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Hi, I'm just wanting a little advice please. I could have the opportunity of a part time job of 10 hrs per week which is over 5 nights which is 2 hrs and the wage would be £72 per week but paid monthly. Now my partner claims ESA for both of us as he is unable to work.. we receive £115 a week ESA and Carers Allowance of £62 per week which I receive to care for my partner. my partner also receives £450 month DLA. we receive housing benefit of £89 per week but that is paid direct to council. Now would I be better with the part time job or would we lose some of the money. would we have to pay rent/council tax etc. all I was told is that we would lose £30 ESA per week but not sure if we'd have to pay rent and more council tax. Thank you in advance.
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My partner has had a letter regarding WTC. They are pushing her to open a bank account. She has been using a post office account for child benefit and wtc for many years now. Has anyone here had the same? is there a reason for it! usually is regarding dwp/hmrc. EDIT: Forgot to say we already have bank accounts but my partner has always liked using the post office one for budgeting etc. Tia -
Hello, I am posting here to see if I can get some advice regarding employment and support allowance. My history is that I currently recieve ESA in the support group and have been on this benefit for four years now with 3 reassessments including my first in 2012. Twice I was placed in the support group after a WCA but after my second assessment I was initially told over the phone I would not get any benefit. I asked the DWP on that call to reconsider and about an hour later they called back telling me I was again in the support group. I am now waiting to find out about my next assessment for ESA and I have some questions. Firstly does anyone know how likely it is that after 4 years in the support group it will be that they can remove the benefit from me? My condition can in some cases improve but in my case it has not and I still attend the hospital regularly 2 or 3 times a year and I am awaiting a further referral. Surely it would be very difficult for the dwp to remove me from a benefit they previously agreed I was entitled to? Also if I am called to a face to face assessment I will not be able to take anyone with me I don't think which I have done in the past, I will be able to get a lift to and from the centre but nobody is free in the day anymore to come in with me. Will not having a companion at the wca be bad for my claim? My last question is on the new esa50 the say not to send any appointment letters. I feel I should send them copies of my appointment letters as it lets them see that I am still being seen regularly by the hospital and have been for some time. I don't have any reports to send and feel it is important to send something. What should I do?
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Hey guys Apologies if I am in the wrong section, but I am new here! I recently had an accident with another driver where our cars collided. The third party was 100% in the wrong in regards to the accident however she is not claiming liability considering that it was her fault. I'm not here to get advice on the accident details, I am here to ask a question about court statements. When in contact with the solicitors dealing with my case for me, i've obviously given them my statement of what happened and I know i've been completely honest with this because not only is this my first ever court appearance, it's my first time dealing with something like this so I wanted to ensure 100% truthfulness. I've been sent her statement in regards to what happened that night, reading through it she has completely lied about what was said in the conversation between us after the accident. Before I go into what was said, I just want to say that this third party (defendant) is of Polish decent and spoke broken English... When I got out of the car, I said to her that she was in the wrong lane and cut into me causing the accident, to which she replied "I was in the right lane, you were in the wrong lane" to which I replied "Ok thats fine, if you want to argue this i'll call a police officer myself and get them to see who was in the wrong lane" and that was that... In her statement, she has wrote - 'he got out of his car, I told him he was in the wrong and he said "I am a police officer I know what lane I should've been in' My question to you guys is what exactly happens at this point there has clearly been a mis-communication due to a language barrier? I am slightly concerned as the last thing I want to get branded with is impersonation of a police officer when it did not happen at all. I hope this is enough information in regards to the question I would like answered Many thanks Sam -
