Showing results for tags 'still'.
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Over the last few years, Npower always seemed to increase my DD around October time (the bill would likely show that my usage had left an underpayment of around £50.00). Npower would then have to refund me almost £100.00 around June of the following year. This because the increase in the DD was quite substantial between £20-30 increase. This year it would appear I am £29.60 in CREDIT - yet they have still increased the Direct Debit although for a much smaller sum of £6.00 per month ? -
Are UKPC still unable to retrieve driver details from DVLA due to their fraudulent actions? -
Hi All. I bought my car back in November privately for £5500 cash. I asked if there was any finance outstanding etc which they said no. Just before Christmas I fell ill with my kidneys and now await an operation. Unable to work and having started a new job I do not get sick pay losing £630 per week. Now my rent is due along with lots of other bills. I made the decision to sell my car, downgrade and use some of the money to left to pay off rent and essential bills. I took it to a garage saw a car we liked. Arranged to swap my car and get £1200 back. The dealer checked my car out to find out there's an outstanding finance agreement. I spoke to the creditor, who is Barclays personal finance who agreed there is an outstanding agreement and they require some forms to be filled out which I have done. I had to write down where I bought it. How I paid. If I had a receipt. When buying the car the seller drawn out a receipt stating how much I paid for it and when and we both signed it. It also asked if I knew if there was any finance outstanding which I didn't and if I had done a hpi check which I did not. I have also sent copy of the log book showing Last owner. i also wrote Down I bought the vehicle in good faith , which I did. Now that was a few days ago. This car is the only thing what can same me my partner and our 1 year old getting kicked out. We had some savings but that went on last months bills and Christmas. I need to sell the car but now I may lose it and have nothing. I took out a loan to pay or the car initially so we may lose the car and pay for something we do not have. I have read that if you declare the car was bought in good faith and you have a receipt of some kind they will let you keep the car . However I am unsure about this. Someone said just sell it anyway as they will just remove the hpi mark as I bought the vehicle in good faith. Is there anyone who can help me with this as I'm making myself more I'll worrying about this and my family getting kicked out. I am a hard working person. Pay my bills and provide for my.family and now this has happened. My family can't help as they are elderly. I just have no where to turn to. CAB were useless, as where the finance advice line. all I keep being told is to seek financial help from family. Which isn't an option and we can't get loans as I went bankrupt a few years back due to my employment going down after a bunch of break ins. Please help -
HI GUYS Just doing this on the behalf of my bro who is 26. He has been off work for 6 months now. He has a part time job cleaning a school. He is still sending in his fit notes to his manager but wants to know if he can also have his holiday pay with it. The holidays restart from 1st jan next year. His contract says that he can't take any holidays over to the new year. So where does he stand? His manager don't tell him what's going on and mostly keeps him in the dark. Can he asks to speak to someone over this like HR? Any advice would help him lots thank you in advance! -
Bankruptcy - Does he still have "beneficial interest"?
