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Found 372 results

  1. Recently I came across some old account numbers and decided to check if any might have had PPI on them and if I might be able to claim anything on them prior to the deadline next year. As I have no details other than the banks referance numbers I filled in the PPI Checker on the Halifax site where one of the account numbers was from. I few days passed and I got a text this morning from Halifax saying "Felix, Thank you for your PPI Complaint, We'll communicate with you via SMS during the course of your complaint" Now all I have done is check to see if I had PPI, I haven't made an actual complaint yet. Is this text just what they send out when they are checking if you even had PPI or does it look like they have found PPI on my old account and have auto opened a complaint? Also I have heard that Banks may phone you up to ask you questions about your claim. I have Dyspraxia and would feel more comfortable being able to read questions carefully and think about my answers and put them in writing. Would I be within my rights to request any questions be put in writing?
  2. Hello, looking for some advice please. I'll try and keep this as short and to the point as I can given the complex circumstances! I started a new job last month & my contract (that was advertised in the job description is 35hrs per week Monday to Friday.) But my line manager (not my 'overall' manager), who interviewed me for the job said at the time that occasionally there will be weekend work i.e. if there are small events on and I said to him verbally, that's fine. However, since I started just over one month and a half ago, I've currently worked three weekends (Saturdays - not consecutively) without kicking up a fuss and I've just been informed by my 'overall' manager, that I'll be working the next three weekends in a row (meaning 6 days a week!) She seems to just automatically put me and others on without even asking us or conversing, which I find annoying and out or order. To further add insult to injury, I've not been asked, but been told that I've to work an extra one hour next week (on top of next Saturday's 8hr shift) which means that will be 13hrs overtime in one week! I actually have things planned for the next three weekends she's asking me to work coincidentally. Important to note: I have not been given a copy of my contract despite asking when I first started for a copy, to which my immediate manager said "what do you want a copy of your contract for?" and I replied so that I know my legals rights etc. I'm sure this would possibly mention the overtime coverage (if any) but the only thing I have to go by is a copy of a staff handbook that mentions overtime but says 'refer to your contract of employment'. So, my question to everyone is, do you think I am within my rights to say no to all this overtime at weekends especially when I don't get any advanced notice of a weekend shift coming up? Sorry for the long message. Thanks
  3. I wanted to share my story. I had my eyes tested in February with the intention of getting some varifocals fro all day use as I am both long and short sighted. When I went to pick them up at Specsavers in Stratford Mall East London I found that I had to turn my head a lot for lateral view and the reading sight was too low in the lens so I was looking at my nose to focus. The shop tried to tell me that I needed to get used to them however it was too extreme especially as I paid for the elite or tailor made lenses which cost me a lot more. They said I should try them out so I did but it did not change and in fact I got sore eyes after a short time. I went on back to get a refund and get a cheap reading pair and was persuaded to by two pairs for reading and distance. They call you sir and madam and convince you that the care and give you a false sense of security but they will do anything to take your money and as much as is possible. I complained to LLoyd's bank Credit card to recover and from the start they were dismissive. Losing my telephone complaint. Delays in reply and not considering statement properly. I am now going to stop my credit card and bank account out or principle.
  4. A look into the future CALLER: Is this Gordon's Pizza? GOOGLE: No sir, it's Google Pizza. CALLER: I must have dialled a wrong number. Sorry. GOOGLE: No sir, Google bought Gordon’s Pizza last month. CALLER: OK. I would like to order a pizza. GOOGLE: Do you want your usual, sir? CALLER: My usual? You know me? GOOGLE: According to our caller ID data sheet, the last 12 times you called you ordered an extra-large pizza with three cheeses, sausage, pepperoni, mushrooms and meatballs on a thick crust. CALLER: OK! That’s what I want … GOOGLE: May I suggest that this time you order a pizza with ricotta, arugula, sun-dried tomatoes and olives on a whole wheat gluten-free thin crust? CALLER: What? I detest vegetable!. GOOGLE: Your cholesterol is not good, sir. CALLER: How the hell do you know! GOOGLE: Well, we cross-referenced your home phone number with your medical records. We have the result of your blood tests for the last 7 years. CALLER: Okay, but I do not want your rotten vegetable pizza! I already take medication for my cholesterol. GOOGLE: Excuse me sir, but you have not taken your medication regularly. According to our database, you only purchased a box of 30 cholesterol tablets once, at Drug RX Network, 4 months ago. CALLER: I bought more from another drugstore. GOOGLE: That doesn’t show on your credit card statement. CALLER: I paid in cash. GOOGLE: But you did not withdraw enough cash according to your bank statement. CALLER: I have other sources of cash. GOOGLE: That doesn’t show on your last tax return unless you bought them using an undeclared income source, which is against the law. CALLER: WHAT THE HELL!!! GOOGLE: I'm sorry, sir, we use such information only with the sole intention of helping you. CALLER: Enough already! I'm sick to death of Google, Facebook, Twitter, WhatsApp and all the others. I'm going to an island without internet, cable TV, where there is no cell phone service and no one to watch me or spy on me. GOOGLE: I understand sir, but you need to renew your passport first. It expired 6 weeks ago…
