Showing results for tags 'which'.
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There is no date on this, so I don't know how long the information has been available.. http://www.which.co.uk/money/credit-cards-and-loans/guides/how-to-deal-with-debt/debt-management-companies-why-to-avoid-them/ -
I signed on at the job centre on Wednesday.When i was there my advisor gave me 3 jobs to apply for and said i had to apply for them before i sign on again in 2 weeks on the 5/11/14. She told me to make sure i apply for them along with proof i have as i could be sanctioned for not applying for them. Today iv gone in to Universal job match to find them and apply for them.Iv found and applied for 2 of them but i cant find the third even with the universal match job ID.It was definitely on there at some point because the advisor had printed it out to give to me. My question is surely i cant be sanctioned for this as i have attempted to apply for the job but it no longer exists? -
Hello there, I have a serious issue regarding my parcel shipment from UK to Nepal. I had sent 2 ounces of gold along with other 21 pages of documents via Dhl to Nepal on 4th June 2014. I was not sure if they ship gold. I went to the DHL service point and asked if they deliver gold. The agent said that the value has to be less than £5000. Since my gold was worth £1850 I was happy to proceed. Gold along with my 21 pages of other documents were packed and shipped for £51.95 in 1kg box. Declaration on the parcel cover was clearly made 1) Documents 21 copies 2) Gold Bar 2 pcs and the total value of the item was mentioned £1850. After few days the receiver of the Parcel in Nepal got a message from the DHL Nepal saying the parcel was with the custom department and some legal formalities to be done by the receiver. When they went to Customs, they were told that we were not allowed to ship gold on a parcel. Further, they said that DHL was not allowed to ship gold in that manner. They should have stopped us in Uk. They said us to speak to DHL instead. But when they went to DHL there, they said to speak to customs department. This went on for few months. Then I called customer services DHL UK. They took a month and half to find out what was happening and finally said that my Parcel was destroyed by the Customs in Nepal. I opened a claim file in DHL UK and after few arguments DHL sent a letter yesterday offering £51.95 for the full and final settlement of my claim. I have no idea at all what I should do next. I would be very thankful for any ideas and ways to come to a conclusion. Its really hard to give up since it is a big amount of money for me. Many Thanks, Devi -
hey guys, this is my first forum post, i found a freedom pass on the ground and used it on the bus turns out inspectors got on the bus and yeah karma, guys i am shaken to the ground I dont know what to do i gave the guy my real name and dob but a different address, what should i do, I am shaking as i type this. please help me -
I have been contacted today by shoosmiths to repay a mortgage shortfall. In 2008 they began repossession of my home at the begining of the case i owed £71,000 to HSBC and £7,000 to EPF (EPF was acquired by HSBC after i had taken out the loan). So total owing was £78,000. The property was sold at just over £82,000 in 2010 under the mortgage rescue scheme. Shoosmiths are asking me to repay a "Mortgage Shortfall" of £8,000 This is not a shortfall, it is court costs (which i have asked for a breakdown of on many occasions and not received) I believe that calling this a shortfall is fraud they would have only six years to claim court costs by calling it a shortfall they have increased that to 12 years. I know that there is a clause in the contract allowing them to add costs to the mortgage but surely this clause must be unfair if it only allows an act which would otherwise be unlawful. I am currently unemployed so they have no chance of getting it anyway. I would like to stop them calling this a shortfall. They also spent 6 months arguing (HSBC and EPF which by this time part of HSBC) who was going to show this so called shortfall. charging more interest whilst they did it. I have to reply in 14 days any views or ideas -
Hi .. Hoping to get some advice... A few years ago I set up a DMP and was plodding along with that until I got my head turned by Unenforcabilty back in 2011, stopped all payments sent CCA's got some replies and some ignored me. Then a few things went wrong for my family, and I couldn't cope very well with everything that was going on, I buried my head deep in the sand and started promptly ignoring everything. Fast forward to the end of last year and I received Court Papers for a small debt I'd been ignoring, I didn't know what to do, made them a full & final offer which to my huge surprise and relief was accepted, then I paid and stuck my head firmly back in the sand. Fast forward to a couple of months ago (I'm still ignoring all the debt stuff - throwing away letters, etc) and I receive another set of court papers, again a credit card I've been ignoring, again I made an offer, which was accepted but I haven't paid yet as I am still waiting to hear from them. again a couple of weeks ago, I received more court papers, this time for an ignored overdraft, again made an offer, which they've replied to me with a counter offer, which I can afford if I lend the money. But right now I'm terrified of how many more times I have to go through this ... As I said, I've (stupidly) ignored everything, right now I don't even know who I owe the money too, or where to start or what to do. My last payments to them all where made through the DMP some time around May 2011. Most of the debts are £1-2000, which if it comes to it and court papers are received I can raise the funds for around a 50% offer of F&F. But this isn't ideal I know, and the stress of it is killing me, the thing is I barely receive any letters regarding these debts now... . And the one thing that has me really worried is a larger debt, a bank loan which was left with a balance of around £8000 when I stopped paying, If I receive papers for this one I wouldnt be able to raise enough money to make a F&F offer, then what would happen? Sorry this has been such a long post, and sorry if I've posted in the wrong place, I'm just not sure which way to turn, I was thinking of finding out who I owe the money to and then trying to self manage a DMP, but I don't think I'm anywhere near strong enough to handle that. Any advice would be massively appreciated...
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Hi All I hope you can help. The situation is that I was due a quite substantial refund from co-op electrical for faulty goods that they couldn't replace. Co-op electrical state that they have refunded the money "to the card/account that paid for the goods" however the card issuer states that "my account" has not received any funds, and quite reasonably they cannot check whether the funds have been added erroneously to another account. I have tried to get co-op electrical to give me the account details (mainly number) of the account they have refunded to but they will only tell me "the card/account number it was paid with" as they claim the actual number is information only their bank holds. It is now over 2 months since the alleged refund and I have got no further. I have sent them a subject access request on the advice of my card issuer which will hopefully crowbar an actual account number out of them, but frankly the experience I have had so far is so shocking that I want to report them to someone, but I cant work out who. The office of fair trading over see the sale of goods act, but says they don't take individual complaints against companies. -
Hi, I hope I have posted this in the rigjt place. I wonder if anyone can help me. I was served a default notice by Nationwide in December of 2007 for arrears on a personal loan account. I eventually managed to bring the account up to date but in 2011 defaulted again and was served a default notice in July 2013. I have read on other threads that an account can not be served with more than one default notice. Is this correct ? if the account was brought up to date then defaulted again? I have the paperwork for both defaults which state different amounts being owed but for the same account. Also if it is correct that I should only have one default then what should I do to get this changed on my credit file? I am working hard to pay off the amount still owed and also on another couple of debts. I have 3 defaults in total on my CF but the other 2 are 3 years old so I am half way to cleaning my file. Another question that I have is that it will probably take me another 3 years to clear the debt, will the monthly DF on my credit file mean that even in 3 years my when the DF fall off I will still be in a bad position as the debt will only just be paid? Sorry for the multiple questions. Any help would be very much appreciated
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Hiya, sorry if this has already been answered but im thinking of reclaiming charges with Lloyds tsb but the bank is no longer the same, theres Lloyds and theres tsb so which 1 do i do lol.
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Just looking for a bit of clarification on which type of debts dca,s can and can not merge to create a larger debt when going for ccj bankruptcy etc ??? I am sure i have read on other threads but can not find it now that there are certain types of debts that can not be joined together when taking court action. Thanks
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Hi Friends, These are a few examples of entries in my Barclaycard statements ... And a few from my Visa Debit card ... Please could you tell me which one of these could be unfair and worth claiming? Thanks. Autumn -
Firstly, thank you for reading my post.... Secondly, I'd like to ask everyone who can help for a post on my thread. I sold a car which, few weeks earlier had a new campbelt and a water pump done. The car was driving well and was in constant use. I sold the car as I don't need it anymore due to a job change. A couple who decided to buy it traveled about 120 miles to get it (on a train). They had a test drive, we agreed a sale price and they ended up paying via internet transfer. They left with the car and over an hour later they called to say they cannot drive faster than 40mph, one more hour later they called to say the car broke down completely and there is plenty of smoke coming from underneath the car. As I agreed to keep the insurance until end of the day for them, I rang the breakdown cover who attended to the vehicle, took them to a nearest safe place and left them. I found out from the insurance company that the recovery team suggested a broken campbelt (!?!) and that the car has been left on a petrol station and the couple rushed to the nearest train station to get back home which was 30 miles away! I texted the couple in the morning urging them to ensure they take responsibility for the car as it's their own property now and they should move it asap to not be issued with parking charges etc. They texted back saying they are giving me 2 options - 1 to take the car and give them the money back, 2 to deal with the dad of the girl who is a lawyer. I texted back saying that as far as I'm aware I have fulfilled my legal obligations as a seller and from now on would like to be contacted in writing. So, I have now received two emails asking to provide 'honest description of sale activities' and was given a deadline of 24 hours to do so. Everything I put in the ad was truth, at the moment of sale I was sure the car is in a good state and was absolutely shocked with what happened. I replied to the email with a very brief description of the events from that day stating that my knowledge as to what happened after the buyers drove away in the car is limited and I requested a full explanation as to why they want to take the case to court. I now have to deal with the person who claims to be a lawyer... Although I think I have done nothing wrong, and what happened is just a pure bad luck, I am afraid that there is a chance for the buyer to force me to take the car and give the money back! I actually don't know what happened with the car, I only know what was suggested by the recovery team.... I'd appreciate help and suggested course of actions as I am 100% sure the case will end up in court, with the difference that I don't have a dad - lawyer who can defend me for free... -
which car cheepist to insure for an 18yr old. my lad is goingto do his car test and could do to know what type of car to look for. I know some of his mates have bought cars and are paying over £3000 insurance on cars that cost £1500 to buy. any advice welcome Thanks
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Hello All, I attended my ESA tribunal. I thought I explained myself really well to the two judges really well why I was unable to work. Unfortunately however, I lost the tribunal and my ESA was stopped from the 3rd of October. Now, I don't know what to do... I don't want to claim JSA because I have a severe form of scoliosis and I think working will do me more harm than good. On the other hand... If I make a new appeal to claim ESA I feel like I'm playing the system a little bit and what are the chances of me winning the tribunal if I failed before? I have contacted the CAB and have arranged a meeting in two weeks time. But because I'm not getting any income at the moment I have to decide before the two weeks. So, right now I'm debating what to do. Questions....(1) Would I be eligible to make a new claim for ESA my WCA was in September of last year? (2). How long does it take to receive your first payments of either the ESA or JSA? I have anyone has been in a similar situation I would appreciate it your advice!
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I want to buy a tablet for my daughter for Xmas but am getting a bit lost with the myriad of options available. She would probably use it to chat/check emails/surf on the go plus as a portable store for course work etc to save lugging a laptop around. She currently uses Windows 7 on her lap top and has an android phone. I was planning on something around the £300 mark but having just browsed on Amazon I might need to revise that upwards. Can someone explain in plain English the relative advantages of the various operating systems and wifi/3G etc? Thanks!
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Well I've had my letter back from EGG who don't uphold my complaint for thefollowing reason (card taken out online in 2003 by the way) 1) Online sales at that time did not require i take out ppi as condition of obtaining card 2) Online sales at that time did not provide an advisory service. 3) Online sales at that time required you to positively confirm that you wish to purchase policy 4) Online sales provided full T&C and requested you read them before you submitting application. I have sent a SAR request off, which i know may take a little while. Am I dead in the water here. I don't remember asking for PPI or 'positively confirming' - i guess that means a tick - anything. They've said this is their full and final response. HELP! Hx
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article provided by funforus The Which campaign against unwanted calls (this includes harassment as well as spamming) moves onto its next stage today. I've been helping and have the release below: Last month we called on the Government to step in to strengthen the law on consent and the use of personal data, and to give regulators more powers to enforce the law. Over 76,000 people have so far signed up to pledge their support for our “Calling Time on Nuisance Calls and Texts” campaign. Consumers can pledge their support at: http://www.which.co.uk/callingtime Notes to Editors 1. Populus, on behalf of Which?, interviewed 2,070 UK adults online between 19th and 21st April 2013 and 2,101 UK adults online between 3rd and 6th May 2013. Data were weighted to be demographically representative of all UK adults. Populus is a member of the British Polling Council and abides by its rules. 2. The new Which? complaints tool will direct complaints about live marketing calls and texts to the Information Commissioner’s Office (ICO) or the Telephone Preference Service. Complaints about silent or abandoned calls will be directed to Ofcom and complaints about premium rate services will go through to Phonepay Plus. 3. We are calling on the Government to strengthen the law on consent and the use of personal data, to give regulators more powers to enforce the law, and to work with industry to provide technical fixes to filter out unwanted calls and texts. 4. Which? is also supporting Mike Crockart MP's Private Members Bill on nuisance calls and texts which is due to have a second reading in the House of Commons in the Autumn.
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Long time no see My son got involved with these damned payday loans & we are now trying to sort it all out. He has written to all the companies cancelling the CPA & requesting their bank details so that he can pay by SO. He has opened a parachute account into which his wages will be going so at least they can't dip in whenever they wish. He went to his Lloyds bank branch & they were spectacularly unhelpful but he did at least succeed in getting them to agree to report his debit card as lost. It concerns me though that surely his new card will still be linked to his old card & that these companies still will have his bank account number & sort code. Can they still help themselves in the meantime ? He needs to send the CPA cancellation to Lloyds but which address should he use ? -
i need kinda help which type of debt is this i have no idea what i have done nor i know what debt is this all its written is debt type: MF and it is from collectica amount is over 1000 pounds.. . please help me out 4 people came and gave this letter -
My personal accounts are with First Direct whom I moved to from Smile after receiving bad service and a 'couldn't give a stuff' attitude to helping me when their system decided of its own accord to stop paying my standing orders even though my salary was there Anyway, had no issue with FD but am now looking to start up a small venture I will initially run in my spare time but am hoping to build into a business. Now I know I need to set up a business account but I know FD don't do them. I had an HSBC credit card some years ago I paid off and shut down because of the dire offshored Customer 'Service'. More recently I opened a savings account with their M&S Bank JV and had to ring up to reset my password, it took me 15 minutes to actually get this done as the person was struggling with their English. (it usually takes me 5 minutes tops to deal with anything with FD) I wrote to close the account and explained that the CS was why I was closing the account. Anyway I digress. The point of explaining the above is that I don't really want to go to HSBC or co-op. So anyone have any suggestions for one that: Has UK based CS Doesn't cost a fortune to run (brief research indicates there are a couple that have fixed monthly fees) Doesn't require a trading history (I will not be needing credit facilities from the bank and until such time as it is generating sufficient turnover will have a standing order in place to fund the account with the capital required to pay the monthly running costs) Any suggestions appreciated.
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I just joined a few days ago with a post about impending court action from my water company. Someone then told me they'd moved it from the section I posted it in, and put it in the utilities section. Another poster suggested moving it, and then another said I should start a new post, as I had put it in with another post of similar subject matter. I'm new to all this and really would appreciate some help on where to post, and sorry if I am in the wrong secton now. Thanks for your help. -
Hi, My first post. I'm trying to help my son get his finances sorted out. Besides the fact that he needs to become much better at managing his money I think he has valid claims for the following:- 1. PPI mis-selling on two personal loans 2. PPi mis-selling on a Credit Card. 2. Overlimit charges on a Credit Card 3. Bank overdraft charges Problem is which do I tackle first? What Subject Access Requests do I need to send. All of the above potential claims relate to the same bank. Will one SAR cover all of them. How do we obtain copies of loan agreements and PPI policy documents and the T&C's for the Credit Card (searched the internet without luck) Called in the Bank yesterday, they couldn't provide the full Credit Card T&C's for their current Credit Card. A few pointers in the right direction would be appreciated. Thanks
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Probably a stupid question but am just about to sit down with reams and reams of paperwork and start a claim for PPI on 2 credit cards. My question is, which spreadsheet should I use for the 8% interest - single or compound?
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Hi. Want to post a review on a bathroom makeover I've had done but am unsure as to which forum to post it in. Can someone help please?
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http://news.sky.com/story/1008679/payday-loans-most-borrowers-miss-payments
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