Showing results for tags 'month'.
-
3053548.thumb.jpg.6ea05a752ac6bbf38ae4e7be9676053a.jpg)
The following is from the BBC News today: http://www.dailymail.co.uk/news/article-4057088/Car-clampings-double-tax-discs-axed.html -
Hi, General advice needed. Last year a judgement was issued against me. I was not aware of the judgement taking place. I have no recollection of receiving notice although I cannot say that with any certainty. This is because I was in the midst of some pretty severe health problems which have required multiple operations and at the time the judgement was issued, I was on morphine for pain management and anti-depressants to treat my depression. I became aware of this a couple of months ago and began seeking advice on the steps open to me. It became clear the only thing I could do was to have the judement set aside. In my application I provided a letter from my GP, information on my condition and information on the medication that I was on. Is this likely to be enough? I contacted the court this morning and they said they'd be in touch in about three weeks with a date for a hearing. Will I definitely get a hearing? What are my chances of success and do you have any suggestions for how I approach it? Thanks, Wrighty
-
I recently received a Vanquis credit card, to help build up my credit, & also to help out during Christmas. My minimum payment was due today(28/11/16), I have already paid Vanquis twice. Once on the 10th of November & again on the 23rd of November. A refund of £28 was also paid on the 24th of November. I don't understand why they have tried to take money from my bank account, when I have already paid them twice in one month. I was told that I can make early payments, & I am aware that I have set up a direct debit for Vanquis. They have tried to take a DD of £20 from my bank account, which has now been returned, because I didn't have sufficient funds in my account. does this mean that it doesn't matter if I make a payment early to Vanquis & I will still be debited on the same date as every month? I thought I was doing them a favour too, & in the end they have charged me a fee for not paying them on the intended date! There's a flaw in the plan man!
-
I have a valuation tribunal upcoming, and I have received the following correspondence. The issue is that the council will not grant the 1st month discount because the previous occupiers used up this discount. As we are first time buyers and didn't actually move in till at least a month later I was hoping the 1st months council tax would be discounted 100%. However this is not the case. Is there anything that I can backup this case with as it's basically their legislation against what I think I should be entitled to. Issues in Dispute The dispute concerns the application of the 100% discount for one month for properties that are unoccupied and substantially unfurnished for the period 20 June 2016 to 20 July 2016. Decision Sought The decision we seek from the Tribunal is that the appeal is dismissed based on the reasons set out below. Reasons for Decision The Council Tax (Exempt Dwellings)(England) (Amendment) Order 2012 omitted the exemption Class C of the Council Tax (Exempt Dwellings) Order 1992, whereby properties that were both unoccupied and substantially unfurnished for a period not exceed six months were exempt from Council Tax. Billing Authorities were then able to prescribe classes of empty dwellings, and the level of discount applicable under Section 11 of the Local Government Finance Act 2012 referred to Section 11A of the Local Government Finance Act 1992 (appendix 10) North West Leicestershire District Council made the decision that for properties that were both unoccupied and substantially unfurnished, there would be a one month 100% discount from Council Tax from the date the property became such, after which there would be a 0% discount (appendix 11 & 12) The Council were notified by the previous owners that the property had become both unoccupied and substantially unfurnished more than a month prior to Mr Buyers purchase of the property. The previous owners contacted the Council as and when changes occurred, and there is no reason to disbelieve them. Furthermore, no evidence has been provided to dispute the information provided by them. In line with North West Leicestershire District Council’s local discount scheme, the property had been unoccupied and substantially unfurnished for more than a month prior to 20 June 2016, therefore no discount is applicable for the period 20 June 2016 to 20 July 2016. The Tribunal is asked to dismiss the appeal on the grounds set out above. -
Purchased from and on line market place , worn for less than a month . Complaint rejected by seller ( based in UK). suggested reconsider , silence .... -
