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  1. after a little google and a browse around the forum I've seen alot of prople having the same issues with Harlands after trying to cancel gym membership! My situation is as follows I joined a gym (choices health club) september 2015 for a 12 month contract and then it went on to a rolling contract. I was working away monday to friday and the gym was near where i worked. I started a new job in sept 2017 (75 miles away from the gym I'd joined) I cancelled my DD on 13th september 2017, i rang up the gym to cancel my membership, I was told I'd have to call in to cancel, I explained I now live over an hour away and they emailed me a cancellation form. I got an email from Harlands 15th september regarding my cancellation of my DD and that if i didnt reinstate it by 25th september (my billing date) I would be charged a £25 administration fee. I didn't send off the gym cancellation letter. These are the t&cs on my cancellation letter, as I've already cancelled my DD I didn't want to sign this agreeing that If i cancelled my DD I would accept the 'irreversible adminstration charges' TERMS AND CONDITIONS OF CANCELLATION • You must abide by the cancellation notice period applicable to your membership contract • In the unlikely event of a dispute, it is the member’s responsibility to provide proof of cancellation • You must keep your copy of this cancellation and be able to produce it if requested to confirm your cancellation, if you are not offered a copy please request one • Do not cancel your direct debit until all payments have been made after the submission of this form, doing so could result in irreversible administration charges • You may not downgrade your membership within the cancellation period • You are able to withdraw your cancellation at any point during the cancellation period, we can accept this withdrawal verbally and once it has been accepted you must resubmit a cancellation form to cancel your membership I then received another email from HARLANDS dated 26th september referring to their letter dated 15th september I have not contacted them. As i have not reinstated my DD I know owe £25 adminstration fee £39.99 for bill dated 25th september £39.99 cancellation fee £104.98 Total owed If i do not contact them by 16th October I will incur a further £25 adminstration fee. Just looking for some advice on what to do next? As I haven't yet sent my cancellation form off i realise that my gym still recognises me as a member. I called the gym again yesterday 26th september stating that I had received another email from HARLANDS and asked if they had processed my cancellation form (I haven't sent one) I haven't used the gym since July 2017 My home address is still the same as when I joined the gym I can provide the wording of HARLANDS emails however from what i have read from other people s posts it seems like a default reply. Thanks in advance guys!
  2. About eighteen months ago my brother was admitted to a care home suffering from Parkinsons and dementia after it was deemed that he no longer had capacity. I was made an appointee by the council for the purpose of handling certain financial affairs of his...rent and council tax etc. Last week I was informed that my brother had passed away. Shortly after I received a phone call from a person in the council who explained that his doctor would have to issue a death certificate which I would then have to take to a registrars office to have his death officially recorded. All of the above is fairly straightforward, however I am my brother's only surviving relative, he was divorced over twenty years ago during the months leading up to his being admitted to the care home I took care of his credit card ( this was never in my possession it was always kept by him), each time I visited him I would do his shopping and buy whatever else he needed and pay for his dog's veterinary bills. After all the vets bills had been settled and his card had a zero balance I phoned the credit company and had the card suspended. I have since destroyed the card. My brother also had a ( current ) bank account with a little over £11,000. I had his debit card which I would use whenever he would ask me to take money out for him so that he had money to pay the gardener, the chiropodist or get his hair cut...little things like that. The only other time his card was used was when I took money out when he was in the care home, this was £700 paid into the care home's bank account to cover toiletries which they would buy for him, and also again hair cuts and chiropodist...pocket money. For the first seven months that he was at the home I would take out £100 each month, deposit it into my account and then transfer it into the care home's account, I have all the ATM receipts and bank records as proof. I withdrew no more after that as he was hardly using any cash. The problem that I now have is that my brother's body has been taken to the local hospital on Monday I will pick up the death certificate, go to the registrar's office and register his death. After that I will need to organize his funeral which I cannot afford, also the funeral director that transported my brother from the care home to the hospital will have to be paid. Now, I could pay with my brother's debit card as we both have the same surname and first initial, this would not pose a problem and as it is for my brother would not seem to be morally wrong, but what about the legality of it all. Also what of the balance of his account after the funeral. Some months before my brother went into the car home he asked me if I would take Power of Attorney, I refused, perhaps I was selfish but I felt awkward about it. Anyway that's history. The thing is, my brother's body is at the hospital, the funeral director needs to be paid and funeral arrangements have to be made. My gut instinct is to settle all of the above with his debit card but really I'm just winging it. Can anyone help me please.