  5. Hi Guys 4 months ago I moved into my new home that already had a dish and aerial attached. I haven't had a TV for years so got out of the habit of watching TV (and I don't miss it!). I do have a laptop, ipad and mobile phone (laptop is used for business and ipad used to watch youtube sometimes and play music). I have received several letters from TV licensing and an officer visited last week but I wasn't in. The following day I received a letter (addressed to dear sir/madam) saying that an officer visited and that they will be proceeding to the final stages of their investigation. One of the options states "we can apply to court for a search warrant to gain access to your property". I ignored the previous letters as they weren't addressed to me and wasn't aware that I needed to respond. This last letter has made me quite angry so I want to know if they really have the power to obtain a search warrant to look for a TV? If this is true then I'm absolutely astounded that they have such powers for something so minor. This seems very draconian to me! Please move this post if I've posted it in the wrong place as I wasn't sure.
  6. Hi, I'm in a legal dispute with my wedding photographer/videographer and issued a court claim against him over a month ago claiming a specific settlement amount. He didn't deliver on his promise re: services, and we ended up with sub-standard wedding photos and terrible low-quality unedited footage as our wedding video (complete with raw sound from the day e.g. people walking around, chattering etc.) He then completely stopped communicating with us. After issuing the claim via MoneyClaim Online (to his business address), he sent an envelope back to the court with a note saying 'Gone away'. The court sent this back to me along with the claim form without any further instruction. I know he is actively operating at that address, and 'Gone away' doesn't mean the address is invalid, so don't know why they've sent it back to me. What should I do? Should I issue a warrant via MoneyClaim Online, or is there a better way? I'm so frustrated. I cannot let him get away with this, and am furious that he's simply brushing it off! Thanks.
  7. I have a bit of an awkward situation that I can't see anywhere else. I had amassed some debt and in November 2015. I contacted a debt charity at 4am by email and they locked into action immediately and helped me. By 14 December 2015 an IVA had been agreed between the financial company and creditors and now paying that without having missed any payments. However, in the November, whilst my IVA was being set up, I was advised to move my bank account from Santander as they would likely lock my account upon receiving this email IVA request notice. I moved my account in November 2015 to First Direct. The account they provided me with was a Credit Account with a £500 overdraft and I applied online with no prompt to read any T&C's that I can remember and no paperwork received with the exception of my bank card and it's pin. In the first couple of months I had planned with my financial advisor handling my IVA what debts to include. To help reduce the IVA amount, I used most of the £500 overdraft on the First Direct account to clear one of the debts and then I would work the overdraft down over time. Out of the blue, and with therefore no notice, I received a letter from First Direct in March 2016 stating that they would close my account because I was in an IVA and this breached their current account rules and that they would close it in May 2016, giving me 2 months notice. I rang First Direct immediately upon receiving the letter and was essentially told to pay back the overdraft before the account closed and that was my only choice. In May 2016 I rang First Direct again and explained I was still in IVA as they know so couldn't pay off my overdraft in one go like that and had planned to work it down over time that had now been taken away from me at their choice. I was told that they would send me a form once my account closes to complete to set up a repayment plan that would be affordable to me and take into consideration my IVA. This is where my problems began to escalate. I never received any form from First Direct. I emailed them to ask for it in June and July 2016. received responses stating they couldn't discuss my account unless I rung them, which I was suspicious about as surely they must contact on the method I request? I managed to go out of my way and visit a HSBC some miles away and ring them. They agreed to send me the form that they hadn't sent previously. I then waited some weeks and received no form again. Instead, some weeks later I received a letter with a debt collection agency header on it asking for £512 that I now owed. I replied by email, copying in First Direct, explaining that I was still awaiting the repayment form and then never received a response from First Direct nor the Debt Collection Agency. Some weeks later I again got a letter from the Debt Collection Agency, again replied by email copying in First Direct and attaching my previous email and again never got a reply. A couple of months later I then received a letter with a different Debt Collection Agency header. Again I replied with the same email, attaching previous emails and copying in First Direct, and again I received no reply from anyone. I then sent an email to First Direct a few times over the next few months asking for the form and kept getting the same response as before, that they cannot discuss my account. In mid April 2018 I received a letter from Cabot Financial asking for repayment of the £512 for the HSBC debt and that they had bought the debt in August 2017 but weirdly apologised for taking until now to write to me about it?! A day later I received a letter with HSBC header dated BEFORE the Cabot letter chasing repayment for £512 debt. a couple of days later I received another letter dated AFTER the Cabot letter from HSBC saying they had now sold the debt to Cabot and to now deal with Cabot on it. This all seemed very odd to receive these 3 letter within a few days, seemingly contradicting each other and confusing, one claiming Cabot had purchased the debt in August 2017 and one with HSBC dated before the Cabot letter asking me to repay them (and not Cabot). I have replied by email to Cabot and asked for no email or telephone contact and no visits to my home and that I would only correspond in writing and that I would write to them in time on this. I'm now in a position where I am looking for above on what to next. Any help would be much appreciated!
