bet (it was a stupid name) i was only at college and didnt register it with them, the only people that knew my new name was my part time employer and my bank, i had no direct debits etc as i was only 18 and living at home. Should i include this on the application? as there may be no record of this previous name if they search for it as i couldnt drive and didnt update my passport etc so didnt have a drivers licence with the name on, as soon as i started applying for full time jobs i reverted back to my birth name. Im just worried it may delay the application if i include it or even flag it and make them refuse my application. Thanks
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