Showing results for tags 'which'.
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Hello, all, I'm sorry I haven't been on in a while due to illness/back to back forms. I hope you are all well. As it's been five years I'm not sure what to do in re a debt that's been in dispute since May 2011 - sold by RBS/Mint to Cabot, from whom my husband has had a letter last month. In 2011 the then collector Regal Credit closed the account as they could not provide documents as requested by my CCA. Cabot's letter just says they will be in touch, not sure if I should wait to hear from them or CCA them now and/or mention the debt has been in dispute for five years? I have the link to how to do a CCA of which I've sent many - I'm reading the link thoroughly as I know things have changed which is why I'm posting this, to make sure I'm doing the right thing. Many thanks for any advice and I hope you are all well. Best wishes HY -
Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
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My Dad got work done at his house where I live 4 years ago. The electrician didn't do something he asked for so he cut of £500 from a £20,000 bill. Today I get a update from Experian that I have a CCJ under my name issued yesterday. Having spoken to the court it turns out that the Electrican issued a CCJ at our old address where we moved from 4 years back. I never got any of the letters or did I get any intimation from the court AND I am not a part of this at all. I only live at my dad's house and the claim should be between these two. I have nothing to do with the bills for the building of my dad's house. My Credit score just dropped from a 5/5 to a 1/5 for something I am not involved in or knew anything about. Spoke with the court who have suggested I pay £150 and do a application to set aside the judgement. Also spoke with Experian who say they will put this down as fraud as it has nothing to do with me but they will need to investigate and can't guarantee that this will clear my record. Also the claim is issued under a misspelt surname. Does that make any difference? What should I do????? Some guidance would be highly appreciated. I have worked hard to keep my Credit history good and one wrong swipe has just ruined it. -
To take the discussion off another thread, there is an idea that councils can now attach to DLA or the new PIP to recoup Liability Orders, this is problematic if said benefit is funding say a Motability car on lease. Can we look at which benefits can lawfully be attached to so we can frame best advice? -
First let me say hello and thankyou in advance for any advice or help. A brief account of my problem... Received court letter from hoist holdings re debt from Lloyds. It is a CC and was used from around 2007 - defaulted around 2011 . They are claiming in total with court fees and interest a total of just over 9k. They have and will continue to add interest every single day so this debt will only get bigger. This is what I have done so far - 1. Sent a letter to hoist holdings asking for copy of credit agreement etc 2. Sent letter to their solicitors requesting CPR...agreement/contract and Default notice. ** its not really relevant but it was never my intention to get to this postion. the CC was taken out while I was married and naively I thought that my job would be secure..my marriage would last... In 2011 it all changed and I found myself divorced and on job seekers.. I did in 2011 write to folk with a breakdown of my finances and a letter explaining my situation. Offering a token payment with the promise of larger payments when I found work etc. They did not want to know, and went on to sell the debt on... ** Sooo fast forward to now. And I got the court letter... which I have dealt with as above. I have looked on another website and only seen this website today. I wonder ----> what forum would be best for me and this issue? any advice or comments would be appreciated. Thankyou folk :0) -
I think it would be useful for CAGers to list which insurance companies use Albany Assistance for claim management given the widespread reports of Albanys practices which it seems many find troubling, including: Excessive charge bump up for hire cars Requiring fully comp insurance holders (including those with hire car included on their policies) to sign credit agreements Long unreasonably drawn out periods where nothing happens It would seem Albany wont do ANYTHING unless you sign a finance agreement and agree to their inflated car hire. Google: albany assistance claim management problems Please include a link or two, or your personal experience supporting any companies inclusion Heres the first I've found who apparently use them. Please correct any that are wrong Hastings Direct (confirmed by reps of Albany and HD here on CAG) (http://forums.mercedesclub.org.uk/archive/index.php/t-119377.html) (CAG search Albany) Admiral (I was considering Admiral for my renewal) (http://kwaichi.com/2012/07/17/terrible-cold-calling-whiplash-claim-companies/) (http://www.theguardian.com/money/2012/jul/06/albany-elephant-car-crash-claim-excess) Diamond (http://commonvehicleproblems.com/non-fault-accident-been-reffered-to-albany-assistance.html) Now I'm not saying that any other claim management companies are any better, but these folk do seem to me to lead the way to a world of stress, pain and disappointment at a time when you will already have more than enough - quite the opposite of what they should be doing it seems to me. When I pay fully comp insurance, I want service, not grief if the worst did happen.
