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Popular Content

Showing content with the highest reputation since 18/05/19 in all areas

  1. 2 points
    Here is a link to the DWP online guide to claiming Universal Credit, there are videos explaining the process here. https://www.understandinguniversalcredit.gov.uk/making-a-claim/how-to-claim/
  2. 2 points
    I think the only issue with that is that the site is voluntary run It relies on people helping between their day jobs and to be honest between other things that they have in their lives as well I'm sure things will be updated but it can't be expected to be instant unfortunately
  3. 1 point
    One from the newspapers, a motorist who took time to change his baby's nappy before feeding the meter at Sutton Harbour, Plymouth was sued by Britannia parking but the judge threw out the claim becuse "neither the sign or the small print made it sufficiently clear that the time started when entering the car park". Now as usual the paper refers to a "fine" and it has been commented on before by judges tht the clock doesnt start when you enter the car park but should only take into account the actual parking period and hence the MINIMUM 10 minute grace period. So peeps, look at the wording fo the signage and if there isnt a clear definition of the grace period no binding contract! Will they change their ANPR systems to reflect this? Of course not, the majority of people will pay up even though the charge is unlawful.
  4. 1 point
    agree, a leaking roof is not a minor snag. 10 year warranty? If they cant build something properly in the first place then what will that be worth in a fortnight, let alone 10 years. egt a surveyor to have a look at what they ahve done and then tell them that you expect any faults found during the survey will be corrected before sign off and final payment. If they then walk away I wouldnt be surprised, they know their limitations
  5. 1 point
    They'll look at that, see the obvious flaw, and (probably) say "ohh, look, its got a copy of a line from the letter we first saw in Nov 2012". There is no "magic bullet" letter, but I'd suggest: a) Not saying something that they'll immediately say "well, that doesn't seem strictly true" b) by all means use "themes" from letters you have seen on the internet, but don't straight copy : not only does it risk you saying something not appropriate to your situation, but they'll have seen it before, and your own words will 'ring true' and be more persuasive than direct copying from internet forums.
  6. 1 point
    They will try and fob people off but tell the call handler you can't use a computer and they will take it over the telephone, it's just easier for the DWP not to use that route hence why it's well hidden and not often referred to.
  7. 1 point
    Pierre - Just stop. Phoning the call centre yields no results. Put everything together and send it to - joe.garner@nationwide.co.uk Thats the CEO email - It will be sent to the Exec Customer Relations Team who will investigate a complaint Its more productive then playing Whack-a-mole...
  8. 1 point
    the DD guarantee is immediate and should happen immediately THEN they ask should questions. https://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-directdebit-guarantee.htm go complain to the FOS after one more phonecall demanding they immediately refund ALL DD's made to PP within date xxx to date xxxx. if they will not then tell them you will now be making a formal complaint to the FOS and seeking financial compensation because they have failed to honour your request. sadly Nationwide have always made the rules up themselves. I waited 3mts for a +£1000 dd guarantee refund last year I got interest on top and £250 compo by complaining to the FOS about them 2 weeks later. dx
  9. 1 point
  10. 1 point
    Re: PayPal.. Make sure you monitor and amend any parties authorised to take automatic PP payments - I was stung by an anti-virus company yesterday, I disputed with PP, and the rejected the dispute. My funding source was NW, and I don't have funds in that account.. So NW will fine me £10, but the virus company won't get a dime. I had no idea that I had any PP authorisations to third parties. Quite hard to find, but check it out. For reference, I have a PP business account, and have had for ten years. Tom Xx
  11. 1 point
    I will be closing my NW account too, no matter the outcome. More out of necessity as I need to relinquish all control of money while I go through recovery. My salary, all bills and all debt repayments will be going through my wife's Santander account and we will look for a solution so that I can access small amounts of cash. Digital services seems the way to go and that's the second recommendation of Monzo after fkofilee posted this morning. Will definitely look into Monzo and Revolut with my wife and see if they can give me the boundaries I need. No matter the outcome of all this, taking a stance and challenging what I think is a disgusting practice has started to pull me from a really dark place. Can't thank you guys enough and I will be sure to use my experience to help others who come to this site in need. Pierre
  12. 1 point
    I've just told Nationwide where to go. They were charging me with charges that their charges caused my account to incur. I have opened up many digital accounts now, and I have found the best to be Revolut, although Monzo are a great second. Direct Debits.. They just exist to make banks money. If you don't have enough to cover them, you are fined by your bank, AND your product/service provider (e.g. BT). NEVER take out Direct Debits, be in control of your cash. TC Xx
  13. 1 point
    Its complete when your satisfied and any snaggings have been corrected and faults rectified to your satisfaction....then you pay the balance
  14. 1 point
    Yes i do have experience, You are entitled to a full refund under the Direct Debit Gaurentee. You raise a claim with your bank. How long ago were the DDs taken? PP will attempt to challenge it but hold your ground. These amounts arent small so I worry that you will struggle but do what you can Lets see how this goes.
