hi
i have been recommend to speak with you about having an iva and owning my own home.
I am single mum of two and one has just gone to uni so i am over £300 down in income and the iva company are not helping me reduce my payments and its killing me - i didn't know anything about being...
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The Bear & The Hare
I know it's too early, but this Christmas advert is brilliant 
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New HMRC First Tier Tribunal Ruling could mean a sucessful appeal against daily penalities
Thought id let AAD'ers know of a recent first tier tribunal ruling that could potentially help sucessfully appealing against daily penalties for failing to submit a self assessment in time.
It should be said, that a first tier tribunal is not concrete and can be overruled in the future....
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Payday firm fined for information processing failures
Payday firm fined for information processing failures
This is a duplicate of the Blog Entry made on 10th October 2013 14:16.
A payday loans company and its director have been prosecuted for failing to register that it was processing personal information. Hamed Shabani, the......
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Doctors Told To Abandon Patients Undergoing Vicious Medical Assessments
This will happen soon enough as Doctors are failing in there duties under the GMC code of conduct:
http://johnnyvoid.wordpress.com/2013...t-assessments/
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help with tax
my son is self employed in partnership with a friend , they are making a loss in the business and both of them were naïve about business and my son has received a £1300 tax bill and from what he is telling me it is fines for not putting his /tax in on time, hubby helped him to put his tax returns...
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Payday lenders 'failing to follow new codes' says minister
Payday lenders 'failing to follow new codes' says minister
This is a duplicate of the Blog Entry made on 1st July 2013 15:05.
Payday lenders are failing to live up to the "spirit or the letter" of codes they signed up to last year, ministers have said. The comments...
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Diasflac UE Diary
I'm not sure this is UE but it's a diary I'm starting today for moneys owed. I've stolen some templates from here if you don't mind and used some letters of my own (happy to upload if anyone wants to see). I'll give it a whirl, there's only a couple as most of my debt is in an IVA which was set up before...Last edited by Diasflac; 24 July 2013, 10:49.
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Affordability checks not being carried out by payday firms
Affordability checks not being carried out by payday firms
This is a duplicate of the Blog Entry made on 7th May 2013 17:17.
Payday lenders are failing to conduct affordability checks after 65% of borrowers said they did not get asked about their financial situation when......
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1st Credit / HBOS
Hi,
I have read the info on here regarding 1st Credit and HBOS accounts, but just wanted to check what my next move should be.
I had a Halifax credit card, taken out in late 2000. After falling behind with payments and failing to get any assistance from Halifax, I received...
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Lloyds' spectacular first-class fob off by failing to investigate complaints thoroughly
Lloyds' spectacular first-class fob off by failing to investigate complaints thoroughly
This is a duplicate of the Blog Entry made on 31st March 2013 12:18.
Suffering a loss or poor payout on an investment is not — on its own — an indication you have been the victim of...
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Payday loan firms ‘try to stall reform’
Payday loan firms ‘try to stall reform’
This is a duplicate of the Blog Entry made on 10th March 2013 12:56.
*....as Government aims for industry overhaul* Payday lenders are delaying the Government’s efforts to overhaul the industry by failing to...
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Enforcer started a topic Unfair Terms in Consumer Contract Regulations 1999 (the Regulations) Barclaycard (the Company)in Credit CardsUnfair Terms in Consumer Contract Regulations 1999 (the Regulations) Barclaycard (the Company)
I complained to Office of Fair Trading regarding Barclaycards terms and conditions.
In particular section 16.3 where they state that "we may use money in your other Barclays accounts to pay us."
Now this is contained in a document that is standard to ALL Barclaycard account...
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Yorkshire Bank faces claims for compensation
Yorkshire Bank faces claims for compensation
This is a duplicate of the Blog Entry made on 16th February 2013 08:50.
*More than 500 people are seeking compensation from a bank for failing to protect their deposits in an unregulated scheme. * Investors who...
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New TV no Surround sound
I have had a Pioneer home cinema & DVD setup with a Samsung Plasma screen for around 4 years. Pioneer was connected to the TV with an HDMI lead and a pair of Audio leads. I could listen to the tv through the home cinema system.
I have recently changed the TV to an LED smart TV, also...