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Found 138 results

  1. Firstly a bit of background. I have a secured loan with blemain finance (we all make mistakes:-x) It was taken out in may 2007 and is for £10K also it is cca regulated. They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me and some advice in which way to go would be appreciated. Also i have a suspended possession order after they went for repossession, now the thing is i think when they took me to court they first sent out a default notice, but i think that it is non compliant and would like a second opinion,and some advice on how to deal with a suspended position order that they got on the back of a dodgy default notice. my issues with the default notice are a]That they didn't give me 14 clear days to rectify. b] No specific date to remedy (they say 14 days from date of letter) c]The paragraph saying that if you dint understand this then seek advice from CAB is missing the following is word for word what it says on the default notice and the only date on the notice is at the top of the page. 1] To remedy the breach you must pay the total arrears of £xxx within days of the date of this letter. 2] If the action required by this notice is taken before the 14 days, no further action will be taken in respect of the breach. 3] if you don't take the action required by this notice before this date then the further action set out below may be taken against you. 4] FURTHER ACTION: on or after the date shown above we shall apply to the court for an order for possession and sale of the mortgaged property. so any advice on how to proceed with this would be greatly appreciated and thanks for looking. welshperson (from bridgend:-))
  2. Happy New Year to all! I have contacted HSBC using their online contact form about PPI that i took out with an old Marbles credit card. They have replied giving a credit card number and the start date, the also confirm PPI was paid. Reading other posts I see its best to start with a SAR request, can anyone advise the current address for making SAR requests or is it the standard complaints address : HSBC UK Bank plc, Complaints Department, POBox 5207, Coventry, CV3 8FB ​Thanks in advance
  3. Hi we recently asked our landlord for recognition of our tenants association. We received the below late reply, after formally requesting recognition. Would this be grounds to send them a SAR as they say they have evidence on file? Also what would the best way to go about this, we have years of email trails so they shouldn't need to ID us. Thanks in anticipation Desamax Dear M ********, Upon receipt of your email dated **.**.18 I discussed the matter with our solicitors who confirmed that with the evidence we hold on file neither yourself or M****** are fit to be part of this proposed association. This is irrespective of our own views on the matter generally. I will pass on your email dated 13th instant to our solicitors for their perusal.
  4. hello everyone i am currently receiving job seekers allowance and have a quick question about advisers requesting to access my data. today i was asked to bring in my passwords and login for indeed.com and the site 'find a job' to my next (i'm assuming to prove i am applying for the jobs i tell them and also have a sticky beak at my job search history). do they have the right to ask this of me? i know i have to provide proof of applications by way of printouts (which is what i intend to do but i'm not sure they have the right to access these sites with me at the job centre during my signing. thanks in advance and apologies for the unnecessary capital letters in this post.
  5. This is a problem which the ferry company keep promising has been resolved, but every time we turn up for our next crossing it just happens again. I currently split my time between my sons in the UK and our home in south west France so regularly travel with Brittany Ferries. On 'Bretagne' there are two lifts with access from the car decks, one is clearly marked on their 'accessible' guide for the ship, the other isn't because it is actually dangerous for a wheelchair user as access involves a 90 degree turn from one narrow corridor to another even narrower corridor at the head of a staircase. The second corridor is so narrow that I cannot wheel my chair myself and the only way to actually complete the turn is for part of the wheelchair to overhang the staircase, which is incredibly scary for me, the person pushing me and any spectators and is an accident waiting to happen. Customer services ashore agree that wheelchair users should not be parked by this lift (I have this in writing) however the loading master doesn't agree and blithely ignores the risk because it's easier to park wheelchair users here. On the last occasion I refused to get out of the car unless we were parked by the other lift and they did give in eventually, however I am sick to death of arguing with them onboard (this is the first time we have won), complaining again and again, getting more reassurances from customer services that it won't happen next time only to start from the beginning again every time. There is unfortunately no reasonable alternative ferry we could use. The only other service going to St Malo is Condor and even if a fastcat had better access (it doesn't, it's a nightmare) it takes forever to get across via the channel islands and we end up having to stay overnight in St Malo before continuing our journey. Other Brittany Ferry services, e.g. to Caen, would be an alternative, but we've had similar issues boarding those ferries and the timing also often means an overnight stop (involves having to book two adjacent rooms to accomodate me and allow hubby to get some sleep, chances of doing this vary from little to none). Ferries are not covered by the Equality Act. Given that we need to continue using Brittany Ferries so don't want to alienate them completely, any suggestions other than keep complaining? I'm wondering if next time I should just not bother arguing, park where they tell us and then insist one of their staff get me to the lift and experience for themselves how difficult it is.
