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Found 54 results

  1. I have a 2012 Ford Focus that broke down 8 days after the extended Warranty on the Transmission Control Module (TCM) ran out. The local Ford dealer requested that it be treated as a warranty repair but Ford declined. The garage has asked me to contact Ford direct. From my research the TCM for the 2012 Focus is a long standing and known Ford issue. In Australia the warranty extension was to 7 years and in the US, the warranty extension was to 10 years. In the UK it is 5 years. Apart from facing a bill of £600 plus, it is particularly frustrating in that: 1. The car was serviced by my local Ford garage in August (which would have been within the 5 year warranty) and when I took the car in I did request that they investigate a juddering issue. The service desk took notes of the various things that i had asked to be done but apparently this particular issue was not logged. I therefore have no physical evidence that the juddering which is a classic symptom of a TCM issue occurred during the warranty period (I do have a word doc in which i made notes about what i wanted doing, the properties of which show the date of 4th August, but this is not being taking into account). 2. The local garage did actually phone to tell me that the repair would be done under warranty. They are not disputing that they told me this. However, when it came to processing the paperwork, they then informed me that it wasn't a warranty repair. 3. the car was given a software update for the gearbox in 2016 and 2017 services which I understand was to help with juddering on gear changes. So my questions: a. Do I have a case for requesting from Ford that the repair is considered a Goodwill out of warranty gesture? The car has a full ford service history. b. Do i have any case for making a complaint to the local dealer who wrongly informed me that the repair would be covered? c. Is there any way to prove the legality of the word document that contains my notes from the service. It was created and saved on 4th August, on the day I made the appt for the car to be serviced? Forgot to say that the local garage has been helpful albeit not in actually getting the repair accepted under warranty. They have given me a loan car as the repair is now into its 6th week. Another additional note. If this was a regular consumer item like a tap or a TV then I would go down the 1973 sale of goods act that the goods need to be fit for purpose and that there would be a reasonable expectation that the TCM unit would have a longer lifespan than 5 years, in effect there is an implied warranty but it appears from my research so far that the car manufacturers don't back down when this is put to them.
  2. I had a quickquid loan back in 2012 didn’t end up paying it back. It doesn’t show on my credit file. Quickquid sold it in 2013. It’s currently with PRA group who chase me for it sometimes. Now I was on a payment plan with payplan with last payment being in July 14. I asked payplan for records of who I was paying and I cant see anyone listed as quick quid theres one on there called Mackenzie Hall and cash window there the only ones I cant remember or are not sure who I might have been paying, I’m worried PRA might go to court before this is potentially stat barred(if I did make a payment in July 14) Do you think I should do anything, my last payment to quickquid would have been in 2012 so its stat barred if that’s the case, it’s just whether I did pay anything with payplan and it’s gone to a random debt collected. Do you think I should be proactive and get an IRL complaint in or not do anything?
  3. Have just returned from helping a family friend out this evening, she was stranded at road side with puncture, and no spare wheel, car jack, wheel brace or emergency puncture repair kit in the car.The car was the lady's first and she bought on the basis of colour and because it was cute, in other words the car dealer saw her coming and quickly worked out she was not aware of what to look for when buying a car. So, tonight in pouring rain and in the dark at the side of the road I had to give her and her son a lift and abandon her car at roadside.Before, I call the 2nd hand car dealer tomorrow, I want to calm down abit and seek the advice of CAG on this matter. I understand that many cars are no longer sold with spare tyres/wheels and a foam repair kit is often supplied, but this car I now know is supposed to be supplied with a spare wheel as the deep hole in the boot suggests. There is no tools present/supplied to jack the car and nor is there a wheel brace.Am I correct in thinking that legally these should have been supplied? What course of action would you recommend?Thanks as always for any help offered.
  4. not even sure what this relates to but they have been trying for ages and not even sure if this belongs to me.....do I need to worry about it? edfenrgy_Redacted.pdf
  5. Hi How do I get rid of a closed account on my credit account which was a default from 2012? Thanks in advance.
  6. My Ford Focus 2012 auto has just gone into fords after dangerously shuddering and changing gear. They have told me it has a leak and the clutch needs replacing £1200. I’ve read about lots of issues with this part due to faulty seals. My car has only done 53,000. It had a TCM update 2 years ago when it was shuddering mildly. Ford are saying it’s my problem and not covered under any recalls etc. Has anyone else managed to get ford to replace their clutch with no cost? I’m fuming with them oh and the part is not in stock and they don’t know when they can get it - tells me they are doing a lot of replacements!!
