Jump to content

Search the Community

Showing results for tags '2nd'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 68 results

  1. Having previously never been in trouble in my 54 years I got caught shoplifting in Dec 2016 and was given a fiscal fine in February 2017 which would stay on my record for 2 years. I cannot explain why though I did this again in ASDA in December 2018 (within the 2 years) stealing an SD card with a value of £11 which I didn’t need nor have used. This was seen on CCTV with the police identified me from my car number plate in the car park after which they asked me to attend the police station last week and charged me with the offence. They said as my fiscal fine was still within the 2 years they would have to refer it to the procurator fiscal. I have a good job earning over £50k per year and cannot explain why I did this the first time never mind the second. It beggars belief. My question though is what the likely penalty is. Can I get another fiscal fine or another alternative to prosecution as a conviction would likely end up with me losing my job as I require annual DBS checks
  2. Hi all, in 2008 I took out a secured loan of over £10k from Welcome and within a few years struggled to make the payments. The loan went to Cabot on Welcome's demise and then to Ascent. 2 years ago, instead of consulting this site(!), I started paying Ascent less than £100 a month (don't want to be specific, in case they're on here) and this has brought the amount down. The balance is still over £10k and there is a charge on my property. Having spoken to Ascent, I have asked for a settlement figure and they want and income/expenditure thing (not something I trust, it's just to see what they can squeeze out of you I think) before giving me one. I have offered around £4k. My main priority is to get the second charge removed. And hopefully for a substantial discount or nothing. Any advice from here please?!? I understand now that I shouldn't have paid them anything but as there is still a charge on my property I felt I had to.
  3. Hi, I have a BW Legal court case going on at the moment. Today I received another county court claim from BW Legal for a different company. This is fraud too. Name of the Claimant ? PRAC Financial Ltd Date of issue – 29/09/17 What is the claim for – 1.The Claimant's claim is for the sum of £300 being monies due from the Defendant to the Claimant, under a loan agreement regulated by the consumer credit Act 1974 between the Defendant and Instant Cash Loans Limited t/a Payday UK under account reference xxxxxxx and assigned to the Claimant on 09/12/2016 notice of which has been given to the Defendant. 2. The Defendant has failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. 3. The claim also includes the statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8% per annum (a daily rate of £0.06p from the date of assignment of the agreement to 28/09/17 being an amount of £18). What is the value of the claim? £360 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? loan When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. debt collector Were you aware the account had been assigned – did you receive a Notice of Assignment? The account was opened at a different address to mine. I lived at this address about 20 years ago but have moved twice since then. I received a debt collector letter in 2013 for this and I wrote and said they have the wrong person but I did not hear a thing until March this year when I got a county court summons. Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I have never made any payments What was the date of your last payment? None Was there a dispute with the original creditor that remains unresolved? Yes, there will be now. I did not know anything about this loan. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management? No
  4. 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.
  5. Yesterday in the House of Commons, Sir Greg Knight's Private Members Bill entitled: Parking (Code of Practice) Bill received its 2nd reading. The support that he received was overwhelming (and thoroughly deserved) and the Bill now passes to the Committee stage. Rougue private parking operators have cause for concern. Yesterdays debate is worthy of reading: https://www.theyworkforyou.com/debat...ailiff#g1160.0
  6. Hello, i'm new here having only just discovered this site I have a residential property with a mortgage in only my name which is all upto date with no arrears. there is about £145,000 equity in it. However i have 4 other charges on the property ( so total 5 inc initial lender) these 4 arose out of BTL props that "went wrong", banks sold the properties off way cheap, leaving shortfall debt which they then turned into secured charges. the total of the shortfall debt is approx £390,000, yes i know , its huge, ( as i said the banks gave the props away) so i have £145k equity v £390k shortfall some questions: If i try and sell the property what will happen? ( from a maths point of view if i did sell the property the 1st (Original) and 2nd chargeholder would be paid in full but there would no be anything left for the others) and if i try sell the property, can the 2nd,3rd,4th or 5th chargeholder block it? what else could i do? TIA
  7. We had a second charge against our home of aapx. £24k about 10 years ago. we have been paying £30 per month since then. So the current balance will be around £20k. My family want to help me remove this charge. Can someone please give me any advice on how to best approach this. A sample letter to write to the debtor maybe asking for a discount to settle and release the charge. Thank you. GH
  8. Visited my mum tonight like I do every week, she is 80 and suffering from the onset of dementia. Last week she had mentioned she loved the movie Dirty Dancing and would like to get the music from it so she could play it at home. When I walked in she was all excited saying she had bought the music from a 2nd hand record shop. The first problem was she had bought a 2nd hand copy on cassette and does not have a cassette player. She then tells me she has to return to the shop on Monday to pay the rest of the money for it as she did not have enough on her when she was in the shop. I had a look at the cassette and the price on it was £3.99 reduced from £4.99. My mum said she had paid £20 towards the cassette and the guy in the shop had taken her name and address and also asked for her phone number but she could not remember it and told her to bring in the remaining £19.99 on Monday. Now I know people will say how would anyone think the price of the cassette would be £39.99 but my mum does not have a clue what sort of price these sort of things sell for. I was going to go into the shop tomorrow but it's closed, so I'm trying to get some time of work to go in with her on Monday. Not sure about the best way to deal with this.