  3. Hello all, Friend of mine asked if I can check something for him. Is his debt written off after 6 years? For example letter had arrived today from DCA and debt last payment he made was on 01 Jan 2012. That when he made last payment. Does DCA 'reset's almost 6 years period of time? Thank you!
  4. Hi everyone I'm hoping for some advice to resolve an ongoing issue with Vodafone. My next planned action is to write to Ofcom but I would appreciate any guidance as to the best approach. In short, I'm a former Vodafone customer, I recently discovered that they have trashed my credit rating without communicating with me. My attempts to resolve this have so far proved futile, despite contacting the Ombudsman. The background (and I'll try to keep this as brief as I can) is as follows. I had been a satisfied Vodafone personal customer under the same mobile number for approximately 20 years up until 2014. In June 2014 I made one VERY SIMPLE REQUEST - to be billed a business customer rather than a personal customer - to help with my company accounting. I was assured this would be an instant and seamless process. Immediately after this date countless things descended into chaos for months after, including: My number getting "lost" between different Vodafone platforms more than once (resulting in no service on multiple days) Call bars being placed on my account despite staff assurances that all account settings would be left the same (resulting in no service while abroad on work) Services being removed from my account without authorisation or communication (resulting in beneficial call packages being removed from my account even though the packages were available) Services being added to my account and charged to me without me requesting them or approving them Account details being mishandled multiple times, resulting in a range of inconveniences, from not having permission rights to speak to customer services about my own account(!), to receiving correspondence in a variety of erroneous name / company name / address formats… I even got the distinct impression I didn't actually exist either partially or completely in the Vodafone systems when I called to correct on multiple occasions Billing - perhaps most seriously, there were months when I received no bills and the online billing section showed no statements, yet money was being drawn from my account by Direct Debit each month Aside from the massive inconvenience of wasting hours of my life and work time over many months on the above and being given the run around and being let down by countless members of Vodafone staff (I have logged dates and names of many calls), the final straw came when I discovered I was being charged for unauthorised services when I was finally emailed three of the missing bills I'd been chasing for months. I'd given Vodafone numerous ultimatums to resolve outstanding issues and was given broken promises of resolutions each time. in January 2016 I ported my number out to another network and left Vodafone. Vodafone wrote to me in March giving me a Notice Of Default letter (I had stopped the Direct Debit they had been helping themselves to without billing me), claiming an outstanding balance of nearly £300 including charges for "cancellation prior to contract date". I replied with a detailed letter on all the above issues advising I was forced to leave due to the catalogue of disasters and erroneous billing, and that the unacceptable level of service and repeated failures to resolve amounted to breach of contract and that no cancellation charges were due. I requested a copy of all missing bills to I could calculate the erroneous charges taken from my account. My letter was acknowledged by Vodafone and a Case Reference given. That was the last I heard from Vodafone. I (rather naively) assumed they'd taken a look at the lengthy and detailed crime sheet against them and walked away from any attempt to claim early cancellation charges. And to be honest I was more than happy to get on with my life rather having wasted countless hours chasing them over recent months. The credit rating issue first came to my attention when applying to open new bank accounts for my business in August 2017. Needless to say I was furious to find out Vodafone had done this without any communication or justification. I was advised by the Ombudsman to send a final complaint email through the Vodafone website in an attempt to resolve which I duly did. Once again, no reply from Vodafone. My take on this is that Vodafone are acting in a completely unaccountable manner and have been vindictive in their placement of a bad credit mark against myself. Surely it's a basic legal requirement of a telecoms company to give statements to customers when taking Direct Debit amounts and to actually reply to customer complaints? I would love to throw the largest proverbial book in the direction of Vodafone for their conduct in the hope they clean up their act for other customers, and of course to clear my credit report ASAP. Any advice on the above would be greatly appreciated, thank you!