  8. Hi We started renting a beautiful home in December. We pay £1,800 a month for the house which is a hell of a lot of money. We have had a letter saying building works begin on a patch of land next to our garden next week and the foundations mean they will have to take down our fence and work in our garden! We both work from home which will be impossible with the noise. We also have a dog who will go berserk at the builders in the garden and she wont be able to go outside. We are absolutely gutted that our dream home has become such a nightmare and we will not be able to use the garden for over 2 months! Well, we can, but not privately! Any advice on if we can refuse to pay rent? or at least get a reduction? The landlord knew about this and did not tell us before we moved in. My other concern is that our garden will now be completely overlooked by the new house. Any advice please?
  9. Major crackdown on abuse of 'debt' judgement by rogue parking and utility firms is announced Ministers will pledge action on abuse of county court judgments by rogue firms Anyone who has had a CCJ without their knowledge will have it removed The Govt plans to immediately set aside all backdoor CCJs for those who can prove to a judge that they did not know about it when it was passed. http://www.dailymail.co.uk/news/article-5214075/Action-debt-judgement-rogue-firms-abuse-announced.html
  10. I have received a letter from Robinsonway asking for me to contact them about a debt, which would be over 20 years old. They have been texting me and sent me a letter and also called me wanting me to clear security with them before they would discuss the issue with them. Which it didn't as I advised that they could be anyone and asked them to clear security with me before I confirmed anything to them. They wouldn't, and just said the letters would just keep coming. I wanted to check if im right I believe there was a letter that you could send asking them to provide a signed copy of the credit agreement but I wanted to see if this is still valid and how to get it. Many Thanks in advance kev123456
  11. Hi. Wondered if someone could help with my ET please. I am doing this alone so any help would be very much appreciated. My complaint is quite long so Ill just keep the headlines. In reality I was made redundant due to a breakdown in work relationships. My notice of dismissal and paperwork shows I was dismissed because of redundancy. My role was still in existance and therefore my argument is that I could not have been made "redundant". I was given redundancy pay. I submitted my ET claim for unfair dissmissal. The organisation sent a load of gumpf back. Most of which doesn't seem relevent and I think is designed to confuse but they have put: "The reason for dismassal was redundancy which is a potebtially fair reason under section 98(2) of the employment rights act 1996. Without prejudice and as alternative to the above the claimant was dismissed for "some other substantial reason" which is potentially fair reason under section 98 (1)(b) of the employment rights act 1996". Can I just check that I have understood this please? Part 2 states they can dismiss me for: A. capability, B. conduct, C. redundancy or D. because of law/regulations And Part 1b says they can dismiss me for any of these reasons or for any other "substantial" reason. They stated they have dismissed me for 2c (redundancy). All my paperwork says 2c. They can't now say it was for another reason as per part1b can they? Surely then it would not have been redundancy and they would have put "dismissal due to break down in relationships" or sonething to that effect on my paperwork? I'm getting myself worked up that I'm missing something. As an aside, I may have to start using "without prejudice and as alternative to the above" as an argument! Also - they are not abiding by deadlines. We were meant to have exchanged our document list by last Thursday and I still haven't received theirs. Is there much I can do about that? Thank you.