  7. I agreed to a Tomlin order back in 2012 with an agreed payment of £50 per month. My solicitor recommended we agree, having nuked a couple of other credit card debts for me. One of the terms was a voluntary charging order which never happened, I sold the house in 2015, never even considering the Tomlin Order. I have been paying the £50 pm since inception(2012) and not heard a peep from anyone until this week when RobWay, the DCA have been texting me to call them. Is there anything they can do, given I am in rented housing, to vary the Tomlin order? It does say subject to 6 monthly reviews which have never happened. I haven't replied to them and clearly writing to me at my old address won't get a response. I'm living a hassle free life now, rebuilt my credit rating etc but don't want to get a CCJ as I would lose my job!
  8. I have received a letter from B W Legal, stating that it is a `Discount Offer` to settle a PCN which they state has not been resolved. Their letter is in the usual format. Interestingly, they state that the contravention was dated 23rd June 2012, which I understand pre-dates the official inception date of POFA. I do not have any memory of this alleged event as the car was only in my name for insurance purposes and belonged to my son. As this pre-dates POFA, am I right to assume that if I state that I have no knowledge of the driver, especially after 6 years, they cannot enforce this?
  9. I own an auto 2012 Ford Focus, which I have just learned has an ongoing problem with the Transmission Control Module (TCM), there have law suits all over the US about it and several recalls. Over here in the UK it appears that the most Ford have done is to extend the warranty on the part to 5 years. In the US the extension was initially to 7yrs/100,000 miles, and more recently the extension has been now extended to 10years/150,000. miles in the US. Yet it remains at 5 years here in the UK. Our car has not been driving well; not shifting gears properly about 2 weeks ago ended up going in to limp mode with the transmission light coming on. (we had it service last year at Ford - they said it was fine and no lights ever came on prior to this occasion) We took it to Ford (in London), they "fixed" it, telling us it was a recall issue which was a software issue. we collected the car and within 5 miles it went in to limp mode again. Ford now say the whole TCM needs replacing. Charge, including labour, will be £635.20. Luckily my partner, who was driving the car when he collected it the first time, got stuck in traffic, otherwise its very likely he would have been on the motorway doing 70miles and hour and the transmission would have failed and the car gone in to limp mode. Ford acknowledge that it is a known problem with the TCM in these models which is why they gave the extension on the warranty to 5 years. But my argument is why do UK customers get 5 year extension and the US customers get 10 years. How can Ford treat their customers differently for the exact same problem? Our car is about 5 months passed the 5 year warranty on the TCM. I also understand that the software upgrade was to notify the driver earlier of problems with the TCM, so if we had had the software upgrade earlier, we might have discovered the problem when we within the 5 year UK warranty period. I've called Ford UK and they just say I have to pay for the repair as I am not within the warranty period. I don't want to accept this and want the same warranty as other costumers in other parts of the world get. I've been sold the same faulty car as every other person out there with this problem, so why different treatment? I feel like a UK customer is less important than a US customer. NOTE: if anyone was looking at buying a Ford Focus or Fiesta - DON'T , do you research first as its a problem that still has not been solved, even with the 2016 models. Anyways, any help welcome. DR
  10. Hi, so like many over the past few months I'm new to this site and have received a letter from Moriaty Law stating that I owe £877.55 from a loan I took out with Quick Quid back in May 2012. As I'm already paying one debt off with Moriaty I contacted them straight away and questioned it. I probably should have posted about this earlier before taking any action, but here's what's happened so far: I've asked them to provide all/any documentation they can in regards to the load as I genuinely don't remember taking it out. There's a fair chance I did as but I'd like to see proof first. They said it was a fair request and will begin to request the documentation. They then stated that I did, in fact, pay £105.50 off the loan two weeks after taking it out (probably first pay day after getting it). They then said that MMF are willing to accept £700 as a settlement. I've tried to gaina ccess to my old email address used at the time but with no avail. I'm also using a different bank account now so have no way of checking on receiving the load or making the payment. Usually I would just begin to pay the load as I know it's my mess and I have to deal with it, but this one sounds a little suspicious after not hearing about it for years. And I also know what has happened with MMF and read multiple articles stating that £0.5 million has been written off due to unfair practices. Any advice as to what I should do next or when I receive the paperwork would be of great help.