Hi everyone, a friend of mine has an account they haven't been receiving statements until recently when the had online banking they used it for savings. They have just realised for the past 18 months JustFab have been taking £35 a month. Apparently when you purchase anything from this company they automatically sign you up for this £35 a month VIP credit rubbish. the original site looked like this it isn't very visible to be honest at all https://web.archive.org/web/20150130062703/http://www.justfab.co.uk/ https://web.archive.org/web/20150206014019/http://www.justfab.co.uk/how-justfab-works Here is a thread on another site http://forums.moneysavingexpert.com/showthread.php?t=4760544 This is how it looks now looks like they cleaned up their act its still only at the bottom of the page. http://www.justfab.co.uk/index.cfm It basically works like those old book clubs. They have contacted the bank and the bank instantly refunded 6 months. They tried to get the company to refund but they didn't return calls. Is it worth a small claims? Help would be appreciated
-
Hi there, Could someone please advise me. I'm in arrears for 3 months rent on a 12 month lease. I paid 12 months upfront for the first year and am late 3 months on the second year. I have received a letter from the landlords lawyer stating that if I don't pay the whole 12 months within 10 days that they will take further action. I did sign the lease for a further 12 months and am expecting payment from my employer which is late. This has caused my inability to pay the rent. How long do I have until I get evicted? Many thanks in advance..
-
Half of Britons have not made a will, leaving them with no control over what will happen to their assets after they die, new research from Will Aid has revealed. Over a third (35%) of those without a will have children aged under 18, meaning they have no legal say in who would look after their children if they died. While young people are the least likely to have written a will, 19% of those aged over 55 have also neglected to make one, the charity's research reveals. Read more: http://www.which.co.uk/news/2016/09/half-of-brits-dont-have-a-will-452123/ - Which? Will Aid runs for the month of November each year. http://www.willaid.org.uk/will-makers/find-solicitor-2016?postcode=IG8+0PN Free Wills month October 2016 Free Wills Month brings together a group of well-respected charities to offer members of the public aged 55 and over the opportunity to have their simple Wills written or updated free of charge by using participating solicitors in selected locations around England, Scotland and Wales. An up to date Will written by a solicitor ensures your wishes are respected. It also avoids difficult decisions and legal complications for your loved ones. Free Wills Month allows you to provide for family and friends and leave a gift to your chosen charities too. The next campaign is in October 2016 and you can register your interest now to be sent a reminder email on the day the campaign begins. http://freewillsmonth.org.uk/
-
Hi All, Apologies if this isn't the right place to post this but it was the most suitable heading I could find. In April 2012 I took out a £5000 loan from Amigo with a 60 month term, I know the interest rate is ridiculous and anyone would be stupid to actually use these people but I needed the money and at the time this was my only option. I worked out yesterday that I had 10 months left of the loan and around £2200 left in payments to make but when I checked the statement the balance was £3095 (before they add any interest on for the next 10 months). So I called them this morning to ask what happens to the £900ish that would be left, if they didn't add any more interest. The guy on the end of the phone kindly advised me that I have 20 payments left and I'd made 50 - so 70 payments for a 60 month loan... When I asked him to explain he said it was because of a couple of things: 1. they paid the loan out on the 16th April 2012 and the first payment was made on the 1st June 2012 (this was the date they advised me the first payment was due) 2. I've changed the payment date twice, first from the 1st of the month to the 22nd and later from the 22nd to the 28th. I haven't missed any payments, just extended the payment to 3 weeks later and then a further week. With point 1 he said the first payment should have been made within 30 days of the loan payout to 'protect the terms of the agreement' but as I pointed out to him, I didn't ask for this to be the first payment date - they told me that was when the first payment was due On point 2 he told me that changing the payment date would affect the total loan duration and therefore may cost more in interest - I get that - I moved the loan payment by 28 days so instead of the final payment being the 1st May 2017 it would now be 28th May 2017 These two things apparently add 10 months to the term of my loan at a cost of 217 a month (£2170 for a 28 day payment change) How can this be and what can I do about this? As far as I'm concerned I had a 60 month agreement with fixed payments and the interest rate was variable - how can they just add 10 months onto the agreement and force me into paying so much extra. As if the £8000 interest on the original £5000 wasn't bad enough Help me please -
