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Hello A couple I know have for the last 4 months been rented a 3 bedroomed property. In November their energy company contacted them advising that a £13k bill had accrued since they moved in. The couple had a gas engineer look at the boiler and saw that a condemned sticker had been removed, this was prior to them moving in. The engineer tested the system and it was discovered that the system was burning gas at £35.00 per hour. After this the couple rang the letting agency and explained the situation. It took them 6 weeks to do something about this and the couple had to buy electric heaters and keep them going 24/7 has the rooms were really cold. Have they got claim for compensation against the letting agency for this? Thanks
My previous insurer automatically renewed my insurance without my authorisation.. .I was only made aware of this when the paper work came through 2 days later.. .I cancelled it the same day the papers came. They said no problem, and I will get a full refund. I now have insurance with another company as the quote was lower. Now my previous insurer has sent me a debt letter stating that i owe them £13.56. I phoned them and they say its the cancellation fee?? (£10 cancellation fee and the £3.56 I still owe them but they will not chase it up?) They cant just canel it Also my renewal quote was £470 yet they were only going to refund me £430???? but nothing was taken in the 1st place... can someone enlighten me as to what is going on here? are they just trying to extort £13.56 from me as I did not accept there renewal quote? does this stay on my credit records or anything like that? why wont they canel it completly. They didnt even take any funds from my credit card... I did not authorize them to renew the policy,
HSBC has reported a £13.7bn pre-tax profit for 2012 as the bank was hit by further misselling provisions of £1.5bn and its £1.2bn fine from US regulators last year The bank saw profits fall 5.5 per cent last year, down from £14.4bn in 2011. The bank has set aside an extra £1.5bn in 2012 to cover compensation payments for the misselling of financial products, including £1.1bn to cover costs related to the misselling of payment protection insurance and £397m to cover costs relating to the misselling of interest-rate swaps. In total, HSBC has set aside £1.6bn to settle PPI-related claims. HSBC also had to pay a £1.2bn fine from US regulators last year to settle a money-laundering inquiry. Total group revenue fell 5.6 per cent from £72.8bn to £68.3bn. The group’s core tier 1 capital ratio increased from 10.1 per cent in 2011 to 12.3 per cent in 2012. HSBC’s European division made a £2.3bn loss in 2012, due to a £2.7bn write down in its own debt. The previous year it made a £3bn profit. In the UK, the bank lent £16.4bn to mortgage customers in 2012, up 24 per cent on the £13.2bn lent in 2011 and £4bn more than its original commitment of £15bn of new mortgage lending in 2012. The bank approved £19bn in total in 2012. The bank had a 12 per cent share of the UK mortgage market as at the end of 2012, up from 10 per cent a year earlier. Group chief executive Stuart Gulliver says: “Although reported pre-tax profit fell by 6 per cent to US$20.6bn [£13.7bn] in 2012, underlying profit, which includes the impact of fines and penalties and UK customer redress provisions totalling US$4.3bn, grew by 18 per cent. This was primarily due to revenue growth, notably in global banking and markets and commercial banking, and lower loan impairment charges in North America. We regard this as a good performance.” Link: http://www.mortgagestrategy.co.uk/latest-news/hsbc-posts-137bn-profit-but-sets-aside-extra-15bn-for-misselling/1067038.article