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Anyone like to express a view on password managers - what is best/easiest/best value etc etc etc. Ta -
I have been looking into entitlements all day and I am just going round in circles. I could really do with some advice. The abolishment of the family element in housing benefit is my main worry. I don't know if it will affect me or not? I have a 2.5 year old and our second baby is due in May, and according to 'entitledto' we will be entitled to some housing benefit in 16/17. But I don't know if this will start after I have the baby, or when I go on maternity leave in April. Also, as mentioned above, I don't know whether the abolishment will affect the result I am getting. I know it only affects new claims after 1st May, so if I submit my claim in April when my maternity leave starts- will I be entitled to the family element? I am thinking I will still get it, because I already have a child and my circumstances are changing prior to 1st May. Now, it seems I will be entitled to more help (around an extra £70 a month) if I do not continue with my childcare vouchers through my employer. But I don't want to opt out of the scheme to find that the calculations were all wrong and I would have been better off with continuing with the childcare vouchers. Would it be possible to cancel the childcare vouchers once I've heard back regarding my claims? Anything else I need to consider? Thank you in advance! -
Hello, My ex hubby and I took out a loan in 2003 with Citi financial, it was never paid off due to running into difficulties. It is now been paid through the courts. After reading the paperwork from Reston solicitors we noticed we had paid ppi on the loan of £2373.53. I want to claim it back if possible but I have to much going on in my life to do it myself so want someone to recommend a company who don't charge the earth to claim it back for me. Thanks in advance, Debbie -
Hi Everybody, I have a local cafe business which I am looking to relocate to a better, more prominent area of my town. At present, I have been trading for less that 1 year yet the business has seen significant growth and customer footfall is increasing despite it’s current location within the town’s local market (which has seen better days!) Recently, a rare opportunity to rent a shop on the main busy high street has presented itself and I am very eager to move my operation to this new premises. The shop is smaller than my existing premises, however I would be looking towards providing ‘food to go’ rather than offering a seated menu. Furthermore, I would be keen to carry on renting my existing kitchen facilities to produce the ‘food to go’ for the new shop, with the existing cafe operation being reverted back to how it was before I took over – moving my branding etc to the new shop. I have a 2 months waiting period before the occupiers of the new premises move out. What would be the best strategy to help me pull this off successfully? All advice and constructive criticism will be greatly appreciated -
Hi long time lurker. I have got into a situation where I have ran up some quite high debts with Mbna and Barclaycard and these are due to pop the interest rates very soon. I have been reading that sometimes a DMP is not the best way to get interest frozen and maybe to stop paying all together to get the debt moved to a DCA. I am a home owner with not much equity and owe roughly 15k to barclays and 10k to mbna all debts are 2 years old and fully paid no missed payments or chaerges on the account . thank you
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First let me say hello and thankyou in advance for any advice or help. A brief account of my problem... Received court letter from hoist holdings re debt from Lloyds. It is a CC and was used from around 2007 - defaulted around 2011 . They are claiming in total with court fees and interest a total of just over 9k. They have and will continue to add interest every single day so this debt will only get bigger. This is what I have done so far - 1. Sent a letter to hoist holdings asking for copy of credit agreement etc 2. Sent letter to their solicitors requesting CPR...agreement/contract and Default notice. ** its not really relevant but it was never my intention to get to this postion. the CC was taken out while I was married and naively I thought that my job would be secure..my marriage would last... In 2011 it all changed and I found myself divorced and on job seekers.. I did in 2011 write to folk with a breakdown of my finances and a letter explaining my situation. Offering a token payment with the promise of larger payments when I found work etc. They did not want to know, and went on to sell the debt on... ** Sooo fast forward to now. And I got the court letter... which I have dealt with as above. I have looked on another website and only seen this website today. I wonder ----> what forum would be best for me and this issue? any advice or comments would be appreciated. Thankyou folk :0) -
http://www.autoexpress.co.uk/car-news/65567/best-car-insurance-companies-2013 I'll add my own experiences with swiftcover through and beyond this period start 2013 - start 2015 It was initially very difficult to contact them if you had doubts or problems with 'self management' at the start, but by the end of my time with them, the email contact had improved massively and the responses were good rather than just a response referring you to the premium rate number as it was at the start. The self management online changing of features/cars was effective and penalty/charge free and gave no shocking increases in charges as a result, and in one of the cases resulted in a reduced premium with the difference speedily paid back into my account. I did not need to make any claim, so cannot comment on that side of their service. I left due to increases in basic renewal premiums/cost, parhaps due to the increased cost in customer service. No issues at all with leaving. and the 17 years NC was on the renewal offer and confirmation available for download from myspace on swiftcover. They also apparently confirm to other companies on request - per Hastings Direct.
