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  1. I have just joined the Community here for your thoughts and we thank you in anticipation of any help you may give. We had a questionnaire from Abbey Life regarding enhanced annuity. They state on the bottom of the letter with the enclosed questionnaire - 'Abbey Life did not offer enhanced annuities, but one may have been available to you from another provider if you were eligible, and therefore you may be due compensation.' So we wrote to them saying we consider we may have been entitled to an enhanced annuity via an Independent Financial Adviser. (They do say this question
  2. Hi, I set up in busniess 5 months ago, in a shopping centre which is privately owned. They have undeground loading bay and parking, the parking spaces are only for those who have it in their lease. I do not. I unload stock every morning, and after a while started to just leave my van there, no problems as it was out the way, and I found the security giards were just handing out the tickjets to anyone who did not have a business in there, no one used it really.. This changed in March when they brought in UKPC, I have since amassed 10+ tickets as I ave been leaving my van there, I have spo
  3. Hi, First of all, thank you for the support you all provide through this site. I have received a Parking Charge Notice from CPM (UK Car Park Management) for 'Unauthorised Parking' in a small car park. The bays are unmarked and the signs are barely readable attached high on the walls in small prints. I am the registered keeper but not the driver of the time. The issue date was last year June 17 and was for £100 or reduced to £60 if payed in 14 days. It was sent to me in post with two pictures of my car in the letter. The reason was 'unauthorised parking'. Since then, I received a
  4. I am so stressed at the moment because Barclays have pulled a real good'un from their bag if crap. An old customer accidentally sent us £6000 by bank transfer on Wednesday morning, rang us up to explain and asked if we could get it back to him. Stupid us rang Barclays and told them what had happened and to return it back to the account it came from because it wasn't our money. After an hour on the phone, a reversal was done on the payment. Next morning, another £6000 gets removed out of the account. No warning, nothing. Several long calls to call centres abroad (around 4hrs
  5. Hello and my first post here and wonder if anyone can help. I work for a small business and we have received a claim form from Northampton CC. The story is a supplier had agreed a special discounted price with us for products, and we had in writing on email. Nine months later we discovered we hadn't been charged correctly, and we calculated the over charge to be £9000. As soon as we pointed out this the supplier immediately changed the pricing back to what was agreed. We also asked for a credit for the over payment, and despite a couple of meetings this was ignored.
  6. I have a county court claim from Lowell Solicitors, acting for Lowell Portfolio Ltd, and would appreciate some assistance in completing the form. Many thanks
  7. I'm trying to find out if a business mobile contract is different for a Sole Trader (up to 10 employees) versus a limited company? I thought I'd read somewhere that a sole trader has similar rights to a consumer? Basically, it seems, companies have no automatic rights - it's assumed they have access to lawyers, I guess. I have been told because I have a business contract that consumer rights don't apply. Also that 36 month contracts are not banned for business customers? (Ofcom rules 24 month max).....and that a 14 day 'cooling off' period doesn't have to be offered to businesses??
  8. Hi, I run a small retail operation, bricks and locks building..., I am disputing the bill Britisg Gas have sent me, they said it's a smart meter and up to date, it still doesn;t seem right.. One of the last letters have threatened with bailiff or coming in to change the meter, how heavy are they on this stuff? Need I worry till I can try sort it out with them? How long do they normally take to take action?
  9. I bought a car for £6K but it was faulty and so I rejected it. The dealer promised a refund but has not paid it and I have obtained a CCJ. However they have now ceased trading. I have a name and address for the owner and will pursue via bailiffs. However is there anything more I can do? It seems rather odd if there is no criminal offence.
  10. Hi everyone I use a courier company, i will call "TPC", who in turn use DPD. I have to say on the whole the past few years has been event free but a few months ago we sent a 3D printer to someone to use and it was smashed up really badly. The recipient took photos and has emailed us stating the damage was beyond dropping in his view and we have loads of photos of the box damaged etc. I reported the issue immediately and TPC were originally very sympathetic etc. I have to say I was shocked at the damage, you would have had to try really hard to do what they did. As the client
  11. Hi Everyone, I am having a dispute with a company in Portugal and I need to find out where I stand legally. Just over a year ago, I sought out the services of an addiction clinic in Spain called Iboga Tree Healing House, that treats addiction using a powerful anti addiction drug called ibogaine, but had a terrible experience there and was treated very badly by the owners who it later transpired had no real experience or expertise in working with ibogaine. I was planning on taking legal action against them in order to get my money back, but I left them scathing reviews all ov
  12. Hi guys, I have been ignoring letters for several months now but finally now time to sort this out. personal loan around 6k / 17k (2 loans) and 2k credit card. I have started to get moorcroft letters as well. Just tried calling the bank but they are experiencing high call volumes and was going to be min 30 minute wait. no thanks I am planning to call them again tomorrow morning but I was not planning on contacting moorcroft. I want to only deal with lloyds. I can sort a payment plan out its not going to be much as I am not working at the moment although starting a bus
  13. My friend has just got a bailiff final notice letter through his door on Monday but it is for his son. Or should I say, His son business. His sons registered business address is at his dads’ home. So, I have assured him that as long as you don’t open the door the bailiff cannot enter your property as it is a private dwelling belonging to him and not his son and they cannot drill the locks either, it’s just a bluff to get you to open the door and pay someone else debt The final notice just says client XXXXX borough council. For the value of £423. I have spoken to the son who has no recolle