  9. Hi All I bought a 2nd hand Nissan X trail on 13th January from a local dealership. On 6th February I reported to the dealer that the car was making a loud noise from under the bonnet and that the engine management light had come on. We agreed to send it to my local Nissan dealership for them to run a diagnostic check. They diagnosed the fault code as an EGR fault and said that the noise could be coming from a worn turbo. They advised replacing the turbo and intercooler. After speaking with the dealership I bought the car from, I returned the car to them to investigate and they diagnosed a worn turbo which they took over 2 weeks to replace. They acknowledged the EGR fault, but did nothing to rectify it as the engine management light had gone out. Upon receiving the car following the new turbo, the noise was still there. I reported this again only to be told its to be expected with a car of this age and mileage. Over the past 3 weeks the noise has gotten worse and the engine management light has come on again. I have had 2 garages look at the car for me in the last few days and both say that the gear box is shot and that the EGR fault is still there and the EGR valve needs replacing. I have written to the dealership rejecting the car under the Consumer Rights Act 2015, but after speaking to them this afternoon I fear that they are just going to ignore me and try to fob me off. He is all ready talking about trying again to fix it. Do I have to accept this? or is there anything I can do to force the refund?
  10. Hi all. My family have come into a predicament whereby the mortgage on a second property (buy-to-let) that they own has expired. Just before the mortgage expired they had put the first property they own on the market, in hopes of selling it and repaying both mortgages. Once the mortgage expired the mortgage lenders gave up to now an 8 month "grace-period" to sell the property and repay the debt. The house was very close to being sold to a potential buyer that was about to exchange contracts with us but pulled out last second saying it wasn't a great investment for them anymore. Leaving my family with a mortgage lender that has already waited 8 months for us to repay the full mortgage (Note that through-out this time we have been up to date with all monthly mortgage repayments). The property is still on the market and we are trying our hardest to sell it. The mortgage company are now telling my family that they could appoint an LPA receiver to repossess the house. So my question is are they able to appoint an LPA Receiver for the property? Even if we are trying our best to sell the first property they own, whilst continuing to pay their monthly mortgage payments which in addition we have been paying an extra £600 on-top of our interest we already pay towards the mortgage, which they have been doing for the past 6 months. I've tried searching the internet for the past week to find cases similar to ours for answers, but i can only seem to come across information that confirms an LPA Receiver can be appointed only once the owner is in around 2 months worth of arrears on their monthly mortgage payments. (Which we aren't). Thanks anyone in advance that can help!
  11. Hi All, and any advice on this would be gratefully received. We have a mortgage and a second charge on our house. The second charge was to cover a business loan. Now, this situation has been on going since the 2008 crash and we have been unable to repay the second charge and given other circumstances I know I will have to go bankrupt to get out of the situation. However, we are still in control and I would like to take the following course of action is it against the law and what would the implications be if any other than what I already have described. If we say for example the house is worth £150K and the mortgage is £50K (1st Charge) and the loan is £50K (2nd charge) and we sold the house to a third party completely unconnected to us for £52K repaying the mortgage but only paying £2K of the second charge would the 2nd charge lender come after us for selling the house to cheaply? I have simplified the situation to some degree but in essence that is the situation we are in. Any views as said will be very welcome. Gamekeeper
  12. Hello I am hoping for advice as after finiding this the other day when i asked how much i owe it has threatend to consume me now and will leave me with no pension. loan started in 2008 shortly after i had a child with a disabling condition and work was not to be i had enormous arrears and they have taken a warrant out 3/4 times to try take the house the fees are as follows collections telephone charges @ 30.00 - 50.00 a time letters @ 35.00 a time collection instruction 250.00 buildings insurance £791.00/362/510/600/170/150/165/80/80/78,,,,this varied so much and for the most i had sent in a copy ...of my own plus ge money also do this so im triple covered... professional fees £86.25 dishonoured receipts @ 35.00 each court hearing fee £215 court fee £150 Posession proceedings £130 court preparation fee £190 collection visit £110 telephone collections £35 a time hmpg £110 monthly charge arrears @42.00 monthly charge arrears @46 visit cost £100 posession warrant 18.00 legal costs 120legal costs 230 warrant for reposession again 16.00 legal costs 230.00 arrears charges are now £50 these all come to the grand total of £6562.59 I have paid them to date £18,621.54 in payments start of loan was £12k @ 13.9% settlement figure is £21,276.78 today (of which i was told but they did not put down £7k is the actual amount left without the charges....) i think they said 144 months left of agony to go..... I cannot be tied to these unhelpfull liars for another ten years who every month remind me they can get a posession order tomorrow ...and tomorrow...and tomorrow ...i have been sick ive had to home school my youngest then had my mum have cancer and die...this is now breaking me can anyone help please i need to sort this out to stop them bullying me? Thank you
  13. Hi all I have received a claim form from Restons Solicitors on behalf of arrow global for a debt from 2003. Arrow say they purchased it in 2011 and I remember a claim form from them in 2012 with Bryan Carter. I'm pretty sure it's the same alleged debt but it was statute barred in 2012 it still is now. This debt is 14 years old. They've tried before it's no different now. I've asked them for the prove it and also made my defence of statue barred. I just wanted to know, can they keep filing claim forms with Northampton county court? or is this harassment because arrow has already been told once that it's statute barred. Thanks in advance
  14. Hello every one I am looking for some advice please as not sure where I stand. In march / April i was forced to do a two weeks Emploability skills course with working links. I completed it and have a city and guilds level one. Now the other day i went to jobcentre the person there said I have to do yet another two weeks course and you receive a certificate yet again but this one is issued by ncfe. The adviser was even asking me strange questions like when did i go to bed etc. i asked if the course was mandatory as i have done the exact same one two months before and the reply was even if it wasn't why would you not want to. also i did advice the person i think its fraud as i all ready have level one in this they said it wasn't also they want me to travel on bus for nearly one hour and a half i have anxiety and depression and this would not help me i just need some advice what to do next i think this is harassment but no idea what to do any help would be appreciated Thank you
  15. Hi All, I purchased a 14 plate fiesta from Evans Halshaw in March. Not being an expert I test drove the car (usual drive around the block), enjoyed it and paid for the car. A week later I was looking at some of the functionality but could not find the advertised stop start function. After discussing with the dealer and getting a copy of the advert emailed over it became apparent that this was an advert error. I have emailed probably 10 times in the past 4 weeks and just keep getting "well be in touch as a matter of urgency" from them but with no real discussuon about the problem or a suitable resolution. Legally, the item sold was not as advertised, and me never having used stop start and not being the expert I feel a short test drive isn't adequate time to get to grips with the minutiae of the vehicle. What do I do next? I still want the car but feel it's value has dropped to me as well as losing out on fuel economy due to this function being absent. Thanks in advance Lee
  16. World War 2 Royal Warwickshire 2nd Lieutenant's grave identified after almost 77 years READ MORE HERE: https://www.gov.uk/government/news/world-war-2-royal-warwickshire-2nd-lieutenants-grave-identified-after-almost-77-years--2
  17. Hi all, I bought a car from a private seller last week, I found it on gumtree and called the guy advertising it. I asked him about the state of the car and he promised it was in good condition (also have a text from him saying he wouldn't sell a car if there was anything wrong with it). He said he was selling it for his neighbour. I had checked the MOT history online and it had failed on the 16th May, but passed again on the 20th. After speaking a lot with him, as the car was a 2 hour drive away, my parents decided to go and look at it. I couldn't go due to having to go back to Devon where I live to get physio following a no fault accident where my car was written off. When my parents got there the car seemed fine, my dad test drove it, checked the engine and all seemed ok. After paying for the car (it was the guy who advertised it and the owners husband there) they started on the journey home. By the time they got back the power steering on the car they bought (VW Polo 2005) had pretty much failed. It was extremely heavy and wasn't like it was upon inspection. We have had the car tested and as on the failed MOT from the 16th May - the same problem of a leak from the steering rack was still there plus a long list of other things! The steering rack had been covered up with a bit of rubber, and the mechanic said that the rate it was leaking the sellers would have had to top up the steering fluid just before my dad test drove it. Luckily my mum kept the V5C form so we have the previous owners address, and I have the sellers email. We have written them a letter asking for a refund under the Sales of Good Act. They have since text asking proof (which we have) and that they want our address, but I have asked consumer rights people on the phone and they said it is fine to deal with it through email - is this right? We have given them 14 days since the letter to resolve this and give us a refund. I've also found that under the Road Traffic Act 1988 section 72 it is a criminal offence to sell a car that is unroadworthy - and actually points out steering as a main point. Does anyone know if this would apply to a private sale? As it doesn't specify in the legislation. Any other advice would be great. Thanks in advance.