Hi Guys Firstly i'd like to apologise for posting this here, i couldn't for the life of me figure out how to post i relevant thread. I'm at the start of a dispute with David Lloyd and would like some advise if possible. I joined the Birmingham club in July 2015 and paid for an annual membership in full when i joined. I decided in June this year that i couldn't afford to renew my membership and emailed the club to cancel on the 13th June (i think this was slightly shy of a full months notice by a couple of days). I waited about 3 weeks to get a reply from the club and when i did it said that my membership would be cancelled on 1st October! I wasn't aware at this point that i needed to give 3 months notice. I have emailed them a few times now to say that i'm not willing to pay anything further because i have already paid for a full 12 months and only used the facilities for 11 months of this time. To which i keep on being told that the notice period is 3 months so there is nothing they can do. I have received a few emails and phone calls now from David Lloyd to say that i currently owe £86. The problem is that i'm already on a debt management plan with StepChange so i really can't afford £86/month. Can anyone advise me what i should do about this before this goes to a debt collection agency? Thank you Katherine
-
Hi! I have used the break clause in my tenancy contract to terminate it. It required a 2 month notice period, which I gave and was accepted by the landlord's agency. This means that my tenancy agreement ends by the 25th of August. Nevertheless, my rental period usually runs from the 8th of each month. I have assumed that, if the tenancy contract ends by the 25th I would only have to pay from the 8th to the 25th but the letting agent is asking for a full month rent... He says the overpaid money will be returned and that they do this to protect them from tenants not leaving at the end of tenancy. Is this legal? Do I have any obligation to pay over the end of contract period? Is there any protection for the overpaid money? What happens if I only pay for the period of 8 to 25 of August? Any help would be much appreciated! Thanks! -
As I'm nearing to my last year of my loan. I just thought I take a closer look at my statement this month. OH MY WORD! I took out a £20k, 108 month secured loan on my property in Oct 2007. Up to now, I am up to date. From 2007-2011, on 4 occasions I made late payments. Some arranging from 4days-2 weeks late. From Feb-Dec 2012 I lost my job, and fell into arrears. But within that period, I managed to make 4 payments which covered 4 months. And because I was able to find a new job, in December I paid off the remaining arrears. Since then, I have never missed a payment and my account is up to date. on checking my statement, and balance. I was assuming my balance would be near the £3763.68 mark (12 x £313.64) as I have 12 months left. But to my astonishment and disgust. My balance is showing: Balance Outstanding: £7954.99 Repayment Administration Fee: £195 Total Redemption Figure: £8149.99 Cost & Charges: £1570 Buildings Insurance Charge: 959.18 I rang them up, and told them to send me the breakdown of charges and fees. They consist of: Building Insurance - £959.18 Building Insurance Block Policy Charge - £130 Dishourned Reciept Charge - £35 x 5 Letter - £30 x 5 Collections Telephone - £35 Monthly Charge Arrears - £42 x 13 Visit Costs - £100 Land Registry Priority Search Legal Charge - £6 Land Registry Office Copies - £4 x 2 (on the same date?!?!) Issue of Possession - £49 Online Issue Fee - £100 Court Preparation Fee - £57 Legal Costs - £162 Can someone please help me. Is this even legal? And what is this charge I have for Building Insurance/Block Policy Charge. Even if I minus all the fees/charges. The balance does not even add up to the 108 month loan agreement. Any help would be great and much appreciated. -
We brought a bed from a argos just over a year ago (was around £200 reduced) the warranty has ran out by less than one month, the metal frame of the bed that holds the mattress has snapped (well its like the welding has failed) and a bracket fell off on the other side at the opposite end Made a phone call was told we would be passed onto some else and they would be able to place or repair it we was then told its over a year so it won't be replaced or repaired (by the person we was passed onto), but if we get a independent review of it like you would a washer or freezer they might repair or replace it at there discretion. My question is are they within their rights to say that as its literally just over 1 year and how do you get a independent review of a bed? (leather sides with a metal flat frame for the bed and it lifts up) EDIT: a google search of "Bed with hydraulic hinge under storage" will show the bed -
