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Found 12 results

  1. This very recent Local Government Ombudsman's decision (released 10 days ago) is another one of importance. In this particular case, a motorist had incurred a penalty charge notice from London Borough of Haringey for wrongful parking. As the contravention was for parking as opposed to a CCTV contravention, she received a Penalty Charge Notice on her car advising that the charge was £130 but if she made payment within 14 days, she would be entitled to a 50% discount bringing the penalty down to £65. She told the council that she could not pay and offered to clear the debt over a 15 month period at £5 per month; the Council refused but offered here a further 14 days to pay at the reduced rate. She refused to pay. A warrant of control has been issued and passed to bailiffs to enforce and the debt has risen from £65 to £513 (to include bailiff fees of £310). PS: Please see the next post for a copy of the decision.
  2. http://www.bbc.co.uk/news/business-39792170
  3. The old paper £5 is being replaced with a plastic note on September 13. The new note will be phased in so that by May 2017 it will have replaced the old fiver altogether – shops will then stop accepting paper £5 notes as legal tender. The Bank of England claims the new plastic pounds are: Resistant to dirt and moisture so stay cleaner for longer than paper banknotes More secure so will provide enhanced counterfeit resilience More durable so will increase the quality of banknotes in circulation Read more: http://www.thisismoney.co.uk/money/news/article-3761394/As-Royal-Mint-goes-plastic-early-banknotes-set-rise-fiver-s-new-flexible-friend.html#ixzz4IilD7DHL
  4. Hello all During the tax years of 2010 and 2011, I claimed Working Tax Credit as I was self-employed, on a low income and worked the required amount of hours. Last year HMRC decided to review my case, and as I was not being paid an hourly rate, and being paid a lump sum per invoice, I was no longer entitled to WTC, even though I could easily show I was working the required number of hours weekly. I did not have the stomach, nor the time, to keep arguing the toss with them so allowed my WTC to stop. Just yesterday a bill from HMRC for just shy of £5,000 landed on my mat, asking for immediate payback or debt collection! Being self-employed they all my address details and this is the first bit of correspondence I've had asking for payback to something I was genuinely entitled to!! They have not given me the option to contest this on the letter, but I darn well will. I didn't steal this money - I needed it when business was waning and I have worked bloody hard to improve my business in challenging times. Hopefully, one of you lovely people can offer some advice of where to begin...
  5. Ikea is sprucing up its offer by selling cheap six foot Christmas trees in a bid for more festive business as analysts claim as much as 62pc of the high street is already on sale Famed for its flat-pack beds and the meatballs in its restaurants, Ikea is branching out in the festive rush by selling real Christmas trees - for five pounds. The Swedish out of town giant yesterday revealed its tactics for trying to entice shoppers away from the high street - offering customers a £20 coupon if they forked out £25 for a real, 6 foot Nordmann fir. Ikea said rivals were selling trees for as much as £79.99 elsewhere in Britain, with the average price £48. Brigit Hartelius, deputy country manager for the UK, told the Daily Telegraph it was all part of giving customers an "affordable Christmas". But more cynical analysts said it was simply part of the cut and thrust at Christmas as competition for shoppers hots up. Last week, accountants PriceWaterhouseCoopers said 62 per cent of the high street was already on sale or running promotions amid fears hard-pressed families coping with rising energy bills will cut back this Christmas. More: http://www.telegraph.co.uk/finance/personalfinance/consumertips/household-bills/10506222/Christmas-offers-best-gifts-cheap-presents-real-Christmas-trees-best-Christmas-trees-Ikea-Hawkes.html
  6. I am in nearly £5,000 worth of debt with 8 different collection agencies. Some of them being Lowell, Marlin, Quikcbridge BCW, Capquest. I honestly don't know where to turn to for advice, so I am hoping someone on here could help?!?! I have set up payment plans with a few of the companies but many of them keep hounding me to up the payment and even though I have sent them forms and proof or incoming and outgoing they wont let up. I have heard about asking them for my contract, can I do this? If so how ? What is the best course of action to take with them ?
