I don’t know if this will be of interest, hopefully for people in the same circumstances it will be. The history of this is a little personal but I feel it needs to be said. In 2005 I had a breakdown, I had a MBNA credit card with £7000 credit limit when I went on a spending spree and in the interim I applied and got another MBNA card with £6500 limit. During the time of my illness I ran both cards up to the max and I was struggling to make the min payments as I also had several other cards at the time. got these cards by simply applying for balance transfers they were throwing them at me. Needless to say I defaulted on the two MBNA cards. I wrote to them explaining my situation that I was now on medication and to offer a smaller amount of monthly repayments. I made the lesser payments each month and each month they marked it as a late payment default and the balance continued to rise. Eventually I stopped paying, a couple of letters and emails from them stating I was in default. It then went to MBNA debt office, these people were quite aggressive in their emails demanding payment in full and threatening debt collectors. I then wrote to them asking for the charges they kept adding to the account for late payments, I wasn’t late I just didn’t pay the minimum, I also blamed them for putting me in this position, they kept increasing the credit limit so I kept spending and in my condition I had no idea what I was doing. Now on medication, I wrote a strong letter complaining they were the reason I was in debt and they should give me the discount on the advance charges as well as the extra interest cost, I had no reply. Two months later I received a letter from MBNA saying they had written off my debt of over 13k and closed the account. On checking my credit report it shows as closed balance 0 this came as a shock as I had a Tesco card with a large debt on who wouldn’t talk to me regarding my illness and instantly passed it to Frederickson’s. I hope this might help others who suffer mental illness and not to let the credit card co bully them.

hello, not long ago I thought I'd get myself a second job and thought doing pizza delivery wasn't such a bad idea seen as I'd be getting free pizza's every night (sad i know) So I went and got my CBT, purchased a bike got it taxed and bought courier insurance to go along with it and away I went. A few weeks back I was involved in a head on collision with a van, it decided to cut in front of me from the opposite lane to turn into a side street with no indication as I was doing about 30mph thus I ended up smashing into his bonnet at full speed and straight onto the ground knocking me out for a bit. I woke up in hospital hours later. Later that day the police arrived and oddly enough kept asking me about insurance. I said I had insurance but they told me that I didn't. I told them that is impossible as the payment was made in full etc and I never canceled my insurance. They came back to me shortly after speaking to the insurance firm and they told me that the insurance company canceled my insurance because I apparently failed to provide them my CBT. I contested and showed that I have a CBT etc, but the police where not interested and slapped me with the offense of driving without insurance, then they nicked the keys and took the bike away to a pound. After I got out of hospital I got on the phone to the insurance company, and they told me it states in their T&C that they have the right to cancel my insurance randomly at any point in the event that I fail to provide a copy of my CBT. They never sent me any letters, nor did they telephone or text me and I certainly have no emails from them asking me for a copy of my CBT. Do I have any hope in fighting the insurance company in court for the outright idiocy for not even having the courtesy to call the customer to tell them the insurance has been canceled and to stop riding the bike? They never even sent me a cancellation email, NOTHING! Any letters they may have sent would have been clogged up in the Christmas break, which is when they apparently canceled the insurance. (btw, still have not received any letters.) I am sure I now have a criminal record because of this, thus, ruining any future jobs in which a criminal background check is asked, which is almost everything these days. I was about to apply for a bus driving job and it specifically said, regardless of the offense, if you have a criminal record, you application will be automatically rejected. I am mortified right now. Any advice is appreciated at this point, thanks! MCE Insurance - https://www.mceinsurance.com/

Same price - exactly same size box but minus 2 sachets. Cappucino - box on left from last week - box on right from today You can hear the 8 sachets rattling around in the box - so I guess that will be reduced in size in a couple of weeks! Coffee.pdf