  5. Got a letter from Northampton Court on behalf of Harrow Council, demanding £195.00 for being in a bus lane on the 16/03/2015 at 11.28. I never received any letter from Harrow Council about this offence, the time indicated 11.28 is strange as the bus lane restrictions are 0700-10.00 and 16.00-19.00hr and this has always been the case since the restrictions were applied. The penalty charge notice gives the correct reg in the photo and you can clearly see the make of my car but vehicle make is stated as unknown. This is very strange, my question is how do I go about replying, I know I can state I did not receive the notice to owner to take it back to the first stage, nor appealing against the charge or receiving no reply to an appeal.. What do I do and why over two and half years to get this letter
  6. Hi, Looking for some help and advice, my partner has been off work for the last 6+ months with a long term illness (Mental Health). Her employer has now stopped paying her SSP. We have made a successful claim for PIP and also now receive tax credits. We haven't received an SSP1 form from her employer but are they required to send one or do we need to request one? Also how can I find out if she is entitled to anything else? Thanks in advance for your help with this, its just unfamiliar territory and need help and guidance. Have a good day
  7. my son is at college full time, i am 60 and on esa as i can not walk, i receive tax credits for my son , was told when he is 20 years old thats in a couple of months, i will stop getting tax credits for him, any one know if this is true, as we wont be able to survive on my £73 and he can not sign on as hes at college full time.
  8. 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!
  9. I had a seizure a couple of weeks ago, first one ever, and the hospital told me to speak to the DVLA, who told me I had to complete a declaration (FEP1 form) so they could assess my fitness to drive. According to the guidelines it could be a 6 month ban. However the form says "you must not drive if your doctor says you cannot drive". Neither my doctor or the consultant at the hospital will give me a decision - they say that's for the DVLA to decide. So, while the form is being processed etc - am I OK to drive, since no one has said I can't?
  10. I have been ill for 2.5 months, with stress and gastric/gallbladder issues I had my gallbladder removed 4 weeks ago. I am about to return to work. I get severe chest pains from stress still, and I am concerned how I am going to cope back at work my gallbladder operation has been successful. I get the odd twinge of pain on right side, but nothing like before. I feel like I am still on mend from this, but is going in right direction stress levels at work were high when I became ill. I fainted at work, had viral infection, had terrible GERD. thing is I have not had any official communication from HR about returning. Only brief conversation with my line manager about what day I would return. I feel low on energy at minute so forgive me if I have not given more detail, but I would like to hear from others who have been off sick, even if in part due to stress at work. How you were treated when you went back? Did stress levels reduce? Did you end up staying with employer? all advice welcome. I am not sure what I should say to my colleagues when I return this week. My line managers are out of the office this week. It is a large company I work for
  11. I really need some help with a problem I have. I was on a 4 day touring holidayicon last week in Scotland in my second hand motorhome which I only purchased around 4 months that I have been saving up for years to buy. On the second day in Scotland the service light came on. With only just purchasing it I wanted to get it seen to quickly I booked it into Arnold Clark, Falkirk Road Grangemouth. I told them exactly what type the motorhome was and they said it wasn't a problem they could sort it out for me the following day which was the Wednesday. I took it into them and waited from 10:30am until around 3:30pm then went to the service desk and asked how the service was doing. I was informed the service had been done but they were having an issue resetting the service light and they would have to take the motorhome to another garage up the road for the light to be turned off. I agreed to wait so they took the motorhome. Over an hour later I returned to the service desk again for another update. They said they still were having an issue turning the service light off and it must be a problem with my motorhomes