Showing results for tags 'away'.
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https://www.ofgem.gov.uk/publications-and-updates/ofgem-secures-free-energy-npower-customers-late-resolution-ombudsman-decisions So it seems that not only does Npower dishonour it obligations to its customers but it also dishonours it obligations to the Energy Ombudsman as well. Let's hope that Npower's legal clerk- Kenneth Radley Davies is watching Thanks to Eversir for this heads-up -
I borrowed £11190 to purchase a car for £15000. Unfortunately after 9 months I missed 3 payments. Money barn demanded that the car be repossessed. I offered to fully pay all arrears but they refused. They now state the car is worth £6000 despite originally informing me that they valued the car at £11400 and after sale I would not owe them any further. They also have indicated I owe approximately £13600 on a loan that was originally £11190 In a nutshell they now want be to charge me a further approx. £7800 despite taking taking the car away. So they want £7800 to add to the £2700 I have already paid Total approx. £10500 and they take the car valued at £10000 + away???? I have asked them to take me to court and will report them to the FCA. IMHO This type of loan shark operation covering itself with a veil of being a reputable lender needs adjudication. IMHO stay far away from this company as possible
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An interesting read today as follows "As a landlord, agent or solicitor, if you have used a High Court Enforcement Officer who did not follow the proper process, you could find that you’re liable for a significant claim for damages. In recent years, there has been a large increase in the use of High Court Enforcement Officers (HCEO) to evict residential tenants, which is no great surprise, as HCEOs can frequently enforce far more quickly than a County Court Bailiff (CCB) can. How could the eviction be illegal? At present, HCEOs can only use a standard writ of possession to evict trespassers, i.e. “persons unknown” such as squatters. For an HCEO to evict a tenant who remains in a property after a possession date, they MUST obtain permission from the County Court under Section 42 of the County Court Act 1984 to transfer enforcement of the order for possession to the High Court. Without this permission, any writ of possession enforced is invalid and any action taken under it will be illegal. Are illegal evictions taking place? In the last 18 months the High Court enforcement sector has seen a quantity of small ‘franchise’ bailiff firms, many operating under the authority of a single authorised High Court Enforcement Officer. Some of these firms are offering guaranteed seven day evictions of residential tenants, which does not allow time to obtain court permission to transfer up. It is our understanding that some of these firms may be applying for the writ of possession, without having previously obtained permission from the County Court to transfer up the order for possession to the High Court for enforcement, perhaps because they are not aware of this legal requirement. If any of these firms are evicting tenants under a writ of possession but without court permission to transfer up, then those evictions will have been conducted illegally. Exposure to claims for damages Whilst it is understandable that every landlord wants possession of their property without the lengthy delays regularly quoted by the County Court Bailiffs, the potential cost implications for a landlord for incorrectly evicting a tenant can be huge - claims for damages might come from both the tenants, as well as the local authority that had to rehouse them in emergency accommodation. As well as claiming for considerable damages from the landlord, the tenant may also make a claim against the bailiff company that evicted them and the authorised HCEO personally. If you think you may be affected If you have used the services of one of these ‘franchise’ HCEO firms, it would be prudent to now demand to see the court order allowing the HCEO to undertake the eviction. Be advised that this is NOT the writ of possession, but is a separate standard court order. If the HCEO cannot produce this, you could be looking at a claim for damages landing on your doormat any day soon. It would also be prudent to ask the HCEO company for details of their insurers." Story from Scoop today here http://www.scoop.it/t/lacef-news Info in full from here http://thesheriffsoffice.com/articles/are-you-evicting-tenants-illegally -
I have lived at my property as a tenant for a little over a year. My landlord lives abroad, I rent through an agency and they left all their property here incl their TV so getting rid of it is not an option. I never got a TV licence for this property in the time I have lived here. Automatically generated letters threatening various actions have arrived. I am used to these as I never owned a TV in my life but previously I didn't need one either, so had nothing to worry about. However now that I do, I am worried. I live on the 1st floor in a block of flats and I personally know my ground floor neighbours who have been to my flat and would recall seeing a tv here. It would seem even though I have never spoken to one nor would I ever open the door to one, a TV licence person has been regularly coming to visit my property for the past few days. This has been around 7pm so a bit out of normal working hours ( I haven't a clue what normal working hours are for them!). I cannot think of another person who would cause such harassment so I am certain it must be them. However they have never during these visits left a note/letter to say they've been and will be coming again. I am pretty sure after declining to open the door to them today that they went knocking on other doors (which didn't open) and finally were talking to people downstairs. I asked my ground floor neighbours but they never told me a thing in regard to who it was (just stated it wasn't them knocking earlier when I was having a bath) and I have never discussed TV licence business with them. I am worried whether I can get away without paying for a licence if getting rid of this TV is not an option. Would a confirmation from my neighbours be enough for them to get a court order without talking to me? Would them obtaining my name through some other source also be enough proof of my identity? Would I if I were to as a last resource go on their website and sign up for a licence TODAY using my original details get in trouble even more because now they'd know who I am and would probably wonder why the property was unlicensed for the amount of time it was, so I could be prosecuted? Please help!
