Showing results for tags 'only'.
-
Hi everyone , could you tell me if anyone has an interest only mortgage that will be comming to an end in the next 3-5yrs thanks
-
MY 16-19 account had been opened in december 2016 and yesterday, the 23rd of February, I received a letter that my account was being closed, and that Barclays were unable to continue being my bankers. It offers no other explanation. I realized yesterday that my card was missing when I attempted to call them and tried to find my account number and sort code. I decided to go into a branch and was told that my account did not exist. I'm concerned whether there is any way I can reverse this decision and whether I will be able to open an account with another bank or building society such as Nationwide or Santander? There is no issue of money being stuck, more the inconvenience of having my account closed down and having no idea about it
-
Cancellation notice only after contract ends
suburban knight posted a topic in Gyms and Health Clubs
Hi All, Hoping you might be able to provide some advice here. I signed a 12 month gym contract on the 1st January 2016 and like most people who get sucked in, hardly used the facilities and decided I wouldn't renew. In October I gave notice to terminate the contract on the 1st January 2017. Now the club have said I still owe them for the month of January because I can only give 30 days notice AFTER my 12 month contract has ended? Is this common practice? I've never had a contract like this before. Thanks SK -
Hi happy new year, I am posting for a friend that's not very computer minded, he has a mortgage that he was advised to take out to consolidate his debts, he has now received a letter telling him that he needs to find £129,000 for when the mortgage finishes, he is 65 and there is no way he can get that sort of money, so they have told him he will have to sell the house or they will repossess the property, I have told him it could well be mis sold, but the broker as now shut down, would we be still be able to make a complaint to the mortgage company, or is it the response ability of the mortgage broker. He would be great full for any advise given thank you.
-
Hello, Was wondering if anyone could steer me in the right direction please - have gone up against creditors and DCA's before but now I am having to try and deal with British Gas. I live in a very rural area and have been here for approx. 10 years - in all that time British Gas have been to read my electric meter a grand total of 4 times. They have been happy for me to pay a fixed amount over the years increasing and decreasing sometimes and to be honest as the amounts suited me due to income I just continued to pay. a couple of months ago I was shocked that a meter reader turned up then a massive bill was provided to me - I queried it and was told it was correct because a person had read it - I asked if someone could check if the meter was working properly - this request has conveniently been ignored. While this is ongoing I have continued to pay and have paid a higher amount - I have advised BG that I can pay this amount moving forward each month - they have advised cannot accept as not enough and they need to speak with me to come to an arrangement. Any thoughts please as I cannot afford any more at this moment in time. Thank you. -
Hi I made a complaint to the financial ombudsman regarding the charges that this company had applied to our mortgage. (we are no longer with this company). The ombudsman have come to a decision that SPML must pay us 1500 pounds by the 28th August. SPML have not complied with the ombudsman when they have requested any paper work connected to our old mortgage. I dont think that they will pay up by this Thursday, so what will happen? will we have to take it to court? Can the ombudsman step in or because they ahve made a final decision is this as far as the ombudsman will go? Has anyone else been paid up when the ombudsman has dealt with their complaint? Thanks
-
Hi I was caught doing 80mph on a dual carriageway back in March and just had my court hearing on Tuesday July 26th. During which time my points have gone from 9 down to just 3. I was unable to make court as it was 150 miles away and only had a few days notice. My case was heard and I was disqualified from driving for 6 months from the 26th July. If they are to take the 6 months from the 26th then I only had 3 points at that time and should only get 3 points and £100 fine? Have I got a case here?? Would appreciate any help MK -
Hi, Another car drama, me and cars just don't get on... Bought a 2005 Land Rover from a small dealer 250 miles away all of 9 days ago on finance, which decided to break down yesterday, dead alternator... I contacted the dealer this morning to say i wasn't happy and that it would need to be repaired, and offered them a quote from my local independent Land Rover specialist of £712.49... They went on to state that the warranty provided with the car would only cover repairs up to £300, well having been through this drama before (pre 2015 and with SoG) i know that the dealer is liable for the repairs to my 9 day old car but have been nice enough to offer to phone some other repair garages to get further quotes, none of which have yet got back to me. I feel i should immediately get the ball rolling with regards to taking action, i have no interest in waiting too long or playing games, i work for the emergency services and having a working vehicle is essential for me... I have drafted letters for both the dealer and finance company (attached) however i wondered where i would stand with regards to getting reimbursement for hiring a car? Thanks in advance Paul
-
Hi, not sure if i have a case on this but thats why im asking I bought some trainers around 9 months ago from Kicks.com who are based in Germany. Some of the rubber started coming away on the back of the trainer so i sent them back. Although 9 months old they had rarely been worn so were in excellent condition. I'm normally very happy to accept store credit but in this case i've been looking at their site daily for about a month now and have not able to find anything i like in my size. Im a right fussy git when it comes to trainers. I emailed them numerous times over this period politely asking for a refund explaining the above but they have refused. As of last week they are now ignoring my emails. I just rang them today and they are sticking to their guns. Am i entitled to a full refund to my debit card at all? Thanks for reading.