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It's bothered me for some time that I pay for a packaged account with Lloyds. I've had more than my fair share of financial problems and one of the few plus points on my credit score is that I've had my bank account for a long time. I was investigating "free" accounts and came across a number of sites claiming that packaged accounts may have been mis-sold, hence my visit here. I originally signed up to a Gold account in the late 90s because I had asked for an overdraft increase (£2,000) and was told this was the way to get it. I hadn't realised the full "benefits" of the package (probably still don't) although I did use the breakdown service a few times around 2005/6. In 2009, after a period of unemployment and temp employment I went back to University to retrain as a teacher. As the account I had was more expensive than a "student account" and the overdraft was long gone, I applied to Lloyds to change the account to a student account but was told that because I hadn't got the best financial history (returned payments etc during unemployment period) they couldn't change my account. I was, therefore, trapped into continue to paying the £12pm. Do I pursue this for the original mis-selling, or just from the 2009 point where I was trapped into the paying the increased amount? Is there a 6 year limit on this?
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From: FBI HEADQUARTERS WASHINGTON DC (info@fbi.org) Sent: 20 November 2015 00:38:44 To: ANTI-TERRORIST AND MONETARY CRIMES DIVISION FBI HEADQUARTERS WASHINGTON DC FEDERAL BUREAU OF INVESTIGATION J.EDGAR HOOVER BUILDING 935 PENNSYLVANIA AVENUE, NW WASHINGTON, D.C. 20535-0001 THIS IS TO NOTIFY YOU THAT FUNDS VALUED AT USD10,500,000.00 HAVE BEEN TRANSFERRED INTO YOUR BANK ACCOUNT. THIS TRANSFER WAS STOPPED TODAY BY THE FEDERAL BUREAU OF INVESTIGATIONS (F.B.I) BECAUSE OUR VERIFICATION SHOWS THAT YOU DO NOT HAVE THE DIPLOMATIC IMMUNITY SEAL OF TRANSFER (DIST) TO SHOW THAT THIS FUNDS IS LEGIT AND RIGHTLY BELONGS TO YOU. YOU CAN OBTAIN THE DIST DOCUMENT AT A FEE OF USD650. REPLY TO THIS NOTICE SO WE CAN DIRECT YOU ACCORDINGLY WHERE YOU WILL PROCURE THIS LEGAL WIRING DOCUMENT TO FULLY AUTHORIZE THE CREDIT OF FUNDS IN YOUR MAIN BANK ACCOUNT. EMAIL: fbi.fund.alerts01@e-mail.ua YOURS FAITHFULLY, SPECIAL AGENT Andrew Castor, mail: andrew_castor@aol.com ON BEHALF OF THE FBI DIRECTOR
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Man rescues fox and finds his new best friend (VIDEO) Read more at http://www.dogheirs.com/george/posts/1632-man-rescues-fox-and-finds-his-new-best-friend-video#iZpGPJDHBpTUi9hk.99 There are two videos,one showing Foxy boy having his bath and being blow dried. Likes looking his best. A day in Foxy Boys life. Jack he is called. I have taken quite a liking to Jack the Fox and his owner. Feel free to post pictures of your best animal friend.Pet or wild one you have befriended perhaps. Then anytime you like you can come back here and remember your friend. Days,weeks,months,years later perhaps. Looking forward to seeing your friends. Feel maybe many are wanting to post pictures and are out there in webland. Somewhere in the world. Just register here and off you go.Come to the Bear Garden tell us your story.A picture perhaps. http://www.consumeractiongroup.co.uk/forum/register.php -
Hi all, I have received the obligatory letter from BC, acting on behalf of Lowell who are acting on behalf of Orange lol. I've got the standard "you have 14 days to pay us or we're taking you to the small claims court" letter. Is it best for me to ignore this as per title? The debt is not statute barred. Many thanks -
Hi. I had a medical last month with ATOS, and got a letter recently putting me in 'work related activity group' . I then got an appointment with the job centre which I went to last week. It was basically a woman talking what to me, with what sounded like jibberish for 10 minutes before handing me a paper leaflet called 'work programme' , it didn't really have a lot of information on it. Yesterday I got a phone call from another lady from a company called 'prospects' we were on the phone for about half an hour whilst she reeled off bizarre questions which had no relevance to my situation whatsoever, she also didn't really know why I was on ESA . and said I had been found fit for work which is why I'm on the work programme . But if I had been found 'fit for work' then would I not be on JSA instead ?! I have been told to expect a letter or a call next week from my 'new advisor' who will arrange an appointment with me. I a!m ever so confused now. Theres no way I can sit in any 'group inductions' or go off on any courses, not at the moment anyway. I'm trying to remain calm but this has panicked me no end. Am I suppose to be on a 'work programme' so soon? And what does it entail? -