  7. Barclays has gone to shareholders to raise £5.8bn after the bank revealed it faced a capital shortfall of £12.8bn to hit a new Bank of England-imposed safety buffer. In a statement this morning, the bank said it would launch a deeply discounted rights issue to help close the gap between its current so-called leverage ratio and the one being imposed on British banks by regulators. The announcement came as Barclays unveiled its results for the first half of the year, which revealed larger than expected provisions against the cost of compensating customers mis-sold payment protection insurance and interest rate hedging products. The bank set aside £1.35bn against further PPI claims, taking its total compensation fund to just under £4bn, and a further £650m for interest rate swap redress, increasing its provision to £1.5bn Barclays' statutory pre-tax profits for the first six months of 2103 increased by £806m yearon-year to £1.67bn, while its adjusted profits, which strip out the mis-selling provisions, as well as changes in the value of the lender's own debt, fell by 17pc to £3.6bn. The rights issue will allow existing investors to buy one new share for every four they currently own at a price of 185p, a discount of 40pc to they bank's closing share price yesterday. Antony Jenkins, chief executive of Barclays, said the bank had taken the decision to raise they money after "careful consideration of the options". "The Board and I are aware of the implications of a rights issue for shareholders. We hope to balance this with reduced uncertainty in the outlook for Barclays and with enhancement of our dividend payout from 2014," said Mr Jenkins. More: http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10210317/Barclays-calls-on-investors-for-5.8bn-to-help-fill-12.8bn-capital-hole.html
  8. Building society windfalls are back. Members of Barnsley Building Society will receive up to £5,000 after the mutual recovered money tied up in failed Icelandic banks. Barnsley was forced to merge with Yorkshire Building Society after £10m it had deposited with two Icelandic banks, Kaupthing Singer & Friedlander and Heritable Bank, was feared lost. But at the time of the merger it promised that any money it recovered from the banks' administrators would be returned to its savers and borrowers. It has now said that £8.8m has been recovered after a four-year process. Barnsley's savers will receive 3.31pc of their total savings balance held with the society on October 21 2008, subject to a minimum of £25 and a maximum of £5,000. Borrowers will get a flat payment of £250, although all payments will be taxed at source. In all, about 28,000 account holders will benefit. To qualify for the windfalls, savers and borrowers are required to have maintained continuous membership between October 21 2008 and October 21 this year with one or more of the brands in the Yorkshire Group, which also includes Chelsea and Norwich & Peterborough building societies and Egg. Eligible members have already started to receive their payments and the distribution process should be completed by December 21, Barnsley said. Link: http://www.telegraph.co.uk/finance/personalfinance/building-societies/9734297/5000-windfalls-for-building-society-members.html
  9. Hello Keeping it short and sweet. Someone i know who is also unemployed has been overdrawn the last three months, his bank the Natwest is charging £5.00 per day + other charges at the start. Can anyone tell me the best plan of action to start off with? Is there anyway to stop these charges. Also get the previous £5.00 per day charges taken off. I'd be so grateful for any advice given. Thanks
  10. We went to Barcelona for five days in June. We signed up for Vodafone's Euro Traveller bolt-on at the airport, but it looks as if our account and number was breached and something like 6gbs has been downloaded in a short period of time, causing us to go over our 750mb limit. We face a bill of £5,556.74. Six weeks after our trip, and nearly a dozen phone calls on our side to Vodafone say we still owe them this sum. On 3 August, without warning, both my husband and I were cut off from the Vodafone service. He was on his way to a meeting and was unable to contact his client to tell him he was running late and had to try to find a pay phone to call him. This caused us acute embarrassment as we are a small company and every meeting and every client is very important to us. VJ, London Vodafone quickly admitted it had made a mistake. It said the unexpected charges were a result of "the failure of its normal processes". A spokeswoman said its Euro Traveller bolt-on doesn't work with its older price plans. Staff should have recognised this and asked you to change to a more current plan. They didn't do so in this instance, so Euro Traveller was not correctly applied. She said its systems also failed to cap the amount of data used. The company has credited your account for the amount you were wrongly charged and has offered to pay one month's bill for each of you as a gesture of goodwill, totalling £80. You are delighted that the debt has been wiped clear, though you were initially unhappy with the level of compensation offered. But you accept that it will be hard to prove that Vodafone's actions led directly to any loss of business so you have reluctantly decided to accept the company's offer, but it is unlikely you will remain a customer. More : http://www.guardian.co.uk/money/2012/sep/01/vodafone-roaming-package
  11. hi am new to site and could do with advice. have several debts but are all due to drop of by october latest, have noticed on my credit file that on one of my debts its showing a payment of £5 made in 02/11. this is with activ kapital. i have not acknowleged or communicated with these people, what i want to know is this some underhand trick to get sb clock ticking again thanks and would appreciate help from you guys
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