-
I have recently been doing some research into legalities of purchasing debts and enforcing them.. From what i've read online and social media sites When a DCA purchases your debt you do not have a contract with them. you run up a bill with BT avoid paying for 3-4 years then lowell/cabot etc crawl out of the woodwork and decide to chase you for said debt.... however technically you never entered into a contract with lowell/cabot etc only the original creditor when you ask for documentation regarding your contract with said DCA they can only provide you with copies of the original contract with the original creditor which is no longer your debt as the DCA has purchased said debt. in effect the DCA has paid your debt off for you you have no contract with the DCA therefor do you have to pay?.. .. i challenged Lowell a few weeks back and guess what they agreed that my account was indeed paid off and no longer worth them chasing me for it, it wasn't statute barred by any means just me challenging them.. I can post the letter I received from Lowell to show you how i did it and if someone could give me their input on what i've done or simply remove my post if moderators do not agree with it -
I received the N1SDT from Cabot/Mortimer Clarke as I have been working away so only saw it yesterday morning, I have already Acknowledged it via MCOL I chose the option Intend to defend all. the Particulars of Claim as follows:- By an agreement between LTSB & defendant on or around 15/10/1998 ('the Agreement') LTSB agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 3830.31 At the total cost Amount Claimed 3830.31 Court Fee 185.00 Legal Rep Fee 80.00 Total 4095.31 My question at present is as there are no account numbers on the form What should I put on a CCA in the Account number Reference to Cabot. Also sending CPR31:14 to Mortimer Clarke To clarify I do accept I had a card through Ltsb and also have been a bit of an ostrich in the past, due to various reasons I also have not been good with repayments since Jan 2015 -
A lot is being made about a golf club only allowing men as members. Is this such a great issue or should we been concerned about a bigger picture ?..
-
Oh yes please, bring it on! I have a wealth of knowledge & experience waiting to be unleashed to the traitors & bullies in society. They know who they are & I can't wait to exposed them. But do remember, all I offer is nothing but truth & it could get rough!
-
Im wanting to cancel a sim only contract with 9 months of the 12 left however im told theres a fee to pay in doing so. Is this not a penalty charge? Regards
-
some reason I not had simcard long and not been used since I been waiting for a unlock code and I checked my account and I been charged extra of £3 for international which I not been abroad or able to use the sim I already emailed them asking why I been charged so waiting on a update as anyone else had this issue with them
-
Hello Everyone, I recommended a friend to buy a SIM only contract from the same mobile company I am using to have more data on less price. She called the mobile company and took a SIM only contract. Unfortunately the service of this particular network is very bad in her home area and she only gets 1 point on Signals bar, which make it very difficult to make and receive calls or use the 4G service for internet. Following is the contract details. Order: 11/04/2016 Post Date: 12/04/2016 SIM Arrived: 13/04/2016 Contract Start: 13/04/2016 She called the network provider on 23/04/2016 to cancel the contract but she was told that there is some service improvement going on in her area, So she must wait until 25/04/2016 evening. If the service level is still low then she can call back on 26/04/2016 to cancel her contract. She called the network yesterday, the Customer service guy told her that she is within 14 days of her contract and he is going to transfer to cancellation team to cancel the contract. Unfortunately the cancellation team member think otherwise, Cancellation team member asked my friend to check the delivery date on the letter received with SIM and tell what date is it? It was 12/04/2016. So based on delivery (Postage Date) which is written 12/04/2016, they can not cancel the contract. After a long conversation the cancellation team agree to open a case for the management to listen to the conversation of Saturday 23/04/2016 and decide weather to cancel the contract or not. So my friend is still waiting for the call from Network Provider. Today she received a welcome letter and first bill, on this letter Contract start date is 13/04/2016. So based on above information, Can network provider be that stupid and lie to customers? She has submit a formal complaint to Network provider about the incident and she is going to complain to OFCOM aswell. But is it fair for Call centre staff to lie to keep the customers for 12 months? -
