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Found 14 results

  1. For the full story : - http://www.bbc.co.uk/news/uk-scotland-scotland-business-40069986
  2. Well it is that time of year again when Car Boots kick off. Just found this story. Diamond ring bought for £10 at car boot sale turned out to be worth £350,000 Read more: http://metro.co.uk/2017/05/22/diamond-ring-bought-for-10-at-car-boot-sale-turned-out-to-be-worth-350000-6651215/#ixzz4hmYG7BAm What is the article that you found at a car boot that you were delighted with or disappointed with. Maybe you bought something that fell to pieces or a bargain that you want to gloat about. Well you have to release the pleasure or displeasure. Yesterday I bought this Bikini Vase for 50 p popped a flower in there and pleased me no end. I am easily pleased.Are you.
  3. Hi, Need some advice. I sent Vanquis a DSAR request over 4 months ago. I enclosed a £10 cheque which was duly cashed however they failed to provide me with any of the reqested documents (CCA, Terms & Conditions, Default Notices, Deed of assignment etc) I received a 3 page letter consisting of a demand for a further £1 for CCA and a 2 page document consisting of an abreviated table of transactions (I believe this is supposed to constitute a statement) Can someone confirm to me whether the £10 paid for the sar superceeds the requirement for an additional £1 for the cca. My understanding was the £10 sar fee covers ALL docs & data. Thanks
  4. Hi everyone. I have read a lot of your posts and want to thank you all in advance for the contributions made on this forum. It is incredibly helpful and am grateful for what I have read already: I worked for a company in Jan 2010 - April 2011 selling vehicles. I was a trainee for Jan, Feb and March 2010 not supposed to sell cars. My shady Dealer Principle asked me to sell in March and verbally told me I would be paid in front of everybody also there. Along the way he even used my good performance to motivate the rest of the team. This was my first job ever full time under contract & handbook in a proper place. In March 2010 I outsold the team (I needed the money for my father's treatment and he KNEW this!) and when it came to March 30th he told me that there was no commission sheet for me and that I wouldn't be paid. I was so angry because I had worked 7 days a week to do the best I could. Should have been about £4900 in commission for 23 cars sold. In April 2010 I had a letter this time saying I WILL benefit from commission in writing, but it was not paid to me again. There was a complaint from a customer so the Dealer Principle said to me again that I would not be paid for the whole of April (around £4700). It is in writing in a letter! He demoted me to trainee for 3 months. In May 2010 (21st) he changed his mind and had me start selling again back to Sales Executive. I sold 9 vehicles earning £1489. This was paid to me in the June payrun. I got a letter stating the change back to Sales Executive but as of June 1st despite this payment of MAY commission being paid to me in June 2010 (on time). I wrote to them as I now know I can claim money back even at this time... and they have said in a letter that after completing an INVESTIGATION... I can only ASSUME that the payment of £1489 is for April and it was paid late in June's payrun (no payment has ever been late). And that because I was a trainee, I was not entitled to be paid for March 2010 at all. I have evidence of what I sold, who I sold it to, the letters stating I will be paid, my bank accounts, my payslips showing I did not get paid, First letter, second letter even showing the breakdown exactly of who, what and how much sold for. Do I go straight to a Letter Before Action? The last letter says "I confirm receipt of your letter dated 7 October 2015, written in response to my investigation findings. As Per my letter of 24 September 2015, it is my findings that no commission is due to you". He has basically given me a corporate hands over his ears. He didn;'t even acknowledge any of the evidence I gave in my previous letter at all and is closing the door shut despite it being a very clear case.
  5. Hi all when I checked my bank today for my esa payment i found an extra esa payment of £10 was put in yesterday 24/06 and my normal payment today has this happened to anyone else. tried to call dwp but on hold for over an hour.
  6. Hello This week I switched my home insurance to Home Protect, arranging to pay it monthly. Today, I heard from a company called Premium Credit, telling me that Home Protect had set up the credit arrangement for the insurance through them. I was then asked to register on their website and also to electronically sign a copy of the CCA1974 agreement. It also stated that if I hadn't signed by 27th April, then they would add £10 to my account! So my question is, can they actually legally do this? I thought the terms of the CCA1974 states you should sign ONLY if you wished to be bound by it. Effectively, they are fining me if I don't. Clearly, they just want to be able to guarantee any potential court action they might take would be successful by having a "signed" CCA1974 form but this just sound wrong to me. Any advice would be much appreciated. I see this particular company has been posted about before for exorbitant charges for failed direct debits which doesn't surprise me!