  14. Hello all, Posting on behalf of a work colleague. Have passed them site details and suggested they register themselves. The person in question works as a cleaner for a third party company who have a contact with our business. Our business is part of a much larger group who are currently restructuring. As part of the restructure, our business is moving from its current facility to a new shared site along with other parts of the organisation. For this reason our contract with the cleaning company is due be terminated. This now leaves the cleaner, who has 8 years ser
  15. Hi. need advice please. we received an email back on April 10th for a publication called the Data Protection Adviser(cannot find the email now). went onto their website and the employee saw a 3-day trial which they clicked and filled in our email address and details. They were under the impression that this was a 30-day trial without having to input credit card details and therefore if we wanted to continue with the publication we would then need to provide our payment details. we received 4 newsletters, the first In June, a second later in June, 1 in July and 1 in August. W
  16. Hi I posted a few months ago about chasing old PPI and this particular one is very long winded dating back over two years. Its particularly interesting because they admit PPI on a business overdraft but wont pay it back and more importantly they continued to take money from a totally unrelated separate personal joint account for two years without my permission(though they have paid me that back) Scores of letters but I have uploaded the relevant ones here for your help. I discovered PPI on a business account and asked them to repay me to which they refused saying I had sig
  17. Hi all, I wonder if there is anyone that could advise me in a pressing matter. Below are the details: Myself and two others held a lease for a commercial property between June 2012 to June 2017. In 2015 upon the breakdown of the business we had agreed with the landlord to surrender the lease and hand back the keys. The keys were handed back amicably however we were foolish in not signing any documents and neither was any provided or suggested. Until this time all business rates had been paid and settled. In the last two weeks a letter was received at my
  18. My daughter is NOT self-employed but works for a company that requires her to meet clients within the region she works in. Her contract does not state that she had to have a car but she has been told that she must use her car to go meet clients. Fair enough. When she went to claim her fuel expenses they refused because they said she needs business insurance on her vehicle and once she produces a certificate to prove this they will then pay for the fuels at 45p per mile. W Why should she have to pay for business insurance, it is not her business. She has said she would be ha
  19. Hi, I have accumulated some relatively large charges from HSBC Business over the last few years, mainly for unauthorised overdrafts. Is it possible to have any of these refunded? I am in quite a bit of financial difficulty at the minute. I dont have any lending on this business account. I would also like to keep the account open, so dont want to do anything to harm that if possible. Thanks for reading! Jamie
  20. Hi, Could someone help me please? , complete noobie questions below:- I've been out of the country and been sent a claim form from the County Court Business Centre for a claim from a 10 year old Halifax credit card debt for £1600 plus £105 court fee and £80 legal representative costs. I have been receiving calls from these people but i just thoiught they were PPI calls. This claim form was sent on 6th April (I flew abroad 7am that day) but i've logged onto the portal (22nd April) and filled in the AOS form to extend, i'm not sure if this will still be possible to do? I
  21. I have started this thread because I would like this to show up in a Google search because I know people on here will bother to give some sound advice. I am beating myself up because this morning I got an invoice from Agora Business Publications for £49.86. I received a free windows gift CD that I recall ordering a few weeks ago. It was no good to me. Apparently, if you do not cancel within 30 days you join a subscription. I am sure you have all heard of this type of business practice where they appear to hide quite well that cancellation is of the essence if indeed you want anything FREE. I d
  22. Hi Just wondering if the Consumer Protection from Unfair Trading Regulations 2008(amended 2014) covers business to business transactions? Meaning that the consumer can be a business? A friend has been misled by a salesman about a service they've bought in their business and we're trying to put a complaint forward. Any pointers to some helpful legislation would be appreciated. Thanks in advance.
  23. Hi all, Just need some help here for my daughter, She has just been contacted by her council claiming she owes money on two debts I think they are both for business rates, One debt is from 2002 and the other is 2008, Can they still collect if she owes this money after all these years have passed, Just need a yes or no answer if possible. Thanks.
  24. Hi everyone, I am just after a bit of advice on how best to hand a PCN issued to one of our vehicles for 'stopping' on Liverpool business park. The vehicle in question had a puncture and the driver parked up in a disused driveway, whilst waiting for the fitter to go to him to replace the tyre. We received the usual 'PCN' from VCS to which I appealed, i have now had a reply from them saying that they will only hear the appeal if I provide the drivers name and address, for which i am not prepared to do, as the appeal will be rejected and they will bombard the poor sod
  25. Hi. I have recently set up a new retail venture and it was always a risk but so far it is showing signs of becoming something worthwhile. But obviosuly have a lot of work to go before I start making a comfortable wage. I have council tax issues. I am not making enough money right now to pay house rent, gas, electric, food and then council tax (and the rest). I have one bill from 2 years ago which I was disputing but as the council have all the power and we must submit to them they win. Also on my current property they now want £450 aprox paid by March or some time. T
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