  15. 1 point
    yes but it would be wasted on them. They dont care. Now if the OP sued them for allowing the parking co to collect their personal data when they had no cause to do so they might start to take notice. If 40 peopel sued them they would definitely have to consider the guff they spout forth to defend ther laziness. Anyway, good news about the cancellation. Things like that do hurt the parking co, they have spent a fiver on this and cant get that back and they have also now made themselves more visible to their employers so if they do get enough complaints they may well be out of a contract there so keep complaining folks!
  16. 1 point
    oh dear even they don't understand what useless buggers they have employed pers i'd be writing back stating they are wrong, and that there are not legal parking fines issued by the police/coucil etc..but merely a speculative invoice which can never be a legal fine. I think EB could have fun here too.
  17. 1 point
    Indefinite is what DLA for life awards became when PIP was introduced. Zero reassessment (unless you got caught up in a random quality review) but would end on an indefinite date when transition to PIP happened. I'm sorry you've had issues with the ESA back payment trawl - have tried to find somebody via Advice Local who can help you? Or CAB/council/disability charity/etc https://advicelocal.uk With the PIP if you carry on with the application your DLA will continue until the PIP decision is made...... and you never know you might get lucky. I was a bit worried about it all but it looks and has been quite straight forward so far. My philosophy is Win or lose at least my DLA will continue for a couple of months and allow me to make plans for when it stops. If you don't then your DLA will end basically 4 weeks after the PIP invitation letter arrives. Well it's 8 but payment is suspended after 4 weeks .
  18. 1 point
    Followed the advice given on another thread and sent the CCA request and I got this back. I'll be making a wee contribution to the coffers on payday. Thanks guys. Cabot-CapitalOne copy.pdf
  19. 1 point
  20. 1 point
    Difficult to say however you can most certainly attempt a chargeback with Nationwide. Call 01793657689 and it should put you through to phone banking. They may reject the chargeback which is completely in their rights to do so. You've spent the money on this so its not exactly unauthorised but at the same time - Paypal and Nationwide should have failsafes in place to stop this. IF you are finding it difficult - Can I suggest Monzo as an alternative if things go south with Nationwide? I am with them full time - I dont gamble but i think it could be beneficial in your case - It will also give you a backup account if you need it https://monzo.com/blog/2018/06/19/gambling-block-self-exclusion/
  21. 1 point
    In the request, I think you also need to suggest how the 4 - 5 part of the day can be covered with minimum impact to the business.
  22. 1 point
    If you ring Barclays makes no odds......or attach a letter to your CCA request...its not acknowledging the debt
  23. 1 point
    " the last payment made to the account was on 30 September 2016." You only have their word for this...check the assignment date...did PRA own the debt at this date or was it still with the OC ? Do you still have access to your statements....can you check if there was a payment ? Andy
  24. 1 point
    Always worth a try, and the Residency thing will resolve itself after 6 months, they used to use the habitual Residence test back in the day to prevent someone from Liverpool say claiming in Rhyl. Has he looked at a benefit calculator like on turn2Us? This is the link to the UC from UKGov site https://www.gov.uk/universal-credit
  25. 1 point
    Finally all settled, thanks to everyone who gave advice. The best single bit of advice I was given was not to apply for Letters of Administration but to deal with everything informally as there was so little in the estate and it was clearly insolvent. Most creditors have just written off the debts, it obviously wasn't worth their time to get 10p in the £, the only ones that didn't were Capital One, Vanquis and DWP. Had I done things formally, then I'd have had to supply endless bits of paper to DWP in particular to prove every penny. As it is, I included a line in the settlement letter stating that in view of the amounts involved I wasn't prepared to enter into any further correspondence or supply any documents, i.e. take it or leave it.