Elon Musk moving on with energy technology http://uk.businessinsider.com/why-im-buying-a-tesla-solar-roof-2017-2 http://uk.businessinsider.com/tesla-solar-roof-photos-features-2016-10 http://uk.businessinsider.com/elon-musk-says-tesla-to-offer-solar-roof-on-cars-2016-11

i started in a company at the beginning of December 2015. They have 33 days annual holiday (after a qualifying period). Their year runs from 1 June each year. So, when I asked about holiday pay at Christmas 2015, I was told I wasn't there long enough to qualify for holiday pay (I had been there three weeks). I knew this was "strange" but didn't want to rock the boat in a new job. On the first day back in the new year, everyone got their floating holiday entitlement, I queried my entitlement, and was told to ask again in June. Again I asked at Easter, and was told I had accrued 4.1 days, so MIGHT get 5 days pay, but it would mean I wouldn't get May day. At Mat day, I DID get paid. In June I queried my floating holiday entitlement without an answer. I asked for time off in July on top of our "shutdown" period, I got 3 days off, got paid for the formal shutdown but not the extra 3 days, as I hadn't accrued enough days. Thus in the space of my first year, I will have received payment for 16 days holidays. When I queried why I wasn't getting 28 days holidays, they said it wasn't the system they worked. and if I got 28 days holiday, I would be in the same position at Christmas, where I wouldn't have any holidays accrued for my Christmas holiday. Am I right in that from 6th December to 6th December I should have received 28 days paid holidays? Or are they accurate in saying they can carry the holidays i'm owed into Christmas I just want to be 100% certain before putting a complaint in writing.

Hello. I am new to this forum. I wish I had joined ages ago. Please bear with me because the full explanation of my situation is quite lengthy. The mortgage start date was 24/01/2008. No payment was missed until 07/2011. I had gone to university in 2009 as a mature student to pursue an undergraduate degree. I was working around my studies when that contract ended, it was difficult to find other employment due to the recession. I was only able to get two short-term contracts during the whole three year period. A repossession order was issued in June 2012. The order was suspended in September 2013 following an eviciton notice, my filing the N244, and a hearing. I was in employment and could afford to pay enough to cover payments and arrears by the end of the mortgage term. I kept to the arrangement for a full year but problems resurfaced when I went back to school for further study in September 2014. It should be noted that I secured part-time employment before resigning from my job to resume further study, aware that my monthly mortgage payment would soon reduce by over £500 due to my having paid off one ‘Element’ of the mortgage in full which meant I would be able to get by for the 1 year duration of the course. I however had to cancel the Direct Debit because my mortgage lender failed to amend the payment amount despite my communication with them, and attempted to take payment of the same amount as previously on two occasions. All this was explained in detail on an Application to Suspend the Warrant of Possession which I filed on 06/08/2015, but a hearing never took place because I came to an agreement with my mortgage lender. Under the new agreement, I was supposed to start making payments on September 2015. At the time, my course had ended and my part-time employment had become full-time. I changed my bank, had a few problems and missed that payment. I explained this to my mortgage lender in October. However, the real problem arose because I left the job shortly after due to some internal changes after a company takeover. I was not fired and therefore did not know how to communicate this to my mortgage lender, especially since I had no other means of making payment. I was also sure I would secure another job quite quickly it turns out I did not start a new job until the beginning of January 2016. Meanwhile, I had received an eviction notice sometime in Decebmer 2015. I filed an Application to Suspend the Warrant of Possession on the morning of the eviction and had an emergency hearing (9th February 2016). The judge was extremely dismissive. It was as if he had decided I was simply irresponsible. He was not even interested in my new job or ability to make the payments going forward. He dismissed my case on the basis that I had a bad payment record and he was not convinced I would keep to a new agreement. He also mentioned something about credit card debts which I had included in the "creditors" section of the Income & Expenditure form. He said my numerous credit card debts contradicted my statement that I live a simple lifestyle and he therefore did not accept that I could live on the amount stated on the form. The credit card debts are not new and have nothing to do with my lifestyle. They were incurred during my undergraduate degree. I told the judge this but he did not care. Credit card statements will demonstrate that that level of debt did not exist prior to 2009, but started and gradually grew during the period of study (mainly accommodation costs). These credit card debts have been included in the "creditors" section of every Income & Expenditure form I have submitted from the very beginning. They were there in September 2013 and during the full year that I was paying £1350 per month. My mortgage lender obviously did not have a problem with them when coming to that agreement and did not have a problem with them in August 2015 when agreeing that I should pay £1493.97 starting from September 2015. They do not seem to care that this was partly their fault. Had they adjusted the payment amount when they should have, I would have continued to make payments under the first arrangement up until October 2015. Now they are adamant that the only way I can get the property back is if I pay the mortgage balance in full, not just the arrears. Amount outstanding on mortgage - £50,469.71 Arrears - £24,541.81 Property value at last valuation - £105,000 (1 bed flat) Remaining mortgage term - 2.5 years Is there anything at all I can do? It has now been 6 days since I was evicted. Thanks in advance.

