Showing results for tags 'into'.
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Rent pressure zones READ MORE HERE: https://beta.gov.scot/policies/private-renting/rent-pressure-zones/ Please note this only affects 'Private Residential Tenancies' in Scotland Only Rent Pressure Zone Checker: https://www.mygov.scot/rent-pressure-zone-checker/ -
I had parked properly in a bay at surgery waiting room car park and was just about to go in when a car from almost opposite bay reversed out into centre ( apparently to make space to turn and exit) BUT they kept coming. I sounded my horn but nothing happened and then they came to a stop on my NS front wing/door junction. No driver in car obviously failed to set handbrake. My damage is very slight, will probably polish out ( fairly old car anyway) I took photographs and went for appt. Made enquiries in waiting room, no takers. Had appointment, about 30 minutes and still the other car resting against mine, so with assistance pushed it clear and left my details. Should I inform my insurers? They are such that I feel it will open up the usual can of inefficiency, stupidity and it was my fault for being parked in a bay etc. I would estimate cost of my repair to be say £20 can of paint and a couple of hours rubbing down etc. I have no details of the 3rd party an they have, as yet not contacted me
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Hi all, situation is as follows: Moved to a new property in Oct 2016 and got virgin installed on the 4th for 9 months on a student contract billed at £34.00 and had nothing but problems with them from the get go. First of all, they didn't even send the router to the correct house as it should've turned up on Saturday the 1st when I moved in. Secondly in February time I phoned them up to tell I wanted the payments to be taken from another account (let's call it account B) which was a joint account with my partner as it was originally on my own account (Account A). After speaking with them they said everything was fine and the payment was swapped over. I then ceased using my own personal account and went on holiday for 2 months (Mid feb - mid April). When I got home I found at that they hadn't swapped the payments over and they were still billing my account A. Because I hadn't anticipated this and was purely using account B for everything now I didn't have enough money in account A to cover the bills so it forced me into an over draft which I then incurred fees for. I got on the phone straight away in mid april time to report the problem and kick off I spoke to a manager who said that they hadn't logged the February call so had no evidence of me ever phoning them up to request a change. I was shocked by this level of service and asked to speak to another manager who I was told could help me. I was told this manager would phone me back in 2 hours’ time, but then 2 or 3 days had passed and I still hadn't got a call back. By this time, I was raging and when I explained to the new manager on the call back he apologised and explained that he couldn't give me any money back to cover the over draft fees but as an apology he could reduce the monthly price of my bill from £34.00 to £32 a month and bump my speeds up to 100mb from 50mb. He said he would do this as a good will gesture, and said he would amend the student contract to reflect these changes and that I didn't have to worry about it. It is important to mention that I didn't receive any paperwork from Virgin about this change which I thought was strange, but I checked my internet speed and it had gone up to 100mb so I know the manager had made the changes. It is now July time and my original student contract for 9 months should've ended, I have just phoned up Virgin to see why they haven't contacted me about a contract renewal and the advisor said the manager has entered me into a new contract when I called up to complain in April. They're now saying my contract doesn't run out until April 2018, and we are planning to move to another property in September 2017! The advisor on the phone said there is nothing she could do, and she has organised for a manager to give me a call back in 2 hours’ time (but I’m not hopeful this will ever happen) This whole thing has been an absolute nightmare from the start and is even a nightmare now I'm trying to finish it. Has anyone got any advice for me? Thanks in advance Josh -
Letting Agents Registration and Code of Practice Comes into force 31st January 2018 ***Scotland Only*** The Housing (Scotland) Act 2014 made provisions for the mandatory letting agent registration, regulation and training requirements in Scotland. Housing (Scotland) Act 2014: http://www.legislation.gov.uk/asp/2014/14/contents/enacted Part 4 of the Housing (Scotland) Act 2014 makes provision for the registration, regulation and training requirements for letting agents in Scotland. They include a mandatory register of letting agents, a ‘fit and proper’ person test, training requirements, a code of practice to which all letting agents must adhere and enforcement through the new First-Tier Tribunal. The Letting Agent Registration (Scotland) Regulations 2016 sets out the training requirements that those applying to join the register of letting agents must meet and additional information required for registration. This was laid before the Scottish Parliament on 22nd December 2016 and comes into force 31st January 2018. The Letting Agent Registration (Scotland) Regulations 2016: http://www.legislation.gov.uk/ssi/2016/432/introduction/made Letting Agent Registration Guide: https://www.mygov.scot/letting-agent-registration/who-needs-to-register/ The Register of Letting Agents will be a list run by Scottish Ministers that will make sure every letting agent is suitable to do the job and has met minimum training requirements. --legal obligations relating to letting agency work and the rights and responsibilities of tenants and landlords --handling of tenants’ and landlords’ money --arranging and managing a tenancy --managing repairs and maintenance --customer communications --complaints handling --equality issues The Letting Agent Code of Practice (Scotland) Regulations 2016 were laid before the Scottish Parliament and will come into force on 31st January 2018. The Letting Agent Code of Practice (Scotland) Regulations 2016: http://www.legislation.gov.uk/sdsi/2016/9780111030912 Those engaged in letting agency work must also comply with the Letting Agent Code of Practice. The Code of Practice is set out in The Letting Agent Code of Practice (Scotland) Regulations 2016 and contains general duties including: --complying with relevant legislation --providing accurate information --applying procedures consistently and reasonably --dealing with complaints --ensuring compliance by employees and subcontractors --handling private information sensitively --not to unlawfully discriminate --carrying out services in a timely fashion and with due skill and care Housing and Property Chamber First-tier Tribunal for Scotland: https://www.housingandpropertychamber.scot/
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Hi all, I'll be brief. We moved into a new property a couple of months ago (we're renting), and the agency supplied to the EOn our gas and leccy meter readings. Last week we received the first bill with the estimate consumption and, we thought, it looked reasonable. We then checked the meter reading ourselves for the first time and... SHOCK! The meter reads 27***, while the starting reading (two months ago, bear in mind), shows 21***. From where the meter is placed, it's pretty hard to read the little digits displayed, and we think that the second digit (the "7") got read as a "1"... if you look at a digital display from the top at an angle it's pretty easy to confuse a 7 for a 1. Try it Anyway, looking at the previous estimate AND knowing that the property has used 27*** kWh of electricity in 7 years (when the meter was replaced and zeroed - there's a label on it), suggesting that on average it should not consume more than 3800 kWh PER YEAR, this seems to be a meter reading mistake through and through. My question for you all is... what are we supposed to do? We certainly don't want to pay 1200£ of leccy for a reading error! Thanks a lot Paolo -
Hello, I went 29p into my unplanned overdraft in the early hours of Wednesday morning. I got money in this morning and the 29p was taken out. I am wondering if Halifax will charge me for 3/4 days worth of unplanned overdraft fees?
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Apologies in advance if this is a dumb question. I worked for a company from approximately May/June 1990 to around March 1992, during which time I had contributions into their pension scheme deducted from my pay. I've just reached 65 and am now receiving my state pension and idly wondered what happened to those contributions, whether it would be possible to get those back, or if I could now legitimately claim a pension (however tiny) from that company? Or is it the case that I've effectively kissed that money goodbye? Any assistance or pointers in the right direction would be gratefully received. -
https://cdn.ampproject.org/c/www.bbc.co.uk/news/amp/38688757
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Hello all, I normally just look at these sites but after seeing the helpful replies I thought why not. In Nov 2014 I had missed two payments on a card, and I was aware by this time that hiding did no good, I called Capital One to explain I was starting a new job and it would be maybe 1-2 months until I could get the balance back within it limit (which I did). I was then sitting on £227.57 on a £200 limit due to charges and interest. The advisor said sure, we can setup a payment plan, but no mention of the different types. I got an expenditure form and filled it in. On the form there were two options longer and shorter (max six months) in section 8. The £10 per month I agreed to pay was double the interest on the account if within it's balance (I think 28%) I thought well, they are giving me the option I will take the longer one, not realizing it had consequences. Oh boy what a mistake. This option defaulted the account immediately. I never received the letter they said they sent about stating this so it went untoticed until around a few months ago when I did a credit check. I contacted the financial Ombudsman who said they decided in the companies favour. I have since replied stating a few facts they got wrong and are now reassessing. The thing I feel is wrong that nowhere on the form I filled in explains the two options or their consequences. I had a look on the consumer report and wondered if it applied? I had a look on the consumer act and seen the below which I don't feel applied to the agreement form I filled out. 55Disclosure of information. (1)Regulations may require specified information to be disclosed in the prescribed manner to the debtor or hirer before a regulated agreement is made. [F155APre-contractual explanations etc Before a regulated consumer credit agreement, other than an excluded agreement, is made, the creditor must— (a)provide the debtor with an adequate explanation of the matters referred to in subsection (2) in order to place him in a position enabling him to assess whether the agreement is adapted to his needs and his financial situation, (2)The matters referred to in subsection (1)(a) are— ©the features of the agreement which may operate in a manner which would have a significant adverse effect on the debtor in a way which the debtor is unlikely to foresee, Any advice? I seen a post somewhere else that said anything detailing to time and action should be more profound in size/bold/undlerlined. In the defult letter, i never got its all the same size. I think they also kept the older higher amount on the default notice. za1.pdf za2.pdf
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The old paper £5 is being replaced with a plastic note on September 13. The new note will be phased in so that by May 2017 it will have replaced the old fiver altogether – shops will then stop accepting paper £5 notes as legal tender. The Bank of England claims the new plastic pounds are: Resistant to dirt and moisture so stay cleaner for longer than paper banknotes More secure so will provide enhanced counterfeit resilience More durable so will increase the quality of banknotes in circulation Read more: http://www.thisismoney.co.uk/money/news/article-3761394/As-Royal-Mint-goes-plastic-early-banknotes-set-rise-fiver-s-new-flexible-friend.html#ixzz4IilD7DHL -
purchased a new phone from car phone warehouse 3 weeks ago. paid cash for the product. last tuesday the charger burst into flames . no one was present in the house so no injuries occured . bedroom suffered smoke damage to the walls celings also most items in the room not recoverable. bedroom unable to be used. i have not claimed on my insurance due to the fact i have no contents only buildings the bit i have to pay is about £1400 of the claim i can imagine the cost of cleaning and redecoration and replacement of the carpet will be about £2k. beds and wardrobes and tv not covered on buildings insurance i will add a fire investigation has confirmed the cause of the fire was the phone charger. carphone warehouse showed no real interest trying to resolve this matter with microsoft who own nokia. problem i face who do i claim against how long should i wait before i clear the room out what does my claim come under the law that covers this mess. i have three people in 1 bedroom so this can no longer continue so must move this along perhaps help advice guidence would help please -
http://www.bbc.co.uk/news/world-us-canada-38164590 I probably would have ... But I hope I would have had the kokum to pull my hoody up... -
Found this on the Mail where people are being hit with default CCJ even for a penny they know nothing about until the bailiff knocks or they are refused credit. It seems Crapita AKA parking Eye are getting default CCJ on alleged debts of a penny, as in o 0.01p. http://www.dailymail.co.uk/news/article-3784421/Stranger-s-40-parking-ticket-cost-family-new-home.html -
As the title says, here goes. First a little background. I've recently started my own business and opened up my own shop. I'm quite young to have done such a thing but I felt the time was right. I'd had the premises for a month and was waiting for a letter from whoever supplied the previous tenants electricity, so I could look into energy contracts etc. which never arrived (which only made me anxious anyway). Fast forward to a couple of days ago, on the day before the shop opening, tensions were running high, stress at getting the finishing touches done when I get a phone call out of the blue from 'Jake'. He stated that he worked with APR Energy and was in charge of handling my energy contracts alongside the estate agent and demanded to know why I hadn't responded to any of their correspondence. Caught offguard, I said that I had been waiting for it and hadn't received anything. His tone immediately changed. He said that I was currently with NPower and I was on some astronomically high out-of-contract rate and that he had called to get me on a better deal. Foolishly, I believed him and he rattled off that he had searched through deals and the cheapest he could find was with 'Opus Energy' and had I heard of them. I replied no. He continued on with his spiel and managed to extract my details out of me and then recorded me verbally agreeing to a 3-year energy contract with Opus Energy before I even knew what was going on. Towards the end of the call, he pushed that if anyone else called, to hang up and not talk to them. He was so pushy that it was THEN I realised that something was wrong. When the phone call ended, I googled Opus Energy and pages upon pages have come up recounting the exact same scenario that I've just explained. I called back on the number he called me on a couple of hours later to cancel, but strangely another man 'Jonathan' (who sounded an awful lot like Jake) denied any knowledge of Jake, or third-party energy brokers. He did say, that he would look at any paperwork that came onto his desk and if my name came up he would put a note on it and he would get back to me on Monday. (I took out the contract on Friday). Needless to say he never called, so I called him again today and he told me to call Opus and get it sorted. Now Opus Energy are giving me the run-around and are 'going to check the recording', when I know that all that has been recorded is the verbal contract and not the start of the call in which Jake told a torrent of lies. I know that I was totally mis-sold this contract by 'fraudulent misrepresentation' under the Misrepresentation Act 1967. He stated I was with NPower. After calling Power Distribution, they informed me that no, the previous owners were with Scottish Power. He stated that he worked alongside my estate agent. They have also confirmed this is false. And because of what he claimed, I was induced into taking out a contract. I have no idea, what else I can do. It's my first business and this whole farce is worrying me sick. I never wanted to go with Opus in the first place and I feel completely cheated. I admit, I should never have been so stupid and gullible to have fallen for his charade and I certainly won't ever be as stupid again. Is there anything else I can do to cancel this contract? Thanks.
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Went to the local Post Office today to pay in the cash I have received from items I recently sold on Ebay. They refused to allow me to put the money in my Santander bank account due to the laws on money laundering. They said if they took the cash and credited my account, then my account would be frozen pending an investigation on where the money came from. I don't have receipts because the buyers of my items paid cash on collection. I give up with this crazy country. Paying the cash in would result in my account being frozen until I prove where the money came from. Having my account frozen would prevent me from being able to access my pension. Not having receipts from the items I sold on Ebay implies that my bank account would be frozen for ever I would loose my pension and have nothing to live on. Who brought in these stupid laws that assume honest people who sell honestly obtained second hand items are drug dealers?
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On 18th April I had a new washing machine delivered. As soon as the men left, I tried it out. The washing boiled and I scalded my fingers when I tired to remove it. Immediately I contacted Currys by email. I expected them to send the men straight back, but they did not, and a seven month long battle began. Indesit sent an engineer on 6/9 who told me the machine was working perfectly and the fault was mine. When I heard that, I suggested then that perhaps the machine had been connected to the hot water. Without even checking he said it was not. He told me that he had a good mind to make me pay for the visit as there was nothing wrong. He walked out while I was talking to him. When he left I put it on again, first cottons, then wool at 20 degrees. I sat at the computer while it was washing, and the boiler fired up. The boiler feeds the radiators and the wet room and the washing machine, and since only the washing machine was on, it was clearly connected. I posted on Indesit Face Book page. They told me that their engineer had made his report, which they believed, and that if I posted again I would be banned. After another battle they eventually sent a senior engineer today 27/10 who finally admitted that the machine had indeed been plumbed into the washing machine. I have to thank the CAB for monitoring the situation. It has been so stressful it hardly seems possible that someone can complain, and clothes ruined and they would not return, and I believe the visit today was because I started to list the costs involved, like their paying the difference in gas used from last year. Todays visit was by a senior Indesit engineer . Last Friday, however was not so good. The person they sent had no English, no identification, no job sheet and no tool kit. He could not understand what I said. He got his 'boss' on the phone and gave it to me. I spoke to the 'boss' and asked him if he would explain the job to the young man because he could not understand English. The 'boss' said he did not know the job either and expected me to explain . I was so nervous I threatened to call the police, because I really thought they were making a fool of me . At the he ended the call and the young man left. That is unpardonable.
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There is much talk of the recent arrivals of children coming to the UK and they look more like adults. What checks are made to confirm a person's age ? and what other details are known ? (Source LBC radio.)..
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There is a tree on the side of a path runs past my house that is overgrown to the point it is coming into contact with the side of my house, the roof and is also hitting the windows of my property. I have contacted the council about this previously in 2011 when it was dealt with by way of a crown reduction, however 4 years later and its bigger than so i again reported it last summer and was advised that it would be cut back in 6/8 weeks. However 16 months have passed since my local borough council made that promise and despite several calls and emails nothing has been done about it and today i received an email from my local county council telling me that they were going to do nothing more about it. Would appreciate any advice, if there is anything i've left out that i should have included please let me know and i'll update. Thanks -
Hello all My sister in law accidentally paid £200 into my Barclays bank account instead of to my brother. This was an old business account I have which I had not used for about three years. The charges and interest has mounted up in I to the extent that it is £1200 overdrawn. I had not heard from Barclays at all for several years despite this being an unauthorised overdraft, no phone calls, no attempts to get me to credit the account, no letters. They just let it go. And so did I. Anyway my sister in law contacted me straight away and I said the best way to tackle this was for her to contact her bank and ask for the money to be returned via the Industry standard process for mistaken payments. This process allows for the return of the money within twenty days if I do not object and of course I do not. I then received a phone call from Barclays stating that they had received a request from my sister in law's bank (Lloyds) and they asked me how I intended to credit the account (with some £1200) so that they could return the money. I told them that it was not necessary for the account to be credited. I told them they should follow the industry standard process and return the money. There then followed a lengthy and unsuccessful (on their part) attempt to get me to restore the account. I told them that whether or not I did so should not be linked with their duty to return the money in line with the industry code as I (clearly stated) I was not objecting to it's return. Eventually they agreed they would do so. Much to my surprise my sister in law contacted me to say she had received a letter from her bank Lloyds saying they could not get the money back because I had objected!! This is entirely at odds with what I said to Barclays which was that I DID NOT object to the money being returned and that they SHOULD follow the industry Code of Practice. (I am somewhat familiar with this situation and the Code of Practice as I had earlier in the year made a payment into the wrong account in our business much to the annoyance of my partner and researched what to do though in this case the recipient was known to us and he returned it less £17 for a bottle of whiskey!). Barclays have taken no other action with regard to the account in the intervening two weeks except to keep it alive in their system and have just added another month of fee and interest charges. I have had no default notice, account suspension or anything else. Can I ask fellow CAGers the following: 1. Am I right to believe that not withstanding the state or status of my account that if a payment is mistakenly made into it and I do not object to its return then that return must be done and within a twenty day time scale? 2. Presuming the answer to 1. is yes then what should I do now? Many thanks for reading and I hope this thread will be interesting and entertaining! -
I purchased an item using Ebay and the seller did not send the item. In my haste to get my money back I opened a Paypal dispute. However upon doing so the seller phoned me to say that they needed the Paypal claim closed to refund me through Ebay and rather stupidly I did so. Since then neither Ebay nor Paypal will do anything. I am unable to reopen the dispute with Paypal and Ebay say they cannot do anything because Paypal have closed the dispute (even though they are supposed to be two entirely separate entities). Now I could go the route of doing a chargeback through my bank. But it was done on a Visa debit rather than credit card. From speaking to my bank (Santander) that could entail some risk from Paypal challenging the chargeback which worries me. The amount is only the relatively small amount of £36.49. If Paypal were to be funny about it they could challenge it and possibly I incur some kind of legal fee? I don't know. Given that there is that risk I would rather swallow the amount and admit I have been ripped off and to be very wary in the future of closing any disputes before a full refund is given. Is there any other recourse for me? -
Today I received a PCN for a bus lane violation from Brent Council for straying into the bus lane on 15/08/16. The picture clearly shows me in the bus lane. It also clearly shows a truck parked in the opposite lane which is forcing an oncoming car into my lane, thus I have to move into the empty bus lane momentarily to avoid going into the oncoming car which has clearly strayed into my lane. This is all evident in the picture so how can this be an offence?! According to the PCN there are only 4 grounds for appeal: 1. Recipient was not the owner 2. There was no breach of the bus lane Order or Regulation 3. The vehicle was taken without consent 4. The police are already taking action Surely avoiding an accident has to be grounds for momentarily moving into the bus lane? In my simple mind sheer common sense should apply here, but common sense and local authority bureaucracy don't always go hand in hand. Anyone know if I have a point to force an appeal even though it is not listed in the PCN notice? Should I appeal (notice says I have to wait 28 days for 'enforcement action' before I can make 'representations')? Should I pay up first (fine is £65 if paid within 14 days, or double after that) and then fight? -
This is f....g rediculous. They mess up my calculation...let it run for years and then give me a 2 year backdated attachment of earnings. for over 800 pcm. (for one child). I had to leave my job....I got a much lower paid job and they were taking 350 for maintenance and arrears. I get another low paid job...they then accepted 250 for arrears only as the regular payments had stopped. I get another job and try to contact via email and web enquiry. No reply. Suddenly...without warning. £425 per month out of my bank account. I cant even afford my rent or electricity. And this is without travel to work costs or food. What the hell do I do. -
We had a loan with welcome finance many years ago. Phoned them up last month regarding miss selling of ppi to which they said there was some on the account so we started the claim. Everything on the phone was fine no issues, the loan account was closed. We've had our decision letter today saying they were using the compensation to settle the loan. It was secured against our house, we sold the property in 2004. It seems there was was some of the loan left outstanding after the sale. We've had no correspondence or notifications regarding any outstanding sums on the loan. We've been easily findable (plenty of other DCA's have found us in the past) They've said that the loan was written off and closed in 2010, their own words. My question is, if the loans written off and closed can they use PPi compensation against it? -
The rail watchdog is launching an investigation into “rip off” rail machines after a Telegraph investigation revealed that passengers are routinely being denied the cheapest fares. Joanna Whittington, chief executive of the Office of Rail and Road, said that research suggests one in 20*passengers were being sold rail tickets by machines that are too expensive. This means the millions of rail passengers could be potentially be paying the wrong*train*fares for journeys. An investigation by the Telegraph in 2014 found that customers were forced to pay double the required fare*as a result of machines promoting the most expensive tickets and “burying” the cheapest options. Telegraph -
A friend of mine who is doing some research into today’s workplace for her university course has asked me to post this up although I have done it in my words as hers seem a little to complicated for me to understand and would like your honest answers, please not the political correct answer also. A 48-year-old ex-soldier was medically discharged from the army due to mental health issues over 15 years ago. He held down a job for 5 years at first working in a support role for a IT company but is illness got worse and he was forced to give up working, and was put on the sick with a lifetime recommendation in 2005. He is on the maximum amount of anti-depressants he can be safely given, and has tried to take is life several time over the last 17 years, but has not responded to any other treatments offered by the NHS and has now been “parked” as untreatable. Due to the recent rule changes to sickness benefits were mental health is no longer considered as a barrier to work, he is no longer able to claim Employment Support Allowance, and he is put on job seekers allowance and must try and find a job. His mental health issues have worsened over the years and he finds it now difficult to talk to people he doesn’t know well, and although he has a short fuse, he has never been physically violent to anybody, but does shout at people and then walk away. He needs several days in bed to recover from downer episodes and these may occur at short notice. He also suffers for frequent flash back episodes and has been reported to be in a drunken state after, although he is a teetotaller. The job centre says he must apply for up to 30 jobs per week in the local area but all his qualifications are now out of date, and he cannot afford the renewal fees or get any grants for over £20.000 it would cost to bring the up to date. What role would you realistically see him in at you work place or would he even stand a chance of working at your firm,
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