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Hi I'm posting on behalf of my boyfriend who is extremely mentally unwell at the minute and has been for some time now. Basically what has happened is for the past few weeks he has steadily been slipping into a state of severe depression with extreme OCD and paranoid/visual thoughts that have cumulated into him gambling huge amounts online. The other day he managed to go through his life savings in little under an hour to 2 hours. A total of nearly 20k. He had a breakdown and didn't know what he was doing, saying hours before it happened that he didn't want to live anymore and that everything means nothing etc. In the little time that I was unable to provide support when he was feeling this low, he went online and bet the money away in the casino. Now ordanarily I'd put this down to a huge mistake and a big lesson in life, but the fact that he's got a lifelong problem with severe mental illness, and was also not a huge betting person until he had this breakdown (been a member on the site for many years) I think that there should have been better controls in place to flag up something wasn't right with the betting pattern. Either with the bank or from the site. He has been on medication for quite a few years for his depression, and I think that it's sad that one breakdown and extremely bad episode has lead to him losing everything without warnings. I had to stop him from taking his own life the day before this happened and he was gambling then as well, then I had to stop him again after he lost everything as he said that he didn't want to feel like this anymore and be here. The amount of withdrawals and deposits in the period that he lost the amount are substantial. Depositing thousands at a time, withdrawing, redepositing, reversing etc etc. The bank didn't warn him or block the transactions in that period even though they were very put of character and also the site didn't attempt any contact or provide any warnings. Its a last ditch attempt as I know how ruthless the gambling industry is, and I for one am the first person to say that a 'a fool and his money are soon parted' but this is completley different. He wasn't in a fit state of mind and was wreckless and self destructive, essentially rock bottom. I am trying to find out if there is anyway whatsoever of obtaining SOME of the money back? He wasn't a responsible adult and didn't care what happened, I feel as though the transactions should have been stopped by the bank or even by the website as it was out of character. If there is anything that anyone could advise me to do to try and recoup some of the money lost then I'd be greatful. This is a genuine circumstance and he has a LONG history of problems dating back to when he was a child. An episode like this should not be allowed to ruin him financially under the circumstances, especially since there was no contact from the bank or betting site regarding very out of character betting patterns, withdrawals, deposits etc etc. Can someone please help as I'm trying my best to look after him at the moment and also sort this out to some extent. Thanks
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Hey guys, I've stalked the forum for a while and gathered various information but I'm having some trouble. As of next week I'll be moving away. Now it will take me over 30 minutes (free of traffic) to get to my gym, and again on the way home. I have a gym literally across the road from my new house. I politely emailed X4L to see if there was a way I could cancel my contract now that I would be moving. Apparently because I'm now 9.1 miles away I'm not eligible. I have to be 15 miles away. So despite me asking to appeal this and for contact details of her manager I've been told my claim won't even be looked at because of the distance. Now the 30 minutes is based on being in a car, I have to use public transport unless I get a lift, so I'm looking at 2 hours total travel time just to attend the gym, which is ludicrous. I know it's not their fault I've moved away, but it's also not mine. I'm not even in the same county. Is there anything I can do about this? I think I'm about 5 months in to a 12 month contract but the staff at the gym have no interest in my request. Help!