Hello all Getting worked up and worried over a letter I received from the DWP. It starts with: We need to check your personal information. Dear XXX In order to make sure that you receive the correct amount of benefit, we need to check that the details of your claim are correct and up to date. We have arranged a meeting with you xx March. Why you should attent: Keeping your details up to date ensure that you are getting the correct amount of benefit. 8 out of 10 people come to this meeting. If you can keep this appointment or would like to report a change please call. Then on the back it says: Any ONE of the following forms of id: Passport Driving license Utility Bill Any of the following documents IF you have them: Bank statement ISA Wage Slip Bonds Property or land I own Please note that not attending this meeting your benefit payment could be stopped as we wil not know whether we have the correct details on file to support your claim. ----------- I haven't been asked this before and I've been receiving ESA now for nearly 2 years I think, but I've read some stories about being in a booth with 2 officers who are hostile and really checking people for fraud etc. I suffer with Agoraphobia and I have severe mental health issues BPD and depression. This is really making me panic now.. If this is just a normal routine check and template then great, if anyone could help I would appreciate it. Regards -
Just as a query Scenario; DCA collect on a debt, alleged debtor, stops paying and fills DCA's mailbox with CCA's Sar's, nothing provided, DCA keeps reqesting payment even though they have not provided paperwork, in the end the allged debtor says file for court or bugger off. 4 Years later since the last correspondence and out of the blue a court summons lands on the doormat of the alleged debtor from the DCA. Defence is filed, no admission within the counter defence is given, debt is denied. The DCA acknowledge receipt of the defence via the online court system and the next move is theres. ..regular checks are made on the court website, no letters from the courts are received and as such the case does not head to court, it's not stayed, no application from the defendant is made to stay/strike it out or whatever the terminology is but thats where it stayed. 7 years from the last payment made and 3 years from the intial court summons/counter defence being filed and and still nothing heard. is it right to assume that it's now stat barred anyway and that no clocks are reset when filing a counter defence in a court actin where no admission or acceptance of the debt is given is said defence? I know the answer but it would be nice if it could be confirmed? The alleged debtor was considering going back to the court to have the original application struck out , but I see no sense in that. Deb -
Hi, I am going to try luck in claiming back PPI I had years and years ago. Because it is so long ago, I dont have any paperwork/account numbers. I can remember who I had loans/credit cards with but my question is, where do I write to, is it their registered/head office or to a branch? Many Thanks
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My wife purchased a Logik TV from PCW 31/08/2016 for £79-99. Yesterday 13/01/2017 there was a "pop" and the TV no longer switched on - browsing the internet I find it is a common fault with Logik TV for the power supply or motherboard to fail in this way. Visitng PCW in Coventry I was told I HAD to allow them to repair the TV and COULD NOT ask for a refund on the grounds the TV was "not fit for purpose". Their policy is that they MUST attempt a repair . Is this true that under the SOGA I HAVE to allow them to try a repair before I am allowed a refund. I remember once reading that after you had allowed a repair you were no longer allowed to ask for a refund. Can anybody enlighten me as to what action I am allowed and whether I HAVE to allow PCW to repair a TV I have now lost all confidence in.
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Hi everyone (apologies in advance for length), I finished a fixed term contract on Tuesday, and the next day put in a claim for Universal Credit. This is my first time on UC and I have my initial meeting this Monday. I last claimed in April when it was still a case of JSA/separate housing benefit, so having it in one lump sum monthly will definitely be more convenient. However, I do have a couple of minor concerns about what may or may not have changed since UC came into effect. 1) When I was on JSA, one or two members of staff tried to put pressure on me to give access to my Universal Jobmatch account. I wasn't happy to do this for the same reasons as lots of other people - I'm an adult who can and should be trusted to do my own jobsearch and don't appreciate being monitored like a naughty child, so it's mainly out of principle. Also, although I have an account and don't have anything against the site per se, it is not the only method of jobsearching and so wouldn't reflect the full amount of jobhunting I had actually done. Therefore, I prefer to write it all down on paper and was able to quote the necessary lines from the Toolkit to back up my right not to allow access. 