  7. plastered

    £10 SAR fee?

    I am looking into all previous credit cards and store finance, and want to see a list of charges for these. Do I have to send the £10 SAR fee if I only want to see a copy of charges to my account, rather than the endless statements? I have quite a few and don't want to pursue futile claims. please advise.
  8. Does anyone know anything about the £10 Christmas Bonus, as one or two people I have spoken to have not received it. I read somwhere that it had been scrapped as long ago as 2011.
  9. In 2017 the United Kingdom will introduce a brand new £1 coin – and The Royal Mint invites the nation to create the design it will carry. A fantastic opportunity for members of the public, professional artists and designers alike. Designing a United Kingdom coin is something that most people would never have thought possible. This is a chance to put your art onto the reverse (the ‘tails’ side) of what will be the United Kingdom’s newest coin, one of the most eagerly awaited coins in circulation. The winner will receive a £10,000 design fee. More importantly, they will have the pleasure and pride of seeing their design replicated on millions of coins that will be used by the people of the United Kingdom for years to come. The winner will also be invited to The Royal Mint to see their design transformed into actual United Kingdom coins. http://www.royalmint.com/newonepoundcoin
  10. Sorry I know this is only a minor thing, but have those entitled to this £10 received it? I get high rate DLA and in ESA Support Group but had no letter or payment.
  11. I've been waiting for my JSA payment since May and its still not been paid for a whole host of reasons. I have had to complete application for re-assessment forms twice and they have lost them twice. I could on but the point is its over three months and I've not had any money? Plus generally they have made so many mistakes I'm having fun writing the complaint as I count over a dozen mistakes. My point is I'm sure I read somewhere if they don't pay you within a certain time they have to pay you compensation I think I read its something ridiculously small amount like ten pounds. I can't find the page anymore.
  12. http://www.bbc.co.uk/news/business-20338335
  13. The Financial Services Authority (FSA) has issued its joint largest retail fine of £10.5 million to Card Protection Plan Limited (CPP) for mis-selling insurance products. CPP has also agreed to pay redress and estimates that around £14.5 million will need to be paid to affected customers, but this could change depending on how many customers respond to CPP's contact exercise. CPP has estimated that the total costs of the FSA's investigation will be £33.4 million which includes the fine, redress and the costs associated with the investigation. The fine is for all types of sale made by CPP while the focus of the redress exercise is CPP's direct sales. The FSA found widespread mis-selling of CPP's two main UK products between January 2005 and March 2011. CPP failed to treat its customers fairly and did not provide clear information to its customers: CPP sold its Card Protection product by emphasising that customers would benefit from up to £100,000 worth of insurance cover - when this was not needed because customers were already covered by their banks; and CPP overstated the risks and consequences of identity theft during sales of its Identity Protection product. CPP sold Card Protection and Identity Protection through its own sales channels, or through a partner, such as a high street bank, which introduced its customers to CPP. Card Protection cost about £35 a year while Identity Protection cost about £84 a year. In total, CPP sold 4.4 million policies and generated £354.5 million in gross profit. In the period in question, 18.7 million policies were renewed which generated an income of £656.5 million. Following FSA intervention in early 2011 CPP has improved its renewal process and extended the cooling off period during which customers can change their minds about buying the product from 14 days to 60 days. CPP agreed with the FSA requirements to stop new sales of products (apart from where the insurance is sold as part of a package) and to stop trying to keep customers who call to cancel their policies. The FSA has required CPP to appoint an external 'skilled person' to monitor and report on its claims and complaints handling. The FSA found that CPP's sales process focussed on sales, revenue and commercial objectives at the expense of treating customers fairly. The FSA's investigation revealed that: CPP sales agents were encouraged to be overly persistent in persuading potential customers to purchase the products even after they had made it clear that they did not wish to buy them; CPP gave its sales agents targets for successfully dissuading customers who contacted CPP to cancel their policies; CPP did not prevent sales agents telling customers to buy the products on the basis that customers could cancel them during the cooling-off period; and CPP renewed and took payments from customers without reminding them when it did not have current addresses and could not send renewal documentation. Customers generally do not need insurance for fraudulent transactions on lost or stolen credit and debit cards because they are not liable for unauthorised card payments - apart from in exceptional circumstances. However CPP continued to sell Card Protection by emphasising this insurance aspect of the product. CPP also failed to control its affairs responsibly and effectively. This is because it was aware that significant issues about its sales