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Found 39 results

  1. Bristol Council are in the doghouse for sending bailiffs and increasing a £1 debt for a mistake to £311 when Marstons called. Technically marstons did no wrong, they applied the correct fees. https://thebristolcable.org/2018/04/i-owed-1-bailiffs-and-the-council-forced-me-to-pay-311/
  2. With an unconfirmed report about an incident last week that led to a bailiff being hospitalised with serious injuries, the public need to be aware that it is a criminal offence under Paragraph 68 of Schedule 12 of the Tribunal, Courts and Enforcement Act 2007, to obstruct a bailiff/enforcement agent (link below). https://www.legislation.gov.uk/ukpga/2007/15/schedule/12/paragraph/68?view=plain Only a few days ago another person was convicted at trial in Nottingham of this offence. http://www.nottinghampost.com/news/nottingham-news/bailiff-handed-100-compensation-after-684830
  3. Well it seems like Provident are having issues. Being investigated for irresponsible lending and losing a lot of money on shares. http://www.dailymail.co.uk/news/article-4814606/800-000-families-face-crisis-sub-prime-loan-firm-tanks.html
  4. Hi Guys Just a quickie. How much (Average) would it cost a firm to receive a £1 standing order payment from me on a monthly basis?
  5. I have just moved house and let Scottish Power know as we have been customers for 13 years paying a direct debit monthly and never defaulting. Yesterday I had a text from the bank and looking at my accounts they have taken £1,452 out without any prior communication. When I rang them they said it was arrears which I did not have any idea about. I can't understand why I have not been contacted about this as it was so much as I would have paid more each month. I went to the bank and they have refunded me but obviously I have to sort it out. Surely more communication should have been given, they e-mailed me when they needed meter readings. Can anyone please comment on this. Thanks for any input.
  6. I have mentioned before on the forum of the dangers that debtors face when they visit popular 'social media' sites and apply to join 'closed groups' that claim to offer advice to anyone who has received a letter or a visit from a bailiff. These sites profess to help debtors. Don't be fooled. In the case of this particular thread, the social media site page in question has one aim only and that is to ensure that payment is never made to a bailiff. That is their overriding aim. Debtors joining these 'closed groups' wrongly believe that what they post remains a secret. It does not. Almost all bailiff companies, debt collection agencies, mobile phone providers and banks etc are members of these groups and can recognise the debtor immediately from the documentation frequently exhibited. Yesterday was one of the most serious examples of appalling bad advice from inexperienced members of the public that ultimately led to the debtors vehicle (worth £4,000) being taken by a High Court Enforcement Agent. The poor and inaccurate advice also led to the debt increasing by well over a £1,000.
  7. Hi, Need some advice. I sent Vanquis a DSAR request over 4 months ago. I enclosed a £10 cheque which was duly cashed however they failed to provide me with any of the reqested documents (CCA, Terms & Conditions, Default Notices, Deed of assignment etc) I received a 3 page letter consisting of a demand for a further £1 for CCA and a 2 page document consisting of an abreviated table of transactions (I believe this is supposed to constitute a statement) Can someone confirm to me whether the £10 paid for the sar superceeds the requirement for an additional £1 for the cca. My understanding was the £10 sar fee covers ALL docs & data. Thanks
  8. Hello and thank you in advance for any help you are able to offer. My complaint for mis-selling of a Principles Card in 1989 was upheld by Santander, but an offer of £1 has been made as they have no records prior to 23 July 1996. Does anyone have any advice about how I should proceed? Do I refer to FOS? I doubt I can obtain evidence from Nat West as I do recall payments were made by DD. I also recall I took out a loan in 1996 from M & S to repay this credit card, but I doubt that would be of any use. Advice needed - thank you.