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I am not working due to disability, I get ESA and DLA plus a small pension. My wife works but only gets a low wage. For the last few years we've claimed Working Tax Credits (WTC) and sent HMRC all the required info, we've not held anything back or tried to hide anything. They do the maths and send us an award letter. As far as we're aware we've done all that's asked of us yet they have sent us overpayment letters every year. Anyway, we recently got a letter from Concentrix, on behalf of HMRC, asking us for pay slips, evidence of my self-employment (?) and so on. We sent them off, with a cover letter to complain about being told to send originals by post - we used special delivery and will never see that extra cost back! HMRC have told us they are stopping our WTC as they cannot determine that my wife works 30 hours. She is a home carer and changed company towards the end of last year. The sad nature of this line of work is that people go into hospital, or even die without any notice, which means the carer then loses out as the company they work for will not pay them for visits they don't do any more. It can take a while for them to gain a new client, or shuffle calls about, to give that carer more work. We had not realised what the backlash of this would be. It is not my wife's fault that her hours were sometimes cut back. You can't really blame the people she was caring for either. It is possible that some weeks she worked less than 30 hours without realising, but it was not deliberate. Obviously she's lost money through doing less hours, which made the WTC even more vital towards being able to pay the bills. Concentrix said they would send a fuller explanation and we would be able to ask for mandatory reconsideration, that was 3rd February, 4 weeks ago. We've heard nothing more from them. HMRC sent a letter to inform us the credits had stopped and they were claiming an overpayment. Concentrix also say they may be giving us a penalty charge. Can it get any worse ! Obviously we will appeal the decision as we feel it's not our fault. My wife may have to get a letter from her employer to explain any weeks she worked less than 30 hours. It is confusing anyway as she is paid in 4 week periods, not monthly. We are unsure if Concentrix have mis-calculated her pay and hours anyway. For example: a recent payslip shows she worked so many hours but also had a day off for which she was only given half a day holiday pay as she didn't have enough days available. Because of this her assumed hours averaged 29.75 over the 4 weeks. Has anyone else had this sort of action taken ? Is there anything we can do ?
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The DVLA appear to have taken my HGV license away from me. I am a type 2 diabetic and have to take insulin. There is supposed to be three stages, regarding getting your license back. The DVLA have only done two stages and taken my license away, without going to the third stage, where you see an independant consultant who specialises in diabetes. I have emailed the DVLA on several occasions, but just get told it is with a team of people and that it takes a long time to answer. I have been waiting for about 7 months overall and I have also been told that I can go to a Magistrates court. The only problem is that I am not sure what I am supposed to do in a Magistrates court. Has anyone been in this situation and possibly help me? Thanking you
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I did a SAR request on a firm who I had car finance with a few years ago. I have my account number but no other paperwork. I am pretty sure I paid PPI on it as I remember them saying "No PPI No loan" and being very very pushy. The firm is called Private and Commercial Finance, 39 Victoria Street, London, SW1H 0EU. On checking the Royal Mail website, my letter has been returned as gone away. On looking further into the internet it would seem that the address has been redeveloped and is up for let. Any advice on how to track them down?
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Hello My niece and her boyfriend had broke down in her car, so they push it off the road onto the kerb. She tried for 20 minutes to start the vehicle but it could not be started. I came back with them early next day with my vehicle transporter trailer, but the car had been towed and impounded by the council. I thought this was a matter for the police, to remove vehicles which are illegally or dangerously parked? Her's was parked safe by the way even though on the kerb. She put this to the council but they want her to pay fine then she gets her car. Also the council requested she prove it had broken down that night, but were unwilling to meet at car yard to be showed. How can this be proved if the council are not willing to come and see for theirself. Any advice welcome. Thanks -
ordered sofa and carpet on 8th November. Carpet was due to be fitted on 25th November. They rang us the day before to change the date to 27th. They don't say what time they'll be coming, have to be home all day (day off work in my case). Didn't arrive on 27th, no phone call of explanation or apology. Eventually rang on 29th to say coming Monday (1st December). 1st today, again not turned up, no explanation. Tried to ring the store and got no answer. WORST CUSTOMER SERVICE EVER EXPERIENCED. Finally showed up to fit on 19th December (3rd attempt) said can't fit it. First said it would take them more than an hour and they didn’t have time. Then it changed to more than 5 hours to fit carpet on stairs (10 steps) and landing. Refused to take it back because apparently the warehouse is closed at 2 O'clock in the afternoon. spoofed us out of £30 for delivery charge Also just dumped the carpet in the middle of our house so it is in the way.