Hi I have read and re-read thread after thread and am now looking to see if I understand! I have received a claim form out of CCBC, relating to a credit card debt, to which I've responded with the AoS. I am considering a Statute Barred defence. The last payment I made was in November 2009 and I have not acknowledged anything since. I have the credit card statements from November 2009 to March 2010. The outstanding balance on the March 2010 statement is the exact amount being claimed. The only entries between November 2009 and March 2010, apart from my last payment in Nov 2009, are for interest and late payment fees. It would seem from the evidence that I have that a SB defence should hopefully succeed. Could someone please advise if this makes sense and if so the wording I should use? Also, should I include the credit card statements as appendices? Thanks for your help.

Hi there, I am new to this and would kindly welcome some advice if anyone could help? I'll keep it brief and to the point. Work for global corporation, my head office based in UK. Employed by this company for nine years, no complaints at all. Had various directors, regional managers and line managers over these 9 years. Company was restructured late December 2014, I inherited a different regional manager and line manager in January (both who work in a different division and have no knowledge of the job I do, regional manger been there for at least 7 years, line manager only promoted to line manager in January 2015, previously same job spec as mine only different division). Was given a complete new territory in January unannounced (had been consultant for a different territory for over three years and built up good trust and sales with these customers). Regardless, went out and done my job, hit my sales target in January despite the whole territory being new. Two weeks into February had a conversation with my new line manager who was enquiring why the mood was so low in our team ( a team of ten consultants) and I had offered a suggestion that "maybe the constant negativity wasn't helping" . I said this as we had all received a barrage of negative emails and phonecalls from said line manager, and everyone was moaning about it, seen as we were a new team that had been put together in January, me being the longest serving employee out of the whole team said what I said. The day after, at 7.30pm I received a friendly txt from line manager asking if I could meet him the following day to have a chat about figures, I agreed as didn't think anything of it, went to the meeting location the next day, was invited into a room by line manager, next thing regional manager walks in (unannounced) asks me "do you know what youre here for" when I replied "it was my understanding I was here to have a chat about figures with line manager, he said "no, youre going to pick your way to leave this company". He said "you can either resign, or I will make your life hell and make you leave". You have until Tuesday the following week to decide. I told him after a barrage of abuse from him, I wasn't resigning. The next morning the abuse continued, wont go into detail just now but will if anyone wants to know the details, just want to get the main points out just now. The next day I met with HR as I was disgusted at what had happened and told HR everything that had been said and proposed etc. HR (after hearing my side of the story), two days later, they wrote back saying they had spoke to both concerned and that they had all agreed that they would all meet with me to have a discussion. I was horrified at this, I had been duped into a meeting were it was a 2 vs 1 scenario, no witnesses, was totally bullied and intimidated, no witnesses, and HR wanted me to meet with them again under the same set up, ( HR are supposed to be impartial but in our company they are not). Before this week came around I was that ill after the original meeting, had nearly crashed my car on a busy motorway after suffering a severe panic attack, more followed, that my GP signed me off work and prescribed anti anxiety medication. To cut a long story short, I raised a grievance, it was heard by same HR I had spoken to initially and another manager who offered me a "new position" when accompanying me down in the lift out of the meeting room once the grievance had been heard, I said nothing. It took them 5 months to conclude the grievance stating time out of office and work commitments. When the notes came out it was clear that both managers had colluded, also my notes were missing, when I asked about these, they then sent a diluted version of my notes, when I asked them that I wished them to be amended to what I actually said, they thanked me for the ammendum but stated it wouldn't change anything. They also added parts to my grievance which were not included, to absolve themselves I guess. My post was on a recruitment site straight after (I know this is not against the law but trying to give an insight). None of it was upheld. The two investigating, made the conclusion. In between the grievance conclusion and me stating I wished to appeal, the person I raised the grievance about was promoted. The Grievance appeal was heard by same HR person and finance director, was cut short as they had a flight to catch. I was then sent the notes of said meeting, it was so heavily diluted that anyone who didn't know about it would have a hard time working out what all of the fuss was about, my witness emailed their notes, after that, although a conclusion was promised by the end of last week, straight after my witness submitted their notes I received a "without prejudice" email asking me to accept a paltry amount of money. I would gratefully accept any advice on what to do next, if anyone has any questions please ask, I just tried to keep this post short (ish) and to the point. Thanking you all in advance.