adw1104 posted a topic in General Debt Issues
In 1996 my husband was declared bankrupt following a business failure. At that time I took over paying all the mortgage payments including all the insurance endowment premiums. At that point there was no equity in the property. In 2006 the Protracted Assets unit of the Official receivers "took" my husbands share of the property and the endowment policy although, by that point, I had been paying all the mortgage/insurance premium payments for ten years I made no effort to prevent them from doing so, I realise that was probably a serious mistake but it's spilt-milk now. The property was eventually re-mortgaged (in joint names) to pay the receivers and my husband's name remains on the deeds, just because we never took it off. We did sign a Tenants in Common agreement giving me 100% of the equity in the home but did not enter it with the Land Registry, because we didn't anticipate another bankruptcy situation would occur. I continue to pay all the mortgage payments and all the endowment premiums with no help from my husband to this day. As a result of another business failure my husband is now considering bankruptcy again although he is in negotiation with his creditors, they are not showing much enthusiasm to agree a reduced settlement presumably because they can still see his name on the house deeds. He cannot get a DRO or IVA due to the size of the debt and his lack of income at present. All the debts are credit cards and therefore unsecured. The endowment policy has recently matured and I have the funds secured in my own private bank account. I paid the premiums for 20 years and I consider these monies mine. The interest-only mortgage is due in about ten months and these funds will be needed along with other investments that I have made alone. What I want to know is: Given that my husband has contributed nothing to the mortgage and endowment policies for the last 20 years are his creditors or the receivers going be be able to get at my home, again, simply because his name appears on the mortgage and deeds? Will either be able to claim a share of my endowment savings from my own account? Is it worth me instructing my own solicitors to protect my interests should court or bankruptcy proceedings begin or will I just be wasting my money? Thanks in advance for any advice. -
Could I ask please. I bought a tumble dryer online from Co Op electrical 4 months ago. A week and a half a go it just stopped working. I called AEG the manufacturer, the chap got me to press several buttons in sequence so he could see what the fault was. Seemed to think circuit board had gone. I called Co op, they said I have to have an engineer sent out to fix it. They were supposed to show today but called to cancel saying the part had not arrived and don't know when it will. I called Co Op again and told someone would call me back, but that did not happen as promised. I tried quoting them the under 6 months old and deemed to have the fault from new and would like it replaced, but they said no has to have an engineer to fix it. So I've waited a week and a half already and no idea how many more weeks before an engineer can visit. I've got wet washing hanging everywhere! Any pointers to how I should proceed with this appreciated. Ideally I just want a new one, if its gone wrong in 4 months it does not bode well. Many thanks -
Hi, After applying for a payday loan, I got through to the final stage of the process - where the loan was confirmed and I would next hear from the company when the money had been deposited. 'My account' page on their website showed the loan as 'approved', but the application was still 'pending'. I had to speak to the company on the phone to confirm financial details before the money would be available. Following this telephone conversion I was informed that the loan would have to be declined. 'My account' page on the website now shows that I do not have any current or outstanding loans with them. However, now comes the interesting part, the funds (total amount of loan requested) were deposited into my account. There's no option to pay the loan back as my account shows that I don't have any outstanding loans. Any thoughts about this would be much appreciated. Should I contact them to repay the money they have deposited in error? Or should I keep the money? Thanks in advance. -
Hi I have just notice that I have been charged an "unplanned overdraft fee" from Lloyds TBS, this is there new charging system. Can these be claimed back the same way?
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Hi My husband and I have both had contracts with vodafone for many years. When it came time for me to upgrade 2 years ago, vodafone offered a discounted deal if I took my phone as a second phone on my husbands account. This was a decent deal so my contract ended and his had both our phones. Two pay monthly contracts. Fast forward 2 years and my husbands contract for his phone ended and he upgraded to a new contract with vodafone. April this year the second phone contract ended (my phone). I waited a few months to decide what I was going to do as I will still happy with the handset. I then decided to take a new phone contract out in August in my own name with vodafone. I called them to advise I wanted to keep my old number. I explained the situation that my old phone