Hi, bit of a background. Most dates are from letters. Blue are the dates from correspondence. 02/07/15 - contravention occured, CCTV observed 08/07/15 - Council applied for my details to DVLA 14/07/15 - Council received the details and posted PCN I have not received the PCN 24/08/2015 - Charge Certificate was sent (£90 or so) 01/09/2016 - PEC warning Letter was sent (£90 or so) I opened both letters on 09/09/2015. As I didn't remember entering any Bus Lane I drove to the place. Once there I remembered I did enter the road when looking for a venue for my Wife's birthday. I couldn't see any signs as there was a bunch of diggers and other road working machines parked on both sides of the road. The sign says "Bus and Access Only". As I went half way that road to check the pub it is access. The pub is not accessible by any other road. It sits bang in a middle of Bus and Access only road. I phoned up Council stating that I never received PCN and on top of that I was within restrictions as I was accessing a venue located on that road. Was advised to fill 2 forms (don't remember what forms). Couple of days later I filled the forms and posted them. Haven't heard from the Council since. 27/11/2015 - Council sent TE3/TE9. I honestly don't remember if I got them. Irrelevant anyway as I sent forms already. 08/01/2016 - Warrant of Control was authorised and notice sent to Enforcement Agency Some time in January enforcer turns up and wants nearly £500. I sent him away and contacted CAB. As advised filled forms (Out of Time Witness Statement and Statutory Declaration) stating that I have not received the PCN in a first place and I did coply with restrictions as I used the read as access to the venue which is on that read. Northampton refused the application. Now the case is back with enforcers unless I fork out £100 (no hearing) or £255 (with hearing) and apply for review. Why on Earth Northampton refused I have no idea. When I called TEC they said that officer refused based on reply from the Council. Looks like Council decided here even if it is a side in a case. Now I have to fork out £100 or £255 to have it reviewed and still not certain of the outcome especially if has been refused before despite the fact that I had 2 valid grounds for having Out Of Time granted. As far as my research so far any of this grounds on its own should warrant acceptance of Out of Time. Please advise if there is anything else I can do. Just to clarify, Main problem is should I received PCN I would have appealed against it. Mainly as I can't afford any extra expenses and I do watch very carefully where I drive or park. Having said that if I lost the appeal I would have to pay "only" £60. I definitely can not afford £500. Got to think twice before forking out £100 for review and £255 is out of reach. Regards -
Halifax mortgage. never missed payments until last year. my deal allowed for a repayment holiday. went into branch explained in difficulties, was given 3 months 'off'. may, june, july. my situation hadnt improved so then missed August. Saw their field agent [charged for] who took full statement of particulars etc; and i asked for help via interest only option. i made the payment for September. Eventually got letter confirming a reduced payment for oct, nov, dec. i took this for an interest only due to the figure offered. however struggled so hence the reason for Court possession hearing. based on their Court papers and then Witness statement, i have communicated via email with the solicitor stating i dispute the amount claimed [they have included the 3 months holiday and also the full amount rather than interest only amount for the oct-dec]. plus they state they dont know my circumstances etc, yet they have the field agents report, so they were inaccurate in their claim. i also stated that i felt their 3 month interest only offer was short sighted and not dealing with my request for long term help; as discussed with the field agent. additionally i was getting arrears letters and new payment amount letters during the oct-dec [harassment?]. i asked for the arrears to be added onto the mortgage [plenty of equity] and an interest only option for 2 years to allow me time to get back on my feet. they said no. they now say the 3 months holiday was just an 'arrangement' and not a formal payment holiday and the reduced payment was not an interest only option, just a reduced payment arrangement. hence how they have arrived at an arrears figure of c£6k based on the full monthly amounts, where I calculate it at approx £3k based on the holiday and reduced agreed amounts. their own criteria as i have now found out is that they can offer such a facility, interest only, but only if 6 months of full regular payments have been received., and only after another income/expediture provided. i have stated they have one from end august, paid for, and nothing has changed !! hence why i am in this financial position and asking for help. i then asked if i was to make 6 months payment at the full amount, knowing that financially it will be a burden, would i then be allowed to drop to interest only for 2 years and the arrears added onto the term. the response from the solicitors was that they would accept that proposal, but ask for a suspended possession order and also want a full inc/exp before confirming acceptance. BUT for any interest only and arrears consolidation i would have to discuss direct with Halifax.!! [they are on a direct computer link with halifax/BoS]. Additionally in their witness statement they state they have followed protocol to assist blah blah blah, including offering reduced