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Hi I know I've done the wrong thing in moving home and not informing any of my creditors but I was just so ill and stressed. my husband and I lived in our home which was mortgaged with our 3 daughters. I work but my husband is on benefits (ESA SG, DLA MRC and LRM) We had a secured loan and charging order but due to my husbands illness and lack of money we decided to give up our home and rent. Our home was repossessed and we have moved but not informed any of the creditors. do I just wait for them to find me? Or do I contact them all to tell them my new address. I'm scared they will write to my employer and get an attachment of earnings. We are finally starting to feel happy again and are children are settling nicely but I'm worried this is all short lived. Can anyone offer me any advice on how to proceed. Many Thanks
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I'd be grateful if anyone could offer any advice on how to appeal. I was shocked to find my car had been towed. There was a signed posted which read 'No Loading' (as attached). It did not say 'No Parking'. But perhaps more confusing was that it gave a specific address of 'The whole Bay outside the side of number 54 Chetwynd Road'. I parked my car on Twisden Road - Chetwynd Road is the road around the corner. They are using 'The side of Number 54 Chetwynd Road' to indicate that this is the house at the end of the block on Chetwynd Road and would therefore have its side partition wall on Twisden Road. However, this is seriously confusing and when I'd seen the sign, it appeared to mean that you could not load at the side of 54 Chetwynd Road. I parked there as did two other unfortunate people who were also towed away. It was a completely wasted day as it took 7 hours to reclaim my car from the pound. I missed out on work and had to pay the council £265.00 just to get my car back which I can't really afford at the moment. Anyone who has been through this knows that you are treated as a criminal by Camden Council when trying to use your car even when you have made a genuine mistake. In this case I feel as if they are completely in the wrong and would be great to hear any advice from anyone who has taking them on. Many thanks! AP -
Last saturday my car was towed away by sussex policeduring operation venice at crawley town football club. My car was parked on a concrete strip accomodating around 9 cars beyond a bus stop to the side of a dual carriage way. Either side of this concrete is grass verges. There were 9 cars on the concrete and around 40 on the grass verges . There is a no stopping sign on the verge or footway . No mention of towing . I understand the verge to mean the grass areas and the footway to mean the pavement which is another 4 meters away from the road and verges. There was an announcement that all cars parked on the GRASS verges would be towed away if not moved in the football ground. When i returned my car was removed the remaining cars on the concrete were there and all had yellow police park away notices with an officers name but no date or time None of these cars had been issued PCN The cars on the grass verges were still there and did not have the police yellow notices. I was told i would have to wait until the Tuesday and pay storgae on top to recover my car as the tow away firm were closed for taking payments. I went directly to the yard and refused to leave until i recovered my car . Eventually they relented i paid cash for the tow away fee of £150 and paid no PCN there was also no yellow police aware sign. In short my car was simply removed. I want to appeal i believe there should have been a penalty charge notice and some visual evidence from the authorities for the offence in order to follow procedures. I have spoken with the seargant who is unable to provide this. There will be no written paper work sent to me by the police. My question is how do i put my appeal in writing , i can see if it were the council what i should do but it is unclear given it is the police. Many Thanks -
Hi everyone, my friend had an accident in his car. He lost control going round a roundabout and crashed into a lamppost. After checking his car he drove home and put his phone on charge as it was flat and fell to sleep as he was on his way back from visiting his mother. Next morning he was woken by the police at his door, when he went out his car was missing. The police said they thought it was stolen and dumped so took the car away. He lost his job because of not having his car. He asked why they thought it was stolen and they said they assumed it was because it was involved with an accident with a lamppost and wasn't at the house it was registered too. He is separated from his wife who is still living at the house in his name and he lives with friends. They also said he left the scene of an accident, to which his reply was no one else was involved and the car wasn't damaged enough to make it unroadworthy, and as this is the first time it had happened to him didn't realise he had to. Plus it happened outside the garage his friend works at and assumed it's on CCTV, which it was, that's how the police got his number. Accident aside, can the police take his car like that, then say he has to pay a hundred odd pounds and twenty pounds each day they have it? His wages were low and he couldn't. All this happened on the 23rd of December where he hasn't heard anything about it until two days ago when a summons to go to court and a charge of due care and attention is being charged against him, even though he said to the police on the 23rd of December he doesn't know why or how it happened? It's been four months now and it's come out of the blue? -
No money? No excuses! Following people on the sharp end of bad debt – and those whose job it is to get the money back. http://www.channel5.com/shows/cant-pay-well-take-it-away Channel 5 - April 8th - 9.00 pm -
Hi, Just got my decision from DWP and they will pay me 85.81 because they will be taking away 26.74 out of 112.55 Why are they doing this? the letter says it could be because of other: - social security benefits (well I`m in receipt of WTC and CHTC, I will have to stop WTC, and I`m getting HB - now it will cover all my rent as I`m unemployed). - earnings (I have no earnings coming in now) - savings over 6000 (at the time of making a claim I had about 2300 in bank accounts and 1500 at home) - other money coming in (there is nothing else coming in apart from benefits) did they made an error or did I missed something? is it worth appealing? how much should I be getting? are they taking into account money that used to come in to my account from the job I was doing? there was no money withdraws from my account in lump sums for several months so they can`t say I did hide the money somewhere. Please give me advice as I`m thinking about appealing their decision. thanks
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Hi all Well thought I would get back in touch after a long long break. Lots has happened but thought I would post what I have achieved in the last 6 months. Have to get another mortgage and from having over 20 defaults on my credit file back in 2008 I had 5 defaults remaining. So I got to work and here is the result: Default 1 - was issued in 2010, got it back dated to 2007 and it fell off late last year. Default 2- Issued in May 2008. Checked the date of the default notice to when they issued it and it took them 5 months not the 28 days as per the notice. Quick letter to them and they back dated it to Jan this year and has now fallen off file Default 3 - was issued in 2010, they could not produce the original default notice but insisted it was issued. Told them I will take them to Court and the judge would want to see the notice so either remove or show. They removed the default notice. Default 4, 5 - Again they could not find the original default noticed issued in 2008 so they removed. All clear apart from some wrong late payment info back in 2008. If this stops me getting a mortgage I am going to issue proceedings under the DPA and sue for damages. They can not justify in any way why they are reporting the info but been stubbon they will not remove. Luckily I have house insurance cover that hopefully will pay for the proceedings. The motto here is 10 -15 years ago banks had all the wrong paper work and did not keep records. Just ask to see the notices, if they can not produce grind them down. Good Luck HAK
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Im on mat leave and due to go back next May. I still regularly speak with people from work, however everytime I speak with someone it always comes back to the same subject. Whats going to happen when I go back to work. When I left in August they promoted someone to my job and in turn 4 people have been promoted to fill the spaces through promotions due to my leaving. However... they all are saying they have not been informed that its only for maternity cover and they will be returning to their other roles once I return. This is especially for the person who has taken over my job, he has made it plain and clear to me that he doesnt know whats going to happen once I go back as hes got his new contract and they cant take it off him and demote him when they didnt say it was only to cover me. So I just basically want to know if work are allowed to do this? Its going to make it very very awkward for me when I go back. -
Hi All, Quick question. I'm looking at a car from a dealer around 60 miles away. My question is, if it turns out to be fault and the cause of the fault means i cannot return the vehicle to them where do i stand? Does the dealer have to collect the vehicle? Would i have to have it recovered back to them? Would i have it repaired locally?