  26. 1 point
    Argue that the extra is difference in premiums and not the amount they are asking for. Given they have delayed in contacting you, they could simply make the change, so you pay the £891, if that is for same policy terms with the sane underwriters.
  27. 1 point
    yes do it right with the letter and its wording look at post 3 in that link and its attachment that's the address
  28. 1 point
    14 days used to start from date you received the policy documents, but if you bought it online, it is 14 days after the start date. Agree that if they are coming back to you two days after the cooling off period, then that is treating you unfairly. They had time to come back to you, before the 14 cooling off period ended. Make a complaint and advise that you will ask the FOS to review the matter, if they can't offer a satisfactory resolution. Have you obtained a quote based on 6 year licence to check difference in premiums compared to 7 year licence ? Might be worth doing so, with a view to informing you whether it really is another £185. Sometimes the extra amount in these situations include admin fees.
  29. 1 point
    Best Post, You don't want to email anything as it gives them another way to harass or send stuff at last minute 2002 they need an original agreement with the original T & C's. Sure other Caggers will be along soon also with advice.
  30. 1 point
    I suppose that there is a typo which means "not can". If you really want to make a point then if you think that they have got enough information to identify you then you could challenge them in court but that will take time. If you want to make things quick then you could simply send them the information they want. It would help if you tell us which organisation you are dealing with
  31. 1 point
    Hi Draft letter affixed. you need to put your address at the top, the lenders name & address under the date and also put in the mortgage account no . You should send these letters by Special Delivery and keep the postal receipts so you can check on royalmail website to print of proof they received them. Send one copy of the letter to Halifax (make sure you have the right department) and one copy to the solicitors with a covering letter as below: (your address, their address and mortgage account no as the other letter - then put: Please find enclosed copy of a letter send to your Client Halifax Building Society. Yours faithfully, XXXX Enc. Tash 1990 Letter.doc
  32. 1 point
    Ohhh noooo!!!!!! Loved grumpy cat...
  33. 1 point
    The relevant case law is Browning v Floyd (1946) KB 597 (funnily enough, a husband using his wife's non-transferable ticket). The fact that a fare (her fare) was paid didn't mean that HIS fare was paid .... So, the risk is that you'll in effect be saying (since this was an annual Pass): "Dear TfL, I evaded my fare for months, using my wife's Student Annual Oyster. (It doesn't matter that I'd paid for her Oyster, as that was for HER fare, but I didn't pay MY fare). So, it is bad, but not as bad as Freedom Pass abuse, so you shouldn't take me to court." The fact that freedom pass abuse is "worse" doesn't equate to them having to offer an administrative settlement, and how are you going to get past any discrepancy between what you are saying, and the RPI's notes (given that you have said here you lied to the RPI). Additionally, Freedom Pass abuse might be on multiple occasions, but might be just the one event, and if they go looking, they might see your use was multiple times over months ... so the two aren't directly comparable. I suggest you tread warily. By all mean stress that the result of a conviction may be disproportionate for you, but I wouldn't try to suggest that because Freedom Pass abuse is worse they are obliged to offer you an administrative settlement. You also want to try (as far as possible, while being truthful) to not bring in anything that the RPI's notes contradict ... you don't have to own up to anything they aren't asking you about, but don't get caught in a (further) lie, either.