  11. Good Evening all, I was wondering if someone could help me with an issue I have about a Barclaycard that I opened in 2005. I build up a balance of around £4000 but paid it off in full in March 2012, I have clear evidence of this as I kept most of the statements and you see the balance goes form £4000 to £0000 (although the statements do not say payment received). I also have 22 following months statements with a balance of £0000. I did not use the account after I paid it off (cut up the card) and after receiving nearly 2 years of statements, they suddenly stopped and I thought the account had closed. I also have a noodle credit report from 2014 that mentions nothing of this account (again proving the account was not in default) Any way in October 2016 I received a letter from Barclaycard saying they had closed this account and transferred it to a company called Asset Link capital with a balance of £4200. I though this must be a mistake and ignored it. I have since received letters from Link demanding payment in full and the latest letter has even threatened solicitors (Mercers Kearns ) action within 14 days. I have checked my most recent noodle credit report and this alleged debt does now appear, so Barclaycard must have backdated my credit report reporting it as default from Feb 2012 (please note it does not appear on the 2014 report), I am worried like hell that I am now going to be taken to court for a debt that has been paid off once (2012). How is it now that 5 years later banks/debt collection agencies can be hasting/threatening legal action for a debt they seem to have made up. There must be some kind of criminal actions going on here. Would there be anyone in the CAG community that can help/advise me with a template letter to send, I am not sure where I start and how I explain all of this or indeed who to report it to. Please please please someone help this worried persecuted human being who has very little money and even less knowledge on how best to tackle these criminals :-(:-(:-(
  12. Hello need some help with a CCJ letter received today from Mortimer Clarke, for what they say is a 2012 mobile phone account with EE that I can not remember ever having. I have had previous letters but not knowing what they were for just ignored them. It say I have 14 days to reply to the court letter or pay in full with their 75 pound charges on top what can I do. Regards Jdene
  13. CAG Newsletter - October 2010 01 -October 2010 Newsletter.pdf CAG Newsletter - November 2010 02 - November 2010 Newsletter.pdf CAG Newsletter - December 2010 03 - December 2010 Newsletter.pdf
  14. Good Afternoon CAG Firstly i would like to thank the people that helped me in my first two issues that are now resolved you know who you are much appreciated. I have another issue that involves opos limited in 2012 i was being contacted constantly bu this company they were even harassing my employers switchboard trying to contact me. in July 2012 I was asked to attend a HR meeting with my employer to discuss informally the nuisance calls that there switchboard was receiving from Opos Limited asking for me and being very aggressive with staff, I was asked for this to stop as company switchboard was not my personal secretaries and if it continued we would be coming back for a more formal discussion. Immediately i contacted the ICO who advised me to send them a section 10 notice for them to remove my details and i did state they should correspond with me in writing, I also sent an email as well stating the same thing Everything stopped for 3yrs 5mths, Then December 2015 i received an email at work from Opos followed by harassing calls to my mobile, I once again asked them to remove my details and they were in breach of the section 10 notice sent to them in July 2012, They once again removed by details and said they would only correspond via Letter as requested. You would think this was the end sadly not Roll on March 2016 once again start ringing me sending emails to my work wouldn't stop, I contacted Opos which i am very lucky to have a call recorded on my phone which records all out and inbound calls and has been very handy in the past, I wanted to make a complaint which i was told i couldn't and they wouldn't take one , Spoke to a manager who also refused to take the complaint same time also refusing to remove my details stating they sent me a letter to an old address saying that if i do not reply to them via letter they would re-instate my details and start contacting all over again, I sent an email to Opos expressing my dissatisfaction on what was happening they responded via letter to say they would investigate my complaint and would supply me with a final response, Many weeks had past and approaching the 8 week deadline, I called them to be told it was sent out on the 27th March and still in the post, I asked if they could sent a copy to my email. Next day they started harassing me once again two calls 8.00am & 8.01am Yesterday morning i answered second time the agent from Opos was so aggressive and rude i asked to make a complaint and be put through to her manager, I explained to her manager very clearly i wished to make a second complaint in relation to the agent i had just spoken to, They once again like the first time