  12. Public Health England urges vigilance about spotting signs of scarlet fever READ MORE HERE: https://www.gov.uk/government/news/public-health-england-urges-vigilance-about-spotting-signs-of-scarlet-fever
  13. Please help, First time I received my salary and my outgoings monthly payments are bigger than amount received. I have unsecured loans and pay day loans and this Month I won’t be able to pay 3 of them, I read all the 10 steps but I am still panicking, I have more payments than my salary and I need at least 3 Month to back to "normal" when my paY day loans will be paid in full but this Month and next one I have to stop some payments. Please help and let me know how to go the creditors and what I can ask TO HELP ME, WHAT should I tell them? Can I ask to freeze 2 Month instalments or just offer pay a little? Many thanks
  14. Review launched to respond to patient concerns about NHS treatments READ MORE HERE: https://www.gov.uk/government/news/review-launched-to-respond-to-patient-concerns-about-nhs-treatments
  15. Charity Commission calls for information about Presidents Club Charitable Trust READ MORE HERE: https://www.gov.uk/government/news/charity-commission-calls-for-information-about-presidents-club-charitable-trust
  16. Hi guys I'm new here & after advice, hope this is in the right place. My husband has quite a lot of debts, he was on a DMP with stepchange until the end of 2015 when he lost his job & put it on hold we moved house a month later & although I think he informed stepchange he didn't inform the creditors He's had a few letters here at the new address & has just recently got a ccj, sent admittance form, offer of £50 was rejected court decided the amount £78 per month, which he will pay, last night I checked his credit file with noddle & was shocked to see 2 active ccjs, one from October 2016 the other September last year, our old address is on them & we had no idea about them as the letters were obviously sent there, the creditors oddly on the page where it says the debts are defaulted states our new address though, one debt is £7500 Barclaycard originally & the other i think is originally Halifax for an overdraft of £4400. I'm worried sick & don't know what to do, it's bailiffs that are worrying me the most . Can anyone advise what we do next please Thanks in advance
  17. Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it has just stopped! We both had a job centre interview yesterday which is part of this ridiculous process and my husband has to go back yet again with business details. He only earns around £5000 per year , they basically want to see if it is worth him running his business, if he earns enough, if not they will make him look for other part time work - how on earth can he do that around a self employed business that is on demand (ie it depends when his customers want him!). This is all if we want to claim universal credit. So, i assume they will say he does not earn enough and will have to find other work....we do not want to do this so my question is, if he says no to looking for other work, will we just get no help....even with a new baby. Am i correct in thinking that £5000 per year approx will not meet their requirements? Just wanted a little bit of advice before we see them again. The whole new system is ridiculous, i have worked and paid tax all my life yet when we need a bit of help we have to fight for it, yet people who dont want to get a job, try their hardest NOT to get one, receive all the help there is out there!!! Any advice appreciated
  18. I recently had to install a hidden CCTV camera in the staff room, as various things including staff property was going missing. We have managed to catch the culprit, and presented with the evidence they handed in their notice. The trouble is, the other staff have obviously found out about the CCTV and are complaining about being filmed covertly, claiming right to privacy etc. I have responded that I was entitled to film them, as things were going missing, it is in their contracts that CCTV is in use and right to privacy only really applies to areas such as changing rooms etc. Although some staff use the staff room to get changed in, there is no requirement for them to do so, so therefore no right for them to expect privacy. What are others' opinions on this - have I done anything wrong, what can I say to the staff to placate them?
  19. I work as a security guard on a site for £7.50 per hour and I have been there for just over five months. I work alone on a permanent night pattern of four on four off, twelve hour shifts. There is only me on the site and when I am off the other guard works. My elderly mother is going in to hospital for an operation, and I need a week off to look after her when she comes out. I emailed my manager to explain this, when he emailed me back he said he needed a copy of my mothers hospital operation letter, so that it can be kept on file. Is it right that he can ask for this as it is my mother private letter? I sent a photocopy of the letter by email, but I am now wondering if this was an intrusion on my mothers privacy? I got an email soon after saying that he has granted those days off for me, but because I asked for that time off, another guard will be doing my shifts on that site for a month, and they were sending me to another site for the month. This site was an hour from my home, where as my normal site is only 15 minutes from my home. It is for eight hours instead of twelve and the pay is still £7.50. When the other guard had a week off I had to work all eight of their shifts and they were not moved to another site. I rang the manager and said this he said the site I work on is not my site and I work where I am told. I then said I am sorry but I will not be working that other site for low pay. He said he will discuss this with his team and get back to me. I haven't heard off him and will ring him after the weekend. This company have not provided me a contract to sign, if I decided to leave, do I legally need to provide any notice to stop my pay getting deducted? Will I be entitled for any unpaid leave if I resign? Every time I get my monthly pay, they short change me by the pence. if it says on my payslip £1000.89, I will get paid £1000.00 and not the 89. Is there anything I can do about this? I worked over Christmas and new years and I got no bonus, just £7.50 per hour, they did provide a box of chocolates and a bottle of wine, but that was it. I am not in a union and any advice would be appreciated, thank you.