payments and consolidation of arrears. I have replied stating that i am unhappy as there is no guarantee after financially struggling for the 6 months to comply with their own criteria for qualification for an interest only mortgage, they will be any more helpful than at present [words of that effect] due to their lack of flexibility. Also they have NOT offered consolidation of arrears, as they claim, even after my requesting it through my own proposal. Therefore i have advised them that the more sensible proposal is that which i originally asked for, 2yrs interest only with arrears consolidated/added to term., as that is a more financially viable, sensible and sound option and I will be attending Court to reiterate that offer. So.......... if you got this far !!! i have no faith in the court system [even longer story] to the point they make me physically sick but obviously have to go on friday. all my emails were marked without prejudice and i also referred to my right to produce/use as evidence in Court. Tomorrow i will print out [x2] copies of all my emails etc and create my own witness bundle and hand deliver to the Court so that the judge has it on file - i will email copy the solicitors also. If any thoughts or advices as to any case law i can refer to etc etc, i would be grateful for....... sorry so long winded but just decided to share this worry.......... THANKS !! -
Over 70s prefer SEX than going to cinema ... and love Queen and Only Fools and Horses Many one liners in the article from Fools and horses. Such as 1 Did you know, 500 years ago this was a green and peaceful area? The old Earl of Peckham had a castle where the Kwik-Fit exhaust centre now stands. Flaxen-haired maidens used to dance round the village maypole of an evening. And then one fateful medieval day, the Trotter clan arrived in a stolen Zephyr. And as for queen i remember the group starting.Do you? And Fools and horses. As for sex my daughter thinks anyone over the age of 40 is well past it. No comment from the owl. But a joke perhaps. A guy stuck his head into a barbershop and asked, "How long before I can get a haircut?" The barber looked around the shop full of customers and said, "About 2 hours." The guy left. A few days later, the same guy stuck his head in the door and asked, "How long before I can get a haircut?" The barber looked around at the shop and said, "About 3 hours." The guy left. A week later, the same guy stuck his head in the shop and asked, "How long before I can get a haircut?" The barber looked around the shop and said, "About an hour and a half." The guy left. The barber turned to his friend and said, "Hey, Bob, do me a favor, follow him and see where he goes. He keeps asking how long he has to wait for a haircut, but he never comes back. " A little while later, Bob returned to the shop, laughing hysterically. The barber asked, So, where does he go when he leaves?" Bob looked up, wiped the tears from his eyes and said, "Your house!" More. A third of 70-somethings are still working for a living years after retirement age , according to a survey. And are carrying debt. And 22% are working full time, despite picking up their bus passes several years ago Quite a good article covering a good few things. And all of a sudden has made me realise how quick time goes. So make sure you enjoy it.I am sure you are. A lady i have just been reading about who i find fascinating. One of her sayings. “I pity people who can't find laughter or at least some bit of amusement in the little doings of the day. I believe I could find something ridiculous even in the saddest moment, if necessary. It has nothing to do with being superficial. It's a matter of joy in life.” ― Sophie Scholl The article. http://www.mirror.co.uk/money/over-70s-prefer-sex-going-7467869 -
My employer is telling me I need to go to see the doctor (I agree due to stress related migraines). He is also saying I need to show them a note to say I am fit for work, as in his own words (in email), he doesn't feel I am fit to work. 1. Do doctors even issue a fit to work note after a couple of half day absences? 2. If my employer is telling me he thinks I am unfit to work, should I be going to work? (He thinks I should ) 3. Can my employer force me to present a fit to work note from my doctor? Thanks -
My wife died just over a year ago. The house we live in was bought in her name only, and the mortgage is in her name only. I obtained Probate and I am the beneficiary of all assets and debts. Last week I phoned up the lender - assuming it would simply be a case of switching the deeds and mortgage to my name and continuing payments. I was concerned when the person said that in those situations they usually required the mortgage to be repaid - which i couldn't do without selling the house - and I would have no-where to live. Despite my late wife owning the house/mortgage, ALL monthly payments have been from MY account and have never been missed. Anyone have any advice on this? Thanks
-
Veterans World Magazine promotes awareness of help, advice and support available to the veterans community. From issue 36 (latest issue) the magazine is now only available digitally via the internet as they are no longer producing a paper version. Read More Here: https://www.gov.uk/government/publications/veterans-world -