  34. 1 point
    exactly that and do nothing when they send the next demand after that. The only time you need to reiterate what has been said already is when they send a proper LBA adn they wont be in a hurry to do that
  35. 1 point
    The technical term is they haven't got a Scooby! Although there's a bit of speculation that your final point might be very close to the truth! There has only been one rouge JCP area trying it on before being called out (top down management direction)...... but lack of staff training is rampant and far more likely rather than direct malice. Glad things worked out for you superg
  36. 1 point
    Hi You have been given some excellent advice Could I just ask as your mother due to her medical condition is classed as SMI do you have Power of Attorney (POA) for your mother? When you initially informed the council you were living in the property as your mothers carer did they send out a Change in Circumstances Form for you to complete or a blank new Council Tax form to fill in? Challenging a Council can be very difficult especially if they know they are in the wrong but don't want to admit it and dig there heels in and throw any confusing dribble at you in the hope you will go away. I fought my own council for over 4 yrs as refused council tax reduction, outcome they lost big time and had to pay back 4 yrs CTR & £££££££ compensation. I do agree you could do with help locally to assist you in challenging this with the council. (in your search engine just type 'carers south gloucestershire') contact them and just explain you are a carer for mother who is smi and council tax issue and if they would be able to help or point you to someone else) I would also recommend that you need to write to the council and place this in-dispute (title letter 'Formal Complaint Council Tax') and make such and keep a copy and get free proof of posting. (do not contact them by phone put everything in writing, you need to keep a good paper trail of evidence) Note: the reason I say to place this in dispute is when you get there acknowledgement of receipt of your complaint what comes into force is they need to use the legislation / Regulations that were in force at the date of councils acknowledgement letter. (if they then try to use any updates / changes made to that legislation/regulation after that date it's a no no as they were not in force at the date of your complaint but they will always try as people are unaware of this)
  37. 1 point
    look on the bright side, they have to spend more time and effort on this and they still wont make any money out of it. you say you sent a more technical letter, that may be good if you got your facts absolutely right and didnt say anything that makes it a dead end argument should it be used as evidence later. that is why we try and get peopel to say the absolute minimum, it doesnt show the limits of your knowledge and cant be used to limit what you say later. as for not posting up here in case they read it- we would rather they did read it here and then realise that you arent going to be mugged and save everyone's time and money than you play secret squirrels as the only peopel who dont know are us as you have sent the letter to the protagonists already havent you?
  38. 1 point
    I thought I'd come back to update this. Without reading where I left off I will quickly summarize. I didn't hear back from FCE but instead received a letter from, if I recall correctly, UCS (Ultimate Customer Solutions). I explained the same thing to them and enclosed a copy of the letter I sent to FCE and have not heard anything back. The cashier at the garage asked me awhile ago if I'd got everything sorted and I told them I haven't paid anyone other than sending the garage the cheque which he says they can't cash and is pinned up on a notice board in the office. They are not bothered because FCE reimbursed them anyway he says. @ericsbrother, this is an interesting twist and whilst I am tempted to follow up with the garage I do not wish to be barred from using it's services if they decided to be an arse about it. FCE on the other hand, I may well pursue. Could you point me in the direction of some more information regarding illiegally processing personal information so I can see what my footing is in this respect. Thank you to everyone that has contributed here.
  39. 1 point
    For the avoidance of doubt, in order to legally 'take control of goods' or to charge fees, an enforcement agent must issue a Notice of Enforcement and this MUST comply with Regulation 8 which states that the notice will not be considered as being legally served unless it is sent to the debtor: 'At the place, or one of the places, where the debtor USUALLY lives or carries on a trade or business'. In your particular case, B&S have undertaken checks and have established that you have moved. In this respect, they should have issued a fresh Notice of Enforcement to the address where you USUALLY live (which is number 6A). Unless they are willing to do so, the position is very clear. They can neither take control of goods...or charge fees. To do so, would be unlawful. You may wish to remind the company that unless they are wiling to issue a fresh Notice of Enforcement to your USUAL address (number 6a), that you will be looking to pay the ARREARS direct to the council.
  40. 1 point
    After they sent me the letter, I tried to look online for information regarding dependents. I saw that they said they wouldn't consider a full time live in carer like myself who isn't in any other employment and is looking after a parent, an adult. I don't know what they mean by that specifically. If I'm not considered an adult, am I exempt entirely or am I just entitled to a discount? I can imagine in my local council nothing is straight forward. Is it better to email rather than deal with them on the phone? Is it worth involving the local MP? Apologies for all the questions, I just want to make sure I can put this information to good use. Thank you.
