Showing results for tags 'should'.
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I've now been waiting 5 weeks since I put my application in. Is this normal? My circumstances are very simple; no loans, no credit card payment facilities, no overseas transactions and no bad credit history. I've just been promised for the 5th time that the account will be open in 2 working days.
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Hi everyone, Can anyone help me to quote the right legislation to the Employment Tribunal? I am asking the ET to confirm that I should be administered as an employee rather than self employed. I am paid the same rate per hour as the employees but they get statutory holiday pay and SSP. We all do the same job and report to the same manager. The only difference is the way we are paid. Would there be some claim under the equal pay provisions? I would like the ET to confirm that I am an employee and I would really like backdated holiday pay! Can I claim that and if so can I claim it from the start of my self employment with them? Very many thanks! -
After sending a LBA to my previous LL, who had not secured my deposit (£650) with the TDS, they returned the deposit in full. I re-sent the LBA reminding them of the maximum penalties (3x £650) for non-compliance. The LL has now come back with an offer of £650 in full and final settlement, stating that they were unaware of the law - even though it was specifically referred to in the LL's rental agreement. What is the chance of a claim for the maximum penalty of £1,950 succeeding, now that the LL has made this offer? -
Hello Everyone, I took out a car insurance policy with Tesco Bank Car Insurance on 16.03.2015 and emailed my proof of NCB on 19.03.2015. I was told by them that I should receive an 'auto-response' email, which I did. It was stressed to me however that I should receive a confirmation email that the NCB had been accepted and applied to the policy, which I haven't. I therefore rang them today to ask them for this confirmation and they said that all calls were recorded and could confirm that they had indeed received and applied the NCB. They said that because I hadn't supplied a mobile number they couldn't send the confirmation of NCB, as they usually do this by email and text message (even though they have my email address). After hearing horror stories about Tesco Bank Car Insurance I was immediately concerned as something didn't feel quite right. I stated that I would still prefer something in writing, and they said (begrudgingly) that they'll get "someone from the back office" to put it in writing and I should receive something within 10 working days. I also rang them because their policy states that the main driver (me) and the named driver had held a licence for 10 years, when in fact I've held a licence for 17 years, and the named driver 25 years. They said that because I applied online it defaults to a 10 years maximum. Could this be classed as incorrect information should a claim be made? After hearing that people have had their insurance cancelled without their knowledge, the question is, should I be worried about any of this? Best wishes, Milly
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This was an especially acute problem over Christmas with a lot of complaints on the Amazon website about my Hermes (different from the Hermes network) but this applies to most online sales companies. The issue is this: as a customer you have to pay postage (quite rightly) but get no choice of who is used and usually no visibility of which company before you’ve paid. So, most Amazon purchases are delivered by the cheapest, most unreliable form whose online tracking system is sheer fantasy and is acknowledged as such by many frustrated customers. A company that many would not choose to use is getting their money, paid under compulsion. I’ve asked the question (but received no reply, which makes me think that the answer is yes) as to whether 3rd party sellers on Amazon are obliged to use my Hermes to deliver. Customers on the Amazon website who appear to know the background say that my Hermes had to buy a tracking system if they wanted to get the Amazon contract but bought the cheapest, most unreliable one that had been rejected as totally unfit for purpose by other delivery companies. It feels like a possible abuse of dominant market position, though of course that may be an unfortunate appearance not borne out by the facts. I think if CAG were to investigate they'd get to the bottom of it in a way that individuals can’t. I’d be prepared to put time into this. A good result would be to have a transparent choice between at least 2 named companies (at different prices if necessary) on checkout when shopping online.