  6. My neighbour has parked their 2 cars as per the attached photo so that I can not access my garage or park outside my own garage. I own the garage. Legally what can be done about this please?
  7. Hi dx100Uk, I have been following the advice in this forum as I am on the same boat. But something very strange happened in DCA email. I have sent you an email in your Inbox with the details. I will be ever so grateful. thanks I have been following this forum for a long time. Like many I have same issue with few banks in UAE since 2015. I had contact from CW and IDR - I have always told them when I find employment I will contact banks directly to settle my issue. question for dx100uk (or anyone else with knowledge) I receive a chaser (mainly from IDR) every few month which I respond to politely stating my situation. However, last week I received a email reply --- " We will try to hold your account . But Please be aware the bank may withdraw the case from us and pursue legal action as they have questioned why payment was not made from the capital you received from the transfer of property on (**/**/ 20**)" This got me really worried as to how they have access to all these details of my account. I mean even the exact date of a payment (though a small about) but still this a information from 2 years ago. This has got me quite worried and I would like to respond to them properly without creating further problems.
  8. New pocket guide for troops to access mental health support READ MORE HERE: https://www.gov.uk/government/news/new-pocket-guide-for-troops-to-access-mental-health-support
  9. Hello all. First of all thank you very much for supporting this website. It has given me some hope in what to me appears to be a very dishonest situation. Summary PCN received after stopping for 12 mins at the entrance to a P&D car park in which ALL 4 Spaces were blocked by a wooden pallet each with a notice saying the road was too narrow for parking and emergency access. Details Broadwater Street West in Worthing, West Sussex is a short, narrow L-shaped side street running along the side of Starbucks and to the left behind it and other buildings, giving access to lock-up garages and waste bins. It has 4 parking spaces nose to tail running from the entrance of the road. My passenger had a painful case of cystitis and needed to use the loo. Thankfully we saw a Starbucks and from the main road it looked like there were parking spaces free in the side street next to it. After turning into the street and letting my passenger out, I saw that each of the parking bays had a wooden pallet in them preventing their use. In addition there was a sheet of paper on the wall to the side of each space saying that access was required at all times in case of emergency, bin collection and deliveries and that the road is too narrow for parking cars and through traffic. This is certainly the case. Having entered this narrow street the only way out was too drive to the end of the L where there is just enough space to turn around and then drive back to the entrance. Unable to park I waited just short of the main road for my passenger to return. Although I had fully intended to pay, with it not being physically possible to park let alone legal, the whole place gave the appearance that parking was at least suspended if not cancelled. Hence it never crossed my mind that I would be penalised for stopping there. There is of course no one supervising to tell you. My passenger could have just run in to Starbucks, used the toilet and run out but being polite she chose to buy some tea. We had just left the vet after having spent an hour talking to one of their very kind nurses about the loss of our dog which has been heartbreaking. It was a very emotional time and with the cystitis as well I couldn't drive off and leave them; stopped by the entrance I could at least clear the road if for example an emergency vehicle required access. They returned after approx 10 mins and we left. What Happened PCN received for "Failing to Park Within a Marked Bay". Given the situation described above where I was physically unable to park in a marked bay, let alone do so without blocking emergency access I thought it was a [problem] and a quite ludicrous one at that. And for this reason I have not contacted One Parking Solutions. I have since received a letter from ZZPS Limited saying my unpaid PCN has been passed to them to resolve. The balance owed has now increased to £170. They have quoted Parking Eye v Beavis as a recent Supreme Court Ruling. I have spoken to them and they said I was parked for 12 mins. If I do nothing the matter will be passed to their solicitors.