  9. Halifax is imposing a fee of £1 a day from arranged overdrafts of £0.01 to £1,999 as from 1st Dec 2015. No interest rate is charged. So if one has an arranged overdraft of £100 and goes overdrawn by £0.10, a fee of £1 will be charged and by 100 days, this £0.10 becomes a unarranged overdraft for which a fee of £5.00 is faced. Is this imposing excessive charges or treating customers unfairly??
  10. In figures just released, it was found that NHS Trusts have run a deficit of £1 billion in just 3 months. The government have increased funding in the NHS, but not related to healthcare inflation or taking into account the increased numbers using the NHS. Hospitals are having to pay a fortune for agency Nurses, because they can't get enough. Within one NHS Trust in the London area, they have 1600 vacancies across different job roles. Yet the government have a policy from 2016 to remove from the UK foreign workers who have not reached £35k per year in 5 years of being here. This will include many non EU Nurses. Meanwhile government will fund HS2 at the cost of £40+ billion and Trident replacement at £100 billion. Surely time has come to prioritise spending on essential services and infrastructure. NHS, Housing, basic transport network, schools. I am not convinced of any long term plan and it is being made up as they go along. Has been the case with successive governments over a long period. The UK has a golden opportunity to use rising population through immigration and record low interest rates, to invest in the infrastructure the country needs. The IMF and leading economists have said that UK government should be investing for future prosperity. Instead the current government are relying on mostly foreign investment which will come at a price and profits will end up going abroad.
  11. I have a bill for circa £1.5K which is comprised of roaming charges whilst I was away in Italy. It is really odd, the bill includes for 9Gb between approximately of data downloaded between 12 and 2 in the morning. I am not even sure such speeds are feasible on a mobile data network. There is no way I downloaded this, I realise that it could have been an automatic update, but then I looked at the Mobile Data Usage on the Ipad the Current Period Roaming is 7.6Gb and that is everything from the 10 November 2013. The device is an Ipad. They have not taken the money yet, I know I can cancel the DD, but I do not want my credit rating shot to pieces by them and they hold all my business numbers so I do not want to be cut off. I have have used the Social Escalation Hub.
  12. Hi Received a statement from MKDP today for a statute Barred Debt. In June last year before the statue I sent a S77/78 request along with the £1.00 Postal Order clearly stating it was for the Fee incurred and not to be used for anything else. I didnt receive anything from my request. On their statement its gone down as payment received!!! The Debt was statute from Feb 2015 I thought this wasnt allowed??? Hadituptohere
  13. http://www.mirror.co.uk/news/every-little-helps-supermarket-giant-5461757
  14. Hello, this is my first ever post!!!! I am looking to clarify some information i have heard please if anyone can help. I got into and am still in a big financial mess due to long term ill health and not being able to work. I had 13 credit cards and 4 bank accounts that all defaulted about 2 years ago. They are with all the main institutions... Halifax, RBS, MBNA , Barclaycard, HSBC etc. I have standing orders set up paying them all £1 per month, as advised by the debt charities i spoke to. All have frozen interest and charges, and have not sold on the debt due to my ill health. This is what i want clarity on please: 1. After 6 years, I understand all info relating to those cards disappears from my CRA files, but what happens to any debt still left unpaid? Does this just get written off? Clearly at the rate of £1 per month, in 6 years, only £72 will have been paid off of each card! 2. is it a good idea to continue paying £1 per month for all this time? Thanks you all in advance.