body computer. they said they couldn't do it. I immediately called the dealership where I purchased the motorhome from in Lancashire and they said they could turn the light off for me if I bought it into them on the Saturday. I paid Arnold Clark for the service as I wanted to get away as by this time it was about 5pm and going dark because its winter and I was booked into a campsite in Edingburgh. I got into the motorhome and drove off. I got about half a mile down the road when I noticed that now not only was the service light illuminated but the airbag fault light was also illuminated all the time, which Arnold Clark hadn't mentioned anything about. I returned to Arnold Clark immediately. They initially denied all knowledge of the airbag light and said it must of been on when I brought the motorhome in as it was impossible for them to of caused it. after a lot of heated talk they finally ask me to return the following day so they could attempt to rectify the issue. However, knowing the garage in Lancashire could turn the lights off I didn't return the Arnold Clark the following day and instead had a days holiday driving around sight seeing, which is why I was in Scotland in the first place. Plus as Arnold Clark were unable to turn the light off on the service day, it was logical to assume they wouldn't be able to turn it off the next day either and I would waste another day of my 4 day holiday for nothing. The weather from Tuesday through to Friday was mostly terrible with torrential rain and high winds, plus I was smothered in a cold. on the Friday morning I decided to drive down to my parents house in Lancashire which was mid point on my way home to Hampshire and also only 10 miles from the garage in Lancashire where I bought the motorhome from. I arrived at my parents early on Friday, it was still raining and windy I decided to immediately take the motorhome into the dealership. However, on the way from my parents house to the dealership the motorhome started to make a strange engine noise. on arriving at the dealership I popped the bonnet with the service guy standing there. We found the oil filler cap was missing from the engine and the engine bay was coated and dripping with oil from the engine. The oil filler cap was found in the window screen wiper well above the engine. I had driven in excess of 600 miles with no oil filler cap in place and oil squirting all over the place. I was smothered in a cold and with the rain and wind I hadn't noticed or smelt anything wrong. I immediately called the Arnold Clark dealership to complain. The head service guy there spoke to me and informed me it was impossible for it to be their error has after servicing all vehicles are inspected by someone else prior to returning the vehicle to the customer. Yet from the point the motorhome was returned to me after the service, I had either been driving, cooking or sleeping in it until it being parked outside the front window of my parents house for 10 minutes before driving it down to the dealership and finding oil everywhere. Arnold Clark as informed me they will investigate the issue but they seriously doubt its anything to do with them. The investigation will take several days and I must not have the motorhome worked on by anyone else in that time. they expect me to stay at my parents house 250 miles away from home and miss work until they finish their investigation. The dealership in Lancashire has had a quick look at the engine and have found the turbo has been damaged due to lack of engine oil as it is now making a strange noise. Luckily though, they don't think there is any other damage to the engine, but they can't really tell properly without taking the engine apart. All they have done is fill the engine with new oil and made sure the oil filler cap is in its correct place and apart from being noisy it seems to run. From my initial conversation with Arnold Clark I know all they are going to do is fob me off saying its nothing to do with them I will be left with, at best, a damaged turbo that needs fixing, probably at my own expense I just think it is wrong and I am absolutely disgusted. I think Arnold Clark should own up to their error and I should be refunded the £224.96 for the service, the £61 something pence I have had to pay for the engine to be quickly inspected, refilled with oil and cleaned, plus whatever the cost of fixing the turbo and whatever else is wrong with the engine will be. Incidentally, The dealership in Lancashire turned sorted out the dashboard lights in no time. So what were Arnold Clark doing??