  18. Previous complaint with Skye Loans / Capita rejected by FOS. Skye / FOS advised that disputed amount transferred by BH, in June 2015. Submitted SAR to BH. Last overdue amount from BH different to opening arrears balance stated by Skye. Confirmed by details received as per SAR. Raised complaint with BH who responded that all details provided in which they have. Escalated complaint to FOS in which I have now received their brief and inconclusive findings. They have said that the disputed transferred arrears amount needs to be raised with Skye Loans???? I have until 30th March 2017 to respond and I have requested an extension due to the investigators comments. I am somewhat concerned as on past experience whenever I have replied to the investigator to reconsider on evidence provided, it has been ignored and had to refer to an Ombudsman. Who then agrees with original findings and is rejected. Is there anything else that I can do before having to go to the Ombudsman? Can I request that the investigator is changed or referred to a more senior level? This is totally frustrating and has not been fully investigated. I have evidence of last disputed arrears amount with BH before transfer (though BH cannot provide a full breakdown) and last CMI payments made with BH in which differ from increased arrears balance stated by Skye Loans. Any advice please.
  19. I have been suspended from work on pay. It has been over two months now and I was invited in to work last week for an investigative (fact finding) interview. I had already prepared a statement of fact which I presented at the interview. I also answered all questions asked of me. I completely deny the allegation set out. I am extremely stressed and anxious by the whole situation and I 100% know I am innocent of the allegations (I know, that's what they all say..). I have said all I need to say - I have given my side of the incident and do not wish to say anything further. Do I have to go in for this further interview? I really feel they're just going to try and trip me up (even though facts won't allow it but that's not the point). I'm not confident in their ability to carry out a fair investigation. What are my rights to not have to give my account a third time?
  20. Hi I've just read a topic on another forum about in essence joint credit cards. I was surprised to read that the second card does not have the same protection offered to it as the primary card. I just wanted some input as to whether this was correct or not, as I currently have a joint card and while I am the secondary user I probably use it the most. This is the link to the conversation: Thanks for the input
  21. Lance Corporal Scott Hetherington of 2nd Battalion The Duke of Lancaster’s Regiment has died READ MORE HERE: https://www.gov.uk/government/news/lance-corporal-scott-hetherington-has-died My heart goes out to his Family on this sad news.
  22. Please can anyone help/advise?? I currently reside with my wife and family in accommodation provided to me by a UK Fire & Rescue Service Fire Authority. My wife currently owns a two bedroom terraced property which she currently rents out with consent due to moving in with me shortly after us both meeting. The UK Fire & Rescue Service Fire Authority have informed me and my family that they intend giving us notice to vacate the property due to their intent to sell off the property for other financial purposes. This has forced me to act quickly and to locate a property suitable for my family to use has our main residence and to put my wife’s property on the market for sale due to the property not being suitable for my family. The seller of the property we wish to buy has accepted an offer and a mortgage has been approved, we hope to complete the sale within a couple of months. My wife’s property is currently undertaking viewings. My conveyance solicitor has informed that due to my wife having a second property during the purchase that we will have to pay the additional higher 3% SDLT on top of the 2% stating that the Fire Service property does not qualify as our main residence even though I have resided there since 2001 and my wife since 2010. Due to the change in StampTax Duty Law earlier this year I do accept that we will have to initially pay the additional 3% SDLT due to my wife and I currently potentially having two properties during this transition. However what does seem to discriminate and be totally unfair against myself and family is that due to my employment in the Emergency Services and the place of work to where I have been contracted to work, that I have no so called “main place of residence” has outlined in the Government Stamp Duty Document. This impacts upon us not only due to the fact that I have to finance the additional 3% Stamp Duty to secure a“main place of residence” family home, but also by the fact that the property that we plan to sell is also not classed has our main family home, therefore I have been told by HMRC Helpline that once it’s sold (within 3 years) of purchasing our main place of residence (therefore only owning the one property), that we are not eligible for claiming back the higher SDLT due to that property not being our “main residence”. Is the above correct and I have to swallow the bullet or have I misread something so that I am entitled to reclaim?? This situation seems to be a rare case I just hope that the HMRC Tax Office accept that the unusual circumstances of myself and family have been overseen in the HMRC stamp duty document and that they will act accordingly. Therefore not to financially penalise myself and family by not allowing us to reclaim the additional higher 3% SDLT on completion of sale of my wife’s property and due to our sole intention of only to own the one property of “main residence”. :mad2: All I'm asking for is fairness and this does'nt seem to be the case. Thanks
  23. Original unregulated secured loan sold on / transferred to another company. Previously had a dispute with arrears amount in which never fully explained. Arrears amount transferred to new company totally different amount. Disputed again with new company but eventually responded saying it was previous companies issue and not there's. Account in dispute yet arrears management fees being charged even though they cannot prove it. Can they still do this ? Is there any part of the FCA handbook that states the above regarding loans in arrears ? Thanks for looking.
  24. On Wednesday, 4th Nov 15, a JobCentre Workcoach at Seven Kings Jobcentre, instigated a full scale row with me about my apparent job search failure, even though I applied for 33 vacancies for period 21/10/15 – 4/11/15 - so she's clearly insane and her judgement is off at best and worst she doesn't listen to reason nor pay attention to months of evidence. (This is my 2nd complaint against this particular Work Coach for bullying – the first complaint being the 10th September 2014) She battered me about why I hadn't secured interviews for the amount of jobs applied for, I explained that many job sites sold advert slots to recruitment agencies, and that many jobs aren't offered to me due to me being over qualified, and too old for entry-level posts. At precisely 12:40pm, she aggressively challenged me and said “If I'm so experienced, then I should be in work” - and she didnt mean it as a compliment either, she was goading me, doing her absolute best to wind me up, and she's clearly a lunatic of the highest order and unprofessional to boot. I mean, does she really think that repeatedly bashing out the same questions really helps motivate jobseekers or changes a job-market fluctuation situation that's completely out of my control – it doesn't. The 'Work Coach' also kept banging on about her 'job coach' credentials, she told me she was a qualified job coach (seems the majority of DWP staff do this too, but from what I've seen they don't have the skills/knowledge required to coach anyone) . Is the DWP sure they should be using self-appointed titles, as I thought their titles were Compliance/Customer/Client Advisor?? although the Work Coaches seems to think its fine to promote themselves and bully others.... (It seems the title of 'Work Coach' is an official title according to the DWP). She then turned to giving low-level CV tips, 'advising' that I should change it so its 'targeted'. Well, I've removed 4 positions to make it so – but this has now left a huge gap of 4 years employment that is tough to explain to interviewers, hmmm, great advice She then threatened to repeat the same pathetic questioning every time I attend my signing day, and I'm not being spoken to like that, nor will I stand for her ridiculous threats and told the Jobcentre, I will take this to the highest complaints level as this is the 2nd time these pathetic power games has occurred and the 3rd advisor complaint put forward by myself, although I couldn't be bothered to take it to the maximum complaints stage last time, but I will now.
  25. I received an NIP in late August early September for doing 36 mph in a 30 mph zone in July,got flashed by van. I admit that it was my fault and completed the document accordingly giving all of the required information and posted the form back to the relevant authority awaiting to hear what my punishment would be:|. I heard nothing until receiving a letter from the authority yesterday with my name incorrectly stated, requesting that I complete another NIP due to the fact that the original NIP was addressed to my company name as I operate from home as a sameday courier and my vehicle is leased. The covering letter from them states as follows: 'Thank you for returning the completed combined Notice of Intended Prosecution/Request for driver identity in response to the request by Sussex Police to supply information under section 172 of the Road Traffic Act 1988. Unfortunately you have completed the form in a way that does not satisfy the lawful request for information made by Sussex police. The reason for this is that the document was not addressed to you personally i.e. it was addressed to another person or a company. The person or company are required to nominate the driver at the time of the offence and then return the document back to Sussex police. On receipt of the combined Notice of Intended Prosecution/Request for driver identity,this office would send a request personally addressed to you as the driver,which must then be completed and returned. Therefore please find enclosed a new document now in your name,which you are required to complete and return within the specified period.' My point is that they admit to already having all my details on the original NIP form which I completed in good faith,it is not my fault that their letter was incorrectly addressed and I have never been in this situation before. I am inclined to return this 2nd NIP incompleted with a covering letter explaining my position as I fail to see why I should complete same again due to their incompetence. As I said they already have my details which I have fully disclosed so how can they accuse me of committing the offence of non disclosure if I return the 2nd NIP blank ?? Any advice/opinions would be greatly appreciated:-D
×
×
  • Create New...