and compliance processes had been raised by the FSA but it failed to take sufficient action to deal with them. Tracey McDermott, the FSA's director of enforcement and financial crime, said "This is a serious case, one that has warranted our joint largest retail conduct fine and generated a sizeable bill for consumer redress. "While CPP's products were relatively inexpensive, they were sold widely and CPP encouraged its sales agents to be overly persistent. This exposed a very large number of customers to the unacceptable risk of buying products they did not want or need. Further, we had already warned the firm that it might be misleading customers about a feature of Card Protection from which customers were unlikely to benefit, but insufficient action was taken to rectify this. "We have highlighted before our concerns about low cost insurance that offers little or no value to the customer. This case shows the action we will take if our warnings are not heeded". CPP agreed to settle at an early stage entitling it to a 30% discount on its fine. Without the discount, the fine would have been £15 million. CPP has agreed to provide an undertaking about a contract term it used which was unfair. This unfair term allowed CPP to take customer payments from another card covered by Card Protection in the event that payment could not be taken from the original card. The purpose of having multiple cards registered was to ensure that all cards were covered by the protection, but CPP used it to take payment from customers. Notes for editors The Final Notice for CPP. Formal requirements imposed on CPP by agreement with the FSA are set out in CPP's entry on the FSA Register, which can be found here. CPP may in future apply to the FSA to have these restrictions lifted subject to satisfying the FSA as to the appropriateness of its funding structure, governance arrangements and control environment. CPP announced in September 2012 that it continues to have constructive discussions with the FSA about customer redress and that these discussions have included certain of CPP Group's larger business partners. CPP has announced that these discussions include consideration of the use of a Solvent Scheme of Arrangement as a vehicle for providing redress. For confidentiality reasons, the FSA cannot comment further on any ongoing discussions about redress with other parties, but will announce further details, if appropriate, in future. From 14 January 2005 to March 2011, CPP sold 4.4 million Card Protection and Identity Protection policies and received £188.3 million in customer payments (a proportion of which it paid to its business partners for an introduction fee) for those new sales. CPP renewed 18.7 million Card Protection and Identity Protection policies and received £656.5 million in customer payments (a proportion of which it paid to its business partners for an introduction fee) for those renewals. CPP generated gross profits of £354.5 million and net profits of £79.1 million Some business partners 'introduced' their customers to CPP by affixing a sticker to the new credit or debit cards sent to their customers. The sticker prompted the customer to call a number (which was actually CPP's) either to activate the card or to confirm that the customer had received the card. When the customer did ring the number, CPP also used the opportunity to offer Card Protection and/or Identity Protection to the customer. The FSA has previously warned about low cost insurance products in its 2012/13 Business Plan, its 2012 Retail Conduct Risk Outlook and in a speech by Martin Wheatley to the Association of British Insurers in September 2012. The FSA regulates the financial services industry and has four objectives under the Financial Services and Markets Act 2000: maintaining market confidence; securing the appropriate degree of protection for consumers; fighting financial crime; and contributing to the protection and enhancement of the stability of the UK financial system. The FSA will be replaced by the Financial Conduct Authority and Prudential Regulation Authority in 2013. The Financial Services Bill currently undergoing parliamentary scrutiny is expected to receive Royal Assent in late 2012 or early 2013, subject to the parliamentary timetable. Link: http://www.fsa.gov.uk/library/communication/pr/2012/102.shtml
  14. Hi. I've been in dispute with Lloyds TSB over an unenforceable credit card for nearly 3 years. Lloyds TSB & their various DCA's have accepted the account is unenforceable but they are still passing the account around on the DCA merry go round - which is fair enough. Recently I received a letter from Lloyds TSB acknowledging my payment of £10 on to the account back in February - except I haven't made a payment on this account in almost 3 years. I am fully aware of the issue of the debt being legally time barred after 6 years and have no intention of making any payment to Lloyds TSB that may alter the date my debt becomes legal time barred. 2 months ago I wrote back to Lloyds and Fairfax Solicitors (who were then pursuing the debt on behalf of Lloyds) and made it clear to them that I hadn't paid a penny toward the debt in 3 years and suggested that this appeared to be nothing more than a blatant attempt to push back the legal time barring of the debt (i.e. the 6 years begins again). The next thing I get is a letter from the solicitor saying they've closed the file but almost immediately Robbers Way write to me. Has anybody else heard of Lloyds TSB of anyone else applying payments to accounts which they allege have come from clients?
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