  12. I recently had issues with my gearbox which i had to take at a garage to get repaired, and the work was completed on the 1st March 2017. Now I will add the work was paid for by RAC Warranty for the amount of £1400. My receipt however doesn't breakdown the work that had taken place however just says gearbox and labor costs (At the time i remember he said it was only a small part that needed replacing). I didn't mind too much as the costs were getting picked up by RAC and trusted the garage. I have now got another issue with the gearbox however the garage don't want to take any responsibility for it and said it was 6 months warranty or 6000 miles, whatever comes first. I then asked what exactly was done to the gearbox to repair it (ie. a breakdown of the work) and they said we don't have that information anymore. RAC Warranty said they will not pay for the repair of the same part again so soon after it has been repaired. I feel this is not right. Where do I stand with this and how can I get this sorted out now as I am now unable to use my car and it's used for commuting. Please ask if you need anymore information. Thanks Aron
  13. 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
  14. Hi, First the details of the alleged 'offence'... 1 Date of the infringement - 01/07/2017 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 21/07/2017 (20 days after the 'event') 3 Date received - 23/07/2017 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] - Yes 5 Is there any photographic evidence of the event? - Yes, images of the vehicle entering and leaving the car park 6 Have you appealed? {y/n?] post up you appeal] Have you had a response? [Y/N?] post it up - No, thought I'd ask for advice here before doing anything. 7 Who is the parking company? - Parking Eye 8. Where exactly [carpark name and town] - Premier Inn, Deansgate Locks, Manchester For either option, does it say which appeals body they operate under. - The notice only mentions POPLA in respect to appeals but it says they are a member of BPA. My son and daughter-in-law used this car park and my son paid for a ticket for considerably longer than the time they actually parked for. He can't remember the exact period he paid for (and they've lost the ticket), but as they were going to an event they didn't expect to finish until after 10pm, he knows it was for considerably longer than the time they spent there. Having said that, the Parking Charge Notice/Invoice makes no mention of why the charge has been issued, we're just assuming it's for staying too long. Is it normal that the 'offence' isn't mentioned on these charge notices? If it is, how is someone meant to appeal or defend themselves against an unspecified transgression? I've read in other CAG posts that these notices must be received within 14 days of the alleged 'offence' (it's termed an 'event' on Parking Eye's invoice) - does that apply in this case as well because it turned up 22 days later and was issued 20 days after the event? I've attached a copy of the PCN as a file - can't seem to figure out how to add it as an image like others on here are doing, hope that's not a problem. Can anyone suggest the best course of action to take? Many thanks Parking-Lie.pdf
  15. I had a court decree for a credit card (approx £6000) I used for expenses in a business that went bust It did not get paid back in approx 2006, Just checked my credit files with all agencies and nothing showing up, must be more than 6 years ago. I get letters from a solicitor every few months asking for a payment or they will enforce the decree. I have never responded to any of them as I have no income, no assets and no means to pay, Over the last 6 years they have sent debt collectors/tracers to my home 4 times and all have been told the same thing re my circumstances and if they wish to bankrupt me then go ahead and do it. The question that I have is how long does a Scottish decree remain live and enforceable. If they could enforce it what can they do and what am I actually obliged to tell them. Many Thanks David From Hawick
  16. Concerning the issue of whether we are a casual worker or a an employee there is many criteria to consider for example the time we work for the employer, our skills, whether he employs us only in case of shortage or during peak time or he uses us in the normal running of our business...etc. However I would like to know if the conclusive evidence is not when the P45 has been issued because if it has been issued one year after the start of employment this means that we are now an employee. It is up to the employer to decide if he need us anymore or nor and as a consequence if he send us our P45 or not. If the employer decides because it is not convenient for him not to issue a P45 at the end of each project we could be consider as an employee There is also the issue of HMRC and in order the employer not to pay tax maybe a worker has to work only for a small period of time and not come back for a long time There is also the issue of the difference between temporary employee and a casual worker
  17. We booked a holiday with a well known travel agent in our region with monarch and were due to go early November. As a relative works for this company we received a little more discount. When Monarch collapsed we were told that we would have to pay again and could not receive a refund. After a lot of angry words we changed our holiday to the same hotel flying with another company and from a different airport and paid the full amount again. We were told we would have to wait for the caa claim form to arrive and then make a claim as we received the extra discount and it was company policy that a refund couldn't be given to 'staff bookings' although this is not stated in the company handbook. I would not have minded paying the difference between the original cost and the new cost but having spoken to others and reading of others who had the simple task of changing or getting a refund, I would like to know my rights in this case. My contract is with the travel agent who are just not bothered. Unfortunately I paid for the holiday on a debit card and have been unable to get a charge back through my bank. Any advice will be appreciated as I can not see why I have to wait to receive my money back when others didn't.