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Last year around May June I switched bank accounts from Barclays to Santander. I changed all the direct debits over myself (yes i sat on the phone for over an hour but was so paranoid about something going wrong if i left it up to the banks to do so for peace of mind I did it myself). Turns out I shouldn't have bothered! The only 1 that I had a problem with was United Utilities. I received a letter early September, followed by a phone call the same day saying I was in debt of around £120. My direct debit had apparently been cancelled by the bank. No chance I said, why would the bank cancel a direct debit. I was assured it was the banks fault, set it up again over the phone for my new account and thought no more of it. Just before Christmas I got another phone call saying my direct debit had been cancelled and the last payment I had made was in May 2014. I told them again that I had already had a phone call and set it up over the phone, Then told I was wrong and nothing had been set up at all. I checked my bank statements (I've learnt my lesson the hard way to keep checking more regularly) and its true they haven't even set up the dd. Let alone have the bank cancel it. Again I spoke to someone on the 8th Jan and again gave my details to set it up, its due out 1st Feb so time will tell whether its been done. More recently I tried to get a new credit card and was declined, not sure why as I have never missed a payment on purpose in a long time so just got my credit file today. United Utilities have added a 6 next to missed payments. they have messed up my credit file because they cannot set up a direct debit themselves and would rather blame the bank. I have contacted the bank who have told me they would not be able to cancel a direct debit without my say so. therefore I'm left thinking it is United Utilities who are in the wrong. Sorry this is turning out long How do i go about getting them to remove this on my file. This is the only negative I have on my file and I've worked so hard the past 10 years to get my credit to good standing and out of debt, and now this happens for something thats not even my fault! Any advice appreciated, thanks for reading. -
Received my DSAR from CitiFinancial re; platinum credit card taken out in 2003. received copies of statements and original application form, which includes a ticked box for "Cardholder Repayment Protection" which statements show I paid an average of £20 per month , is this the same as PPI?? I cannot remember asking for this. the statements also shows numerous Late Charges and Overlimit Charges for £20 a time. Also, £5 charges for cash advances. Many advice would be welcomed. -
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A number of frequent posters on the forum have said that they would like to have a thread so that we can discuss the procedures available for debtors if they consider that a bailiff has done something wrong. The thread can be used to discuss a variety of scenarios such as: What is the correct procedure for debtors to take if a bailiff clamps their car which is on finance? What should a debtor do if the bailiff has clamped or removed their car and it is needed for their employment. Can a bailiff charge a fee if the address on the warrant is wrong. PS: We had a similar thread when the new regulations came into effect on 6th April and that was extremely useful and provided a great source of information to frequent posters on the forum. This new thread should be the same. -
Hi All, Like all those before me, I'd like to say this site has been very useful. I was stopped/caught using an oyster nominee card I found - I have used it for a few weeks. To start off with, I know I am in the wrong - much like a few people here, my reasoning behind this was financial (or lack of finances) driven. To be more specific, I have been without an income for a couple of months and at the same time have been paying medical bills (Cancer) for my dad. I have started a new job, and getting a (criminal) record would not only be detrimental but actually stop me getting any future employment in my role (note I have just started a career/working life). Note also: this is my first mistake. I don't know what to do - and even though money is extremely tight - I am considering getting a (payday) loan so I can get/talk to a solicitor. I received the 1st letter giving me 10days to present my case/supporting comments etc. What should I do? In the worse case and I do get a record - is it a "full" criminal record or a "civil" record? (i seem to recall someone writing here there is a difference...) how long would this last/does it get erased? Many thanks for any help/advice -
Hello I am currently going through the reclaiming of PPI from Halifax.. but I am also considering applying for additional compensation to help me make repayments of the loan, I took out a loan through B O S ( Halifax), but insisted on a sound and secure insurance protection.. Reason being that I had a Stroke a couple of years previous and wanted to protect myself.. I was also Self Employed!! So as to kept this first step short. . I went to great lengths to cover myself, and now I have been ill again. . second minor Stroke the Halifax has told me " I am not Covered.. As I had a previous Stroke" Can I ask/Demand additional Compensation to cover the problems I am now experiencing because of the false information given at the time. . I think I have a case, I have the Transcripts from a telephone conversation, Where I ask if a previous medical Condition will effect the policy and the reply being " Not if its over 12 months since you had the Problem ( 1st Stroke) It is also states that I quoted " If I cant have a policy that gives me 100% protection, I don't want ANY loan or credit. So Far I have been ignored by both Halifax Insurance and BoS Any advise or information would be invaluable -
The trade negotiations are an assault on democracy. I would vote against them except… hang on a minute, I can’t.... More ... -
Hi everyone , I hope someone can help me , ive done a few searches and not come up with an answer, I have a couple of defaults on my credit file from about 5 years ago when things got bad with a broken relationship I know i defaulted on them in june of 2008 as i checked my credit file back in 2012 s o if im right they should drop in june 2014 right ? Well they have since been sold to lovell dca and have changed the date to june 2009 so that means they will take another year , can they do this ? Also if they are not allowed to do this what should i do to change it back , i have had no contact with them and was wondering if i send them the SAR will they then take that as me contacting me and have me by the short and curly as they say , Any advice would be great , Thank you
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Hi - been trying to work this out in my head but wonder if anyone has any ideas about this situation of mine, thanks. I have an interest only mortgage - the arrears I previously had were shown on the statements and increased the outstanding balance, which I understand. The new balance then attracted more interest. Later the lender took me to court and had the arrears added to the security, increasing the balance again. Shortly after that they capitalised the arrears - so - assume the balance went up again. Also added all their legal fees. Does this mean that there has been a double recovery of interest then?