Earlier this week I did something really stupid, I attempted to get out of paying for a train and what's worse I did it on the way back as well. I have read as much information as I can on this site and another and don't hold out much hope. I got through the first time but on the way back I was stopped by a Revenue Protection guy and was found out and even more stupidly told him that I was on my return journey. What I am really worried about is my folks finding out since I live with them and have no where else to go. which would probably mean homelessness. I am disgusted with fear, can't sleep, and need help. I feel I have no option but to admit guilt but I am really hoping that I deal with only the fine and not the prosecution, as I have been unemployed for a while now (not collecting benefits) and with a conviction don't hold out much hope. I am currently dreading the mail coming through the door and what it might say. I am not looking for sympathy as I deserve none, but want to know what my options are and the likely outcome. Seriously anybody who is thinking about dodging the collectors forget it, it is not worth it. I am currently looking at prosecution, a fine, and a criminal record (which while I feel is over the top is what it is) My intention is to plead guilty, as I don't see any option (please correct me if I am wrong) As for what I want if somebody knows anybody or has a contact (phone number or e-mail please pm me) in the prosecutions department please let me know, as I am desperate. Also what is the likely maximum amount of money a 1st timer (yes I know I tried to do it twice in one day) would likely pay, as I am currently living off the money I do have. Please don't do what I have done.

Firstly a big thank you to anyone whom helps. Going back now some 12 years I used to use a style card which was a store card with a silly high APR that in my youth a had loads of charges on for late payment and I believe also PPI. The card was owned by then RBOS and the card no longer available and hasn't been for some years around 2008 Am I still able to claim for the charges after this time? To whom would I write to requesting details and charges to my account? Many thanks

Happy 2015 to everybody. I receently received a letter from a company called Watson Hope & Co regarding a debt I have. I'm reluctant to divulge full details regarding the debt (medical) but was hoping a few general answers could be provided: 1) Are these a legitimate company? The letter arrived dog eared, tatty, and actually open at the bottom of my garden? I have read other accounts online of the letter arriving in a similar condition. I've been to their website and they look legitimate.. .but a cat can look legitimate these days. The letter itself is also riddled with peculiar language and grammar choices (more peculiar than my own). I guess my question is: do I now owe these people money or is the debt still with the original creditor? 2) The original amount is for £570. This is an amount I am willing and, in fact, have tried to pay. The only reason for the delay in payment is due to the creditor not fulfilling their obligation. Watson Hope claim that they are owed a further £85.50 as a "collection fee". This ammount I am not so willing to pay. Is it too late for me to discuss this matter with the original creditor, despite having tried to do so on multiple occassions already? And finally... can I fight this? And is it worth it? The letter is riddled with slightly threatening language. Thanks in advance for any help with this.

Just had a very tatty letter delivered today from the above. It looks like it has been opened and taped shut a couple of times! Long story short, we borrowed some money from a friend on the understanding we would pay it back when we could. That time is hopefully almost here and we intended to pay it back with interest. It's about £7.5k. We received this letter saying they are instructed by their client, our friend, to collect the debt that has "been outstanding for far too long"! it's pay up now or we will issue a writ, their words, now I know they can't do this as they are only an accountancy/debt collection company, but they want a collection fee of over £1.1k!!! We are to send a cheque payable to our friend to them. They are saying the letter complies with the Civil Procedure Rules, new to me, but I'm no expert. We have nothing is writing from our friend, we intend to pay in full with interest, but I'm not sure I want to pay any interest after this letter from this outfit. What do you think would be the best course of action now

People with arthritis have been offered fresh hope after patients were effectively cured using a revolutionary electronic implant. Doctors used tiny pacemaker style devices embedded in the necks of patients with severe rheumatoid arthritis to "hack" into their nervous systems. The implant - whose effects were exclusively demonstrated to Sky News - fires bursts of electrical impulses into a key nerve that relays brain signals to the body's vital organs. http://news.sky.com/story/1396464/nerve-hack-offers-arthritis-sufferers-hope

Hi all, I was on my lloyds tsb online banking and I accidentally transferred the money to an old nationwide account i haven't used for a couple of years and was £222 overdrawn. I rang Lloyds straight away and they said there was nothing they could do and I should contact Nationwide. I rang Nationwide and they said as it was £222 overdrawn it's now £78 in credit and they can't do nothing for me despite it being my holiday money for 3 weeks time which i've now lost and the fact it was an error. I didn't type in the details it was an existing payee which i used once around 2 years ago i was meant to have deleted it from the payee list on Lloyds online banking. I know i'm clutching at straws here but I'm desperate as I've just lost my holiday money, I was supposed to transfer it over to my Natwest account for safe keeping but accidentally clicked on the wrong account.

Hi, Received a PCN by post. The date of contravention is the 14th of March 2013. The date of issue of the notice is 6th of August 2013. Is this not out of time? Can I appeal on this ground? Secondly, the PCN is in my son's name, who has never owned my car. This is certainly a mistake by Newham Council. Any and all help gratefully appreciated.

I cancelled a standing order payment to them over a month ago. They have still taken money from my account! Anyone else any experience of them? How can they do this? I will be contacting them and my bank about this. Just wanted to know if anyone else has had to deal with them.

I have been making payments on a catalogue debt of £554.72p (Great Universal) since 2008. I made payments via order postal order of £1.00 a month to Geoffery Parker Bourne Solicitors. in November 2009 I had a county court judgement against me, and this is where it gets confusing, H L Legal & Collections working for Intrum Justitia on behalf of their client Phoenix Recoveries I was told to make payments of £1.00 a month to H L Legal and I did this again via postal order. in December 2010 I arranged a standing order for £1.00 a month to be taken from my bank on the 2nd week of every month. on the 3rd October 2012 I received a letter from Pace Forward asking for an address confrimation and it ended up being for the Great Universal account which I was already paying H L Legal for via standing order. They said that the balance was £662.22p !!!!! I contacted H L Legal straight away who said the balance was £507.72p and being as the account had now been sold on it was best that I stop the standing order, which I did. I heard nothing more until the 8th November 2012 when another company, Rockwell, contacted me again about Great Universal and that again the balance was £662.22p. I told them that I have been paying this and have been given a closing balance of £507.72p from H L Legal that had the account previously and that I was querying the balance. I have again heard nothing until the 16th July 2013 when I again received a letter from a Rossendales Collect again asking for £662.22p. I again phoned them and explained the situation and that I am querying the amoiunt. I have also been in touch with H L Legal who now, because the account is closed to them, have no record. Thankfully I have the postal order receipts but I am going to have to dig out the bank statements as they now want proof that I have been paying. What do I do and where do I go from here. Thank you in advance. Trey Oh and I forgot to say ... the account of Great Universal was sold on to Phoenix Recoveries who then sold it on to Arrow Global Guernsey Limited which it is now.

Hi all, Just to let you know there is light at the end of the tunnel. At my worst, I was paying around £700 per month to Payday loans (3 loans). I have now cleared 2 of them (Lending Stream and Payday Express) and have a repayment plan for Speed Credit of £100 per month for the next 3 months (clear just before Christmas). I know some of you will know the relief felt by this freedom, and want to let those of you who feel like you are stuck in the mire that there is a way out

What is it about these people. I phoned them today to see if it would be possible to maybe pay less off my arrears this month. I normally pay £140 off per month (total arrears left is £600. You would have thought I had asked for their bank account pin number! First I was threatened with agreement cancellation, then a mortgage review inc credit check which I refused. "Well, we can't help you then" was their reply, "full payment and arrears or we go to court" So there we have it, nice friendly sympathetic folk that they are. All for £70 I hate to be like this, but I have prayed to God that they go bust and they ALL lose their jobs. Sorry, I know it's terrible but it isn't really a very nice way to earn money anyway is it?