  15. In 2017 the United Kingdom will introduce a brand new £1 coin – and The Royal Mint invites the nation to create the design it will carry. A fantastic opportunity for members of the public, professional artists and designers alike. Designing a United Kingdom coin is something that most people would never have thought possible. This is a chance to put your art onto the reverse (the ‘tails’ side) of what will be the United Kingdom’s newest coin, one of the most eagerly awaited coins in circulation. The winner will receive a £10,000 design fee. More importantly, they will have the pleasure and pride of seeing their design replicated on millions of coins that will be used by the people of the United Kingdom for years to come. The winner will also be invited to The Royal Mint to see their design transformed into actual United Kingdom coins. http://www.royalmint.com/newonepoundcoin
  16. http://www.bbc.co.uk/news/uk-politics-27132077
  17. Businessman blames mobile operator for failure of property empire A Greek businessman who lost a fortune during the country’s economic collapse is claiming £1.1bn in damages from Vodafone, after the telecoms giant pulled out of a retail franchise deal with him. Athanasios Papistas, whose partnerships also included a property management company with a scandal-hit group of entrepreneurial Orthodox monks, accuses the British mobile group of sabotaging his business empire. Mr Papistas has issued three writs seeking damages. The most recent and largest, for £900m, was served on Vittorio Colao, Vodafone’s chief executive, at the group’s headquarters in Paddington. At more than three times the size of the previous writs put together, the latest claim alleges that the failure of MTS, Mr Papistas’s Vodafone retail franchise, caused a “severe liquidity problem” for Papistas Group, which also included his property interests. They included a company jointly owned with the controversial Vatopedi Monastery, which is embroiled in a scandal over an allegedly corrupt land deal with the Greek government. More: http://www.telegraph.co.uk/finance/newsbysector/mediatechnologyandtelecoms/telecoms/10773751/Vodafone-sued-for-1.1bn-by-former-Greek-partner.html
  18. Struggling bank the Co-op will shut 50 bank branches to help cover a £1.5 billion capital black hole. Reports suggest 10 per cent of its overall workforce, could be axed with job cuts likely to come from its banking division as part of a radical overhaul of its whole business. The Co-op made no comment on the reports. In May, the bank had its credit rating downgraded to ‘junk’ status by credit ratings agency Moody’s and was forced to present a capital plan to the Bank of England after Moody’s suggested the bank may need funding help from other parts of the business. The Capital Action Plan included details of plans to sell its life and savings division to Royal London and the sale of its general insurance division. Mismanagement and the decision to buy Britannia Building Society was blamed for the problems that left the bank with a £1.5 billion hole in its balance sheet. The Bank of England is expected to approve the changes which will see the mutually-owned organisation give up ownership of the Co-op Bank. The final number of jobs to go was still being decided this weekend, according to Sky News, but it is expected to be well over 1,000 out of a total workforce of about 9,000 that work for the Co-op’s banking division, primarily in its corporate lending business as it refocuses lending to small business customers. The new deal would need the approval of 80 per cent of the shareholders and a vote is expected to take place before the end of the year. The Co-op Bank needs to attract new investment and ordinary investors are likely to be given a combination of bonds and income guarantees to secure future support.The Bank is being forced to list on the stock exchange for the first time and the two biggest institutional bondholders, two US hedge funds, are likely to emerge as the biggest shareholders when the bank’s shares appear on the stock exchange for the first time next year. The fact that the mutual will no longer be the majority owner of the Co-op Bank is likely to upset many of the Bank’s customers. This has resulted in the institutional bondholders being quick to praise the Co-op’s ethical stance and aims. One of the biggest corporate shareholders, LT2 said in a statement last week: "The Co-operative Bank is unique for its ethics, mission and heritage which are an essential component of the Bank’s differentiated approach. "It is important to us that the Bank will maintain its unique characteristics and ethos. "The Co-operative Group Ltd. will remain the Bank’s largest shareholder by far and the Bank will benefit by this connection to the Co-operative movement." Link: http://www.myfinances.co.uk/savings/2013/11/04/co-op-to-cut-10-of-banking-staff
  19. I am in nearly £5,000 worth of debt with 8 different collection agencies. Some of them being Lowell, Marlin, Quikcbridge BCW, Capquest. I honestly don't know where to turn to for advice, so I am hoping someone on here could help?!?! I have set up payment plans with a few of the companies but many of them keep hounding me to up the payment and even though I have sent them forms and proof or incoming and outgoing they wont let up. I have heard about asking them for my contract, can I do this? If so how ? What is the best course of action to take with them ?
