Long but i would appreciate some answers, im so sick of these people and their treatment against me, so i beg you help if you can. I lived in one of their properties after coming out from a woman refuge for 4 years with no problems, however my ex boyfriend found me and kept harassing me. I was living in Brent (lets say) and on my report from the police and national DV workers it CLEARLY stated i cannot be re housed in Brent. However i was re housed in Brent, i took this property as i was TOLD if i refused it i will be kicked off the management transfer list as im only allowed ONE choose. so im in the same borough i was fleeing and told not to be housed in. Whilst at this property i had a woman upstairs who racially abused me, harrassed me and threatened me several times. she never admitted to racially abusing me but she did admit to the neighborhood manager, knocking on my door to start arguments (harrassment) and banging on the floor at me (harassment) she was also recorded as i had noise recorders in my flat banging around on purpose to harrass and upset me, however because i only recorded for 5 days and not the whole 14days they said it isnt a "pattern" even though legally a pattern constitutes of more than two occurrences. I also contacted the police who didnt do anything, nobody wanted to do anything. In fact they didnt even want to move me only because i brought up i wasnt meant to be housed in Brent they moved me again. I actually developed BAD depression from all of the above. I was pregnant and i lost my baby from the stress. I have a claim with the Housing obud but they have a "backlog" of work and a year later still NO answer from them. so again im only allowed ONE choose as it is management transfer and im now in Camberwell london again had issues with the neighbor downstairs, he constantly knocked on my door, followed me to the end of the road, stared through my windows, had some stuff on cctv and he admitted to knocking on my door. This time the police were great however Had to go to top management for my neighborhood manager to even tell him to leave me alone. They kept saying its a "police matter" even though it says in the tenancy to not harrass other tenants Instead my NHM was more interested in harrassing me about getting carpet as the man downstairs kept complainin , as when i moved i left my job and was on benefits i had no money to get carpet, so i again had to go to top management to get £300 worth of vouchers for carpet, which ONLY covered a hallway, the flat is BIG NHM never addressed the fact the guy downstairs was harrassing me, in fact none of them did they seem to justify his stalking behaviour with the fact i didnt have carpet like that some how means he is allowed to stalk me because im making normal living noises. NOWHERE in my tenancy does it state i MUST have carpet, it just says you cannot have laminate flooring. they blackmailed me because they gave me £300 which didnt even cover the flat, they constantly mentioned this £300 and said i will have to give it back if i somehow dont carpet the whole flat with this £300 the flat actually cost £800 to carpet and underlay, thats CHEAP carpet too Now final issue the guy upstairs to me has laminate flooring, this is making it very noise upstairs, i have complained about it and stated i was told i had to carpet my flat (even though i could of had vinyl or lino due to tenancy) and again they bring up the £300 vouchers they also said to me that the man upstairs is just normal living noise and they will have to prove he is intentionally making noise i asked them if thats the case why wasnt i considered normal living noise when the man downstairs was complaining about me instead i was harrassed and blackmailed and they said because i had no flooring which i stated is untrue as i had carpet in my living room within 3 weeks of being here and he was complain about noise from the living room. they said guy upstairs has old tenancy and it doesnt say anything about laminate flooring i said well mine doesnt say anything about carpet but i still laid carpet and was told to lay it. QUESTION: I find their treatment of me very unfair, anytime i have a complaint it is brushed off, anytime anyone complains about me it is legitimate. They discriminate against me, ignore me, harass me and apply the tenancy when it comes to me but when it comes to others the tenancy doesnt include. they refuse to deal with harrassment which is stated in the tenancy they refuse to deal with noise nuisence which is in the tenancy for me but for guy downstairs they dealt with it what can i do? (i know some people may think im a nightmare, im not, im an easy target, im 21yrs old, short female who is usually home alone doing my uni work, im an easy target for bullies which is why i get into so many issues) just to add, when i made a complaint about the guy upstairs and his walking in boots on laminate flooring, he got the letter and came and banged on my door bout 20times in a row. I was asleep and he woke me up, it sounded like a police raid no joke. When i complained the next day to the Housing management they said he only wanted to talk to me i said NO this is untrue he wanted an argument, why wopuld you knock on someones door so much and i KNOW if i was a male he wouldnt of been bang down my door like that. they again brushed it off saying the guy is reasonable and i should talk to him, which tbh i dont want to i find him creepy. this guy has started to run up the stairs and stamp on the floor ever since i complained about him, but HM ignore it and act like im making it up because the guy has been here for 8 yrs with no complaints. but they fail to aknowledge the fact his flat has mostly been vacant within those years and the last main tenant who lived here was a deaf old women. the man upstairs thinks he owns this flat, he used to get his visotrs to press MY bell (because its so loud due to the last deaf tenant and his is broken) the fact that he even brings up he has been here 8yrs is irrelvant

My wife has a Samsung Galaxy Ace mobile on contract and is switching to a sim only phone on the 23rd of October can she transfer all the data, music ect to her new sim card.

Hello all, I have just registered as the advice I was reading has been invaluable, thank one and all, having many problems with wescot at present, they keep threatening court proceedings, holding them off at present, I made an access request to the credit card provider and all they have given me is the application form, advice seems to suggest that a reconstituted agreement will be enough to enforce the debt, is this true, the debts precede the change in the law, so I am covered by the 1974 act, any practical advice for next steps with wescot, it also seems to me that their solicitors are possibly in breach of the solicitors regualtion authority when they communicate with people, their disclaimer seems highly dubious. Any help would be greatly appreciated, as I need to protect my young family. Regards benjamin brittan

Good afternoon everyone, I have come here seeking advice to guide me for the future. I've just, very recently, come to the decision that I want to save for a house. I'm now saving, and hope to have enough money for a deposit in 6-8 years time. However, my past haunts me, and I'm lost as to what the best options would be to go about accomplishing my dream. I have obtained my credit rating from Experian, which at the present time is 712 (poor). I have many defaults against my name. This was due to not being able to meet my financial obligations because of losing my job and illness (resulting in me not being able to secure a new job for a while). I have an overview of my history, but I'm not allowed to insert an image, or post a link yet, which is unfortunate because I believe it would help no end. i.imgur.com/WAltepx.png I want to know if it's best for me to leave these be, or start paying them back???? I, foolishly, contacted 4 of them yesterday, via email, without seeking guidance first .... still yet to hear back from them. I will be extremely greatful for any, and all, help that's offered. Kind regards, Matt.

i was wondering if someone could help me. Im writting on behalf of my sister. She is 35 and a single mother to one. She worked for 10 years cleaning, but lost her job two years ago, due to her depression and taking to many days off. she has always had depression and is on very strong tablets, sleeping tablets ect. She was ESA last year, and tried to claim for DLA, as she can not leave the house, and has extreme panic attacks. if she goes out i have to go with her. She only goes out to my dads in a taxi twice a week. My neice helps alot. Anyway she put in a claim and was only awarded 6points, and wasnt allowed anything. She had a tribunal, but they was going on what happened the year before even though her depression is 10x worse now. She is now on JSA. But even just looking for a job she has panic attacks. She has attacks in crowds and if there alot of people. She is struggling to live. Im really worried about her. She has hardly enough money to make ends meet, let alone by her daughter new clothes when needed ect. So i help her out with that. She applied for jobs but because of her depression she doesnt get them, although both myself and the doctor doesnt believe shes in the right mind for a job atm and it would do her more harm then good. What could she do? could she apply for DLA again? We both know that if she can feed and wash herself she isnt really entitled to it. Help please xx