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Found 13 results

  1. A recent report claims that the costs of alcohol use to the government in England – including the NHS, police, criminal justice and welfare costs – amount to just under £4 billion a year, while tax revenue from alcohol comes to over £10 billion. So for all the deaths, misery and ruined lives they still manage to make a 6 billion pound profit on this drug, no wonder its legal, now if the country wants to get back up on its feet here is an idea. Legalise a far safer and less anti social drug namely cannabis. Allow people to grow cannabis in their own homes so that can they sell
  2. I have just given Foxtons my 2 months notice to end my assured shorthold tenancy. Foxtons have phoned me numerous times telling me they will be doing viewings in 2-4 hour slots across the days & that I dont have a choice to be there nor the right to find mutually convenient times enabling me to be present. I have said I am happy for viewings to be arranged at a mutually convenient times when I can be present in evenings & weekends. I have said that I wish to be present for viewings. Foxtons are being very aggresisve & bullying telling me I don't have the right to restri
  3. My Mum owns the freehold to her flat - one of 16. Most of the flats are owned as second homes (It is at the seaside) The management committee have a rule that the flats cannot be commercially let/ rented - they can only be occupied by the owners and their families. My question is: is such a rule enforceable ? Thank you for reading !
  4. Hi all, Here's the situation: Opened a student account in 2007 with full overdraft and extended this a couple of times as per the normal rules and up to the max available limit of £2000 Ever since graduating have had financial difficulties with other credit cards and payday loans which are now (thankfully!) resolved. This is my last debt and i want to get rid, i want to pay it off but Natwest don't seem to want to help. I have already opened another account with first direct and have switched over my wages and other regular s/o and d/d so my ongoing financial commitments ar
  5. "We've added the right for us to upgrade a Bank Account to either a HSBC Premier Bank Account or an HSBC Advance Bank Account if you meet the eligibility criteria. " HSBC sent me their latest - we are changing your terms and conditions mess and I spotted that they are stating that they now claim the right to change you bank account type (without your request or acceptance) if you meet the requirements for some other bank account type. It seems they want to start moving people from simple free bank accounts to what could be charged accounts (premier etc) if you happen to mee
  6. Almost on a daily basis I receive an enquiry on this subject from either a debtor, solicitor or a police officer. Hopefully this thread will assist. Under the new bailiff regulations an enforcement agent has a general right without a warrant to enter debtor’s premises to search for and take control of goods. The legislation is Paragraph 14.1 of schedule 12 of the Tribunal Courts and Enforcement Act 2007 In cases where a Controlled Goods Agreement has been previously signed, the bailiff may have re-entry rights into the premises under Paragraph 16.
  7. I bought a salvage vehicle earlier this year. Repaired it. It was a cat. Then later on the car was reversed into by a tesco insured driver. My vehicle was taken away to the body shop while i had a courtesy vehicle. Two weeks later i was told that as my vehicle had been involved in a previous accident and the damage had not been fully repaired. My insurance company offerred me £100 as salvage and told me the vehicle would be a cat c. I asked for the engineers report which stated that the damage was similar to the damage the vehicle had
  8. I logged into Moneyclaim this evening to file my defence to Bryan Carter/Lowells. I already logged in 2 weeks to acknowledge the claim and that I was going to defend. Tonight however, after logging in, all I get is And there is no option to file my defence. Does this mean I am too late? Any way around this? I CCA Lowells with a £1 postal order but they never responded with a copy of the credit agreement. Thanks
  9. I am really needing some help. I have a house valued at £110,000 and a mortgage of £105,000 which I may need to sell. The only problem is I have a secured loan of £34,000 on my home through Picture (or whoever they are now) which has arreas of £650 and they will only get bigger as I am no longer able to afford the loan. What I am wanting to know is am I allowed to sell my home even though the secured loan won't get paid off. I am intending to rent if I can sell my home. Any advice would be much appreciated. I don't want to sell if I don't have to but will Picture?? take my home even if t
  10. PLEASE HELP.. I am new to forums and would love some guidance and advice with the finance company BCT. I bought a car several years back and the finance was with British Credit Trust over a 5 year period. After over 2 years of on time payments my husband lost his job and after trying to keep up he eventually had to give in and ring them to say we just couldn't afford the monthly amount of over £250. After their refusal of £50 a month until he found work, we started to get letters regarding payments falling behind. In December we received a default letter due to th
  11. Consumers will be given the power to request the data held on them by credit card and energy companies under new measures. Following a consultation, the government is expected to announce today (19 November) that it will look to legislate if firms fail to comply with the voluntary release of consumers’ electronic data. As part of the ‘midata’ programme, companies will be required to release the data they hold relating to a customer’s consumption or transactions in an electronic machine readable format on request. Link: http://www.credittoday.co.uk/article/14582/online-news/new-measures-al
  12. Switching is currently not available for customers with pre payment arrears of over £200 http://www.bbc.co.uk/news/business-19688019
  13. Standard Chartered would allow US regulators to audit its New York operations independently as part of a resolution of the money-laundering case against it, the bank told the Daily Mail yesterday. The New York Department of Financial Services (DFS) ordered Standard Chartered to open its doors to an auditor of the regulator’s choosing on Monday as it laid charges that the bank illegally laundered £160billion for Iran. The bank has admitted to wrongdoing in a tiny fraction of these cases. The news comes as US regulators – including the Department of Justice, the Federal Reserve and
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