refused to take the complaint stating they had already sent a final response and i should take it up with financial ombudsman, I explained that this second complaint is nothing do do with the first complaint and is in relation to whats happened on the call today, Once again manager refused to take complaint and hung up on me, I email Opos complaints team after this, They responded saying the manager may have be confused by what i want to do and want me to send them the complaint again, I will be refusing i have made it very clear twice on that call in great detail of my complaint so should have to do it all over again they have already sacked somebody over this the first time as you will see from final response. Now there repeating the same thing all over again Here is Opos Limited's Final Response --- I have removed identifiable contact numbers and email addresses Further to your recent communications with our office, I am concerned to hear that you have been dissatisfied with the service that has been provided. At Opos Limited we always welcome customer comments as it helps us to review our processes and where necessary put things right for you. Please note that this debt was purchased in December 2014 by Kapama Limited and as a result is now being managed by Opos Limited. My understanding of your complaint is that: 1. You were contacted by email to an employee email address which you had previously requested was removed from our systems 2. You were unhappy that a complaint had not been logged on the first occassion that you expressed you were dissatisfied In reference to the contact information we held for you, the email address of @bri was supplied during the application process for this loan, along with a second email of @live.co.uk. On the 10th July 2012 we sent an email to both of these email addresses requesting that you contact us to resolve the above balance. At this point we were acting on behalf of Mini Credit and both of these emails were supplied as a contact method for yourself. Following this, we received an email from you requesting that the contact emails were removed and that we contact you only by post. At this point we did remove all other forms of contact, which included both email and telephone numbers. We did send information to you by post as requested on three separate occasions; 19th July 2012, 24th July 2012 and 9th September 2012. This account was then passed back to Mini Credit in 2012 as we were unable to contact you. In December 2014 this debt was purchased by Kapama Limited, and the account was then reopened with Opos Limited on 16th October 2015. We again attempted to contact you by post, however had no response. As a result of this we reinstated the contact telephone number of 07 and the email addresses we had on the system, as we had no other way to contact you to discuss your outstanding balance. We spoke with you on 7th December 2015 and again you stated only to contact you by post. Our agent advised you at this time that if we had no response via post then we would reinstate other contact methods, as we had an outstanding balance to resolve with you. Again, we had no response from you by post and no payments were made towards your outstanding balance. As advised, the contact information we held for you was reinstated as we had an outstanding balance to discuss and had been unsuccessful using the contact method you had stated you would respond to. In terms of the annual account statement, this is a document we send out in line with the regulatory oblilgations set out by the Financial Conduct Authority. These were all set out by email and it was appropriate to send this to you as we had no contact from you to resolve this balance. I understand that you called in on 15th March 2016 as you were unhappy you had recieved this. Our agent did advise why this was the case and explained why the contact information had been reinstated, but at that point you advised her that you wanted to make a formal complaint. Although you did end the call, this complaint should still have been logged and I can only apologise that this was not done at that time. This was down to the human error of the particular agent who dealt with you. It is unfortunate that in this instance we have not achieved the high standards we set ourselves and can confirm that the right level of feedback has been given to the individual concerned. In addition, further steps have been taken to ensure that this cannot happen again and the individual concerned is no longer employed by Opos Limited. Feedback has also been given to the collections team using your case as an example of how human error can negatively impact our customers’ journey. For the record i did not hang up i was transferred to a manager who also started stating i could not raise a complaint backing up here colleague, So looks like they sacked the agent and not the manager even though both equally responsible, Here are some other points they make not relating to my complaint do not know why they included it since i have never acknowledged this debt and never will, The credit agreement sets out the borrower: your name and correct address, the duration of the credit facility, the amount of interest charged per day and the APR, the charges applied should