  20. " Eight men have been arrested after a gang stole more than £1m from a high street bank by taking control of one of its computer systems. The money was stolen from a Barclays branch in Swiss Cottage, London, earlier this year, using a device known as a "keyboard, video and mouse" (KVM) switch. The hardware, which can be purchased online for as little as £10 and is the size of a small laptop computer, allowed the gang to transmit the contents of the computer's desktop and take control of the machine remotely. It is believed the device was installed by a man who pretended to be an IT engineer to gain access to the branch. Some £1.3m was withdrawn from accounts, although much of the money has since been recovered." http://uk.news.yahoo.com/arrests-1-3m-barclays-bank-theft-072554030.html#DATSVA3
  21. Thousands of customers passed on from building societies and banks to Axa Wealth were not warned of the risk of investing in Isa funds and investment bonds and are in line for full compensation from any losses. AXA Wealth, part of the global AXA Group, has been fined £1.8m by the Financial Conduct Authority (FCA) for failing to give suitable investment advice to customers passed on to it from banks and building societies. The regulator said 26,000 customers were wrongly advised in a range of investment products while Axa staff pocketed lucrative bonuses for making the sales. According to the FCA, customers were put into stocks and shares Isas, open-ended investment companies (Oeics) and investment bonds without AXA assessing their attitude to risk and losses. The customers were mainly nearing retirement and largely not experienced investors. But AXA failed to confirm how much risk its customers were prepared to take or explain the dangers in clear terms. The FCA said AXA sold around 37,000 products to 26,000 customers between 15 September 2010 and 30 April 2012 in branches of Clydesdale Bank, Yorkshire Bank and the West Bromwich Building Society. More: http://www.telegraph.co.uk/finance/personalfinance/investing/10306919/AXA-fined-1.8m-for-bad-advice-on-Isas.html
  22. http://www.bbc.co.uk/news/business-23791252
  23. The Advertising Standards Authority has banned a payday lender for sending text messages that encouraged people to borrow £1,000 for a night out. The Advertising Standards Authority has banned a payday lender for sending text messages that encouraged people to borrow £1,000 for a night out. It also rapped Akklaim Telecoms, which sent the message for customer First Financial, trading as FirstPayDayLoanUK, for making the messages seem like they were from a friend. The ASA received 13 complaints about messages that stated: "Hi Mate I'm still out in town, just got £1,000 in my account from these guys www.firstpaydayloanuk.co.uk". A second said: "Hi Mate hows u? I'm still out in town, just got £850 in my account from these guys www.firstpaydayloanuk.co.uk". Some of those complaining said the messages were unsolicited while others complained that it was irresponsible to try and promote a social life funded on payday loans. More: http://www.telegraph.co.uk/finance/personalfinance/borrowing/loans/10129741/Payday-loan-ad-banned-for-1000-night-out-offer.html
  24. Hi, I fired of a CCA request to Restons who were chasing me for a debt. I received a reply from Arrow (with my £1 postal order returned) with the following text: We thank you for your letter addressed to Restons Solicitors and passed for our attention as assignees of the debt. We acknowledge your request for documentation pursuant to the Consumer Credit Act 1974. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the originating creditor and will revert in due course. We confirm that all collection activity will be suspended pending provision of the documents. I have an earlier letter from Restons confirming the debt was assigned to Arrow in 2011 and I should have received a Notice of Assignment. To me, that means Arrow should be responsible for providing the CCA. Are they just trying to worm out of their responsibilities, or are they right? I figure I can't CCA HSBC as they no longer have control of the debt. Thanks, Kristian
  25. After just checking my credit file after a few years I've just noticed that Lloyds have done a few weird things. AFter getting my unfair charges paid back in 2007, they put a £1 (yes one pound) debt to my name and marked it as in default for the last few years? Can they do this? As far as I remember I dont seem to remember applying for a £1 loan or overdraft? Oddly enough, I havent had a bank account with them for over 6 years either :-/
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