was a 2nd phone on my husbands account. No problem they said. Here is a PAC code... Ever since then it has been a nightmare. Apparently what should have happened was that my old number should have been converted to pay as you go to allow me to keep the number and port to my new phone. Instead for over 3 weeks nothing happened Then, after countless phonecalls and different pieces of advice we were told that it would be sorted... Again, nothing. Then my husband discovers he cannot make any calls. Lo and behold they had switched his number to pay as you go instead of mine. Commencement of another endless number of calls. My husband spent HOURS at his work phoning vodafone because they would not talk to me as the 2nd phone (my number) was on his account. Having said that, some of them spoke to me so not a hard and fast rule clearly. I then spent HOURS and HOURS and HOURS and DAYS and MORE DAYS on the phone to many many different departments and indeed countries. Several times I was assured it wolud be sorted. Indeed, the last person even got their manager to apparently sprint down to the floor below to speak with a superuser who was going to wave his magic wand. And still nothing. I was assured phone calls back. Nothing. Still nothing. S o, my husband, who needs his phone for work, is still on a Pay As You Go. My old number is still active so we are STILL paying this contract even though it should have ended in August. My new phone I am paying for but has a new number. It is also not receiving calls. I only receive the odd call and the remainder of the time when people try to call me it goes straight to answer phone. I can be holding the handset when someone calls and it doesnt even ring. Someone told me my old number had now been lost then someone else told me that wasnt right. I was told my husband was no longer PAYG and was back on contract the I was told this wasnt right. Seriously, are they actually just taking the absolute...... ? I cannot bring myself to waste another entire DAY to explain the situation again only for nothing to happen again. I need vodafone to cancel my old contract and reimburse my money (or to my husband as was on his account) I need them to reactivate his contract and cancel his Pay as You Go as this phone should never have been touched. I need them to transfer my old number to my new phone. I need them to find out and fix my phone so it receives all calls. The internet is also much slower than my old iphone 5 (this is an iphone 6) I need all monies reimbursed that are owed to us. This has been ongoing since August 21st with no resolution and not a single call back from anyone who said they would. PLEASE HELP!!!! -
The number of people who have failed to claim premium bond prizes has broken the one million barrier. More than £47million is waiting for winners unaware they’ve won a cash prize. Three bondholders have scooped £100,000, four have won £50,000, there are three lots of £25,000 to be claimed and 19 of £10,000. Read more: http://www.dailymail.co.uk/news/article-3299629/The-number-people-failed-claim-premium-bonds-passed-one-million-including-25-prize-1957.html#ixzz3rNkdwLEq http://www.nsandi.com/do-i-have-any-unclaimed-prizes -
Hi all, I had cause in January of this year to raise a grievance about a colleague. To explain, I work alone on a long shift and take over from a person who has worked an identical shift during the previous night (ie we cover a 24 hour period) When I arrived, and he eft, I noticed that he hadnt performed the work that he was supposed to do. This had happened before, but on this occassion, I decided to complain about him, and took photographic evidence to suppport this. When my manager interviewed me, which was about 4 weeks later, he viewed the pictures, and also cctv footage, which I also had a view of, showed the person who I was complaining about, performing an act which would be described as theft. I wont go in to what the incident was, as it is not pertinent, but I upgraded my complaint of harrasment and bulying, due to him leaving me to do his work, to an allegation of theft. The manager did not interview the other employee until July, with no explanation to me as to why the timescales for grievance procedures had not been adhered to. Following the interview, the manager came and 're-interviewed' me in Septemeber. At the start of the interview, I asked if the other person had admitted to my allegation and the manager confirmed that he had indeed admitted it. When I claimed that this should surely be all that he required to make a decision on the incident, the manager said that it wasnt because the other employee, during the interview had made counter allegations about me. These included me allegedly holding him against the throat and threatening physical injury. He also gave the manager a number of random covert voice recordings of competely unrelated conversations between the other employee and myself. the manager said that even if they were damning towards me, that they could not be used as evidence. Since that date., I have sent three emails to the manager requesting a copy of the notes of this interview, and he has complately ignored all of them. Whwether it is pertinent or not, the other employee brings in a lot of revenue to the company by way of issuing ticket enfocement notices on cars. My question is, what can I do as an employee who works alone, and is not in a union to get a resolution to this issue? I have worked there for just over two years now. thanks for reading this