I have a debt to EE which is in default and I've had for some time now. A month ago I wrote to EE with an offer of a full & final settlement which they say they couldn't accept but as an act of goodwill regarding my situation they would write off the outstanding balance. Just over a month later I receive a letter from Fredrickson International saying that their client has instructed them to collect the outstanding balance. I also notice that the balance they have on the letter is actually £45 higher than what was originally owed (no interest or charges were being added by EE - I can only assume that this is a charge that has been added on by Fredricksons. I have the letter from EE saying that the balance has been written off but would still remain on my Credit Report as a default. Do EE have the right to pass a debt on after sending a letter saying that the balance has been written off? Or are Fredrickson International trying their luck? I thought one less debt to maintain would allow me to focus on my priority creditors as I have a lot of debt and my business is dying off so very little income at the moment. Any advice regarding this situation would be greatly appreciated. -
After finding these forums and finding them very useful as I'm one of those stitched up by the dreaded David Lloyd 3 month cancellation term I'm hoping I can get some advice as to where to go next. I moved away from where I used to attend a David Lloyd club due to work and have attended once (that I can remember) in the past 2 years. Certainly no more than 5 times and these would have been when visiting parents back at the local club. So I gave my notice on 26th August via email so that I would only have to pay the next DD payment for September and be done with the place. The response was: My reply: Then the predictable response came: Therefore, after reading on here I sent this back: And the final email from the Manager at my "local" club that I have received: It is mentioned that they sent me an email to tell me my terms and conditions are changing. They sent me and email (EDIT: actually on the 10/12/2012 so this was before it was approved by the OFT) that links to this page: Can't post as I don't have a high enough post count Hardly a terms and conditions page, it's the standard Membership FAQ page. So I was about to draft a reply but thought I'd post it here now as I was doing so in the hope someone like slick would see it to digest the above before I post my response. I was going to state that I have given my notice as stated in the contract (that I thought applied to me) and it will apply from the 1st of the following month (September). I have paid the September payment but am now cancelling my DD as I don't consider the 3 month notice period to be fair and I wasn't aware of it. Appreciate any advice on the matter. It gets my back up someone trying to make you pay for something for 3 months when you can't even use it, 1 month is painful enough but I think it's fair to both parties. Cheers, TP
-
To cut a long story short, my car broke down 4 weeks ago. Took it to my local garage who, after 3 days, diagnosed burnt exhaust valves. This shoudl take less than a week to fix and put back together. However they still have the car, in bits, after making various excuses about things going wrong, the latest one today is they need to take the head back off and send it to a machineing shop for some more work, and I 'should' have it back early next week. This will be over a month since I first took it to them. I've completely lost confidence now in their ability to fix my car. Do I have any rights re; taking my car back in its current state, would I be liable for any repair/parts costs? Thanks for any help
-
Hello, I've been paying off Bailiffs monthly for unpaid council tax. I was late paying last month. I thought I'd paid off the last instalment this month and all was fine. That was until I got a call saying they'd been round again ~£350 charges for the late payment. This is obviously extremely frustrating, the council tax debt has been fully paid off, these charges are for nothing. I've phoned the agent and he's saying there's nothing he can do, he needs the money now and if he doesn't get it, he'll be round my mums house to remove her goods because the debt is registered there, he's saying he'll take what he wants because it'll be on her to prove that the stuff isn't mine. I don't have the money, he's saying he can't wait the 2/3 weeks til pay day and although it's a stupid reason, the reason I was late paying was because Chandlers got a new website and I couldn't find the payment line number, I was at work so couldn't spend too much time looking for it and didn't look again for a few days. Is there anything I can do here?? I've paid the debt off, how can they legitimately charge £350 for a late payment, it's insane!! -