you not pay back the amount in time, as well as all terms and conditions associated with this information. According to the information provided by Mini Credit at the point of sale, the default date of this accountis 5th July 2012. Unfortunately, a copy of the default notice issued to you was not included in the documentation provided but it should be noted that whilst it is good practice and should ideally be done, lenders are not required to issue default notices before recording defaults on a credit file. Because of this, I have to tell you that I am only able to partially uphold your complaint. I appreciate that this is likely to come as a disappointment to you but I hope that my explanation has been helpful in setting out clearly why I have taken this view. That said however, in an effort to put things right for you and by way of apology for any inconvenience caused, I propose to remove the debt collection fee from your outstanding balance, which will reduce Opos Limited Registered Office: 2nd Floor, 15 Meadowbank Street, Dumbarton, Dunbartonshire, G82 1JR Registered in Scotland: SC338837 Telephone: 0141 428 3990 Email: general@oposlimited.com Secure Website: www.oposlimited.com Authorised and Regulated by the Financial Conduct Authority: IP616281 Calls may be recorded for training and quality purposes your balance by £100 and leave an outstanding balance of £1,089.00. Upon repayment of this balance, this will also be reflected on your credit file. If you wish to accept my proposal as final resolution of your complaint, please complete the section on the bottom of both copies of this letter, retain a one copy for yourself and return the other to me within 30 days of the date of this letter. If you fail to respond to this offer within the given timeline my offer of resolution will not be binding and the full outstanding balance will be due. To date i am in the middle of taking my complaint to ICO as a Section 10 has no time limit and feel my data is not been processed correctly. I need somebody help me put a case together to send to the financial ombudsman, Also is what they say correct lenders are not required to issue default notices before recording defaults on a credit file Thank you for taking the time to stop by and thank you in advance for any advice you can give me as the harassment is non stop, Regards PCR
  15. Hi all, Bought a hotpoint tumble dryer from John Lewis back in December 2012. So far I have had no problems. In december 2015 I received a letter (attached ) stating that the model I have TCFG87C6P, is faulty, a fire hazard and needs modification to make it safe to use. Now I have used the machine many times and gone out leaving it on, only now to find out that it could potentially have burnt the house down. Luckily this has not happened. I am aware the product is out of warranty but am I within my rights to request a new tumble dryer from John Lewis, considering that the one they sold me in the first place was never fit for use of more to the point safe to use. Any help much appreciated. Kind Regards BB John lewis tumble dryer indesit_Redacted.pdf
  16. Hello, I have done some research on this forum (and others) and haven't found anyone in a similar situation. I have received a letter from BW Legal demanding payment of £174.00 for their client, Vehicle Control Services Limited, for a Parking Charge Notice (PCN). This 'PCN' was given as the car was 'Parked beyond the bay markings'. The letter has the standard 'fear' language such as 'if not paid we will commence legal proceedings' and 'If we gain a CCJ this will have a detrimental effect on your future creditworthiness and employability'. This letter is also signed 'BW Legal' rather than with an actual name, which I find odd. This was a free car park in Sheffield for Valley Centretainment customers (Which we were). We went to the cinema and restaurant there but parked on the end of a row of cars, which wasn't marked as a parking bay. There was no signage that clearly stated that cars must be parked in the bays and as it was a free car park for customers I refused to accept the charge. Back when the original letters were sent, I followed online recommendations to simply ignore the demands, and after several 'final notices' I heard nothing from them until now. The PCN was issued early 2012 (I've read on other threads that it is pre PoFA, but I don't fully know what that means). Doing some research now it seems that it might not be the best idea to continue ignoring these letters, however I don't want to respond to them after such a long time as it might trigger them to harass me or to 'continue with legal proceedings'. I would ask if anyone could suggest if I should respond, what response to give and the best way to respond (I presume all written/mailed rather than email). They have demanded I pay within 16 days of the date of the letter, which was a few days before I even received the letter, or they will carry out with proceedings with the County Court Claim. Thank you for reading my post and I appreciate any help/suggestions given.
  17. Is anyone aware of BW actually going to the county courts and winning? Also how many letters will I be looking at receiving before I get a county court claim form? Mine dates back to July 2012!
