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Joa

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Joa last won the day on July 16 2006

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. Citizens Advice has had evidence from a large bank that towards the end of 2014 an increasing number of advisers encouraged clients to challenge bank charges using the Social Security Act. These complaints state that social security legislation prevents bank charges from being taken from welfare benefits income. This is not the case but there is misleading information/advice on the internet on this issue. These complaints will fail. This is a problem for clients as they are being given inaccurate information and false hope, it undermines the credibility of the advice sector, and it is a waste of time for all concerned. If you are in genuine financial hardship your bank or building society should deal with you sympathetically and positively, in accordance with the Lending Code. This may lead to a reduction in bank charges, but this will depend on the client's individual circumstances. It is important that the bank or building society is provided with full information about the client's situation so that it can make a proper assessment of their financial situation. This means supplying the bank or building society with information about your income and expenditure, assets and liabilities, and details of any creditors. This information should be accompanied by a request for the bank or building society to review the charges that you have already incurred or are likely to incur in the future. The Lending Code is a voluntary code and can be found on the Lending Standards Board website at http://www.lendingstandardsboard.org.uk.
  7. I am a Step (soon to be Basic) account holder. I have received a letter that as on 22nd of November I will be only able to use Natwest or RBS owned cashpoints. I knew that this is coming from here: http://www.moneysavingexpert.com/news/banking/2011/08/rbs-restricts-basic-account-holders-atm-use but I am still p***d off . Are there any other threads about it (sorry, looked but could not find it) so I could find out if I can appeal/protest etc?
  8. I am very sorry if this question has been asked before but the thread has grown so much I was not able to search through it all or maybe I have missed something. My husband parked in a courtyard without any "private land, no parking" signage- he has taken a photo thankfully. He was up very early that day and needed a break. He fell asleep in his cab and was woken up by the noise of the clamp being placed on his vehicle. He was visible in his cab- not somewhere at the back or laying across the seats. But no one asked him to move the van or tried to wake him up. He paid the release fee of £190 but now we are wondering if the clampers followed correct procedures (if such exist) with regards to clamping a car with an occupant clearly inside? I know we could have a recourse against them as there was no sign on the walls or anywhere about parking restriction, but could our case be stronger because of the fact that my husband was in the car when they clamped him? I would be grateful for any guidance.
  9. I am very sorry if this question has been asked before but the thread has grown so much I was not able to search through it all or maybe I have missed something. My husband parked in a courtyard without any "private land, no parking" signage- he has taken a photo thankfully. He was up very early that day and needed a break. He fell asleep in his cab and was woken up by the noise of the clamp being placed on his vehicle. He was visible in his cab- not somewhere at the back or laying across the seats. But no one asked him to move the van or tried to wake him up. He paid the release fee of £190 but now we are wondering if the clampers followed correct procedures (if such exist) with regards to clamping a car with an occupant clearly inside? I know we could have a recourse against them as there was no sign on the walls or anywhere about parking restriction, but could our case be stronger because of the fact that my husband was in the car when they clamped him? I would be grateful for any guidance.
  10. Right, my client's l/lord is in West London too but different initials and he rents out mainly to students. Thanks anyway.
  11. Lia, I am interested in your case because I have a client with a remarkably similar problem. I was wondering if we are talking here about the same landlord. Can you tell me which area of London was it, did landlord's name is the same as a very popular garden flower and are you a student?
  12. DMBM555000 - Debt and return pursuit: Tax credits Overpayments: Contents There have been new sections added to HM Revenue and Customs’ Debt Management and Banking Manual (DMBM555000) to cover recovery policy, including cases of: • domestic violence - HMRC can formally agree that each claimant repay 50 per cent and treat them as separately liable rather than jointly. • mental health issues – where confirmation is provided, any overpayment could be written off. • relationship breakdown - if a claimant pays 50 per cent of the debt, HMRC should not later attempt to recover the rest even if the other joint claimant cannot be found or refuses to pay. Exact details can be found at Debt and Return Pursuit: Contents
  13. As a result of complaints received by the Office of Fair Trading (OFT) for breaches of their Debt Collection Guidance, the debt collectors Mackenzie Hall have had ‘requirements’ placed upon them to improve their debt collection practices. Mackenzie Hall must not: • pursue a debt where it has been notified in writing that there is reasonable cause to believe that the debt is in dispute • pursue a debt where it has been notified in writing that the debt is statute barred. Failure to comply with a requirement could lead to a fine of up to £50,000 and/or possible revocation of Mackenzie Hall's consumer credit licence. A copy of the requirements, and a definition of what the OFT mean by ‘in dispute’ (which includes non-compliance with a s.77/78 request) can be downloaded from The Office of Fair Trading: OFT imposes requirements on Mackenzie Hall to improve handling of disputed debts If you come across any cases where Mackenzie Hall appear to be breaching these requirements please contact the OFT: enquiries@oft.gsi.gov.uk or Enquiries Office, Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London EC4Y 8JX
  14. Following an extensive investigation by the Office of Fair Trading, the OFT have now issued a 'Minded to Revoke' notice to Log Book Loans Limited and Nine Regions Limited, both of SW15 2NN. These companies can now make representations to the OFT and there is an appeal process, so it may be some months before we hear the final outcome.
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