Having taken up residence in my new home, and being currently an empty shell, I have a blank canvas to work with It seems i have one wall with that horrid artex type wall paper with all the dimples, the remaining walls are the normal vinyl type that you can wipe down. I prefer not to rent a steamer so the good old elbow grease is the order of the day with a scraper I have been told to score the paper with a scraper then use fabric conditioner in a spray bottle. And Decorators out there with the best methods with minimal fuss??
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Hey guys, i'm quite new to this so i apologise in advance if there has already been similar posts been put up about this sort of stuff. my situation at the minute is that i'm in a stepchange dmp for the value of around £3000 split between five creditors, On my credit report two of them have defaulted and the others have arrangements to pay on them. I'd like to start building my credit rating back up as soon as i can the advice i'm looking for is whether it's best to stay in the dmp which will take five and a half years to pay off or default on all of the debtors and make a deal with the collection agencies for a smaller more affordable sum which then i will hopefully have the defaults drop off my account in around 6 years. Thank you for any future help on this subject, look forward to hearing peoples views and help. Thank you -
Hello, Just before christmas 2013 I got a parking charge notice put on my windscreen after parking in an allocated parking space for a small industrial unit that was unoccupied (To Let signs up, chained up doors). The site was approximately 15 small adjoined units built around a car park with about 50 spaces, each unit having a number of allocated spots. I believed that as the unit was not in use, nobody would even notice, let alone care if I parked there for 10 minutes. The space was not directly outside the unit and I was not blocking any access. The car park was only about half full and I saw no UKCPS signs whatsoever when I parked. After returning to my car and realising that where I had parked was the domain of a private parking company I had a look for some signs and found one approximately 8 ft (maybe higher) up on a wall of an industrial unit opposite, facing the entrance to the car park (not visible from where I had parked, and not readable or even particularly noticeable to drivers when entering the car park). A few years back a friend of mine had been issued one of these tickets, ignored it and never heard anything again, so at the time I just drove off, not unduly worried. It turns out the car park for the industrial units was owned by Co-op, although separated from the actual nearby co-op car park by a canal and a fence (no signs to show that the co-op also owned that land at all) I ignored the letters they sent (I realise now this was out of date advice), and after 3 or 4 I heard nothing more for many months until a County Court Claim Form arrived this morning for £175. Unfortunately, I did not take any photos at the time as I was not think that UKCPS would actually chase me. The site has now been bulldozed to make way for a new road. Given that my main defence seems to be inadequate signs and I have no photographic evidence of that, are there any other good avenues of defence I should use in addition? Thanks in advance, t -
Evening all. I've had an issue with a debt for Capital One and have now had a response to a SAR. On the basis of this I would like to complain with a view to getting charges and/or PPI returned and I'm looking for advice on the best arguments to use. Within the SAR the records show the following: The account was in 'good order' until October 2008, at which point I became unemployed. Although I believe there are calls not listed as an absolute minimum they show that in December 2008 and February 2009 I indicated my employment status and a need to claim under the PPI - no action was taken. They continued to charge PPI until defaulting the account in July 2009. They added charges (including PPI) of at least £294.00 - on a debt that stood at £198.16 at the time payments stopped. In addition they ignored a letter sent at the beginning of September 2009 offering a standard split payment with other creditors, including a full budget, requesting they suspend charges and interest. Instead they sold the debt in October 2009 to Cabot. Now I am obviously looking at the PPI and the best way to make that claim but I also feel they failed to take account of a customer who was in clear financial difficulty, as even their own records show had been made clear to them. Are there regulatory/legal grounds on which I can pursue a claim against them for this? -
Hi All I'm wondering if the Lloyds addresses in the sticky thread above still apply, I'm going to apply to Lloyds for a refund of charges, its a long shot I guess and Im also going to ask for them to refund from 2001, which is unusually long, the reason I am is that in my case Lloyds TSB hit me massively with charges over a prolonged period, at least 11 years, at the worst point, March 2006 they charged me £591.40 in ONE month... More than half my income... This was a regular occurrence and kept me locked in a vicious circle for years, I wrote and asked for these charges in 2006 but was fobbed off, I made an appointment with my branch manager in 2006 who refused to discuss my hardship and told me the charges were legal and fair , I had kind of accepted the money was lost but I've recently calculated the charges over those eleven years to be between £10/£12'000.00, 01 to 07 was definitely £7'047.50 but since then I've had more difficulty getting the exact figure as some of the paperwork is missing, but they will be able to calculate that. I figure with statutory interest added my claim could be approaching £20K, something I hope the courts or the Ombudsman might get their teeth into...? For now I'd just like the best address to mail my letter to, but I welcome any advice or suggestions you may have. Regards Dr B -
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This is my first post. I've had mental health problems for 40 years since I was 11. They have sabotaged my life. In May my GP finally accepted that I have a rare sleep disorder and prescribed additional medication. I've been back at work since June although I am still learning to cope with my condition and I've additional help to come this year in the form of psycotherapy. Lovely In 2007 I put a company I ran into voluntary liquidation. I had signed some personal guarantees with two companies. They went to court and have Restrictions on the jointly owned home. I ran up some credit card debts at the same time (in my now ex partners name). I am reasonably sure I can remove them this year with full and final settlements. The debts were Company 1 - £43K (interest now added) Company 2 - £36K (interest now added) I wasn't able to attend court to defend the charging orders. Far to ill. Only really understood how ill I have been in the last month. The family home is now going through contracts to sell. My solicitior asked for redemption statements from the two companies. I understand that his proactive approach may well have not been in my best interests. I have asked him to inform me how that can be mitigated. I want to understand what options I have to deal with these two debts please. My equity in the home is £25K so I will not be able to pay off either creditor in full and I have a seven year old daughter to think of. And before anyone berates me for running up credit card debts in my (ex) partners name I am ashamed of that and I am sorting that out from my own pocket. I've not been in the best place to make good decisions due to depression and sleep deprivation. Thank you in advance for any help / advice. Nuttymut -
Hello everyone, I'm looking for a bit of advice on how to handle this situation with them as it's coming closer to SB, I'm not one to try and get out of paying a legitimate debt but this one was due to foul play by a 3rd party mobile phone company. Back in 2008 I was contacted by this company freefone select offering me what was a fairly good deal on the three network I took it up but very quickly realised there was still a lot of poor signal issues in the area after a bit of patience and nothing helping I decided to terminate my contract within their cooling off period as it wasn't fit for purpose and this is where the problems started..... 1) They told me they could get me out of my current contract with O2 which turned out to be 5 line letter typed in word and was in no way legally valid. 2) They then refused to give me an address to return the handset and was told if I return it to their listed office it wouldn't be returned to me. 3) I contacted three over the situation and was told the contract was with the 3rd party and not them, so why did they chase me for money not the 3rd party? Unfortunately before I could take legal action against the company they vanished! After the debt was sold on from three to lowell I received a letter stating I was now being charged for early termination which took the amount owed from £135 to £535! Lowell £ 525 23/12/2014 Default Account start date 10/10/2008 Opening balance £ 135 Repayment frequency Monthly Date of default 27/04/2009 Default balance £ 135 Unfortunately I can't remember what letters I've been sent over the years and stupidly don't have them anymore, could anyone advise on the best way of going forward? Would rather not end up with a CCJ on top of a damaged credit record for the last 6 years. Many thanks for any advice. -
Hi guys, This may sound like a silly question, but, I have come into a small amount of money, and wish to pay off some of my smaller outstanding debt balances, £120 here, £210 there etc. Having several creditors, and therefore several DCA representing them, I would prefer to make payment direct to the original creditor as opposed to the DCA. Does anyone have any idea of the best way of doing this? I don't want to phone them, and then make payment over the phone. I'd prefer to do this in writing. So could I just write to the original creditor and say, I want to settle the debt, provide me with a giro slip? :/ Or should I go about this differently? I want to make sure the debt is firmly settled, and that my credit file is marked as satisfied etc. Appreciate your thoughts!
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I am looking at changing internet security software and wonder whether anyone has any recommendations. A lot of people say that they use fee anti-virus software such as Avast or AVG, but in the past I have used paid for software believing it offers best protection. But given that the subscription renewal is more expensive than I can buy the product from elsewhere, I won't be doing it that way. It is F-secure which costs £25 to renew or I can buy it from Amazon as a download for £11.99. Norton is one of the best for protection, but it does slow down your system and internet connections. That is what I am finding with a free trial version. -
my bf is giving up his job next year to care for our Daughter full time ( he lives 300 miles away) I am a full time student. He has three credit cards which he owes nearly 20k - currently paying them at rate of £1,800 a month. I owe my own house and car and he will be reliant on me which I am cool with. What would he tell the credit card companies and what would happen as his income will be nil and he has a joint interest in house with Wife - divorce going ahead next year. Will he send need to send a letter to them three months in advance of him leaving job.
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Hi Everyone, I am on Income Support and receiving Child Benefit and Child Tax Credit for my 19 years old son, he will be 20 years old in January, I was told by both CB and CT that my son can receive those as he is under 20 years old and is a full time student, he has just enrol for his new course and I am wondering what hours does the Housing Benefit class as full time studying! I have the papers for proof for his studying from his College, they have put on the start date and end date for the course! which is Sept 2013 until 26/6/2014 start from 9-00am to 5-00pm! I have already rang my local authority and will take the hard copy to them as they suggested because the would not accept a photo copy that is no problem, but I am now very worried after seeing a thread on here very recently about someone studying for their course and could not take exam all day as they were classed as not available for work, I do not want my son being hassle by either the DWP or Ingeus he is studying hard at the moment and wants to go straight to work once he finishes his study, I am also helping him to look for Apprenticeship job whilst he is studying! Can someone please tell me how many hours does the Housing Benefit class as full time studying??? Thanks in advance! helen