  20. My partner has a CCJ against her which we found out about when applying for a mortgage recently. The CCJ was created by Vehicle Control Services Ltd. PCN at St Andrews Retail Park because she alledgedly parked incorrectly or for too long. We still don't know which. She changed address a month after the parking occurred in November 2014. She didn't receive a ticket at the time (in fact we think she was in her shop at the time of the 'incident' and not even in the St Andrews retail Car Park), she hasn't had any communication about being taken to court and she hasn't had any notification of losing the case either. We think all correspondence must have gone to her old address. The 'offence' occurred on a Monday at 4.19pm. Her shop is a mile away and doesn't close until at least 6pm. BW legal must have sent the forms to her old address and not bothered to check if the address was still valid even when they took her to court in September 2016. I'd be grateful to hear how to remove this CCJ without paying the £255 to contest it. Surely a person can't be issued with a CCJ without any written information whatsoever? That can't be legal can it? There was no parking ticket issued either.
  21. Hi, I've been reading through some of the previous threads with similar issues. I would appreciate some help with my particular problem if anyone can give me advice? I joined Fitspace gym on 29/06/2015 and the membership was 12.99 per month. In around January of 2016 I finally sought help with my debt problems and eventually got a DMP with stepchange. My bank overdraft was one of the debts included in this so my account was closed and the direct debit to Fitspace was cancelled. In June of 2016 I received a text message from Zinc saying I needed to contact them with no other details so I ignored it. Last month I had a similar text message from CRS and another today simply asking me to contact them. I had a search and realised they must be contacting me about my previous fitspace membership. I have had no written correspondence from them and I have not yet contacted them. I assume they have my current address as its the one I used when joining Fitspace. I'm not sure where to go from here? Should I write to them asking for them to contact me via letter? Any advice is much appreciated, thanks for any help!
  22. There is an interesting article in The Times Business section today about a possible debt bubble within the Debt Collection Agencies. Seems ironic! Search, using your favourite search engine, - The Times with "Questions are growing about a possible bubble in the debt industry" It claims financial experts are worried about the expansion of the debt purchasing industry is creating a bubble that will soon burst. They say that most of these 'toxic' debts have scant paperwork; time barred or belong to the poorest sections of our society. Therefore, they will find realising these potential assets will not work. That is they will have difficulty getting the money. Since these DCAs have borrowed heavily to purchase their port folios they will soon run into financial trouble. It goes on to say that these companies have become more aggressive ( and in a lot of cases illegal) in their activities to collect on these debts. They list some of the complaints inc. spitting in envelopes sent out to people. Yuck! Cabot, Lidorff, Intrum, Arrow, Hoist, Lowell are amongst some of the names mentioned as having unstable business models. Hedge fund managers are worried a lot of these companies will go bust. I wonder what will happen to all the debts purchased? sidley
  23. Hi, Sorry I don't know a whole lot about this but I have suddenly had three old debts pop up from different debt collection companies threatening me with further action etc. It seems to have happened as I made an inquiry with a PPI company a few months ago but didn't bother going any further and I am now wondering if that has opened me up to all of this. I think these three debts are statute barred as I have not made any contact whatsoever or made any payments or acknowledged the debts for at least 7 years, maybe longer but knowing how sly some of these companies can be, I wouldn't put it past them to fake an acknowledgement or some form of "contact" and so it worries me about emailing them or writing to them and stating that these are statute barred debts. I am worried that they may try to trick me. How can I prove that I have not made any contact for all of these years? They could easily just say oh yes you have...I don't understand. Can anyone please give me some advice on how I can stop these writing to me and making threats or maybe give me the best wording to put in an email? As saying "you can not enforce this is as it is statute barred" is in itself admitting to the debt I suppose. Also, there is no doubt it is at the very least 7 years since any contact was made. Many thanks.
  24. Hi all, first post here! thanks in advance for any advice. I'm going to be trading in my car for another used car. I have a private plate on my current car and want to transfer it to the one I'm buying. I see this can now be done online, but I'm confused about the 2nd part.. I'll take the number off my existing car using the online forms, and get a confirmation number that I can use to put it onto the other vehicle. But do I need to wait for the log book for the new vehicle to be posted off and come back in my name BEFORE i do the online process to put the number onto the next car? Or can I put the number onto the next car, entering the dealerships details into the online form. They then post off the log book with a change of ownership? Just worried about losing my number! Thanks
  25. Can anyone point me to where it says that HB will only get backdated 1 month? It seems as if all Local Authorities apply this rule, but I am finding it hard to locate the exact legislation permitting them to do so. I would be very grateful on behalf of one of my helpees.
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