2) Again, while on JSA, a different advisor threatened to "take action against me" if I did not lay my jobsearch out in the exact format ("What I will do", "what I did") in the A4 booklet. I preferred to do it like a diary, as this gave me more room to write down every employer I had applied to, whereas he wanted me to cram a week's worth into half a page (it did say to be as specific as possible!). Basically I'd have been writing the same thing twice every week but in different tenses, which is plain stupid. Anyway, I spoke to the Jobcentre manager (again quoting the bit from their Toolkit where it says they can't specify to jobseekers what form their evidence takes) and the manager confirmed that as long I was keeping a record, that was fine and that they do allow flexibility. Now, to my concerns regarding Universal Credit. I notice in my confirmation email about Monday's meeting, it says: "Please make sure you've registered with Universal Jobmatch on GOV.UK and bring your login details with you to the meeting." I'm fuming at this! Even the most militant advisor/coach under JSA never asked me for these! What I want to know is, can I still use those nuggets from Chapter 3 of the Toolkit to defend my right to privacy? I notice they all say "We cannot mandate/specify to a JSA claimant..." I don't want to be caught out by semantics. I know it would be illegal under Data Protection law to do this, but I also know that wouldn't bother some DWP staff. I can't find any evidence this has changed, but can anyone confirm that those quoted sections from the Toolkit are still valid under Universal Credit? I have written them down to take with me on Monday in case anyone gives me a hard time, but need to make sure it's still correct. Thanks in advance. -
I noticed your problem with Lowell we have a similar problem which can out of the blue approx 3 weeks ago. We received a letter from Lowell out of the blue saying we owed an amount regarding a outstanding balance on some car insurance we cancelled over 4 years ago. We have never had a letter asking for payment from the insurance company concerned. After finally tracking it down the Insurance said the amount is outstanding but not to them but to creation finance but to get a letter after 4 1/2 years seems strange to them. My husband rang Lowell asking for more information and the guy was not very helpful just said are you paying the amount today. My husband replied no not till I find out what it is in connection with as I dont know if the amount is outstanding. Can Lowell take this claim any further or are we ok to ignore them. we have never received a letter from Creation asking for the amount. The letter also came to our new address not the old one where the policy was connected with. Any advise is welcome
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Evening everybody, hoping for some advice regarding a claim form i've received from Lowell solicitors regarding a Vodafone mobile phone debt. Around 2008/2009 i took out a mobile contract with Vodafone, fairly sure it was for a year. After the year was had passed, i continued using the phone and paying the monthly line rental, without upgrading my contract or taking out a new phone. After some time (mid 2010?) I informed Vodafone via telephone that i did not want to continue doing this and intended to put a pay as you go sim into the same phone. As far as I can remember nothing more was said. I continued to keep getting monthly line rental charges for a number of months when I called vodafone again was informed that I could only end a contract via written letter. Monthly charges stopped but debt collection letters started arriving for the £152 outstanding. Foolishly I didn't do anything about this at the time, thinking it wouldn't come to anything as they were trying to charge me for something that had been cancelled and clearly wasn't being used. Dated 20 sep 2016 i've now received a claim form from Northampton court for £240. I've already sent off the acknowledgement of service. What should be my next step? I desperately don't want a CCJ, but don't really think this £240 charge is at all fair. I've got a Lowell statement of account from 2012 that shows vodafone transactions on the reverse between 21 July 2010 and 14 Oct 2010. £35 charges every month despite the only usage showing is £0.01 middle of August? Hope you can help, thanks in advance. Daniel