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Hi, I recently moved out of a room I was renting in a shared flat. I gave what I thought was supposed to be one months notice about a week before my contract ended. After giving my notice my landlord informed me that it was supposed to be two months notice and I would have to pay rent until they found a replacement tenant for the second moth. I then told the landlord that I would stay for the two months. He said that I can't stay two months as he wouldn't be able to find a new tenant that close to Christmas. After I emailed him telling I would be staying for the months if there's a chance I would have to pay for it anyway he replied saying I was messing him around and I should move out immediately. After this I phoned him and we agreed that I would move out in two weeks. It has now been 10 days since I moved out. I have emailed him several times about my deposit and still haven't had any reply. Where do I stand with this? My contract does say that I should give two months notice but then he said I couldn't live there for the two months and to move out immediately. Is it worth using the ADR of the deposit protection scheme or should I just accept that I won't get my full deposit back? Thanks. -
I had a couple of bank accounts dating back to around 2011 go deep into over draft and then I left the country and abandoned them. Not big, not clever, but it is what it is. These particular accounts I had attempted to claim the bank charges back on during the test case a number of years back and been refused when the test case failed. Now that I'm being chased for these debts I want to try claiming back the charges again, which I am fairly sure totalled around the amount, or even more than the debts (which are £2100 and £730 respectively). These charges, however, go back anywhere from 5 up to 12 years distant, and I'm not sure I can claim these back any more, or if the bank will still have the information regarding them on file. In addition to this 1st Credit have indicated that they are now the holder of all information pertaining to these accounts and I imagine I would need to ask for any statements through them. Any help on how I should proceed would be lovely. I have not yet acknowledged the debt with 1st direct, fairly sure its not statute barred yet. -
Just under 2 years ago my Barclaycard went to Mercers, and I received a default notice on Mercers headed paper. The account was then transferred back to Barclaycard. I've been trying to keep up with the reduced payments (£50+ per month) they then agreed with no interest, but having been back to CCCS with my current situation they advise a £1 token payment at present. Things are due to improve once priority debts are paid off but this will take about 12 months, and I am now on a payscale ladder so things will improve next year. Barclaycard have refused this offer and their previous letter said they would send a default notice if I didn't send the £50+ payment in 7 days, and will add interest again, their current letter says they will send a default letter if I don't contact them (no timescale given, but it is strongly implied that I telephone) Can someone knowledgeable please advise the 'rules' and implications about a second default notice for the same account? Thank you in advance.
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hi all - general question on behalf of a colleague - if a settlement out of court is achieved directly with TOC are there any trace records that police / imigration this could surface up on please? i read somewhere that even if you settle, whilst no criminal record surfaces, there are other more detailed checks (Enhanced CBA) that may still pick this up? personally i am not at all convinced as the only record would be on the TOC DBase and the matter being settle financially suggests any record would be more akin to a Penatly Fine than anything more serious. views? thank you in advance -
It's a 'only wish it happened to me' moment, when Amazon (well marketplace trader) put the wrong price on an item in my favor. What is the position in insisting that I get the items I bought? I think much depends on 'the contract'. ie is it an offer and your acceptance -or- is it a contract? So far I have found in the "The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013" Under part 5 section 42 paragraph (3) states: Unless there is an agreed time or period, the contract is to be treated as including a term that the trader must deliver the goods— (a) without undue delay, and (b) in any event, not more than 30 days after the day on which the contract is entered into. So some hope? However, I note in my case, that Amazon have in their T&Cs regarding 3. PRICING AND AVAILABILITY "Despite our best efforts, a small number of the items in our catalogue may be mispriced. We will verify pricing when processing your order and before we take payment. If we have made a mistake and a product's correct price is higher than the price on the website, we may either contact you before dispatch to request whether you want to buy the product at the correct price or cancel your order." Anyone any idea how to test the validity of this clause?