  10. I'm living on a private street which is a dead end but my landlord isn't the owner of it, it's someone else. From one side we have access to the side road for a cars, and from the other a gate which leads to the main road. Three years ago the owner of the street decided to weld the gate for no reason. He done it in the morning when everyone living on the street were at work/school. I contacted my landlord to see if he has contact details to the person that owns the street, but he doesn't. Few months later someone made a hole in a wooden fence next to the gate and straight away we started using it because it's much safer than the side road. Few months later the landlord came back to put a new fence. But yet again in the morning hours when no one living on a street was at home. Then I contacted local council, but they said that the street is private and they can't help me. Half a year ago someone made another hole in the wooden fence. Yesterday they changed the wooden fence to the metal one. Again they did it in the morning avoiding people. In conclusion: The owner of the street welded the gate without giving notice, he is constantly avoiding people living on the street and no one has got contact detail to him. Side road even there are houses there is not safe in the evening because one of my neighbours was assaulted down there. Also one of the neighbours travels on a mobility scooter and because pavement is narrow she needs to drive on the road and avoid cars.
  11. Santander have rejected my PPI claim (store card) from 17 years ago on the grounds they believe it was sold in a proper manner (over the phone - which it wasnt - as I signed-up in-store with an agreement the assistant ticked for PPI) and was offered as optional and appropriate for me etc etc - which I absolutely disagree with. I have issued a SAR - but already do have copies of Agreement and statements etc. Unsure of whats best as next move - do I escalate issue with FOS (that I'm not hearing good reports about!) or small claims action? The amount of money involved is probably fairly small (circa £200 in PPI premiums?) Any thoughts appreciated!
  12. I have recently located quite a few old statements with credit card payment protector amounts in respect of an old Natwest Access card that I previously cleared and closed in 2001. The issue now is that I am trying to locate any sort of credit agreement and I will keep looking but in the meantime, I was going to submit a CCA request. Could someone kindly advise what address I send it to and to whom is the cheque for £1 payable to ? I have had prior dealings with NatWest / RBS but for some reason their seems to be various addresses ? Thank-you for your help.
  13. I booked a hotel last week on Hotels.com. I found it a lot cheaper on another website, filled out the online form for a price guarantee and Hotels.com responded and confirmed they would match it. I was told that I should pay the hotel directly and then within 72 hours after check out I would be refunded.. I did all of this, on day of check out I contacted them and they said to wait a little longer. They then said that they would not do the price match as they could not verify it, I said I am not accepting that etc. They said they would but they said that my details are not matching (email or telephone number that I booked with). I am 100% sure that I booked with the details I have given them, plus I have email confirmations of my reservation going directly to my email that I have given, along with my phone number. They have told me that they cannot do anything without the correct details. I have provided screenshots etc but they are not having it. I think that hotels.com have changed my details so that I can not benefit from the price guarantee. Any idea what I should do? It is quite a bit of money that I am due back! Thanks!
  14. Government signals commitment to improving bus access for wheelchair users READ MORE HERE: https://www.gov.uk/government/news/government-signals-commitment-to-improving-bus-access-for-wheelchair-users
  15. Hackers access 5.9m bank cards at Dixons Carphone Dixons Carphone says it has been the victim of an "unauthorised data access" in which millions of customer bank card details were targeted over the past 12 months. The company believed there were attempts since last July - only discovered over the past week - to compromise 5.9 million cards in one of its processing systems for Currys PC World and Dixons Travel stores. It said there was currently no evidence of any fraudulent use of the information - with the vast majority of the cards having chip and pin protection. However, Dixons Carphone said it had notified card providers to 105,000 non-EU issued cards that did not have chip and pin technology so those customers could be immediately protected. In addition, Dixons Carphone said 1.2 million personal data records were hacked. It admitted non-financial personal data, such as names, addresses or email addresses, was accessed but it again insisted that it had seen no evidence of any fraud at this stage. The breach was currently being investigated by police, it said, while regulators had also been informed. https://uk.yahoo.com/finance/news/hacking-targets-customers-currys-pc-world-064800857.html
  16. Hackers access 5.9m bank cards at Dixons Carphone Dixons Carphone says it has been the victim of an "unauthorised data access" in which millions of customer bank card details were targeted over the past 12 months. The company believed there were attempts since last July - only discovered over the past week - to compromise 5.9 million cards in one of its processing systems for Currys PC World and Dixons Travel stores. It said there was currently no evidence of any fraudulent use of the information - with the vast majority of the cards having chip and pin protection. However, Dixons Carphone said it had notified card providers to 105,000 non-EU issued cards that did not have chip and pin technology so those customers could be immediately protected. In addition, Dixons Carphone said 1.2 million personal data records were hacked. It admitted non-financial personal data, such as names, addresses or email addresses, was accessed but it again insisted that it had seen no evidence of any fraud at this stage. The breach was currently being investigated by police, it said, while regulators had also been informed. https://uk.yahoo.com/finance/news/hacking-targets-customers-currys-pc-world-064800857.html
  17. Veterans to retain military ID, allowing easier access to services READ MORE HERE: https://www.gov.uk/government/news/veterans-to-retain-military-id-allowing-easier-access-to-services
  18. Had a what can only be described as a bizarre sign on session but got information from the work coach who says they are not allowed access to find a job unlike UJM.