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A very popular enquiry that appears on the forum concerns bailiff enforcement for arrears of council tax in relation to a previous property and where notification of the arrears is only known when a bailiff visits the individuals new address. In the first instance, the vast majority of people pay their yearly council tax by direct debit. When a person moves from an address, there are usual steps that will be undertaken by the homeowner. Taking a reading of the gas or electricity meters is one such obvious step. Another obvious step should be to inform the local authority of the moving out date. The council will then adjust the yearly council tax bill. The council will request a new address so that a final bill can be sent. The individual should not cancel their previous direct debit without first contacting the council. If they do so, and there are council tax arrears, the council may issue a summons and the regulations (in this case, Regulation 35.2© of the Council Tax (Administration and Enforcement) Regulations 1992) are very clear, in that the summons is deemed served if sent by post to the individuals usual or last known place of abode. If a Liability Order is granted for the arrears, it can be passed to a firm of bailiffs to enforce. Before a personal visit is made, the enforcement company must send a Notice of Enforcement. Once again, the regulations (in this case, Regulations 8 of the Taking Control of Goods Regulations 2013) are very clear in that the Notice of Enforcement is deemed served if it is posted to the address where the individual usually lives. If the individual moves from his previous address and fails to contact the council to settle his council tax bill and provide a new address, then naturally the Notice of Enforcement will be sent to 'the last known place of abode' (i.e. the previous address). If a subsequent complaint is made to the Local Government Ombudsman, it will usually be the case that they will not will find fault with the local authority. The following are two recent decisions from the Ombudsman on this very subject: -
I was caught doing 51 in a 40 zone by a mobile speed camera in Feb 2016. I paid the fine of £100 and I have the receipt of payment and confirmation on my emails and the money was taken from my account as expected. Now, 7 months later, I received 2 letters through the post this morning regarding the same incident in February. One from the courts saying the have endorsed my license with 6 points and one from the DVLA with a fine for £569 which includes a fine of £440 + Victim Surge charge of £44 and "costs" of £85. It also states there has been a court hearing in my absence on 21st September 2016. It really doesnt say much else I've done some investigating and found that on 29th August 2016 the fine I paid over 3 months prior was returned to my bank account. what I can gather from the vague letters is that, more than 3 months after I paid my fine and was given a receipt, the money was returned to my bank without my knowledge now they're treating me as if I haven't paid my fine and increased my points and my fine more than 5x the original amount. I can't ring any legal advice as they're all closed over the weekend and so is the DVLA and I'm stressed out! Do you think they'll reverse the points and fine once explained? Has anybody has any dealings like this with this before? Thanks -
I recently applied for credit with a loan provider. I was accepted for the requested amount and was provided a loan agreement to electronically sign, complete with terms and all the necessary information. I signed it and it was signed on behalf of the provider, which was emailed to me as a PDF. Now, the provider is requesting bank statements and ID verification, and have cancelled the original loan from my account. Is the loan provider legally obliged to continue with the agreement they originally signed or are they even capable of backing out? Thanks in advance, Michael.
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Dear Sir/Madam I hope that I have put this in the right place and apologize if I have not. I am new here so thank you in advance. Some time ago I saw an advert for the Claims Guys which said that they would find out if I had PPI and if I did they could claim it or I could do it myself. I thought that this was fair enough, that they could find out if I had PPI and I could do it. They sent me heaps of paperwork. I filled in three questionnaire about my bank details etc. Black horse contacted me direct on the phone and questioned me about my mis sold PPi which they refunded. Then the Claims Guys rang me regarding the loans at Barclays. They were on the phone for ages and I kept saying that could I not do it myself? The man from TCG got rather disgruntled and said that we had spent 40 minutes of his time and pressured me into agreeing. He then told me I had 28 days to cancel. He told me to sign and return the paperwork which I did not do. Barclays paid up very quickly and immediately the Claims Guys were telephoning me asking me to pay by Credit Card asap over the phone. Their tone was increasingly aggressive. I told them about the 28 day cancellation period and they said it was 14 days. I asked them to send me the transcript and they sent me an earlier conversation in March which did not mention the 28 days, it was the wrong conversation. The conversation I had lasted well over 40 minutes. I have picked over the terms and conditions of the Claims Guys and it looks to me that any valid agreement should be confirmed in writing. There is no verbal agreement. Since then I have about 8 calls and texts a day at all hours and I do find this threatening. Can anyone give me some advice as to how I should proceed? Thanks you. -