I took out my brand new Vodafone contract on 22 November 2014. They ported my number from my old network (3 network) on 2 December. Since they ported my number on 2 December, a month ago now, I have been unable to receive calls or texts. I can make outbound calls and texts which displays as my newly ported number but I cannot receive inbound calls or texts. The number is unobtainable. I first reported this problem on 3 December and was promised a resolution within 48 hours. One month later, I have been promised a 48 hour resolution on 9 separate occasions. The 9th 48 hours has now expired and my phone is still not receiving incoming calls or texts. I have been promised resolutions from their contact centres, including their porting team and technical teams, a sales rep in my local store and by their web chat advisers. I have now been without service for 1 month and there is no sign of any resolution. Each time my 48 hours has expired I call again only to be told their system has been updated to show that the problem has been resolved. This incompetence is truly unacceptable as they only need to dial my number to see that it is still unobtainable and that they have not yet fixed my problem. I simply cannot understand how they would fiddle about a bit, think they have fixed my problem and then not bother to dial my number to test it. Surely that test comes within the first 10 mins of basic technical training. Also, nobody is willing to take ownership of my problem i.e. giving me regular updates despite my constant requests. Equally, their customer service advisers refuse to put me through to the complaints team by telling me that they don’t have a specific complaints team and they all just deal with complaints. So how do I escalate my problem? How do I get someone to take ownership of my problem? If I call again should I believe the 10th promise of a 48 hour resolution? -
No idea why? Just got a letter saying we were no longer entitled to Council Tax support. I got married in October, does this some how effect it? My wife works and gets 19k a year, I only receive DLA, Kinship allowance (both were disregarded in their calculations) and Child Benefit. My income is pretty much 0 in their eyes. Can anybody please help? -
Hi. I will try be short n sweet here. I was claiming JSA through 2015, I was away visiting family for 3 weeks in the summer, with this JSA I was also getting reduction for council tax. When I come back they placed me on the newer Universal Credit. OK not a problem. Now they did not tell me I had to apply for reduction on council tax as separate. So from October till March they are asking for £280, not bad you might say but I am only on £150 a month, as after I have paid £350 rent I have that left. I called them and explained that I thought it was automatically done with this revolutionary new system but they said 'I should have been aware of how the system works'........ Uhm no because you complicate the hell out of it so we don't understand it). So now I literally have no money to pay this £280 and they have sent a letter back saying they will not change their mind on their decision, they said I can appeal it but let's face it, the same people answer the letters and make the same baboon choices. So what do I do here? I don't need this right now, letters coming through doors, their pathetic threats of court action and all that rubbish. I am just getting by on £150 a month (£37 a week). Impossible. What do you think I should do? The women on the phone was a right toff nosed. What annoys me is that a local department store has just been liquidated, and the owners were let off with £180,000 in business rates, then 2 weeks later he opens up as with the same name but with a different parent company or something. What is going on with this work?? . -
Hi, I've been employed by my ftse 100 company for approximately 14 years. Our payslips are complex with overtime, benefits, car allowances etc but I noticed on a yearly statement I have received £600 last year. On further investigation of the payslips it appears I've been being paid a £50 allowance monthly for additional responsibility. About 1%ish of salary so I didn't notice a huge amount going into my account. I've informed my line manager that I am receiving this payment and to my mind shouldn't be as I've no idea what it is for. I assume he will discuss with the elusive HR team. I don't have any issue paying back over a long period. Are there any legal threats to my employment position? I can't see anything specific in my terms of employment? Thanks -