I have to start at 9am and end at 5pm, but the bus doesn't arrive near the shop til 9..46am and last bus is around 4pm. I have never been to this town before, and don't know the bus routes. I have been suffering from travel sickness and have been to the doctor about my diareah(sorry, but the doctor said that was normal to go to the bathroom every few minutes). I have an appointment on Monday to pick up travel money and have to be there by 2pm. From March to June of this year I was volunteering at a charity in my home town. I am wondering if I should apply to a charity shop in town? But this woman (who was dressed like she was going out to a party) said that SEETEC only ran a few shops. Can I refuse this placement due to it being in a part of the county where I've never been? There is no way I am able to get to the placement in time, I'll be late. And according to the letter if I am late it can effect my benefits. -
In brief - We went to a local independent flooring company, wishing to purchase a wood floor. The owner talked us through the various products, came to our house to look at the area it was for, measured up, checked the subfloor etc. He then recommended a product for us, ordered it and arranged for "his team" to come out and fit. He arranged the day and time they were to come out and told us that we should pay them cash on the day. In the meantime, he took moisture readings, spoke to the manufacturer and also the manufacturer of the underfloor heating we'd had put down, to check what underlay might be needed. The floor was fitted by "his team" - his brother and another man. It subsequently failed 4 times in the course of a year. The first 2 attempts to remedy the problems were made by the fitters. After it went wrong the 3rd time, it came to light that the fitters and the company owner had parted company, so the company owner/supplier came out and attempted to repair it. The same thing happened again, and he came out again. At this point, the supplier offered us a replacement stair carpet for our trouble. We said that this was not necessary, but if the floor failed again, we would be seeking a refund. When it failed again, we requested our money back. The supplier agreed, minus fitting costs. When we argued, he withdrew his offer and offered us a replacement floor instead. We expressed our concern that we had no confidence he had the neccesary skills and knowledge to fit a floor, given our experience thus far. We then took advice from the CAB and wrote a letter before action, inviting the supplier to comment on what he believed to be the issue with the floor, and offering to go to mediation. He responded, trying to lay the blame on us with various spurious claims, including that the contracting of the fitters had nothing to do with him - since the receipt he issued clearly stated "supply only." We then wrote again, offering to have an expert inspection and report done on the floor, and asking that both parties share the cost in order to confirm what had caused the problems with the floor. He refused, saying the cost was too great in relation to the value of the floor. We once again gave him the opportunity to refund us, while warning him that he may be asked to pay the cost of the report, should we take our case to the small claims court and win. In order to ascertain whether we had a case, we had the expert inspection done. It found that the fitting was to blame for the issues, including inadequate moisture and humidity readings taken by the supplier. The expert contacted the supplier to find out exactly what prep he had carried out and the supplier told him. The report also queried the suitability of the product for the conditions of our property. Once again, we wrote to the supplier with details of the report's findings and requested a refund of both the flooring, fitting and cost of the report or we would have no choice but to take our case to the small claims. The supplier has not responded. We feel we have a strong case. However, our concern is that it may be thrown out on the basis that the receipt we were issued was for supply only. In the letters from the supplier, he does state that he tried to repair the floor on 2 occasions, hut says it was purely a good will gesture. However, he also states that he did the pre-fitting site visits and prep. So, what is our legal position regarding his responsibility for the fitting of the floor?
-
With all our modern science, why can'y someone make a breakfast wheat biscuit type product with all the fiber, vitamins and minerals in a single (or maybe 2) bars I could live with a boring breakfast - I often already do. and why cant they make a yogurt type health drink which includes all the essential oils and bacteria a good system needs I could live with one hit a day of fishoil etc all together and why cant they combine the two into one of the stodgy 'health snack' oat fiber and raisin type snack bars. rather than the sugar filled teeth rotting things that are currently on 'offer' labled as such Include everything except the calories so we can have a burger and fries at lunch without worrying. If only ....
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS