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  1. Hi All, I understand that financial advise is not to be requested but without specifics, can anyone explain this ? I contribute to a group company pension and that contribution is deducted from my wages as a percecentage of my earnings. I have an o/l account with my provider and they allow me to make extra payments into my fund as and when I can afford it. I have done this twice with a few hundred pound , each time I have paid a small lump sum in , the provider adds a tax relief of 25 %. So if I pay £200.00p in they tell that I get £250.00p paid into my fund. Which i think is
  2. Hi I was wondering if anyone can help me claim PIP. Briefly, I have severe mental health issues, whilst I was unemployed for nearly 15 months I was told by a local organisation who were supposed to help me find work (they didnt) that I would be able to claim PIP. They helped me complete an application, which was accompanied by medical notes, had a "medical assessment" by someone who didn't seem to know much more than I did about mental health and my application got rejected. I then asked the local organisation who helped me start the process to help me appeal and they left me to
  3. Here's a new one, probably.... I went to a show on Tuesday. We placed our belongings in a void near our feet. Unbeknown to us there was a mechanism in the void and it damaged our belongings. The void was covered by a black curtain. I would like to claim for the damage, but I'm unsure if either: a) I was negligent in putting my belongings there, or b) The production company were negligent in leaving the void accessible or not having signage. I kind of feel that with the close proximity to the stage it was negligent to have the mechanism easily accessible and/or no
  4. Hello everyone, Please be nice, I appreciate this trouble was something that happened when I was not as smart around money. I have learned my lessons and now doing well. The problem I have is a company I used to be a director of. My partner left the country and me saddled with the personal overdraft guarantee of £2000. No other debts. It is difficult to remember all the details, but I remember it was for an overdraft with barclays commercial banking. I had to dissolve the company, appropriately notifying companies house. This all happened without a problem.
  5. I signed a franchise aggreement (unfortunately) and I would like to know if the : personal guarantee`s that was included is legal, if it was not witnessed, at the time of signing, and their is no provision for a witnesses signature, is there a set format for this, and could it be deemed invalid and/or, not binding? when is a deed not a deed? Your advice would be welcome. Thanks!
  6. Hello All, About a month ago I paid online for a flight with a European Airline. Somehow (no fault of my own) the payment didn't go through although at the time it showed the payment pending. The next day my bank notifies me of possible fraudulent activity and thus locks my online account. Several days later the airline later email me about this non payment. Now I am back in the UK I have contacted my bank, and furthermore contacted the fraud centre. They notified me of the fraudulent activity was actually the airline getting into my personal online bank a
  7. Just had a letter from Lloyds regarding my loan. Now bear in mind I have been in touch regarding this and they refused token payment/syop interest and charges etc. Anyway this letter arrived this morning By the way the account no. on the letter is my current account. Now a couple of questions that someone may be able to answer. As there is no Direct Debit set up (I cancelled it) for my loan on this account why are they adding charges to it ? I downgraded the account and cancelled all overdraught facilities on yhe account, so will they just take it into the red ? Finally, as
  8. Hi, first time poster. I have noticed a default on my credit report from Clydesdale/BPF for an account that was opened in 2003. In 2005 I went through a bad patch and didn't pay any of my debts, my problem with this one is the date of default is listed as 2012? Is there a way I can get this removed as it is Statute Barred and should not be on my file. Thanks in advance. Jon
  9. Many years ago, around 1996, I became a director of a LTD company owned by my ex partner. We had an agreed £20k overdraft on our HSBC (originally Midland) business account which ran until around 2011 when HSBC called us in and said that we could no longer have the overdraft and that we would have to transfer the £20k to a Managed Business Loan. I jointly signed the loan with my ex partner. Some time after this and without my knowledge, my ex partner removed me as a director. Please can anyone advise me: 1. Am I responsible for the loan which I believe is still outs
  10. Hi All I need help re clarification of the above I have started a civil court action against my housing association landlord I did send a LBA They did not response They have now responded that I breached the Pre Protocol procedure re disrepair Does anyone know what this means I have already sent my N1 form plus documentations to the court thanks
  11. hi gents after a bit of advice, my brother took a personal training course and passed he got his certification and took a job being self employed in a local gym under your personal training they made him sign up to a membership of £400 a month so he could take personal training sessions in the gym and it had a minimum contract of 6 months. around two months into this contract he moved away, he sent them documents with his updated address to prove he no longer lived in doncaster where the gym was and he now lived in manchester so was unable to complete the
  12. I had a halifax personal loan which was then transferred to cabot. the initial loan was many years ago and i paid cabot for a about 8 months and then havent had any contact from 2011 then in 2016 optima legal said they have the account and i need to pay them. having read through the forums i wrote to them on 24/02/17 asking for, see the letter scrip i have added below. i have had no reply from Optima legal. where do i stand legally and should i continue to pay? thanks. template removed - dx
  13. An investigation was underway on Friday night after the personal data of up to 44 million British consumers was feared stolen by hackers in a massive cyber attack. The information commissioner said it was investigating how the hack on Equifax, a US credit rating firm, affected UK customers, many of whom will be unaware their data is held by the company. Equifax and its UK subsidiary companies state on their websites that they represent British clients including BT, Capital One and British Gas. There are fears that customers of these companies could now be affected. BT said that