  19. In our contacts, it says we must give access to our properties when required. The Housing Act 1988 states "In accordance with the Housing Act 1988, your landlord or letting agent must notify you in writing at least 24 hours before they wish to enter your home". They're not giving notice and are sending people without notice and then sending tenants letters when the tenants turn them away due to it being a bad time. I'm guessing the law overrules the landlord?
  20. Hello I need to make a Subject Access Request to NRAM regarding the house repossession we went through back in 2011. I've looked on their website and it's very vague what I need to include. The mortgage and property was joint with my ex husband so does he have to agree to me doing this? I need these details urgently as my local council won't let me go on their housing register until I can prove the house was repossessed and not sold for profit. Thanks for any help Lisa
  21. Get help at work if you’re disabled or have a health condition (Access to Work) READ MORE HERE: https://www.gov.uk/access-to-work
  22. Get help at work if you’re disabled or have a health condition (Access to Work) READ MORE HERE: https://www.gov.uk/access-to-work
  23. On applying my GP informed for all records it would be £50.00. I explained I didn’t need access to all, the problem I was trying to resolve occurred sometime between 2010-15. I was given a date for viewing, when I arrived there the GP had printed off letters in advance - 38 in total. 20 of these I already had – 2 were irrelevant and 2 was just my registration details. I said I would need to take them home and read them, she tried to convince me to stay and read them there – I stayed approx 30-45 mins. I did not view records online. A few days later I received an invoice for £50.00. I emailed the surgery asking for a breakdown of costs – This is what I was emailed back Preparing Notes 10.00 Photocopying of Notes 10.00 Doctor's time £30.00. The practice website reads - You have a right of access to your health records. A small fee may be charged to cover reproduction costs. I do not consider 50.00 a small fee In the meantime I have accessed other records relating to a hospital admission in 2015 – I went to view the records at the hospital and took away approx 50 photocopies – no charge I have emailed my surgery back and stated my case and am awaiting a reply. Can anyone share costs they have been charged – Thanks.
  24. Hi, Can a company in the UK gain legal access to an employees previous court files, police reports, recorded interviews on DVD to check an individuals background for their own safety? Usually they do disclosure checks and ask for certificates which shows very minimum information not the complete story, but can they ask DBS for further information people involved, what you said, what they said? Thanks.
  25. It was reported in the papers yesterday the DVLA gave out the keeper details of 1.5 million vehicles in the months Oct-Dec 2017. 500,000 of those access requests were from Parking Eye. This equates to 6 million requests a year in total so assuming the majority of people do pay up the amount the parking co's get for this is over the £300 million reported for a couple of years ago. An MP is introducing a private members bill to force the parking co's to use an independent adjudicator for all appeals. The BPA say they already do but that isnt actually true when you compare their system with the proposed new one. No comment printed from the IPC, Will and John are no doubt so certain of their own brilliance in all parking matters they dont need to consider the law at all and commenting is beneath them. The papers also commented on the finances of Capita, the parent company of PE having debts of £1.9 billion including pension defecit and their shares dropped by 40%. Capita do nearly all of the money counting for London boroughs when it comes to parking meters etc and when analysing their figures from a FOI request they seem to lose some of the cash in transit and no monies from forced overpayments of parking meters not giving change ever reaches the councils in the period covered by my FOI request. Perhaps this assumption was wrong on my part and every cash meter on that day was faulty and allowed a certain level of free parking and generously gave out more change than was actually tendered on occasion. Capita are going to sell of £700 million worth of business assets and shut down loss making divisions.
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