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  1. Hi, I am in the position of having cast iron proof that our second charge lender has committed the criminal charge of false accounting on our loan application. They have increased both our salaries by entering the gross salary amounts as net amounts of both of us, and then taken hardly any outgoings of the inflated amounts apart from their loan payment, a buffer payment, and a 1st mortgage payment. This has served to increase our monthly income by over £1000 making the loan look affordable on paper, and resulted in them paying a secret commission to the broker that brokered the d
  2. My partner and myself purchased a car in April from a local dealership (Tyneside Autoparc). An 07 plate Dodge with 47k miles on the clock. We paid in full by debit card and the problems with the company have been ridiculous from day one. There have been a couple of (unrelated) problems to the car since we bought it. There was a tyre pressure sensor that was broken, the dealer agreed to repair it but said it had to go back to Dodge for the work. They never arranged the work so in the end we made the appointment ourselves and got them to call Tyneside to authorise the work while we were the
  3. I've been trying to contact the HMRC for over 2 weeks now as my company name changed. Despite calling them in early May to renew my TC, I'm concerned that they may see that contacting them 'too late' about my new company name has changes? What defence do I have? At the moment, all I have is a log of the dates and times I've called when their automated system said 'Were unable to handle you call right now, please call back' and hung up. Cheers, A
  4. Hello! I'm not sure this is the right place to post but is the most accurate I could find for the problem I have. I have actually seen another thread about the company I'm complaining about here, but for now I'll hold on the name. See if someone can guide me in this situation I find myself now: I brought my car from Spain a few years ago, registered it here and some time later I decided to sell it. So I contacted a company I found on line, specialized in buying and selling second hand left hand drive cars here in the UK. All seemed good, a guy came to collect the car in London and to
  5. Reality TV star Kerry Katona has been declared bankrupt again and dropped as the face of payday lender Cash Lady. The former Atomic Kitten singer made a petition under the name Kerry Jane Elizabeth Katona at Wigan County Court, today – less than five years after the last time she applied for bankruptcy. In 2008, she filed for bankruptcy due to an £86,000 unpaid tax bill. Bankruptcy status usually lasts for a year, but Ms Katona's status was extended eventually lasting nearly three years. It was suggested that Ms Katona failed to meet requirements set by the court. In May, an adver
  6. I have owned my Ford Escort Mk 6 for 14 years (since 7k miles, now 118k). I have always used the same local independent garage for MOTs and any repairs, (very few, minor ones - cats, exhausts, brakes, wheel bearings, etc). The previous MOT tester was absolutely straight. I have done 3k miles per year for the past 6 years. At MOT in 2011, my car needed a small amount of welding, with advisory brake adjustment. Last year the MOT failed on a spring, with no advisory. This year the garage changed hands, and the new owner has just been trained for MOTs. Yesterday, my car f
  7. bought a car from a local garage it had been advertised on their website howver when I asked if I could pay by credit card I was told no as it wasnt through the garage it was the owners own car the invoices etc give his private address but the v5 shows the previous registered owner as the garage and it was insured via the garage. As it was an mgtf we specifically asked if the head gasket had been done as this is a known fault. I said I could just about manage to get the cash as full payment and checked that there were no problems explaining I had a commute to work from wigan to preston daily.I
  8. ]Hi everyone I handed back the keys to a property in 1993 when the proceeds from the subsequent sale failed to even cover the amount owed to the first legal charge holder. This company relinquished their claim to money owed in favour of the second mortgage company in 1999. I have had letters from various debt collection agencies from time to time, one offering to agree a settlement but have never responded to any of them. I have today had a further letter this time from Asset Recovery Ltd asking about my identity but my question is this - I know the magic time limit i
  9. After a monumental cock up by the DWP,the decision to refuse me ESA has now been allegedly confirmed a second time,but they've sent me none of the paperwork that was sent to me the first time - which makes me suspicious. What documents can I demand from the DWP to show they actually did a 2nd reconsideration?
  10. I bought a 2008 vehicle with 51000 miles from a dealer and took delivery just over 1 week ago, I found the following problems straight away 1.steering wheel shakes badly @65 mph 2.steering pulls lightly to left 3.heater only works on number 4 position 4.gear grinds going from 3rd to 4th 5.mirror control fell off in hand. I have contacted them to say I want to reject the vehicle but he insists he has the option of repair first, I simply don't want to see it again after all these issues in such a short time but can I insist on refund as I would like? Thanks in advance!
  11. Good Evening all. Yesterday I purchased a sencond hand car from a Dealership. A second hand Fiesta Zetec (2000) for a run around. On the test drive all went well & the car looked in good condition. After purchasing the car, the salesman & myself drove to the Post Office to tax it, on the way it started stalling and running abit rough. He said it had been laying idle for a few days and just needed a run out. Having little mechanical experience I accepted his suggestion. After a 20 mile journey home, I tried starting the car again, it didnt want to know, finally I got it started and
  12. Hi I have a friend who has received a second written warning, she has never received a written warning or verbal warning, she hasn't discussed it with me yet but it doesn't sound like she has done anything serious. What circumstances would warrant an employer legally giving a second written warning having had no other warnings, other than gross misconduct.