  18. In n order to better understand the current position regarding the above, I thought I would put my understanding on here and then hopefully people will correct any misconceptions. The TCEA The immobilization of vehicles as part of the taking control of goods procedure, is covered by schedule 12 of the TCE. http://www.legislation.gov.uk/ukpga/2007/15/schedule/12 The power to take control of goods is given by section 13 of the schedule. 13(1)To take control of goods an enforcement agent must do one of the following— (a)secure the goods on the premises on which he finds them; (b)if he finds them on a highway, secure them on a highway, where he finds them or within a reasonable distance; ©remove them and secure them elsewhere; (d)enter into a controlled goods agreement with the debtor. (2)Any liability of an enforcement agent (including criminal liability) arising out of his securing goods on a highway under this paragraph is excluded to the extent that he acted with reasonable care. (3)Regulations may make further provision about taking control in any of the ways listed in sub-paragraph (1), including provision— (a)determining the time when control is taken; (b)prohibiting use of any of those ways for goods by description or circumstances or both. The relevant sections being; Subsection (a) which covers the securing of goods on a debtors premises, Subsection (b) which covers the procedure on the highway. Section 3 permits the creation of regulations which define the procedure to be used: Taking Control of Goods regulations (2013 8094) http://www.legislation.gov.uk/uksi/2013/1894/contents/made The relevant sections contained within the regulations are: Section 16 which covers the immobilisation (clamping) on debtors premises: 16.—(1) Subject to paragraphs (2) and (3), an enforcement agent who is securing goods of the debtor on the premises on which they are found (under paragraph 13(1)(a) of Schedule 12) may secure the goods— (a)in a cupboard, room, garage or outbuilding; (b)in the case of goods on premises (or on a part of the premises) which are not occupied for residential purposes, by the enforcement agent remaining on the premises to guard the goods of the debtor of which the enforcement agent has taken control; ©by fitting an immobilisation device (which must be provided by the enforcement agent); and Section 18. which covers he procedure for immobilization on the highway Securing goods of the debtor on a highway and removal: vehicles 18.—(1) Where the enforcement agent is proceeding under paragraph 13(1)(b) of Schedule 12 and the goods to be secured are a vehicle, those goods must be secured in accordance with this regulation. (2) The vehicle must be secured by an immobilisation device, unless the debtor voluntarily surrenders the keys to the vehicle to the enforcement agent. (3) The immobilisation device must be provided by the enforcement agent. There are differences in the two procedures which can be discussed later, hopefully in this thread. The next post will concern the Protection of Freedom Act 2012 and how (if at all )it effects the EAs ability to immobilize vehicles by the use of a clamp.
  19. Hi I have 2 overpayments currently being reccovered from my ctc these are for 2011/12 I have being disputing and complaing etc since then. I have all my sars data with parts missing have wrote complaint about missing data also contacted my mp who contacted them. What i am wondering now I have majorityof call reccords and screen shots I feel it should go to offical error, however was wondering if i should await response from ministerial complaints or carry on and submit letter of official error.
  20. http://www.bbc.co.uk/news/uk-25213633
  21. Metro Bank increased its gross lending by 796 per cent in 2012. The bank’s returns show that in the 12 months to 31 December 2012, the bank advanced £62.7m to mortgage borrowers, compared with £7m in 2011. Total lending, which includes, mortgages, credit cards, overdrafts, term loans and corporate lending, totalled £168.1m in 2012, up 297 per cent on the £42.3m advanced to customers in in 2011. Figures published by the Bank of England earlier this month show Metro Bank has made good use of the Funding for Lending scheme with cumulative net lending of £171m from a base stock of £78m since the scheme launched in June 2012. Total deposits increased from £152m in 2011 to £576m in 2012, giving the society a loan to deposit ratio of 29 per cent at the end of 2012, up from 28 per cent in 2011. The lender had 136,000 customer accounts at the end of 2012, up from 48,000 a year earlier. Metro Bank made a pre-tax loss of £45.7m in 2012, up from £33m in 2011. Chairman Vernon Hill says: “We launched Metro Bank in July 2010 to bring a better banking experience to the UK, one that is focused on providing customers with an unparalleled level of service and convenience. “Since launch, we have seen both business and personal customers flock to us for exactly this reason, and as a result we have grown ahead of plan, with further significant growth in 2012.” Link: http://www.mortgagestrategy.co.uk/latest-news/metro-banks-mortgage-lending-leaps-796-in-2012/1072583.article
  22. http://www.osscsc.gov.uk/Aspx/view.aspx?id=3792 I've spent the best part of 2 weeks trying to get my head around this... has anyone had better luck than me? What are the effects of the ruling? I seem to interpret that anyone with mental health problems making a claim for ESA have been discriminated against if ATOS have not sent an ESA113 to their doctor. Is that right?