Thank you for the reply Slick and help much appreciated I'm needing a bit of help with regards to Xcercise4less/Harlands. My Husband opened a contract for himself ,me and our 17 year old son. 1.May 2015 2.yearly contract for us both.. and rolling contract for our son and he's still at school. 3. I cancelled mine 27July 16. giving them 30 days notice online form as was advised with their manager. a payment came out 9.99 on 21 Aug 16. therefore my contract should be finished. On the form your advised not to cancel the DD which we haven't done at the moment it remains active. I cancelled ours sons one and they said they couldn't find the cancellation form for that. They took a payment for his on the 2nd Aug. £14.99 After emailing the manager he said we would need to cancel again, so did this on 11th Aug . I received confirmation this time and have kept both confirmations. A payment came out on the 2nd Sept therefore I consider this cancelled. again DD remains active. now the bombshell that hit us yesterday was that they have defaulted the 2 accounts and we will be receiving a letter from Harlands this week with admin charges.. I'm dumbfounded to the reason they can do this? especially no missed payments and active DD still running! I've fully done everything required by X4L! I went into the gym today with My husband and demanded to speak to someone in charge and the Person although not management was really helpful but couldn't explain the default scenario he just says it happens! I explained this has caused a lot of stress and anxiety and frustration. I gave him copies of all the emails ect.. he said he would deal with it all tomorrow through customer support. my question - what do I do from here? just sit and wait ? how can they possibly add an admin charge? he told us when Harlands letter comes in rip it up .. any help much appreciated Guys kind regards otb
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Hi Guys hoping you can help me in some way. Ive returned home today from a week away and had 2 letters from dcbl one is a notice of debt assignment saying I have an overdue amount for £180.00 due to new generation parking management and has now been assigned to dcbl certificated bailiffs & high court enforcement to recover. the second is a notice of enforcement saying I now owe £340.00 and if I dont pay or agree a payment arrangement by the 7th November 2015 they will visit and charge me an additional £265.00. I had completely forgotten about this ticket, at the time I had it I was advised by family and friends to just ignore it. What do I do now, any advice? ticket was dated 29/03/2014 according to enforcement details -
Hello, I have received a letter from BW Legal regarding a PCN notice from May 2015 for "parking with out a valid ticket' The letter states that i have 14 days to either pay the bill in full which is now £154 including there costs and fees OR detail grounds for a dispute. If payment or dispute aren't received by 20/05/2016 they are claiming the possibility of county court proceedings which could lead to and estimated total £236.52 in fees and costs The letter also mentions the ParkingEye LTD V Beavis case and that if my claim has been to the IAS and appeal rejected the court will more than likely find the same. I have never replied to any letter received regarding the PCN or had any contact with the company issuing the PCN or the threading letters. I am wondering if i am getting the point where i need to act? But I'm a little confused with all the info on the forum and the different scenarios people are in? can anybody help or point me in the right direction, Thanks Chris -
Hello there I'm a 20 year old student who was lucky enough to be caught out by a revenues inspector before we'd even left the first stop (penzance).. i got the whole 'you dont have to say anything' etc followed by a set of questions. I chose to comply, i have a railcard, im not a train hopper, i wasn't hiding in the toilet, i was short for time as i was relying on a lift to the station and so i ran onto the train at the last minute. after the set of questions and after i spent time arguing my point, he told me i would receive a letter which would be a caution along with the cost of the ticket, no more, no less. I double checked this with him and he told me the fine would be no more than the ticket; £12. (12 quid max without railcard) i thought that was fair enough. ive just received the letter and its charging me 90 odd pounds after the cost of the ticket which he refused to sell to me on the spot. i will be ringing up tomorrow to contest this as i think its extremely unfair to treat a user of the trains this way, especially after a first offence. i buy tickets every time and i own a railcard and to be treated this way is a little upsetting, especially as i was told it wouldn't cost more than the ticket. I didn't even know i was committing an offence, i thought well if you havent left the station you havent stolen anything, right? its like arresting a person in a shop for stealing an item before theyve even tried to leave the shop! Another thing to point out is i ALWAYS get on the train from a station which doesn't have facilities to buy a ticket, which is fine with the workers, so of course i am a little out of habit Id appreciate any advice or buzzwords i can mention to them on the phone that will help my case, i'd also like to hear your opinions. am i in the wrong here? i think a railcard is proof alone that i pay for the service. Thanks -
