Is this allowed? I accidently, in November 3 - 23, went into my unplanned overdraft with Halifax for 20 days. i did not receive any notification from Halifax that this had happened. December passes, no charges - Obviously by this point I still do not know I went into my "Unplanned Overdraft" in November January arrives, I have literally £1 in my account after Christmas... £105 bank charges hit my account on 5th of January forcing me into an unplanned overdraft... I do not get paid until 25th which again, is 20 days away from when they put me into an unplanned overdraft with their charges. As their charges put me into an unplanned overdraft - are they really allowed me to charge me again for this ? On the phone they said they are more than welcome to charge me for them putting me into an unplanned overdraft... Is this really true? They have taken money, from themselves, to pay themselves, therefore dosent even effect them - but they charge another £5 a day for this?

I have sent in my esa50 five weeks ago. Just got a call today from a witheld number.They were saying my name and asked if I was that person, But the line was very poor I asked who they were but had to give up in the end as, The line was very poor. Do ATOS ring you from a witheld number.Or am I stressing for nothing thanks for your help.

This isnt really a Pay Day loan issue - however loan sharking is as big a problem. LoanSharkNews Follow the link to have your say in how loan sharks cash is spent in Birmingham! Voting closes Friday 30th November - so please even if you dont live in Birmingham - vote surveymonkey.com/s/loansharkmed…

The Financial Services Authority, is investigating claims by a whistleblower that Britain's £300bn wholesale gas market has been "regularly" manipulated by some of the big power companies, exploiting weaknesses that echo the recent Libor scandal. Separately, the energy regulator Ofgem has been warned by a company responsible for setting so-called benchmark prices, ICIS Heren, that it had seen evidence of suspect trading on 28 September, a key date as it marks the end of the gas financial year and can have an important influence on future prices. http://www.guardian.co.uk/business/2012/nov/12/libor-like-manipulation-gas-markets

Hi guys, I just wanted to know what the law is on this? I hate entering my reg. no into a pay and display machine and was wondering if there's any law that says you have to? I only ask, as my mother entered hers incorrectly the other day (226 instead of 227) and if they look at the images before they send out charge notices? Regards.

A while back I signed up what I thought was a good deal with Virgin for a HTC Sensation for £17.99 per month. I didn't realise that when I signed up, if I cancelled at any time that I would be committed to pay the whole term of the contract which they have just informed me is £464. I'm now in real financial difficulties due to unemployment and I explained my situation to them over the phone, but they said that there's nothing they can do because they said I had already had a loyalty discount on the existing contract. They will not allow me to cancel without paying the £464 in full. Does anyone know of any way I can get of this situation?

I was put on jsa in january which then turned to income support in May due to pregnancy. I have since given birth and have now been offered a job 20hours a week minuimum. It is paid 4 weekly and I start on tuesday . I know I can get the job grant which is good but until I get paid I will still have bills and things to pay so I'm wondering what other help is available. I know that on JSA you can get extended payments until you are paid but does this apply to income support as well?

They should start by NDR free periods. http://www.bbc.co.uk/news/business-20104059

Afternoon all my mrs has taken a mortgage out in her sole name due to my very poor credit rating We have both paid equal deposit just everything is in her name until my credit gets a lot better My question is how do we protect her credit score without us being linked What will link us financially? What can be done about council tax, obviously i will be named living there under the council tax but is their a way of preventing this being reported to the credit agencies? Any thoughts would be great Thanks

http://www.bbc.co.uk/news/business-19731923

I've tried writing to the Trading Standards about this but don't get any reply so thought I'd try here. A few years ago I subscribed for a couple of 0845 numbers that I intended to use for two website ventures I was planning. The company I bought them through was called Dolphin Telecom although their website also referred to Call08 I happily paid by DD for years. Each month I received an email with a link to my PDF invoice which I downloaded. As I got busier, I didn't bother downloading the invoices every month but instead stored up the emails so that when it came to doing my tax return I could print off all the invoices at once. Earlier this year I decided to cancel the numbers as I no longer needed them. When I called to do this I was told I was in a 12 month contract until November 2012. I told them I wasn't, that the terms I'd signed up under were a month to month basis with 30 days notice. They told me they had given notice of new T&Cs in October with 14 days for people to opt out of the new T&Cs otherwise they were automatically taken into a contract. I explained that I hadn't received such a notice to which they replied that it was sent with the October 2011 invoice. When I checked the email the title of the email was exactly the same as usual ' your October invoice is ready.....' There was nothing in the subject line to draw my attention to it being different from normal. The email content itself did not have anything in large type or bold - it was just an 'oh by the way' at the bottom. The link took me to a part of the website that didn't have the T&Cs anyway and when I searched for these they were several layers down a menu system. I have complained that they didn't give me proper notice and I have stopped my DD however they continue to bill me. They have also told me that I can only give notice within the 30 days leading up to the end of the 12 month period - they refused to accept my notice earlier this year. However I have realised that the postal address they have on file is one I haven't lived at for 4 years and also they have put the invoices in the name of one of my ventures (a domain name) rather than actually in my name. So I'd like some guidance as to a) are their practices fair b) should I just ignore all the emails now as their invoices don't technically apply to me anyway. c) what should I do, if anything? Thanks

Hi there, A week into moving into a letted flat. I have a knock on the door handing me an envelope with letters in. I open them up to find out the next building is being demolished within 2 months and building a massive flat/commercial building to replace it. Obviously I am not happy. I handed over 6 months rent to the letting agent and was not informed of any building work taking place around the flat. And as the positioning of the bedroom is directly next to and connected to the building which will be demolished I feel extremely angry that now I don't have a leg to stand on. What exactly are my rights as a tenant? Should the letting agent have known this? Thanks for your advice in advance, Stephan

My son suffers from Anxiety, Depression and Agoraphobia among other things, He's gone through all the usual stuff so far, failing his ATOS medical, appealing and succeeding and has been placed in the WRAG and I am currently appealing on his behalf to be placed in the support group and have been waiting months as usual for a reply. I called to check on the status of his appeal since getting a letter about his interview and now they have no record of it, even after calling up months ago to check they had indeed recieved it. However I am more concerned about this interview, originally we were told it was possible for a home visit but this has turned out to be false and he is being forced into going to his first work related interview next monday at the job centre. He has already had this deferred once already and now they are adamant that he has to go next week. There is no way he is going to be able to go and the thought it is already affecting him and making him shake/panic and worry, I am wondering what i can do if anything about this interview?