I was/is on SEETEC, but my doctor told them that I was travel sick, they've given me 3 sets of tablets to help me. I do 9-5 job search which is 5 days a week, Thursday and Friday I go to a city 45 minutes away via bus. They knew I was travel sick, but ignored the doctor's note, I wasn't well. On Monday I was ill and kept retching, I told the receptionist that I felt ill but had to wait for the manager. Well, she came back and told me I had to stay at tehe centre till 5pm, it was 12.30 and my stomach wa shurting and I felt sick. So I walked out and had a doctor's appt and he gave me the 7 day sick not which has ran out. Because I have now got the month long one I can sign off JSA and onto ESA.. I'll ring them on Monday, but I don't understand if I have to continue with the job search or ring SEETEC to tell them I won't be in. I will on Monday as they need a copy of my sick note. Can anyone help me? The doctor wrote down anxiety as cause for me being off sick. He also said this place is stressing me out and making me ill. I would gladly get myself a volunteering placement myself. -
Rather than face the humiliation of the DWP contacting my employer with a Direct Earnings Attachment, they accepted my proposal of £100 per month direct debit repayment plan. I have been paying this for 12 months and have never missed a payment. I have just received a letter asking me to call them as they want to consider an increase in my current payment plan. Can they pressure me with the threat of a DEA through my employer again if I refuse to agree to an increase? This debt is from 1997 and I know lots of people say it, but I know I was repaying this back then, I was called in to the social security office and new claim forms showing the deduction were completed. I was still on benefits when the overpayment came to light, and remained so until 2000. I have never been out of work since. Then 2014 and the Welfare Reform bill rolled out the DWP bully methods of collecting old debts. Guilty, with no access to records to prove your Innocence. Even letters from my local MP produced no way forward to dispute the alleged debt. There is nowhere to turn for help. Can anyone here help in answer my query: Can the DW force a Direct Earnings Attachment if I refuse to increase the direct debit of £100 per month that they already extract from me? -
Hi all, It seemed like a horror story. This year was the first time that the round paper disks were abolished, and I then replaced the still valid disk with our parking permit to save space on the windscreen, and thought that I will always receive a tax reminder anyway. However, I have not received one and I have been waiting for one to arrive. So did not really thought about it, until tonight out of interest I was searching my car's number plate to see where it was registered, and found that it was UNTAXED since July! I then immediately went to DVLA website, and tried to pay for the tax, without the reminder, but with the 11 digit serial number on my vehicle registration form. I was only able to pay for the tax from 1st Sep. And was told that DVLA may contact me about the missing periods. I truly cannot remember if I have renewed my tax, and from the DVLA information that I obviously have not paid!! I can swear that I have never received a reminder this time around. We moved house 1 year ago, but I have updated my address with DVLA right after I have moved. I will call DVLA the first thing tomorrow. I just hope they will allow me to pay back the two months of the tax, and I am happy to pay a fine too, as a lesson to my own negligence---should have checked the DVLA website to make sure a lot earlier. I heard some horror stories of over 1000 pounds fine, and points on licence. I can just pray that they will be lenient on me. The road tax for my car is 30 pounds a year. Do you know what will happen? Thank you very much. I am worried sick. -
Hi all, Yesterday I signed up for the £24.99 monthly option at a lifestyle fitness gym. I went on this membership type because I don't like the thought of contracts, and I wanted to try out the gym for only a few months. It states on the confirmation email I received, that its basically month to month, with a £25 joining fee. [ATTACH=CONFIG]59928[/ATTACH] I just want to clarify, if I was to cancel say, after 3 or so months, I could do this with 30 days notice for any given reason? I've heard some nasty things about gyms after I joined, and so I just wanted to double check. For the record, the option I am on stated NO CONTRACT in caps, so they should honour that right?? Thanks, also if anyone has had an experience with this membership package, I'd be interesting in hearing.
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS