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  1. Can anyone help on this one? We haver taken over a small business (fitness centre) this is in a larger building (a rugby club house) and is leased from them. The rent in 2008 was £10000 pa. We have half the first floor for an office, changing rooms, reception area, studio and gym, total area 350 sqm. The other half of the first floor belongs to the rugby club and has an office, reception area, changing rooms and a bar/conference centre/kitchen, total area 350 sqm Both premises were valued by the VOA in April 2014. We are valued at £16250, the other half of the first floor is valued at £7000. At first sight, this seems horribly iniquitous (as well as putting us at a major disadvantage relative to other local fitness centres) and I'm trying to work up to the formalities needed to contest this. But before I start, am I missing something obvious… is there a reason that I don't know about which will explain the discrepancy?
  2. hardly any more excuses needed but another tale of woe...even the ombudsman has had enough! http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=63793 FYI - I've written to the FCA asking if Minicredit will be required to put funds aside to deal with any outstanding complaints with FOS (I've a current complaint with FOS about Minicredit). will keep you all posted on response although the initial feedback is all very generic, just pointing me to the Voluntary Requirement notice on the FCA website
  3. Can anyone figure this one out. I recently defrosted the freezer part of a fridge/freezer and have since worked out that the fridge part uses less electricity when the thermostat is set to a lower temperature. For some reason the fridge is much better at sustaining a lower temperature, than it was when I thought I had it set at a more economic setting. Is it just that the thermostat is dodgy or that with a higher temperature setting, the fridge is having to turn of/off to try to obtain a temperature that it is difficult to manage, as part of a fridge/freezer set up. i.e if the fridge temperature is closer to that of the freezer, it is easier to manage in the overall set up.
  4. I know a woman that has been fraudulently claiming tax credits using her mothers house for 3 years now. I have reported her about 10 different occasions during these past years as has another friend of mine.. Absolutely NOTHING gets done. She lives 200 miles south in a cottage with her working boyfriend and three children. With the Tax Credits and the Child benefit money She's pulling in close to £900 a month. Before the predictable "you're mistaken" replies come in i'd just like to emphasize the fact that i KNOW without a shadow of a doubt. I have a mutual friend who has also reported her, and she's also tried to get her to help her with more benefit fraud - Asked to falsely "rent" her house and split the housing benefit money. I can only imagine how many other people out there are doing this and getting away with it. Apparently they only investigate 5% of fraud reports - I can believe it!! If the DWP/HMRC employed more people to combat this, i'm certain they'd make massive savings from lost money and fines etc.. Anything else i can do? Write to MP maybe? I'm so annoyed seeing her holiday pictures from Jamaica on facebook
  5. 5 mins ago there were 1766 viewers on this forum I was intrigued that only 16 were members and 1750 were unregistered guests are so many people afraid to nail their colours to the mast or are they just plain snoopers. I belong to many forums and have never experienced such a divide.
  6. I am helping someone who has had major problems with several banks. The trouble is each time they open a account whether in branch or online the account is closed after a few days. Reason that keeps on coming up is not getting past our further security checks. What does one do ?
  7. Hello everyone, I haven't been on here for a while long story, I was surprised to see all the important sticky threads closed and just the Food Bank one left open is there a reason why? I'm I allowed to ask? ose threads was very helpful just wondered why they have been closed? After just browsing and reading in the benefit forum I see many people still having problems with the dwp and ingeus, I am so glad that my young son start permanent work on Monday, he was claiming jsa after finishing his accounting college courses, he is lucky to not have to endure the like of Ingeus as others have, he's worked hard at finding a job that he has studied for a Junior Accountant. I went with him to the jobcentreplus to hand over his jsa booklet and give a copy of the letter from his would be employer to show his start date, one of the staff after congratulating him said to him you have escaped knowing the same day he was to start his work program is the day he'll start full employment instead, yes he has indeed I told the staff. I myself working hard on my health to get better and intend to go back to work next year Spring, I'll be glad to see the back of corrupt DWP and Ingeus. Good day to you all. helen
  8. Hi folks. I had ppi sold on my in shop loan on my credit cart with nat west on the CC with halifax on first mortgage with Halifax second mortgage with Halifax on final mortgage with platform loads on my capital one credit card. I have a brain injury and just an not dabble to fight this properly. I'm tired of people taking the mickey and just ignoring my request or just confusing me so I can't proceed. I now tony have any of the paper work except the platform loans. Everything else is lost. It all goes back over 18 yrs. can I get some one to help? I don't mind paying a fee. Thanks for your time John. We realy could use the money as am retired with my occupational pension. I don't get any benefits. In fact they took over three thousand from me when my pension paid out. I've had enough nowSeeing my family suffer day after day because I can't work. Our son had ADHD heating bills are in the thousands. To be honest they would be better off if u was dead. It least they would get more help and still claim a widows pension some one please help.
  9. I don't understand why CAG don't have a dedicated system for uploading images. It seems that the people that need to upload images the most are new users. New users face restrictions on posting attachments and links. It seems that they have to download some software to turn them into PDF's and then upload them to the site. Why not have a CAG image uploader where it is possible for the user / mods to modify the images to black out sections? This wouldn't be too hard to do for a PHP developer.
  10. If this question has been asked before, I couldn't find it.. Please can a knowledgeable person explain to me why NCD is connected to a combination of person AND vehicle ? Surely NCD is applicable to the person driving, cars don't have accidents on their own ! This topic has vexed me for a while and only when I stumbled on this forum did I think I might get a proper answer from someone in the industry. I'm primarily interested in the logic behind the thinking, I'm not interested in a flame war, the rules are the rules, but I really don't understand the logic. Thanks
  11. I have posted this on another Forum, but I believe as many people as possible should be aware of this !! ATOS are trying to get out of the Work Capability Assessments contract, but they haven't asked to pull out of the new PIP Contracts that they were awarded, which means they are still performing physical assessments of people making PIP claims !! ATOS want out of the WCAs because of the huge numbers of appeals that are made and have the ATOS decisions reversed and because they have managed to accumulate a huge backlog/waiting list for these assessments because of how inept they are. ATOS have also shown their inaptitude with the delays that they occured while introducing the new MOT system and regulations............................In case you didn't know they hold the contract for the VOSA vehicle checks !!!! The ATOS record of inability to perform Government contracts doesn't stop there ...................NS&I yes, National Savings & Investments the Government’s savings arm, admitted earlier this year that "Its share of the savings market had sunk to a record low." And who has the contract to run NS&I ? Yes you guessed it ATOS !!!! So with ATOS showing on several fronts how useless they are why are they still being considered for any contracts, never mind awarded, Also, who has been awarding them these contracts ? I am of the opinion of Why and Who is continuing to award these contracts to ATOS ? And I believe that it needs serious investigation.
  12. In many countries borrowers can fix their mortgage rate for decades. The Bank of England wants the UK to follow. In many parts of the world, house buyers can rest assured that their mortgage rates won’t change for decades. Now British lenders are coming under renewed pressure to introduce deals that fix rates for 25 years. This would provide certainty around future repayments and may even help make the property market more stable. Interest rates are expected to rise towards the end of this year or in early 2015. However, some experts are predicting earlier rises after unemployment data published this week showed unemployment fell to 7.1pc. This is just 0.1 of a percentage point above the level where the Bank of England said it would begin considering raising interest rates, although the Bank has dropped heavy hints that a rise is not imminent. There are fears that when rates do go up, many borrowers who have short-term fixes or variable rate mortgages could struggle to afford the higher repayments. Earlier this month the Bank of England said home owners faced a “real risk of exposure to rising interest rates” in the coming years, which could be removed by “locking in” mortgage rates. Richard Sharp, an external member of the Bank’s Financial Policy Committee, said: “Certainly, the structure of the UK would have lower risk associated with the housing market if more mortgages were fixed, and fixed for longer.” More: http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/10594494/Why-Britons-cant-have-40-year-fixed-rate-mortgages.html
  13. I have been signing on a few weeks...last week I had my normal sign so I ended up waiting 40 mins past my appointment time one of the advisors had my book and I could see her at her desk she then called over 2 other advisors and they were all looking at the monitor screen...a few mins later she came over to me and told me my cycle had now changed from 'cycle p' to 'cycle r' and i should come in next week instead...being me i never asked why. what is cycle p and what is cycle r?
  14. Where PPI premiums have been added to a loan without the knowledge of the borrower and no PPI policy was ever arranged or details given to the borrower this must constitute fraud or at least breach of contract .Has any member any knowledge of actions for fraud succeeding
  15. About a year ago, Ms First Class received a letter from Lowell about an telephone contract "debt" for about £500. She remembers taking out the contract about 3 years ago, and admitted that she probably defaulted on payment and just forgot about it until that letter arrived at her new address. Lowell produced a vague statement of charges for the mobile phone account, i.e. "January 2008 - £67", "February 2008 - £71" etc, with the final payment saying "Termination Fee £xxx". No breakdown of what the amounts related to. in November just gone, I discover these letters she has and decided to try and sort the issue out. I wrote to them asking them to prove the debt existed and to provide sufficient evidence to support their demands. Statements turn up with more detail, as well as information that the CCA doesn't apply to such accounts, which is correct. Before Christmas I write a very simple and short letter, again on her behalf, effectively saying I was still not satisfied with the "evidence" produced and that should they proceed to court, their claim would be fully contested, with costs, as well as detailing my own legal qualifications, stated I would be advising my partner accordingly. just read their reply, which states: "In respect of account XXXXXXXXX, whilst we believe this to be due and valid, I have taken the decision to close this with immediate effect. This is done in the interests of arriving at a swift and amicable conclusion and is not done as an admission of any wrongdoing on our part. You will hear no further from us or any organisation connected with this matter as the account will not be sold or passed on". Anyone who knows the DCA field a bit better care to take a punt at why they've backed down without even trying to push it a little bit further? Lack of evidence on their part/problem with the "account" or were they concerned I might well give them a headache in court?
  16. http://www.mirror.co.uk/news/uk-news/food-banks-debate-video-iain-2941100
  17. I have filled in an acknowledgement of service to a claim by MBNA represented by Restons, where POA states: “The claimant claims payment of overdue balance due from the defendant under a contract dated on or about xx/xx/xxxx in the sum of £xxxx.xx (£5K+) inclusive of interest to the date of this summons at 8% per annum from xx/xx/xxxx to xx/xx/xxxx. Particulars a/c no: xxxxxxxxxxxxxxxx DATE ITEM VALUE Xx/xx/xxxx Default Balance £xxxx.xx (over 5K) Post Refrl Cr NIL Later date xx/xx/xxxx Interest xx.xx Total: XXXX:XX Together with:- Interest pursuant to s69 County Courts Act 19 At the rate of xxx.xx per day to the date of Judgement or sooner payment” Prior to filing an embarrassed defence, I now wish to make a CPR 31.14 request to Restons for: 1 the agreement 2 the default notice (All I had was Notice of Sums in Arrears, a letter saying that failure to pay will result in registration of default with CCA. Then they wrote and said a default is due to register for 6 years on my credit file and when this happens balance of the a/c WILL BE SOLD to a Third Party. This does not seem to have happened as MBNA are the Claimant, all I had was a much older try-on from RMA) 3 the assignment?? and perhaps for 4 DPA?? As not all were mentioned on POA, would you agree? Anything else?
  18. Very interesting article in the Guardian this is the link: http://www.theguardian.com/society/2013/jul/31/atos-fitness-work-test-greg-wood
  19. Put the TV on and all the Sky layout has changed, different colours, different font different everything. I suppose this has cost Sky an extortionate amount of money to be rebranded and for what? Why cant companies just leave things alone, it like Tesco we now have a big sign up saying hello!! whats that all about, I am going there to shop not pass the time of day. If I want Sky I will have it regardless of the colour of the writing, if I want to shop at Tesco I will, a sign saying hello isnt going to either encourage or discourage me. And dont get me started on why they changed the name of Opal fruits or marathons.
  20. I've been absent for work for 2 years and I'm still employed without any pay or SSP. Why haven't I been dismissed for capability? Seems a long time to continue to employ an absent person and I wondered what reasons a company would have to let it go on for so long.
  21. Hello I was wondering why agencies do not recognise self employment - should they be looking at it - I went for one but they did not regard it and was too critical and I have been doing it for nine years.
  22. > Answers given by 2nd year school children to the following questions: > Why did God make mothers? 1. She's the only one who knows where the selotape is. 2. Mostly to clean the house. 3. To help us out of there when we were getting born. How did God make mothers? 1. He used dirt, just like for the rest of us. 2. Magic plus super powers and a lot of stirring. 3. God made my mum just the same like he made me. He just used bigger parts. Why did God give you your mother and not some other mum? 1. We're related. 2. God knew she likes me a lot more than other people's mum like me. What kind of a little girl was your mum? 1. My mum has always been my mum and none of that other stuff. 2. I don't know because I wasn't there, but my guess would be pretty bossy. 3. They say she used to be nice. What did mum need to know about dad before she married him? 1. His last name. 2. She had to know his background. Like is he a crook? Does he get drunk on beer? 3. Does he make at least 1 million a year? Did he say NO to drugs and YES to chores? Why did your mum marry your dad? 1. My dad makes the best spaghetti in the world. And my mum eats a lot. 2. She got too old to do anything else with him. 3. My grandma says that mum didn't have her thinking cap on. Who's the boss at your house? 1. Mum doesn't want to be boss, but she has to because dad's such an idiot. 2. Mum. You can tell by room inspection. She sees the stuff under the bed. 3. I guess mum is, but only because she has a lot more to do than dad. What's the difference between mums and dads? 1. Mums work at work and work at home and dads just go to work at work. 2. Mums know how to talk to teachers without scaring them. 3. Dads are taller and stronger, but mums have all the real power 'cause that's who you got to ask if you want to sleep over at your friends. 4. Mums have magic, they make you feel better without medicine. What does your mum do in her spare time? 1. Mothers don't do spare time. 2. To hear her tell it, she pays bills all day long. What would it take to make your mum perfect? 1. On the inside she's already perfect. Outside, I think some kind of plastic surgery. 2. Diet. You know, her hair. I'd diet, maybe blue. If you could change one thing about your mum, what would it be? 1. She has this weird thing about me keeping my room clean. I'd get rid of that. 2. I'd make my mum smarter. Then she would know it was my sister who did it not me. 3. I would like for her to get rid of those invisible eyes on the back of her head.
  23. Comment: Martin Lewis, founder of moneysavingexpert, opposes Archbishop Justin Welby and outlines the exact changes that he'd like to see made. I pray the Archbishop’s laudable but blundering entrance into the payday loan debate doesn’t hurt more than it helps. The trip-up of the Church’s own investments is a side show – my concern is far more about his original soundbite: "We’re not in the business of trying to legislate you (Wonga) out of existence, we’re trying to compete you out." Wonga and other 6,000pc APR loans are the crack-cocaine of the money-lending world – recent studies even suggest some people are now payday loan addicts. Lenders use instant apps and fast clicks to target the impulses of the "must have it now" generation. Loans are processed at lightning speed, quick enough for some to apply and receive while drunk. More: http://www.telegraph.co.uk/finance/personalfinance/borrowing/10209475/Martin-Lewis-Dear-Archbishop...why-I-disagree-with-you-over-Wonga.html
  24. Hi Wife has a debt with HSBC credit card in single name- paid since 1985 & never missed a beat. Due to change in circumstances cannot pay more than £5 monthly. Current debt is 10.5K @ £300 per month. Received Default notice. Have paid £5.00 per month for last 2 months, sent I&E asked for stop in interest/ charges - ignored - next step ?? Also ebay fees of about £100 - started at £10 - they screwed up email account so Paypal didn't work & she lost payments toalling £80.00. Now with DCO ? ignoring!! Cheers benjibutton
  25. The majority of over 50s are missing the best credit card deals and get charged interest unnecessarily, according to new research. Research from Saga found that a third of over 50s chose their credit card because it was with their bank, rather than look for the best deal available. The same proportion also ended up paying interest on their credit card after the interest-free period ended because it was "too much hassle" to switch or because they forgot. Michael Ossei, personal finance expert at uSwitch.com, said: “This is fairly indicative of consumers generally who can sometimes make poor decisions regarding their credit cards. "It’s vital that people shop around for the best deal for their needs and aren’t lured in by freebies or misplaced loyalty to their bank. "The fact is that there are some superb deals out there but consumers need to check the small print and also be prepared to move on again once a special offer, such as a 0pc introductory deal, has ended. This way consumers can make their credit cards work harder for them.” Link: http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/9997557/Why-over-50s-pay-too-much-for-credit-cards.html
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