  18. WW2 fusilier's grave rededicated 74 years after his death READ MORE HERE : https://www.gov.uk/government/news/ww2-fusiliers-grave-rededicated-74-years-after-his-death
  19. Long story short. After years arguing with RBS I took my complaint to the Ombudsman. This was initially thrown out but I knew I was right so appealed and won. It's worth knowing that the Ombudsmans caseload is filtered by minions who know nothing about Financial Services and are clearly there just to deter people. the RBS had to refund charges, pay compensation etc the main issue led to other financial problems which led to court action which led to my credit rating being stuffed. The FOS say they have no jurisdiction over the Courts so I need to take independent legal action. Does anyone know of a solicitors who will pursue the banks? Thanks
  20. London attack: Fatalities after vehicle and stabbing incidents READ MORE HERE: http://www.bbc.co.uk/news/uk-40146916
  21. Hi all and thanks for the help in advance. I returned back to the UK 3 or 4 months ago after travelling. I was on a working holiday in Australia for 1 and a half years, then travelling Asia (not working at all) for another year. After returning my Dad fell ill and is disabled. Therefore he began claiming PiP etc. He needs help and I have been caring for him. I made a new claim for carers allowance over 8 weeks ago. (still waiting for an answer) I have just attempted to make a claim for universal credit and after answering a question about being in the country for the last 2 years the website informed me I am not eligible for universal credit. I assume this was because I have been travelling. I then researched into carer's allowance and it says you can't claim carer's allowance if you have not been in the country the at least 2 of the last 3 years. Does this mean I have no rights to any benefits in the UK? I am a UK citizen and have lived here all my life and intend to stay. I have literally no money and my Dad needs round the clock care. What do I do? We are both living of his benefits which is only fit for 1 person. Can I claim jobseekers if my Dads condition improves? Thanks
  22. Hello This is my first post here so I've tried not to witter on, but it's complicated. The situation is that I was evicted from my home last year when I couldn’t remortgage it after the interest-only mortgage expired. The circumstances don’t matter, I have no quarrel with that. My query relates to what came after. I had managed to dispose of a lot of stuff I didn’t want, but there was still a lot of stuff I did want, left in the property. I’m past retirement age, live alone, and am severely disabled: I cannot legally walk, I have severe spinal problems and a max award of DLA. Acenden have known this since the beginning of the proceedings. They refused me entry back into the house to deal with my property, despite my undertaking to comply with whatever conditions they imposed. They arranged for all my stuff to be packed up and moved into storage, and I’ve paid all the moving fees and a year’s storage costs. Because of my disabilities I was completely unable to inspect my property while it was in storage; even getting to the chosen storage facility was beyond me unless I had substantial help which wasn’t available. When I eventually unpacked everything in my new home, which has taken me the four months since I moved in, I’ve seen that the packaging was very poor, no attempt was made to protect any of my property, a box that had contained glassware and china was full of smashed and dangerous pieces of glass and porcelain; glazed pictures were simply stuffed into inadequate cardboard boxes, the frames mangled beyond recognition and the glass fronts all smashed. Other of my stuff had been so badly damaged as to be made useless and needed replacing (e.g. tumble drier), a long list of other stuff, including a valuable listed edition print and expensive camera kit, has been stolen. I’ve photographed everything that’s been damaged clearly showing the damage, and recording the very poor quality packaging and careless packing. Acenden also suggested to me that they could arrange disposal of stuff I didn’t want before the rest of my stuff was packed up, to which I agreed, provided a list, and their initiative and my agreement and identification of that property are evidenced by email exchanges. They didn’t follow through on the agreement, and I’ve spent removal and a year’s storage costs for their broken promise. Acenden took four months before they even put the house on the market. I have other complaints but my question here, is what is Acenden’s legal liability for the theft of and damage to my property that’s happened while it’s been in their custody. To say that the removers were negligent is an understatement, but I didn’t have a contract with them, Acenden did. I know I need to see a lawyer, but I’m just hoping to get a view here as the first appointment I can get is two weeks away. To say I’m very angry is putting it mildly. I’ve spoken to my insurers – fortunately I have contents insurance that will cover a claim provided I exhaust Acenden’s complaints procedures before I start that claim. Do Acenden have any liability to me for my loss, which amounts to over £10,000 on current replacement values? Thank you for any feedback. Gleneagle
  23. Hi guys, quick question here: I had an IVA from 2005-2010 and successfully finished it and it became statute barred in 2011. In 2013 I claimed PPI from one of the creditors, EGG and they took a chunk of the reward to settle the debt which was written off after the IVA was completed. I understand that they can do this as they were the original creditor and even though the debt is statue barred it still exists until it is cleared, it's just that they can't chase me for the balance anymore. we come to today and I have written out to all my past credit card & loan providers whom I had PPI policies with. One of them, Halifax, I had a number of consecutive loans (only the single final loan was defaulted on) and also a credit card. During the years of my IVA they sold all the debt to Max Recovery, which is normal. My question is this - If my PPI claim was successful, a nd as Halifax no longer owns the debt as they sold it to Max Recovery, can they offset any reward I get to the debt, considering they sold it and have now already had some, but perhaps not all of the money back when Max Recovery bought it off of them? Thanks in advance!
  24. hi sorry I'm not sure where best to post this. We have a remortgage going through with nationwide. During the application process we were asked if we needed transfer of equity and we said yes. It then told us we needed legal advice for this and do we want a quote from one of their solicitors and do we want a quote? We said yes and it brought back a quote of £255, asked us if we wished to accept and I said yes and proceeded with the application. I then got the application summary which states everything: Transfer of equity required? Yes Free legals taken? Yes Solicitor quote provided? Yes, £255 Quote accepted? Yes We then got the quote breakdown from LMS with nationwides logo at the top which included solicitor base cost, telegraphic transfer fee and disbursements totalling. £255 including VAT. But doesn't include transfer of equity. We were then allocated to gorvins solicitors by lms. We received the welcome pack with quote and request of payment for £535. This again didn't include the transfer of equity but had everything in the lms quote breakdown but each item more expensive and other fees such as scanning and file storage. I rang them to query it but they didn't know why the quotes differed but said transfer of equity would make it more expensive. I've been passed back and forth the 3 of them with promises someone will contact me but never does. Until I spoke with someone at nationwide last week who has chased them up for me but rather than reply to her they replied to me. Gorvins stated I'd been provided with an old quote due to a technical error and it is now more expensive but agreed with nationwide. I then spoke to lms who had a supervisor ring me back today and tell me the same thing and that they can only apologise and close the file for me if I don't want to go ahead at the price provided by Gorvins. They said all the firms they work with will be the same price as fees are fixed and they can only apologise and told me to contact nationwide as they were the ones who provided the first quote. I said it wasn't good enough because they've now delayed us 3 weeks without any work even being started on the remortgage and now I have to find a new solicitor. They also asked if the nationwide quote stated £255+fees as it would normally be quoted as base cost for the remortgage(£325)+fees and I confirmed it hadnt and said this was wrong as the additional £210 fees are compulsory for the basic remortgage even without transfer of equity so shouldn't be hidden. She then agreed to submit a formal complaint. I then contacted nationwide to complain to them about the initial quote to be told the initial quote is provided by LMS even though it's their website they work together and solicitor side of it is nothing to do with them and it's fairly new but they've been asked that all complaints go through to LMS's complaints department so they are aware of it and it's happened a few times with others but LMS will be dealing with it. What do I do now? Do they not have to honour the quote that was accepted and agreed? LMS didn't really seem interested and just kept telling me I could decline and find my own solicitor and didn't have to go through with theirs. Should I just go with my own to avoid any more delay or wait for the outcome of the complaint? I've found one for £435 including transfer of equity? Thanks.
  25. Today I got a message from Payment Protection Scotland about payment of PPI and to pay their invoice. I will start with how everything started. Back in March I had filled in a form about claiming PPI with them and heard nothing back. 2 weeks ago I got a call from the Bank Of Scotland's internal PPI team asking me about PPI, what credit cards I had with them, when I got them, was I miss sold it or did I know etc and the man said thanks for everything, I'll let you know in 4 weeks what decision has been made, he said if any payment of PPI is due because I only paid it for one year, he told me that over the phone I only paid PPI for one year then it would be paid into my account and if not a letter would follow explaining why not. I don't check my bank account everyday I had no idea about this payment. I called the Bank of Scotland and they confirmed that the payment was made by them into my account for the PPI I am owed but they can't comment on any agreement made between me any other party. they want me to pay over £90 in fees and I don't know what to do. I don't know if the man at the Bank of Scotland phoning me was to do with them or if it's just their own internal team making phone calls to customers. I don't know what to think or do.
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