  13. Hi there i am new here but have a possibly unique situation. i lost my job and fell into arrears with main mortgage and second mortgage. the first mortgage company have been great and most helpful i am back on track with a suspended money order and paying away. The second loan company are horrible and it took some strongly worded letters to stop them phoning me on the hour every hour. they have not chased me for money for about a year?? i have offered them a token payment recently and heard nothing back, i find it strange that a company who threatened to repossess over a
  14. Hi guys, brought a car from a trader about 3 weeks ago now, about a week ago it developed a fault and i had to be recovered and has now left me without a car for about a week The seller is saying that all he will do is give 5% of the purchase price which is classed as their warrenty, so this means ill only see £85 to get the vehicle transported to a garage, diagnosed and repaired.... but does this go against the SoGA or is £85 the best ill see? if i had the car longer than 2 weeks when it developed the issue then i wouldnt be as annoyed but 2 weeks is silly! any help wou
  15. Hi Would a SAR to a bailiff company produce the paperwork regarding accounts they have collected on Ie Statements of accounts and charges added etc? Thanks
  16. Hi, just wondering if any one can help me. NRAM are trying to evict me from my house. I went to court for not paying my mortgage this july and got a second suspended eviction order. I have now broken this order again by missing 2 payments this was silly of me but my car broke down and needed to by another car for work as no car no work. I have phoned NRAM and told them this but they are proceeding with the eviction. I did another income & expenditure form over the phone with them and sent in everything they wanted ie Bank statements & Pay slips and even made them an offer but
  17. This is likely to be a move we will see from other Councils. It will surely affect those who entered the buy to let market before the credit crunch and find themselves with empty houses as the austerity measures bite. http://www.bbc.co.uk/news/business-20634448
  18. Hi all I’m getting in touch on behalf of the Electrical Safety Council – the UK charity dedicated to reducing electrical accidents and deaths in the home. Electrical accidents currently kill around one person every week in their home and injure 350,00 a year. We’re currently running a campaign about faulty electrical goods and we need your help. Have you or a family member ever bought second hand or cheap electrical goods online or at a market stall and run into problems? Perhaps the product didn’t work, overheated, or even caught fire. If so – we’d love to speak to you. If we use y
  19. The second wettest summer on record has blighted UK harvests and will lead to food price rises, farmers and retailers have warned. Wheat yields in England are down by almost 15% on the five-year average, the National Farmers' Union (NFU) reported, with some areas in the west of England suffering worst from the summer rain. The world price of grain has already been rising in recent months following a heatwave in Russia and the worst drought in 50 years in the US, which destroyed 45% of corn and 35% of the soya bean crop. Read more here :- http://www.guardian.co.uk/environment/2012/oct/
  20. hi there, i have bought a second hand car from a private Car Trader and i didn't get V5C along with it.i have paid him in cheque for the car and applied for V5C at local DVLA but dvla said it would take 4-6 weeks before they can issue me a new V5c on my name. but i am not sure if the person who own this vehicle (who sold it to trander) refuse to accept change then what option i will have to recover my money or keep the vehicle. i also spoke to big name Garage and they have confirmed me that trader is trustworthy and they can produce an invoice which shows they sold this vehicle to priva
  21. I purchased a car on 24/07/2012 from a local garage in my hometown, Leyland, Lancashire. When I got the car the oil pressure light came on when the car was ticking over. I immediately took the car back to the garage, I was told the car was OK to use until they could get me into the garage a week later (they use a third party garage) A few days later the car began to sound very loud/rattley. I also noticed that leaving the stereo on for 2-3 mins after turning the engine off would drain the battery so much the car could not be started. Again I told the garage this straight away and
  22. Hi all, this is a long story but I am so frustrated that im not sleeeping too good and this has been going on just shy of 6 months. Any help or advice gratefully received. Purchased a used BMW at the end of February from a second hand dealer, not a BMW dealer though. Car was £10,500 which was over my budget but my dream car so borrowed a bit and got it. Its 2005 and was described as superb condition with comprehensive warranty. Got a train to get it and drove it the 300 miles home and all was good but 3-4 days after an error message came on the dash with a suspension warning. i
  23. Hi. I seem to be having trouble with the above company with regard to interest rate, increasing monthly payments and charging £50 per month for being in arrears without an agreement. Is there anyone who has had or still has a loan from kensington secured on there house. If so can anyone tell me what the svr was on their loan in March of this year. Also does anyone know whether one can obtain a written statement of kensingtons svr for the last 5 years? Has anyone had their mortgage payment increased even though there was no increase in the interest rate? Has anyone suc
  24. Thousands were left out of pocket yesterday after the Royal Bank of Scotland was at the centre of a new computer meltdown. About 100,000 customers of Thinkbanking, whose accounts are held by RBS, did not have their balances updated because of a technical problem. The hitch came a fortnight after the RBS computer breakdown left millions of customers of NatWest, owned by RBS, unable to access their cash. Read more: http://www.dailymail.co.uk/news/article-2170378/Second-RBS-glitch-hits-bank-s-savers-100-000-customers-balances-updated.html#ixzz203dwi900
  25. No suprises there then. http://www.fsa.gov.uk/about/media/facts/fines/top
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