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I was quite disturbed this morning when I wondered whether certain Insurance Companies are [problem]ming the public via computer systems which ask you to pay more money than you should be. I am a landlord and insured my first house in early July via Bedford Insurance and a company 'e-unlimited'. I paid £315.13 for the whole year. I was told that when occupied this would fall to £178.13. Due to extensive renovation, a tenant walked into my house on Wednesday ie. exactly 5 months from the date of insurance cover. I contacted 'Bedford Insurance' and after having done some basic sums beforehand was surprised to discover that the money due back to me was less than I expected. I spoke to two insurance brokers who immediately got defensive when I questioned this figure stating they were simply doing what the computer had told them. Given there was a discrepancy of £7.28 in my favour, I asked whether I could speak to a manager. Credit to the manager, he did phone me back this morning, much to my surprise, and he bothered to go through the sums in detail with me. He suggested that insurance quotes go up and down and therefore wondered whether the £178.13 quoted to me in early July was now higher. On checking, and much to his embarrassment, it was a little lower! He agreed with my sums and then, almost flippantly, said he would offer an additional £10 on to the quote the computer gave me the previous day. This leads to a disturbing question: How many people are paying more than they should be because the computer has got the sums wrong? Or more conspiratorially, are some companies purposefully manipulating the computer system to achieve financial figures very much more in their favour? -
My DS would like an Xbox One for Christmas. He currently has a 360 but all his mates have the new one so naturally he doesn't want to be left out. My question is, are they really worth it, they are so expensive. He is paying towards it with his birthday money so that's OK but is it really worth the extra money. He keeps telling me that the graphics are brilliant but he doesn't have a flash telly so no sure if he'll see the benefit of better graphics. Also, do you really need the Kinect with it, seems that's only needed for voice activation. Anyone's views would be very welcome. I'm happy for him to have one, I just don't want him to waste any money. Thank you. -
I have been working for an agency for 4 years now, doing the same job, on the same site for 3 and a half of those. A couple of years ago, the company started taking on 'flexi' workers. A couple of months ago, i was advised to apply for this round of 'flexi' jobs. I asked if the job i have been doing is available as one of those jobs, and was told, in no uncertain terms, that no, there will never be a flexi worker doing that job. On that basis, i didnt apply. I have discovered yesterday, that indeed the flexis are taking over that job. Is there anything i can do? the flexis they gave the job to, are less skilled, and much less experienced, and at least one is waiting to get his qualification so he can even start training. -
My job is in the public service for nearly 20 Years. The last two years has worsened, cutbacks, blame, toxic atmosphere, confusion. The last Year has been hell, since my new Manager arrived. I see think she is an autocratic perfectionist who focuses on the negative aspects in people performance, including me, who make a few errors under the pressure of our jobs ( though she has her favourite‘pupils’ ), whilst she side lines the positive bigger picture. Praise, when it comes feels shallow / awkward. We are all facing the Performance Improvement Plan if our standards don’t improve. I see this as a threat and not a tool to really improve my performance. I look at some of my feedback / performance and realise that I often perform at 100% accuracy and quality. Occasionally, my performance dips and it is this that she targets as a complete failure and sees it as a personal failing rather than the lack of training and poor procedures in place. Recently, exit packages were announced for June next Year and I have volunteered, awaiting decision soon. I’m 53 Years old. Fortunately I have paid my mortgage. No debts and have saved 5 Years’ worth of salary and no dependants. It’s not enough to retire on because I still hope to have Years ahead of me in some kind of work. I have not had sick leave in 4 years but I’m stressed to the hilt and need to leave and live my life without this mindless blame culture / poison. I want to leave now but obviously there will be no payoff and future employers may be curious. If I endure this for the next 7 Months, I might get the payoff or they could sack me for incapability within three Months which wouldn’t look good. Either way, my health will suffer further. My union wants to fight this but not sure that I want to drag it out. I just wish they would pay be off now to avoid the time wasting and expense of an improvement plan which is flawed. I’m interested to here from anyone with a similar experience or for your thoughts. Many thanks:!: -
Had 285.89 outstanding on this year's council tax which I paid online to council this morning. Got home to find hand posted bailiff letter demanding 661 + 75 + 235 stating they will call again at 6am Saturday I have emailed council requesting they call off bailiff ASAP as paid. But considering bailiffs figures are out of date guessing communications are poor and they may call back What can I do? Do I owe bailiff 310....which is greater than what I owed the council!? Help much appreciated as very concerned -