  41. 1 point
    Thank you so much for such detailed replies. So from what you're saying there is, that as long as my mother lives in and owns this property, she will always be liable for the council tax regardless of her status with SMI? So in theory, the council tax bill should remain in her name, where she's given full discount to her condition and I should be listed as a resident? I have a couple of questions I hope you can help me with: 1. Would there still be an amount to pay since I'm living with her or would she be given a full discount regardless of who lives here since the bill would be in her name? 2. How do I get them to listen? Since I have spoken to them so many times and still they insist that I pay them and I've given them over £300 because they've been threatening me with legal action whilst I was waiting for their final calculation- which apparently is wrong. Thank you again for the invaluable advice.
  42. 1 point
    In respect of council tax reduction (CTR) the local authority has discretion to vary their scheme slightly providing they stay within the overall scheme limits set by government in some instances. What the CTR scheme does not have the delegated powers to do is to alter a determination under council tax legislation in respect of liability. This includes the inability to pay a CTR claim to someone other than party who is liable for the council tax charge on a property. This requirement is, as required, covered in the council's CTR schemes at Part 3 (13)(1)(a), Part 3 (14)(2)(a) and Part 3 (15)(3)(a) of the council's pensioner CTR scheme and Part 1 (7)(e), Part 1 (7)(f), in respect of working age CTR claims.
  43. 1 point
    If the council have made you liable then they have done so in error (or on the basis of unclear information). You cannot claim council tax benefit as you do not have the highest legal interest under s6 of the LGFA 1992. As the resident owner your mother retains the highest interest for council tax purposes. Although your mother is disregarded as SMI that doesn't stop her remaining as the liable person for council tax purposes (people often confuse the issue of liability and disregards - even council staff sometimes do). Therefore she is both the liable party for payment and the party who has to claim council tax benefit.
  44. 1 point
    I haven't bothered to follow those links but if they merely appear to confirm what you are saying then they are talking rubbish. The one that you have quoted above in an earlier post is extremely generalised and frankly misleading. It's honestly written by a policeman and not somebody who understands the law. Our police are excellent and they do an excellent job but they need guidance on the law and you should not treat them as an authority.
  45. 1 point
    https://www.avonandsomerset.police.uk/advice/vehicles-and-roads/non-payment-of-fuel/ https://www.west-midlands.police.uk/your-options/leaving-petrol-station-without-paying https://www.kent.police.uk/advice/theft/fuel-theft/
  46. 1 point
    Sorry, but this is all sheer nonsense. The theft act 1968 section 1 says that theft is the dishonest appropriation of property belonging to another with intention to permanently deprive. There is no dishonesty here and there is no intention to make any permanent deprivation. The facts speak for themselves the evidence is clear. Because of the problem of people going off without paying for their petrol and then later on saying that they intended to pay, section 3 of the theft act 1978 was passed which creates the offence of "making off without payment" Once again, it is very clear that there has to be an intention to avoid paying. The evidence is clear here that the OP tried to pay and was prevented from doing so. The garage are not entitled to refuse payment. I don't know who these new bounty hunters are – FCE - frankly you should tell them to go and do one. In respect of the posts which I have quoted above, I apologise because generally speaking the quality of advice that you get on this forum is much better than this.
  47. 1 point
    By the VERY FACT of you fueling up your representing that you have the means to pay. Just because the garage uses alternative means without getting the police involved means they are paid quicker and YOU have less chance of being charged. Yes it is a criminal offence. It Is not a civil matter if the police get involved.
  48. 1 point
    I do not know if what you say is particularly true because they did report it to the police and during my conversation with the police afterwards they said the garage should have accepted payment and that would have been it. By showing all the signs of being willing to pay but temporarily unable, I think you would struggle to prove it as theft and have the rozzers after me as you suggest. My understanding is that it would be a civil matter that they could have sued me for but I could be wrong.
  49. 1 point
    no you are not bound by any terms and conditions. pers i'd write them a cheque with a letter and give it to the garage. [minus the £6 ofcourse!!] dx
  50. 1 point
    Former Sun editor Kelvin MacKenzie now wishes he voted remain. http://www.bbc.co.uk/programmes/p03zqwlc#play A lot of people have changed their minds and it will be interesting what happens.
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