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Savings for my children
Hi CAB I was wondering if you could explain all the options i have for my kids in regards to savings and investments for them in the future. I have very limited knowledge of any types of investments as my husband has previously been the one who has dealt with our money. Any websites or simple info of my options would be…
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Right to claim Maternity Pay, whilst registering as a sole trader...
Hello there, I am after some advice, hopefully someone will be able to help! I am currently employed - soon to go onto maternity leave. I wanted to register as a sole trader, whilst on maternity leave and wasn't sure if this was possible, whilst in receipt of maternity pay, so I researched online and came across this…
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1 gym membership 2 contracts please help
Back in March this year I signed a 36 month gym membership contract - I know really stupid thing to do, the woman was sooo pushy! anyway it was with DEBIT FINANCE COLLECTIONS. The price was £16.50 per month and didnt include personal training, creche etc. After a month I was struggling to get the kids looked after so that…
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PPi
Hi When I moved house I was sold critical illness benefit by the estate agent. He came to my home and arranged it there and then. He said that I only need to pay it for a month or so - until he got his commision. It was the first time that I had moved house on my own and I was learning as I went along. I felt grateful that…
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entitlements when working
im 19 years old on normal wage ( £4.98p/h) part time worker. i recently filled out a HC1 form and was rejected any help what to so ever, my point is i have just paid over £200 for my teeth as i was having problems it wasnt the case i just wanted it doing but i NEEDED it and the treatment i had is only guaranteed for 1…
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Car smashed from behind - Need advice
Hi, Yesterday when I was driving back after picking up my daughter from school, a car smashed into my car from behind. I was waiting at a roundabout for my way and as soon as I started to take the first exit, a car smashed into mine from the back(seems she was following me closely). It shook me and my daughter severely.…
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Damaged Windows By Olympic Bunting
During the Olympics I purchased some Olympic bunting from Sainsbury's to hang from my windows. Once the Olympics were over I took the bunting down to find that the pattern on the bunting had transferred itself on to my white window frames. At the time I didn't think anymore about it and threw the bunting away and thought I…
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Holiday entitlement calculation issue.
HI, I have posted something similar in another section of the forums as did not notice there was a specific Citizens Advise section. My issue is that my company currently calculate my pay as if my weekly hours differ, They use the previous 12 weeks to calculate my average daily hours, Now i know this is common practice but…
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CAB work experience and legal-financial sector experience
Hi everyone! My sister has previously worked as an Admin for the Citizens Advice Bureau (Debt/Money Advice department) She was dealing with legal documents, forms and correspondence on a daily basis. She wants to apply for a new job (Legal Clerk position) where they require experience within the legal-financial sector.…
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CAB Truro, Cornwall
Im trying to get through to book an appointment at the CAB office in Truro Cornwall to discuss benefits with them. I have called both the 0844 number and the 0300 number several times, but I always end up listening to the recorded message saying no-one is available to take my call. Please please please, can someone get me…
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Cancellation charge by holiday
I am in the process of cancelling a skiing holiday that I have booked for January. Unfortunately, I have now found out that I have an exam the week I am supposed to be away. Obviously, I am not happy by this situation as I am missing out on an excellent holiday and also going to lose my deposit. We had to pay the full…
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Council Tax Overpayment Query
Hi, I wondered if anybody would be able to offer me any advice on my Council Tax bill. My bill is broken down as follows: 25% Discount - Single Adult Occupier - 03 May 2009 to 20 Sep 2009 - £94.16 Exemption Adjustment - £110.88 Discount Adjustment - £13.52 Charge for Period - Band B - 01 Apr 2012 to 31 March 2013 - £989.85…
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Easyjet double transaction
Hey, I was hoping someone could advice me. I was going through my historic bank statements and I found that easyjet has double billed (£55) for a transaction last year. I called easyjet and all they could confirm was that I should only have been billed once (as per the statement). The agent said that I would not have been…
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questions on rights when sickness levels are over triggers in public sector
I need to know what I should do I have had a lot of sick abesences and I have passed the first trigger have had ohs stuff and now I am on half pay I would like to know if I can be dismissed and if so does that mean my pension is lost too. Have worked for 12 years went part time 6 years ago, I am diabetic and hypertensive…
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being forced out of job
i work for a very large pharmacy brand, and have been employed in a responsible role for nearly 5 years, in last month a new store manager has taken over the store. he offered me some hours extra which i agreed. few days back we had a discussion about a fellow workers lack of work, my manager refused my concerns and said…
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Ebay seller lies and wins dispute
Hi, I bought a phone off ebay for £100. When it arrives it comes with a broken charger and the iphone would switch but would cut off after 5 seconds of being on. I emailed the seller telling him this and he said that the phone was definitely working when he sent it and refused a refund. I contacted paypal and they raised a…
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Do I have a case to cancel contract?
In July I had a phonecall from vodafone trying to get me to take out a contract phone with them, originally i said no and explained that i still had 5 months left to run on my current contract so wasnt interested. The guy then offered me 4 months free line rental and 2 months at half price, so i agreed to go ahead and give…
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Rejected Warranty Claim
Hi, I bought skis at the start of last winter for the coming season 2011-2012. When using them on the mountain one of the skis snapped. I was advised by an expert in resort that this would be a simple warranty claim. On getting home an 'expert' representing the manufacturer has deemed that there must have been impact…
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Perfect home hell
Hi there I'm new to this forum and looking for advice for my sister in law. She currently took out an agreement with Perfect home for a two suites. She was making regular weekly payments then she got home and contents insurence, so she requested that her extra payments for cover etc be stopped and she would just pay the…
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Poor Quality Flooring
I purchased some Solid Oak flooring from a company called ukflooringdirect. On inspection everything looked lovely. The problems occured once the floor was laid by a builder. Within a day or two of the floor being laid, small scratches appeared all over the floor. After a week upwards of a dozen had appeared so I contacted…