  23. The major UK banks saw a 45% rise in core profits in 2012, but that hike was wiped out by a mix of regulation and their own mistakes, a KPMG report says. Its performance report looks at Barclays, HSBC, Lloyds Banking Group, RBS and Standard Chartered. It says the banks' combined core profits last year were £31.5bn. But this was eliminated by the "cost of past mistakes and increased creditworthiness of their own debt", the audit firm's report says. "Dire" This development meant that the major banks actually saw their statutory profits slump 40% on the previous year, at £11.7bn, KPMG added. The banks, it says, were hit by PPI costs of £7.4bn - up from £5.7bn in 2011. In addition, there were other fines and penalties from regulators and "redress provisions" of £4.7bn, and a £12.8bn accounting hit for losses caused by the revaluation of "own debt'", "reflecting the credit markets' more positive view on bank issuers and interest rate movements". "Banks had a better performance year in 2012 but their improved core profits were eaten up by fines and other exceptional items, leaving them down on 2011," said Bill Michael of KPMG. He added: "In terms of their reputations, 2012 was a dire year. This is why it is so important for them to address cultural and ethical perceptions and issues. Restoring customer trust is critical." 'Essential function' However the report does acknowledge the improvement in core performance from the banks, and says it is due to two main factors. Better credit performance has meant that impairment (bad loan) charges have continued to fall with continued low interest rates enabling the majority of customers to pay their mortgages and even reduce their credit exposures. And stronger investment banking results have meant that revenues were generally up, especially in rates businesses, helped in large part by more positive sentiment surrounding the future of the eurozone. But the report also points out that current events in Cyprus show that such sentiment can be transitory, "Overall, banks have made progress," said Mr Michael. "They have strengthened their balance sheets and made strides to bolster their capital. "They are becoming better able to carry out their essential function of providing support to businesses and promoting economic growth. However, the necessary changes to address conduct and behavioural failings will have a significant cost." More: http://www.bbc.co.uk/news/business-21916653
  24. Hi, On 18th October my car was in Clackett Lane (M25 services) for over two hours as the driver had returned from the US overnight and feeling very tired and not wanting to cause an accident he fell asleep and overstayed. I just received the email shown below from Debt Recovery Plus Ltd in response to my email (I wrote to CP Plus Ltd stating I would be happy to see them in court and explain before the magistrate/judge what happened. Equally I will be happy to see you in court so please don't bother sending any further correspondence unless it relates to a court date as I will not be responding.) Just wanted to check my position is OK - thanks Thank you for your email Mr Hall. Due to the content of this correspondence, I would like to clarify our position regarding this Parking Charge Notice (PCN). The site in question is subject to terms and conditions which are stated on signs throughout the area. Parking restrictions are put in place for a variety of reasons; including traffic control, congestion avoidance, etc and, as such, must be strictly enforced. As these terms were breached on 18th October 2012 (by overstaying the permitted time limit), a PCN was correctly and legitimately issued. Please find enclosed photographic evidence taken at the time of the contravention. Within the correspondence, court action has been referred to. As such, I feel obligated to inform you that, under the Pre-Action Protocol of the Civil Procedural Rules, court action must only be viewed as a last resort. I am attempting to abide by this direction by trying to settle the matter amicably without court involvement. However, if the matter does go to court it will be pointed out that, in line with The Protection off Freedoms Act 2012, you were granted a certain time within which to appeal; including to an Independent Appeals Service. I understand that this is not the desired outcome. However, unless further evidence is provided, the decision on this matter is final. Furthermore, while any further correspondence contesting the decision will be noted and filed, I cannot assure you of a response unless fresh evidence is provided that would have a bearing on the decision. As a gesture of goodwill, I will place the account of £120.00 on hold for 14 days to allow time for payment to be made. However, if no payment is received within this period, the matter will be passed on to our solicitors for further action to be considered.
  25. Hi Guys, Does schedule 4 of this act make any difference to private parking companys or is it only for Local Authoritys? Bit confused TBH http://www.legislation.gov.uk/ukpga/2012/9/schedule/4
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