Hi, I hope someone out there will be able to help me - I am currently having problems with a local car dealership who are insisting I return my temporary car and take my original car back. However I consider it is unsafe to drive, following three major issues in a 5mth period. The engine blew up in Apr 14, then the car had complete brake and steering failure in Aug 14 while I was driving it which was terrifying. I have tried speaking & writing to the dealership, HP finance company and manufacturer however they are all passing the buck and its difficult to work out who is accountable. Effectively I feel the product supplied is under parr - not of reasonable quality & I now feel unsafe in it. A day after the full brake failure, I received a call from the dealership saying the car was tested and ready. Later it turned out that none of the work had been done on the car and the car was still unsafe/unfixed when I was told that. I voiced serious concerns about this communication and said that following that and issues with the car, I no longer had faith in either the dealership or the vehicle make. On this basis, I advised all parties in August that I was unwilling to accept the vehicle back however they fixed it anyway and tried to make me take it back - to date no reasonable offer has been made. I have received a number of letters stating they want the temporary car returned and mentioning police action, lack of insurance, my car getting vandalised at their premises. The dealership have phoned me on my work number numerous times a day last week, despite me asking them not to phone that number they continued to do so. I have continued to make my mthly HP payments on time every mth and have not breached any of the terms of my agreement. I wrote to the dealership, finance company and manufacturer recently and pointed out I was still paying for a car and therefore it seemed reasonable I keep that until I was made a reasonable offer of an alternative or compensation. As I was paying it seemed reasonable whilst negotiations were made. Throughout this, the dealership have continued to make approaches to dump 'my' car back with me and take away the temporary car - I believe this is now verging on intimidation as they're hoping I'll give up and just walk away. However I cannot now go to another brand as they have my deposit and I also haven't had the car I've been paying for during most of this year. The last response was that an independent garage (of same manufacturer brand therefore not in effect an independent) had inspected it and said the brakes were fine. Due to issues encompassed, I feel no more reassured about the car, brand or dealership. Just to clarify I am 18mth into a 3y HP agreement Mar13-Mar16 but as a result of the lack of faith I now have in the vehicle and dealership, I have requested they release me from the finance agreement and repay a proportion of the money I have paid so that I am not left at a disadvantage as a result of poor product supplied. I paid £1000 up front & 19mths x £283 p.m. I have stumped up quite a phone bill, taken a number of hrs/ days off work, had an under parr product since engine replaced Apr 14 (noisy, extras missing, poorer acceleration, poorer fuel consumption, was also advised replacement was hybrid of two brands as they couldn't source one - this has now been denied by the manufacturer.) As I've not had 'my car' at all for 4mth of this year I'm thinking I would like to seek compensation along these lines- Goodwill return of deposit £1000 for all the issues I've had to put up with + 1/2 the mthly payments (Apr-Oct 14) £994 because I haven't had the car I contracted to. Do you consider this is a reasonable request and if so, who should I hold accountable? I am prepared to take this to small claims if necessary and was thinking I may write a letter of intended action if someone can point me to who that should be against. thank you for any advice you may be able to offer. They've told me I'm no longer insured in the temp car so it's now sitting outside my house and I'm without any car at all despite fact I'm paying them £283 p/mth.... -
[ATTACH=CONFIG]54082[/ATTACH] Mom parked the car here. The black car and got a PCN. Directly under a UKPS sign that says private and no parking. Is there any point in appealing? She wasn't thinking as it was packed with cars and when she got back, everyone got a ticket. There was no markings on the road at all. Also the grace perid of 14 days is tomorrow. She just showed me the ticket and asked me to pay.. sigh
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There has been discussion on whether some jailed for life should be kept inside for the whole of their lifes. Should this be the case, no matter how much it costs or should the government look at other options ? If someone is kept in a maximum security prison for 50 years, that would cost approximately £2.5 million. This is the equivalent of the tax paid by 500 full time workers on average salaries. How would these people feel that their hard earned tax is going on paying for murderers meals, accommodation, plus their funeral costs at the end of their life ? While I do not support the death penalty, when you work out the costs of justice and that the family of the murdered may be paying their taxes to feed/house these people, it does make you ask the question. -
http://metro.co.uk/2014/10/15/tory-work-and-pensions-minister-disabled-people-not-worth-minimum-wage-4906892/?ito=v-a I think even his own party should be calling for his resignation. I would say that 90% of parliament are not worth what the tax payer is shelling out for them.. especially when they make crass statements such as this ?? -
http://www.independent.co.uk/life-style/gadgets-and-tech/iphone-6-plus-bending-irate-apple-fans-report-new-smartphones-bending-in-pockets-9752204.html -
Got issued with a CCMCC, with court fees and sol costs. Called up original creditor and paid the original sum excluding the fees. Do i need to pay the fees? I called up the sol involved and told them I have paid the original amount. They said they still intend to go to court to get the fees. Is this correct?
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We have been asked by neighbours to seek advice on the downward spiraling values of our properties due to the numerous drug rehabilitation, wet houses and homeless hostels which have been opened with no consultation in our direct vicinity. Can you advise?
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