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Local CAB only?
Hello A couple of years ago we didnt have a local CAB and I decided to go to my nearest one - Altrincham, Cheshire. I was at a pretty low point in life and I went in and was asked to fill in my name and address and wait to see someone. I promptly filled in the form and waited a full hour but didnt mind because I was…
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Mortgage for Buy to Let property
Hi, Basically, I lived in a property for a few years before going travelling and I rented the property. I had permission by the mortgage company (bank) to rent it. I rent the property to my sister as she is a single parent and the rent is enough to cover the mortgage. Now the agreement to rent it is expiring, 3 years later…
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eBay action to take post 45 day claim report deadline
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Moving abroad - am I still entitled to my pension?
Hi all, I wonder if anyone can help me. My partner is from the US and we are moving there permanently in approx. 18 months time. My questions are: Would I still be entitled to a UK state pension and if so, would the amount I receive be affected? (I have been in full time employment and paying NI for 12 years now). Also, as…
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Taxman wants money, although wife not working.
In 2009, my wife was off sick due to osteoarthritis in her ankle. Various operations later, she is still in a boot and has had to stop work on medical grounds. Before she went sick, the firm she worked for supplied a company car, as a taxable benefit. Not a problem. She has had a letter from HMRC saying that although she…
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Student loans missing repayments - Made to feel like a criminal
Hi there, I am looking for advice on whether I have any grounds to take a recent matter forward. In the tax year 2010-2011 I changed employers twice in the same year. Both failed to take out student loans repayments from my salary for that period of 7 months. This only came to my attention when I was sent through a…
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Paid car deposit
Hi there, hope someone can advise. I paid a deposit on a car on 9/6/12 and was told the car would be ready to collect on 14/6/12 as it needed prepped and a dash light reset. Called salesman and was told it was not ready yet but would be ready on 16/6/12. Called to check progress of car to be told the light that was reset…
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Why do CAB tell people to go get benefits to service debt?
Recently had a call back from the CAB after driving 20 odd miles to find the drop in centre times listed online were wrong... Someone gave me a call back I appreciate same day, didn't have a clue what to suggest apart from here is a link to direct.gov website to see what beneifits I could claim, to help service debt…
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problem with landlord ,please help
Hi, I really need some suggestion here ,please give some help.Thanks I rent a room from my current landlord and I have live there for more than a year . Because I trust on him .We don't have a contract . And when we make agreement there was one thing I forgot to metioned ,it’s council tax .so our agreement is X amount of…
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telephone and broadband cancellation
Hello I have a telephone and broadband service with newcall and planet talk. I started receiving this service in December 2011. I have been dissatisified with the service prior to this, for example being kept on hold for over 15 minutes when contacting them and when trying to communicate via email it was over 2 weeks…
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Medical Misdiagnosis
Long story, cut short. I have been troubled for a while with a blurry eye. I have had numerous checks at my local hospital, and they were going to go for 1 more test, as they couldn't find anything wrong. I had to cancel the appointment as I had a prior engagement, then I received a letter 2 weeks later informing me that I…
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Failed direct debit, wrong details on mandate.
Hi people, I'm needing some help with a direct debit problem. I have been charged for what i can see as misread handwriting on a dd mandate. and would like to find out what my rights and service providers responsibilities are. here's what happened, i started up an account with small internet service provider and sent them…
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Equal pay claim
Has anyone got any experience with equal pay claims. I have been offered less than half what my co workers have already been paid because i put my claim in a few years after them. I have been employed the same length of time, been on the same pay grade and do exactly the same work as them but because i was unaware about…
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land registry mistake
This is the first forum I've ever been on and I need some help as Im very confused. Simply put I brought a property in 2001 and was told that the beach was included on the deeds verbally by the sellers. When I went through the old paperwork dating from 1902 to 1973....etc..it was all listed and marked out with the…
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Small Claims Advice - Attachment of earnings?
I submitted a claim for £2400, via money claim online, it was issued on 03/04/2012. I then submitted a judgment, the judgment issued on 26/04/2012, then submitted a warrant, warrant was issued on 29/05/2012. So what happens next? I want the money to be claimed through an 'attachment of earnings order' how do I get this to…
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Experian
Hi Is there a list of companies that are able to access your credit report eg banks etc what are the criteria
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Delivery charges
I just bought a dining room table. When i went to pay, the company told me it was a £60 delivery charge. I replied that i would pick it up myself, they responded by saying that was not an option and it had to be delivered. They dont ship from the store. This seems unfair, as i did not get a choice. I have to pay the…
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Mental Health & Crown Court
Hi Guys, I am in crown court in August. I was just wondering does my mental health effect the court procedure? Can I ask them to suspend it for a few weeks? I am feeling really anxious and depressed at the moment and having phscotic episodes..
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Insurance dispute after car accident
Hi, I have a situation relating to a car accident. Guilty party reversed into car and accepted full responsibility. Insurance contacted and told which garage to contact. Drove car to garage and car was difficult to drive. Garage advised to keep off road til repair. Then told to contact insurance claims company who advised…
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Free Money????
Hi, Recently a savings account of mine transferred a sum of money back to my current account. This would have been fine, but the bank mistakingly transferred the money twice. But only one transaction was removed from my savings account. So essentially, I received twice the ammount I should have. This 'extra' money remains…