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Hi there I would like to ask for advice re unfair parking charges at Lidl / Athena car park in Eltham SE9 Thanks Ross -
The Consumer Rights Act 2015 is the biggest shake up in consumer rights law in a generation and seeks to simplify, strengthen and modernise UK consumer law. The act replaces three big pieces of consumer legislation - the Sale of Goods Act, Unfair Terms in Consumer Contracts Regulations and the Supply of Goods and Services Act. Which? has produced a guide to the main changes in consumer rights which came into effect on 1st October http://www.which.co.uk/consumer-rights/regulation/consumer-rights-act#link-1
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Couldn't think where else to pose the question Any suggestions which body within England and Wales prosecutes s.50 offences and does anyone have access to any reported cases? Relevant section at the following link http://www.legislation.gov.uk/ukpga/1974/39/section/50
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Hi I need some urgent advice. Can a HCEO take my car which is on finance? V5 is under name but I believe that its not proof of ownership? If answer is 'Yes' to my question than what rights a HCEO will have if I sell my car to my spouse or my company of which I am sole director and shareholder, is that any good? Any replies would be highly appreciated. -
I purchased a Sony LCD 40 inch TV from Preston Sony Centre, the store closed about 2 years ago. The TV failed just before the expiration of the 5 year warranty.Ii contacted the parent company Sony who told me to take it to the nearest repairer to me. The TV according to the repairer can't be repaired economically as the part is no longer available( although Sony say they will have parts available for 7 years) therefore the whole screen would have to be replaced. The repairer cannot get the parts from Sony and Sony keep telling me that they are looking for the warranty. This has now been going on for a couple of months. i didn't receive a third party warranty certificate to cover the 5 year warranty when I took delivery of the TV only the standard Sony warranty paperwork. Preston Sony Centre was a franchise operated by a company by the name of Willo who have now gone into administration. I have tried on two occasions to contact the administrators to try and find out who the third party insurer was , however I have had no response todate. Is this a lost cause or can anybody offer some useful advice. If so it would be much appreciated. thank you -
Which? is urging Government, regulators and businesses to renew their efforts to call time on nuisance calls and texts as complaints continue to rack up in the tens of thousands. After finding that a quarter (24%) of people don’t know where to complain when they receive an unwanted call, Which? are making it easier by launching a new online complaints tool so offenders can be identified and punished. They are urging consumers to report nuisance calls and texts to give regulators the vital evidence they need to take action against companies breaking the rules. This tool is powered by Which?. It helps determine who you should report nuisance calls and texts to and automatically issues a complaint on your behalf, subject to your approval. To stamp out this everyday menace, we need to get more people reporting nuisance calls. Please use and share our free nuisance call reporting tool today. Report a nuisance call -
Hi, I'm trying to find out the service provider of a telephone number. I have had this number for a contact in animal rescue for years and not been in touch for a long while, now I need to get in touch, the number is a problem. The number rings for ages then a female voice tells me "sorry there is a fault, please try again" so I do, and get the same message. I am ringing from my landline as I have no coverage in my home. I tried to report the fault to BT, but when they found it wasn't one of their numbers, their suggestion was to ask the person (the same one I am trying to contact by phone) just who is their service provider. The number used to be a BT number. BT tell me that the account was closed. So, is there any way of finding out who provides this number now, so that I can report the fault and hopefully, finally get through? I have no email address or mobile numbers for this person, so other than a long drive into the city to visit, I am a bit stuck. I am hoping that the number is the same and the person just kept the number when they switched service providers. Thank you for any advice you can give. -
The IFA is long gone as he was associated with an Estate Agent and no longer works with them The policy is on a Norwich Union Life Insurance product I am still paying for with about 10 yrs left - the Payment protection was added onto the policy and I remember feeling quite pressured at the time to include it Who should i put a claim against ? The IFA or the company I pay premiums to Is there a standard letter I can send to activate the claim and start the 8 weeks countdown that the Financial Ombudsman require? Also would I need to request a SAR from Norwich Union (now Aviva) as I think when I moved overseas I may even have requested the PPI be cancelled Thanks, any help would be appreciated I am all at sea with this whole process! -
Hi everyone I have a dilema I could use some advice with. I challenged a Default with QuickQuid for a previous PDL which was Defaulted in 2012. My argument was that they had failed to act responsibly by preventing me from setting up a payment plan until after the account was sold and a Default had been filed. Had they agreed upon a repayment plan the account would have been settled within a couple of months without any Default being registered or the account being sold on. Ultimately my complaint was escalated to the FOS who, in agreement with QuickQuid, have agreed the best course of action would be to set up a repayment plan, remove the Default from my Credit File and update it to "Arrangement To Pay". Although I am more than happy to see the Default gone and clear off the balance my concern is how much negative impact the "AP' status with have on my credit file. If i was able to clear the balance after 6 months and close the account it would still show the "AP" status for a further 6 years, however, the Default will be gone in 3 years. How detrimental an affect will the "AP" status have on my file? Would it be worth while accepting this agreement or better waiting out the Default? Thanks Guys -
Hi, I received a penalty notice as my parking ticket was in the foot well when I returned to my car. Here's the notice & ticket: I then challenged the ticket following an example letter used successfully here (http://www.consumeractiongroup.co.uk/forum/showthread.php?389602-Have-a-local-authority-parking-ticket). This was my challenge description: "I would like to appeal the penalty charge served upon me. Enclosed is a copy of the Pay & Display ticket that I purchased and displayed for inspection. It can clearly be seen that I paid the appropriate fee and that the ticket was valid when the officer inspected my vehicle. Unfortunately, at some point during my absence from the vehicle, the ticket somehow became dislodged from where it had been clearly displayed and fell into the foot well. I accept that your officer could not have known this and acted accordingly. However, now that the ticket has been presented for inspection it is clear that I did not avoid payment of the parking fee or that I had parked beyond time paid for. The only purpose a ticket needs to be displayed is to enable an officer to distinguish between those that have paid for parking and those that have not and those who have exceeded the time paid for. The ticket produced clearly shows that had your officer seen my ticket at the time of inspection that there would be no need to serve a penalty charge notice. The only remaining issue is whether the fact that the ticket was not clearly displayed at the time of inspection warrants the council taking a hard line and upholding the penalty charge. I believe that for the council to take such a stance would be contrary to the advice of the DfT and the Secretary of State. As a valid ticket has been presented for inspection it is clear to any reasonable person that it would not be in the public interest to penalise a person who paid the required fee and did nothing to the detriment of the public interest. I cannot think of a more appropriate situation where paragraph 85 applies than this. I therefore politely request that the council act fairly and proportionately in this matter and exercise their discretion sensibly and reasonably by cancelling this penalty charge. It would be best for all if we can resolve this without the need to seek independent adjudication." I have now received the following response from Hackney: Does anyone have any advice on whether this is worth pursuing - I wouldn't be able to take any time off work, so if that was going to be a requirement for challenging this further, it's not really an option for me. That said, I do feel like this is really unfair and am keen to pursue on principle. Appreciate any help! Many thanks Simon -
Dear all, I had two credit cards with Lloyds which I settled in 2010. The debts were at my previous address (when I was with my partner) and that address is linked to where I am now. I have been away from the previous address since 2007. I settled the debts in 2010 but continually get refused credit because of the link. Although I settled the debts (and have statements to prove this), the Equifax records show settled in 2012. I spoke to Lloyds and they told me that the accounts were still open until 2012 although I remonstrated that I asked them to be closed once settled in 2010. I suggested that they correct Equifax to reflect the true settlement date and they refused. I wrote to the CEO and his office upheld the refusal. The trouble is that Equifax shows the "arrangement to pay" marker on both debts until 2010 and then green boxes until 2012 when they eventually closed the account. Lenders are knocking me back because of the adverse information. Lloyds never did default me for these, otherwise they would have dropped off after the six years. Sorry for the war and peace.... Questions: 1. Have I got to wait until 2018 before these records drop off? 2. Can I get the linked address removed at all and when? Thank you, Jim -
New universal credit rules which could leave 200,000 claimants waiting six months for benefit http://www.rightsnet.org.uk/forums/viewthread/7878/ So much for making work pay, eh..... -
Hello, First off, I didn't realise that forums like this existed and have already found some great discussions! I am a relative newbie to all of this, so thanks in advance for the help/tips. I have been storing some belongings for a friend for several months now in my home. They have remained in bags in my living room and there are around 6-7 blacksacks of goods there. Due to unfortunate circumstances our friendship has ended, however I still have the items in my house. I am attempting to get the chap to come and collect the items, however he is being suprisingly unwilling to claim them. We only ever had a verbal agreement that he can store the items in my home, as friends would. I am in email contact with this guy (has no fixed address) and have provided him with an inventory of all the items he has left. I have come across the Torts (Interference with Goods) Act 1977 which appears helpful for this type of situation. However, there are clear rules within this tort that relate to getting rid of the items as long as there is no dispute. Now that there is a dispute I am slightly lost as to what to do. The house will be put up for sale ASAP and I expect to be gone within the next few months ... I do not what to spend any money on moving his gear with me and I wish to cut all ties with him. FYI there are a few of his belongings which are worth a considerable amount of money. He has advised that he does not want his items disposed of (naturally). Last week he said that he would not collect any of the items unless he also recieves 3 items which we had a shared interest in. I replied to this and advised that I am willing to relinquish any interest I have in the shared items and he can take them aswell (these cost me around £300, however I am happy to give them to him to get him out). Now he's come back again and said he will not collect any of the items as there are some missing from the inventory. I am confident that this is not true, and perhaps a hope to keep the items in my home free of charge (as he has no fixed address). He was never a lodger in my home and we had no formal agreement for storage of these items. It was simply a favour I offered him at the time. Please can anyone help with some guidance/advice on how I can handle this situation as the Tort stipulates the rules for selling/disposing of items only where there is no dispute. Many thanks -
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. -
Basic background is a claim for around £600 against a large retailer. Mediation has failed, a hearing seems to be on the cards. Which, if any, of the following costs can be claimed from the defendant, assuming the claim succeeds of course. witness' loss of earnings for attending the hearing witness' travel costs claimant's loss of earnings for attending the hearing (There are two witnesses who will have to attend because the defendant will not accept witness statements from them instead and is persisting in disputing basic facts on principle) accountant's fees for providing proof of loss of earnings (claimant is self-employed, defendant is insisting on strict proof of the loss of £200ish, 16+ hours, even though the accountants fees will be more than the claim, fees were not included in the original claim) -
Hello, My ex hubby and I took out a loan in 2003 with Citi financial, it was never paid off due to running into difficulties. It is now been paid through the courts. After reading the paperwork from Reston solicitors we noticed we had paid ppi on the loan of £2373.53. I want to claim it back if possible but I have to much going on in my life to do it myself so want someone to recommend a company who don't charge the earth to claim it back for me. Thanks in advance, Debbie -
Firstly, Thank you everyone for all your contributions on this website, I have read through most of it and it was of real help to my particular problem regarding CCJ. I have a query if you can help and advise. I received a CCJ in April 2014 for parking in one of the sites maintained by Parking Eye company during Dec 2013. The reason was that, I moved from my previous residence and all the reminders and court communication were sent to my previous address including the CCJ appeals form. I collected the letters from my previous address and since it was a court judgment, I immediately paid the £165 in June 2014. My credit file shows a CCJ as 'Satisfied'. Now the actual problem is, all my possibilities to get a loan or a mortgage have diminished and I am being perceived as a financial offender or a kind of fraudster by financial institutions. My Personal loan application was turned down and credit card applications were declined. This has caused a lot of trauma mentally and I cannot help thinking on it everyday. Everything seems difficult for me now. I am in a permanent employment and have never missed any payments. The only thing I can do is to appeal or challenge against the default decision since I didn't had a slightest idea about it due to the communication being sent to my previous address. Please advise if the appeal is possible now since I have paid the amount and much time has been lapsed since the judgment. Your advise will be of great help. Thank you -
Thought it about time I had a dabble with Linux and thought would use it as a dual boot with a Vista desktop. Initially downloaded Ubuntu 12.04 LTS a month or three ago but never had time to give it a whirl. Over the last few days upgraded it to Ubuntu 14.04 LTS, downloaded the ISO file and mounted on a DVD but it falls over each time with different problems. In the end gave up and have tried again with Linux Mint Cinnamon but again it falls over. Vista does freeze a lot so think it may be something to do with this. Now I've bit the bullet and ordered a new harddrive for an unused P4 system as think it may run better as a standalone system. Or is there a better Linux to try? -
Hi, Firstly, sorry if this is the wrong section. I wasn't sure if it should go in the retail forum or not. Earlier this year I (an individual) entered into an agreement with a company whereby I rent a web server from them. At the time of entering the agreement the Distance Selling Regulations (2000) were still in force. There was no minimum term to this contract, and there's no obligation for me to renew at the end of each renewal period. I make manual renewal payments each month by logging into their website, and clicking 'Renew' next to the relevant service. The expiry date of the service is listed next to the 'Renew' button and the subsequent page allows for the selection of the renewal duration (1 month, 3 months, etc). If I want to cancel a server, I do not need to contact the company. Non-payment/non-renewal is considered cancellation. An administrative mishap last month led to their systems automatically deleting one of my servers which involves wiping its hard disks to the point where data recovery is impossible. This deletion has caused inconvenience and loss of data. I still have one server with them, but I am no longer able to trust them, and am worried the same mistake may occur with this server this month. I've therefore moved all data from it to another provider. Their current contract is still worded pursuant to DSR and allows a customer to cancel within 7 days without giving reason. I contacted the company informing them that I wish to use my right under the Consumer Contracts Regulations (2013) to cancel the server, and expect a pro-rated refund for the time remaining in this renewal period. They replied stated they did not believe my rights under CCR reply as I am on a "rolling monthly contract". However, it's my contention that every time I manually renew the server, a new contract is formed (for the duration of the renewal period I select) along with all the rights and protections afforded by the CCR. What do you think? Am I within my rights to cancel this renewal? Thanks
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