  14. An investigation was underway on Friday night after the personal data of up to 44 million British consumers was feared stolen by hackers in a massive cyber attack. The information commissioner said it was investigating how the hack on Equifax, a US credit rating firm, affected UK customers, many of whom will be unaware their data is held by the company. Equifax and its UK subsidiary companies state on their websites that they represent British clients including BT, Capital One and British Gas. There are fears that customers of these companies could now be affected. BT said that
  15. Hello This is my first post here so I've tried not to witter on, but it's complicated. The situation is that I was evicted from my home last year when I couldn’t remortgage it after the interest-only mortgage expired. The circumstances don’t matter, I have no quarrel with that. My query relates to what came after. I had managed to dispose of a lot of stuff I didn’t want, but there was still a lot of stuff I did want, left in the property. I’m past retirement age, live alone, and am severely disabled: I cannot legally walk, I have severe spinal problems and a max awa
  16. Hi. Just after some thoughts. My dad went to a Barclays branch in 2008 to take out a business loan The branch staff member stated that he could not take out a business loan to start up his business As an alternative, the staff member suggested just taking out a personal loan in my mums name as my dads credit file was terrible - despite him knowing it was for business purposes. They went ahead with this advice. My mum and dad have since split up and she's left with this loan amongst other debts he's left her with. Obviously with it being a loan it's in her name onl
  17. Hi, I don't know where to post this but, my cousin was in a relationship with a guy over 10 years ago. They bought a property together and subsequently split up. Her ex said he would get a mortgage on his own and stay in the property, which he did. My cousin moved to another city and eventually met and married someone and is extremely happy. However, her ex has sold the house with £10,000 negative equity. He took out a personal loan for £10,000 to settle with the mortgage company in his name only. Fast forward a few years and my cousin receives a small
  18. Hi I have a claim with a legal cover insurance for a car accident that happen in 2015. This is covered under my house insurance, so it is no no win no fee claim. They have sent me to a doctor. He created a report that was wrong since the beginning. I have object to it but the insurance insist it would not make a difference to my claim. Then the doctor send me for MRI scan for my shoulder that I had issues with since the accident. He came back to say " in his opinion after looking at the MRI scan, the issue with his shoulder, joint to hand, is degenerative and is been brought forwards
  19. In May 2015 my friend's neighbour fitted a new steel railings at the front of her house. The railings were welded up by her father, so owner of property has vicarious liability. The railings form the boundary between her property and the pavement and there was no barrier sheilding the public from the flash of the welding arc or the metal fragments from the grinder used to tidy up the welds. well, you guessed it, my eyes were caught by the welding flash and suffered retinal burns in both eyes and pitting to both eyes from the metal fragments .Very painful. Attended A&E, got
  20. Hello All, I signed up with a GYM and within the gym also signed up with a personal trainer. I signed up for 20 sessions for 500£ and over the course of time, I used them all. During this time, I made friends with the personal trainer and he asked if I would like to sign up for another 20 and I was happy to. He asked if I could pay him cash as that would save him money and I did. For the first payment that I made in his bank account, I had received a acknowledgement on email but not for the second cash payment. There was no written agreement signed or emailed in either
  21. Good morning, A friend of mine has a personal injury case against a bus company after driver took wrong route and hit a bollard whilst reversing to get back on route. - Bus company have admitted liability. The solicitor (well legal executive) acting for my friend requested a rheumatologist assess my friend because she suffers from a condition called hypermobile ehlers-danlos syndrome (hEDS) which causes constant debilitating pain and can cause small injuries or trauma to last for ages Anyway, this "expert" appeared not to know too much about her condition and has referred to out
  22. Hi All I had a trip/slip over 4 years ago with the offending council admitting liability immediately. The case dragged on due to the fact that my legal team changed three or four times and a lot of time was wasted. Eventually a competent solicitor was appointed and an agreement was made to settle the claim (we were due in court on the 2nd June) on the 24th March 2017. A time frame was given of 4-6 weeks but usually much sooner than that. It is now the 18th May and I have not received my money, I have called and emailed my solicitor every day this week and have had no response.
  23. I had been with Natwest for 22 years and had a black account with the Gold Advantage Charge card. I was advised to become a company as I would be delivering a service through several agencies. Unfortunately, due to exceptional circumstances and include a bad personal relationship left me in debt and I am about £8 -9k in mortgage arrears on a house I rent out and a personal overdraft that was £12k. In 6 months that OD was cleared and both business and personal accounts were in the black. The difficulty in meeting the mortgage department for an arrangement to be put in place
  24. Hi, Recently I received a letter from the local force with an accusation of me going through a red light at a pedestrian crossing. This letter was simply asking who was driving at the time. However, the very odd this about this letter was that it arrived within less than 32 hours of the supposed incident, 2nd class. Of course, I responded to say that I would have been driving at the time. I then didn't hear anything further for 6-8 weeks, until I got a call from an officer wanting to come to the house to discuss the incident. Having spoken to the officer,
  25. http://www.mirror.co.uk/money/credit-card-time-bomb-personal-10356434?service=responsive Over the last couple of years - CAG has been advising people in debt to start paying it down and stop taking on more debt. It is frightening that consumers simply don't say NO to their children at Christmas and Birthdays - even just for one year - do you really need to upgrade your TV or sofa, EVERY year?
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