So as the title say can they refuse permission? Do I need their permission? It's regarding a loan I took out in 2011. At the time I had already been using payday loans since Oct 2011 several times a month with several different companies, rollovers, same day borrowing, several on the go from different companies and at the time I took out the loan I already had loans outstanding with 6 other payday loan companies and it far outstripped my income leading to a default on the all in April 2011. I contact CFO 2 weeks before repayment and they refused a repayment plan telling me that they didn't "do" repayment plans and I had to pay the full balance or default and refused to provide me with paying in details. I got details from here and started paying back small amounts but like others on here they hounded me with emails, texts and phone calls to the point I was scared to check my emails or turn on my phone. They sent Daniel Silverman after me and offered their Resolve Loan which I obviously didn't take although I do believe if I had that would have compounded the problem. The loan which started at £250 has ballooned despite payments of £93 initially, my payments then started being rejected by CFO and returned to my bank. I certainly think its irresponsible lending on their part and put in my complaint. I've had their final response back saying that as a goodwill gesture they will reduce my balance to just over £400 and that my complaint is out of time for the FOS and they don't give me permission to take my complaint to the FOS. I've obviously rejected their offer, I believe at the least the should reduce it to the original loan of £250 minus what i've paid plus compensation for the unsympathetic and frankly appalling way they treated me when I told them I was in financial difficulties also they should remove the default. In an ideal world i'd say wipe the balance but I don't see them or FOS agreeing to that so I need to be fair. I've kept a good paper trail of all emails from them except the Resolve texts and emails as I've got a new phone since then and must have deleted the resolve email Is this the end of the line for my complaint or can I go to FOS? -
For a very long time I have raised concerns on here about inaccurate information regarding the enforcement of Magistrate Court fines. The reason for my concern is because, unlike any other debts, (penalty charge notices, liability orders etc) the enforcement officer has the right under the warrant to 'force entry'. Yesterday, the Parliamentray Under-Secretary of State for Justice; Shaliest Vara, clarified the position regarding enforcement agents fees....the 'pro rata' distribution of payments.... and most importantly, how courts deal with direct payments (after a warrant has been past to the enforcement agency. A copy of his statement features in my second post. By way of background, the following is a copy of a post that I made earlier this month: In the past couple of weeks I have received reports of six cases where a locksmith had been used to enforce a debt for magistrate court fines after a debtor had relied upon misinformation on the internet and believed that paying the amount only of the court fine (minus bailiff fees) to the court (as opposed to the enforcement company) would mean that the warrant had been satisfied. In four cases, payment had been made to the court on receipt of the Notice of Enforcement (when bailiff fees of just £75 had been added). In the remaining two cases, payment had been made following an enforcement agent agent visit (fee of £235 had been applied) In each case, the person had relied upon the following statements featured on social media sites (with close links to the Freeman on the Land movement). The warrant for court fines only enables the enforcement of the "Sum Adjudged". Section 76 of the Magistrates courts Act 1980. Pay the fine online. That extinguishes the power to control of goods. The warrant only gives a power to take control of goods for the "sum adjudged". In each debtors case, after making payment to the Magistrates Court they had received notification from the court that their payment had been forwarded to the enforcement company so that the company could properly deduct their Compliance fee of £75 and apportion the balance on a pro rata basis in line with legislation. By following the inaccurate advice, each debtor had incurred substantial additional fees. In four cases, an enforcement fee of £235 had been added and in each case locksmith fee had also been applied.
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Hi I am the executor for my late mother's estate and we are in the process of selling her house. We have hit an obstacle in that there is a secured loan which was paid off in the early '90s but it is still listed as outstanding on the title deeds. The loan was with Cedar Holdings Limited, which is now a dormant company and comes under Black Horse Finance Management. I have called them today and been given a number for their secured legal department in Cardiff, but the number is constantly engaged. We are trying to get proof that the loan has actually been repaid, can anyone give me any advice on the best way to take this forward, apart from trying to call them constantly? Any help would be greatly appreciated!! Thank you!! -
Hi everyone, sorry I'm posting a lot. Bailiff from Marstons arrived at doorstep at 8:57pm says I have to pay £797 for unpaid car tax. i ghuess it relates to a car I sold last year. I never received a magistrates summons. he says I have to pay tonight or he has to enter the property and document belongings etc... what can/should I do? thanks so much -
Hi I hoped I'd never need advice like this, but here it goes. I bought a new car in Dec 2013, on PCP. Total amount payable is £20,264.48 and I still have £15260.36 left to pay (according to their latest email) The first car was replaced under warranty for software/electrical issues, the car arrived in March 2014, and I had about a weeks use of my own car in this time. The second car was delivered with faults, which two dealers have failed to fix so far, VWFS refused my rejection over this and it is with the ombudsman for a final decision. However, they wrote to me on 5th Sept 2015 indicating I owe £1061.48. This is three months instalment and one unpaid instalment from a previous agreement, which I was told I had paid previously! I followed up the letter on the 11th Sept 2015, due to the fact I had been in hospital with my 5 week premature son on NICU. I was told that the previous formal complaint I had about the payments not being taken properly for this agreement on arrears , had been closed and no reason given. When I asked why they had not contacted me sooner over missed payments, I was told they don't contact people who have complaints open. I currently have no complaints open. I also asked for a statement of my account, which I was told today when I rang had not been sent. I was made to take a financial review this morning, in which I pre-empted by sending a budget, showing how I could afford the repayments plus an amount to cover the arrears (£95pcm). They refused this, not due to it not being enough, but because they claim I can no longer afford the finance agreement. They've apparently issued a default notice and I now have 19days to pay. I asked for my options to end the agreement and all that was sent was a settlement figure. I have made them aware that I was unaware these payments had not been paid, they had not informed me, and it was due to a combination of my poor health at the time, and my vehicle being in for constant repairs, with the loan vehicles not being suitable (for example, I do 400miles a week, I drive a diesel saloon, and they gave me a petrol automatic mum wagon!) Upon trawling through my agreement contract, I also came across a receipt made out to the dealer for £579, which is listed on the receipt as for "final payment" and the reference of my registration given. VWFS today confirmed that this was NOT taken off the amount owed, and they are "looking into it" The woman at VWFS has also sent another statement, which I won't hold my breath for! I think that this is everything, but as I have not slept in two weeks, and have only just been taken off nightly deliveries of milk to my sons NICU ward, as he has been put on a low dependency ward with his mother, my brain isn't really functioning 100%. Thanks in advance, -iD -
Hello I would like to get some advice please. Me and my partner are both are on IVA and on year 2. 2.5 years ago we decided to rent out a property and our contract expires end of March 2016 , idealy we would like to move out of the flat asap to a house as its small and a lot of condensation the letting agency advised us of 2 months notice period – which was fine (last date 31st April). The letting agency found someone to move in end of March (what we originally wanted) and asked if we can leave early- which we accepted. Now the problem we are having is every property that we express interest seems to go quick or the letting agency are awkward in terms of timings for viewings another challenge we have is the checks that the lettings do me and my partner are on IVA this will flag up and they may require a guarantor, which unfortunately we don’t have bcause a lot of our family’s are on benefits and elderly. We are looking at private landlords and not a lot are coming by because some are too big or too small. Both of us work, I work full time and she works part time (no kids), combined wage of nearly 30k a year and I fear that by end of March we may become homeless. I spoke to SHELTER on Sunday to discuss this and they weren’t as helpful as I thought as they kept stating that I should not have accepted the early leave until I found a place, but what they couldn’t understand is that I will be in same position by April anyway and no landlord would be willing to wait for 2 months, so my search for new property would fall in to April anyway. Because I have got factors which I got no control over, where do I stand. I guess im looking for someone to offer me advise to speak to Council maybe? Please help