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hi, I have recently started the dreaded work programme, however I have been offered a P/T job, 20 hours a week, which I found myself.. now I don't want my work programme provider to know anything about this, I want to just sign off and forget all bout the JSA and the work programme, however I will still need housing and council tax benefit, can the work programme provider stop me getting this if I just ignore them and not keep in touch with them? thanks -
A relative has approached me to ask for help with their ESA claim as they are still only in receipt of ESA at the assessment rate after 15 months. From the information I have it appears that they were claiming as a sole claimant in their own right initially. Then she advised that she was in a relationship and the claim was adjusted to reflect and became a joint claim. During this time, in order for her to maintain her own N.I Contributions she was to attend a medical appointment with ATOS. However, the first appointment conflicted with a family court hearing and they sent out a new date. The second medical appointment actually fell on a Bank Holiday and I took her there myself and the doors were locked and no one was answering the telephones. The DWP made no effort of apologiy and a further appointment alledgedly was sent out, albeit was never received. The relationship ended and she made a new claim in her own right in May 2014 From a timescale point of view, this relative has been on E.S.A. Assessment rate ever since and DWP have made no effort to arrange a new medical appointment for her. She has Mental Health issues and is unable to budget due to her capacity. This is causing severe distress and I am seeking your advice as to what legalities are available as ATOS are no longer involved. How can we get this situation moving?
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A unique Which? poll of bank staff at the five major banking groups found more than one in four who work in sales sometimes feel they’re expected to sell regardless of whether it’s appropriate. Which? gained unique access to hundreds of bank staff for the research, which was designed to test whether banks' public statements about scrapping sales targets have translated into real changes in staff behaviour and culture. We found evidence of improvement in some areas - for example, 78% of staff told us there is currently a greater emphasis on customer service than on selling products. However, it's clear the banks have more work to do. In our survey of 383 front-line bank staff from Barclays, HSBC, Lloyds Banking Group, Royal Bank of Scotland and Santander fewer staff said they feel under pressure to sell because of the culture in their bank http://www.which.co.uk/news/2015/08/poll-of-bank-staff-reveals-hard-sell-concerns-412851/
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I recently had an offer of £700 as a full and final payment accepted by Barclaycard. This was paid and I received a letter from them stating that the account was now settled. Today I got a statement saying I had a balance of £541.38 and that includes £18.75 in interest. What should I do? Should I just ignore it or call them? Any advice greatly appreciated.
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I would like some reliable advice on my current bailiff situation. A bailiff recently turned up at my parents home, I own the house, they are tenants, with a tenancy agreement. The bailiff refused to acknowledge this and gained entry by placing a foot in the door and pushing my elderly father aside. He then took an inventory of their belongings and bullied my father into singing the inventory. During this time I spoke to the bailiff on the phone, advised him I was unaware of the money owed, was happy to pay and did not live at that address. Bailiff refused to acknowledge this and later returned to my parents home and threatened them with the police. The bailiff did not, at anytime allow my parents to read the warrant, behaved in a threatening manner throughout and were physically intimidating. I contacted the police who advised my parents to call 999 if they returned, contacted the bailiff company and attempted to explain it was not my dwelling, nor were my goods in the premises and my parents were third party. I have also had my father make an affidavit to that affect and spoken to the council. According to the bailiff company the bailiff will return to my parents home tomorrow and again attempted to gain access despite these steps. Any advice welcome, many thanks -
We all (hopefully) know that continuing to use Windows XP is a risky business. The operating system stopped receiving security patches from Microsoft in April 2014, which means anyone still relying on the platform is at risk of being impacted by vulnerabilities that are being fixed in more modern versions of the operating system. In other words, XP users are living in a state of perpetual zero-day. But, perhaps you decided to persist with Windows XP, despite the pleas from Microsoft to give it up, and the advice of security professionals. Maybe you decided to run a freebie anti-virus solution like Microsoft Security Essentials on your XP computers in an attempt to protect yourself from the uptick in vulnerability threats and malware attacks. Well, now you have an additional problem. Because Microsoft officially ends XP support for its Malicious Software Removal Tool and updates for Microsoft Security Essentials today. Actually it ended on the 14th -
Hi all, I have received a letter today from Hamptons legal regarding a debt I have with O2 - although I have never made any payment and have a SAR or the equivelant you receive for a mobile debt. Basically the jist of the letter is thus - We are now going to request a copy of your credit file from Experian the credit reference agency, which will help us decide what form of litigation is best for us to recover the monies that are due. Any ideas folks?
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Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 yearsicon old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please? I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them. Thank you Maybe
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Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 years old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please? I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them. Thank you Maybe
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