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I have a builder who has almost finished an extension on the back of my house. The only remaining task was to build a soak away which was included in the original quote. However, we both came to an agreement to remove the soak away from the quoted list of works as it was no longer required but the only problem was that this item was not explicitly priced in the quote so there is some dispute over how much should be deducted. The builder is adamant that the soak away will cost £500 and is not willing to accept other quotes from other builders. I still owe him some money so where do I stand on this? Am I in my rights to deduct from what I owe him the cost of what other builders would quote for a soak away?
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I traveled from Scotland to Wales to move my yacht back to Scotland to use it as accomodation to start a new job in Scotland because my house is too far away from the job but i was stuck in Wales in bad weather and carrying out storm damage repairs for a few weeks. The job centre had told me when i get to Wales to fill in an ES90 form and i could be able to claim money but after the form was faxed to Scotland they replied back saying my money was being cancelled for 4 weeks and never gave me a clear answer WHY. After 4 weeks in Wales the weather turned good but i had ran out of savings and had to leave my yacht in Wales and travel back to Scotland to SIGN ON to get my money restarted,THIS MENT I WAS PREVENTED FROM STARTING THE NEW JOB. The 4 weeks SANCTIONS have been extended to 8 weeks now. Now im being told i have to fill in a holiday form,CAN ANYONE TELL ME WHAT IM SUPPOSED TO DO to get money while im on the move back to Scotland? AN ES90 or A HOLIDAY FORM? The job centre staff are being very unproffessional and unconcerned about these serious questions and seem to want to plunge people into poverty and desperation and unemployment.
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Hi, I am looking for help and/or advice please! I was towed away in Camden, Sunday, April 7, 2013 at 16.35 a.m. I parked my car on a single yellow line in Prince of Wales Road at 15:50, in front of the car, which was already there. I checked for signs and couldn’t see any restrictions. Prince of Wales Road on this side did not have any signs. Only one I could see, was at the corner between Prince of Wales Road going right to Haverstock Hill, towards Belsize Park. This sign restricted parking on single yellow line on Saturday, between 9:30 am -1:30 pm. There was lot’s of parked cars on both sides of the Haverstock Hill road, and there was already one on Prince of Wales Road, so I accepted that the parking restriction for both roads was the same. PCN was issued at 16:02 and car was towed at 16:35. I returned back at 16:50, just to realise that car is not there. I called the Police, and then Camden Parking, just to find that my car was at Regis Road Car Pound. It cost me £265 to get car released. I am not local, and obviously I was not aware of notorious CA-F (NW) parking zone restrictions. I entered into zone from Camden. The entry sign was just after the Camden Lock bridge, at the entrance to Chalk Farm Road. From there, there was no any other sign, as I drove through Chalk Farm Road, Haverstock Hill Road and turned right to Prince of Wales Road, where I parked my car. Distance from the entrance to the parking was about 1.5 miles. My points: 1. Prince of Wales Road borders two different zones CA-F (NW) (banned for all days) and CA-L (Outer) zone (banned for Mo-Sat) 2. Restriction signs are not transparent, they are rather confusing. 3. Distance from the entry point into Zone to the place I parked, is far away for drivers to be able to read and remember the restrictions, escpeccially when you need to concentrate to Camden traffic and lights in front of you. 4. Why does a Council have to waste so much time and effort taking a car away when it is not causing an obstruction to the road that is four lines wide. They towed car half an hour after they issued the PCN? Can just PCN be enough as a punishment? Few days later I went to checked all Controll Zone signs. It looks that all of them are as they should be. Only, I could mention minor obstacles on the entry sign, as someone put some stickers on it, but noting else. I have 28 days to contest, starting on April 7, 2013. Please advise on best route of action. Please find attached detailed images. I would really appreciate anyone to take the time to view and advise. Many thanks, George -
I have just read the dreadfully sad news posted by BankFodder that Martin3030 passed away earlier today at just 54 years of age. I joined this site back in 2007 and have posted over 5,000 posts. Martin joined a year earlier and has made over 55,000 posts !!! As any regular on here will know, it takes a lot of time each day to respond to queries and from the number of posts made by Martin, it is clear that he DEDICATED most if not all of time to assisting people on this site. What a great person. I will certainly miss him. More here: http://www.consumeractiongroup.co.uk/forum/showthread.php?380870-Martin3030 RIP.
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