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  1. Hello, I had work done by a builder about a year ago, but since then I have had nothing but problems. The beams in the roof have not been installed correctly, causing major cracks in the loft room and below, the windows have not been installed properly and many other issues. Does anyone know if this sort of thing would be covered by a builder's product liability insurance? He built and installed my roof incorrectly and also installed my windows wrong, which in turn has affected by brickwork. Given that he built and constructed my extension, does that mean any faults fo
  2. Hi everyone, Last week I stole from a TKMaxx branch. This is the third time I am caught stealing from a shop, and third time I am told about Retail Loss Prevention (It has never been from the same shop/company.) The first time I received a letter and I paid the money that I was told "I had to pay". The second time I actually never received a letter, therefore I never paid anything. However, as this is my third time, I wonder what the consequences can be? Based on posts I've seen on here I shouldn't take RLP too seriously but as this is the third time I'm caught shoplifting I am
  3. Hi everyone, I have an issue I am a little confused with, as in what to do about it and who to tackle. I purchased an item from Amazon, a router, sold by Ebuyer, via Amazon, this was on the 24th June. The router as it was not really working as advertised, such as, WiFi dropping, wired clients dropping, phones and tablets not being able to connect to the WiFi unless rebooted, and generally it was a poor experience, I updated the firmware as recommended by Netgear and gave it another week but not much seemed to change, so I made a request with Amazon for a return on the 30th July. Am
  4. 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 £14
  5. Good Morning everyone, My situation is quite complex so please bear with me and any help and uggestions would be greatly appreciated, i will start with a brief statement as to how this all started 15 years ago and then onto the problems i am now facing. In 2003 i applied to remortgage and take equity from my home, i was turned down, i checked my credit reports to see that i had several defaults and a CCJ from Barclays on my acc, after a few years i managed to get all of this sorted with apology letters from Barclays. In 2013 i was again chased for debts that did not belong
  6. Veterans Gateway went live on 3rd April 2017 READ MORE HERE: https://www.veteransgateway.org.uk/
  7. In November someone drove into me and my car was written off. At the scene they admitted responsibility and I got the contact details of a witness who verified this. Following the crash the 3rd party decided to contest their liability which delayed my payout and meant that the case remained open, meaning that in the eyes of any prospective insurers I may possibly have been the guilty party... This meant that I couldn't afford to insure the car I'd been offered the use of over Xmas (thank you Ella Mullin x) so I had no wheels during the holiday period. All of this was bad enough but now...
  8. My Aunt died aged 94 in hospital from Alzheimers which she had for over 10 years during which time she never left her home . I and my father,(her brother) cared for her. I was executor and it was apparent that over the past few years there had been withdrawals of large sums of money from her bank : £13,000 £5000 £6000 etc a total of £75,000 in 6 years. Her outgoings were very small, under £300 per month. I bought clothes, food etc. There was no POA. The bank refused to state who had withdrawn these amounts but when my father died aged 92 two years ago i
  9. 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,
  10. Hi there. I have wasted so much time and stress trying to get a good condition/new set of garden funiture from Argos. It's been 3 months since we ordered this Furniture set:http://www.argos.co.uk/static/Product/partNumber/6523835.htm We didn't get a confirmation email after ordering this furniture. After calling Argos they said that there was an issue with the ordering system which meant email confirmations weren't going out that day but confirmed the order was successfully placed. We ordered this furniture in mid March. The product page stated delivery within 14 days. We were give
  11. See here >> http://www.derbytelegraph.co.uk/Bailiff-tried-television-says-Derbyshire-landlord/story-28724803-detail/story.html From Scoop
  12. Hi all, Hoping somebody may be able to shed some light on my question.. I have a judgment against an individual. I have come to realise his name is misspelt on the judgment. Have been advised by the court to make a formal application to correct this using an N244 form 'Notice Application'. My question really is regarding what court fee I am supposed to pay. Ive read the official fee guide but it doesn't make it very clear regarding this type of application. Any thoughts? Ive already emailed the courts to ask but thought somebody may have the answer
  13. I have a contract with EE. I was browsing facebook and clicked on a link. I immediately received a text telling me I was subscribed to a service costing £4.50 per week. Needless to say, I do not feel I consented to this. Certainly not enough to form a contract by simply clicking a link. I spoke to customer services at EE who assured me the charge was cancelled. However, they have let this company charge me for 6 weeks now and have now refused to refund the charges saying that it has nothing to do with them. EE have simply referred me to PhonePayPlus etc. I think we all know that the compa
  14. Hi. I'm sorry if this subject is in wrong section! I have received a letter from a bailiff company with regards to a debt which is currently in a repayment plan. The issue is, on the reverse of the letter is a letter to another of their debtors, including names, address and details of the debt they owe. Do I ignore it? Should I contact the people on the letter? Do I make a formal complaint to the bailff company? My worry is that if I have received someone else's details, then they could have received mine. Is this a breach of confidentiality? DPA?
  15. Hello, I am after some advise please to help with my defence as to whether I can seek and obtain copies of any transactions relating to my load account with Lloyds prior to the sale to Cabot and if whether the sell price can be admissible in the balance I should be paying to Cabot as opposed to what they've put claim in for. Recently been served with a CCJ for defaulting on installment repayment for an unsecured loan I obtained from Lloyds TSB in 1994. The agreement of sale points to this taking place in Oct of 2012. I need advise also on how and if I qualify for PPI , as this
  16. Hi, I have copied my Cahoot Fixed Loan Agreement, but think they may have ticked all the boxes - any advice would be appreciated as to if it is enforceable thanks
  17. Hi there need some help urgently, i have a debt for 6k which has been statute barred for the last 6months when i say statute barred, the last payment was september 2008, and the default date january 2008. the dca 1st credit, contacted me in september, i requested statement of account, and they left me alone.. after which i never heard nothing again. about 2 weeks ago, i started receiving phone calls which i ignored from them. today in the post i have received a letter from the original creditor who sold the debt to 1st credit, that back in 2008 they applied a
  18. hi, i have been awarded a CCJ against a company and so far i have been unable to recover the money that is owed. A HCEO has been to the business and stated that they do not have sufficient materials in their offices to cover the debt. I have submitted a 3rd party debt order which has come back saying that there isnt any money in the company account to cover the debt. I am just wondering what if anything i can do next. Any help and advice would be most welcome.
  19. Hello, Before I jump in accusing the other solicitors I wonder if any of you had any advise on what act or code this would come under? I'll keep it brief. Ongoing personal injury claim, my own solicitor is excellent. Defendants solicitor has just taken 4 statements from managers at my ex employers. Which is fine however my concern is all 4 use very similar language but most worryingly they all include 3 facts about my personal life they were never told about, while you say this can't be proved. Several facts weren't know about till months after I parted company with these
  20. I purchased a pair of expensive noise cancelling headphones from a 3rd party via Amazon at the end of January 2012, delivered in February. About two days ago one of the headphones suddenly stopped playing while listening to music, in what seems to be an internal electrical fault (cracking sound, swapped cables same thing). The headphones came with a hard case, they have been treated with a lot of respect and never dropped which can be easily observed by looking at the product. I wrote to the seller through amazon and told them the problem is clearly a failure of the product and not
  21. Hi all! i am seeking a bit of advice on behalf of my friend. a few months ago they were caught shoplifting from TK MAXX and was stopped after leaving the store by store security and asked to go back to the office. When they got in to the office my friend was asked why they had taken the items and everything was recovered in a fit for re sale condition (all tags still on items and un damaged) my friend explained that it was completely out of character, expressed how deeply sorry they were and had no idea why they had done what they had done. After searching my friends bag they fo
  22. Yes folks - it's the BC Slayer going for the jugglier again. After BC failed to produce the SAR information requested earlier in the year, I took them to court and they finally provided the information and I won nominal damages. I submitted a new claim to them for PPI on an old account operated between 2002-2004 at the beginning of the month and although I have received an acknowledgment, it isn't clear as to what they are acknowledging because I also sent (in seperate envelope) a claim for unfair charges. They have since written to me with their final response in respect the un
  23. Last week I ordered a delivery of kiln dried logs in a 2m crate enclosed by plastic sheeting to keep dry. Delivery driver delivered next day but due to his incompetence dropped the whole lot on bonnet of my car!! Contacted relevant insurance companies and the car was deemed to be a right off without even looking at the damage via pics etc. Salvage company collected the car last tuesday and my insurance company told me to send the log book off to the DVLA with salvage details. I have just had a phone call from a repair shop saying that they were called in to assess the damage as the
  24. Hi I had an accident in April, I was on a roundabout had been on for aprox 150 feet, going right round the roundabout, indicating to pull off, when another car pulls in front of me from a side road. Now the 3rd party insurers is offering to settle on a 50/50 basis, I feel it was 100% the other drivers fault, if he had given way to the right, and given-way to the car already on the roundabout then it would not have happened. Question is do I accept the offer, if not what happens, do we go to court and see what happens, hope the other drives ins co folds? Thanks in advance
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