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Found 240 results

  1. hi everyone, today i recieved a letter from the pension service informing me from the 15th may 2019 benefit rules are changing. in most circumstances this means that both members of a couple will need to have reached pension age to be eligible to make a new claim to pension credit or housing benefit. i am 66 this year and my wife is 61 so my wfe wont retire untill she reaches 66 in 5 years so does that meen if i decided to make a claim for housing benefit id get nothing untill me wife reaches 66? many thanks for any advice or help
  2. I signed up to O2 50GB tariff in September 2018 and decided to pay for the device up front to make the monthly payments cheaper (£22 per month instead of £29). Everything seemed fine for around four months until out of the blue I received an email notification from O2 claiming that a request for a tariff change had been made. No request had been made by us. At first I put it down to some sort of [problem] email and ignored it, but checking my account online later that day, it did show up as a change of tariff - with the new tariff of £29 per month for the same 50GB i was already receiving. I chatted to a couple of gurus until it appeared 'Keith' finally understood what I was complaining about. He said he would change the tariff back but the next payment could not be stopped but he would make sure the extra charges were reimbursed soon after. I waited and waited, and nearly four weeks later I still havent received the refund, and my tariff is still showing as £29 per month. I dont know if it was the right thing to do but I have raised a complaint through Resolver, and am currently waiting for their response. As a side to this, one of their gurus told me the exact time of day the so called request was made, and I have prove through my vehicle tracker that I was driving at the time, and no one else has access. My suspicion is that O2 are running some sort of fraudulent [problem] once they realised they are not charging me enough for the 50GB. Shortly afterwards I noticed that an extra charge of £4.50 has been added to the account, stating an 'app' had been purchased from Globway BV. I had not, and never would buy an app for £4.50. Another complaint was raised about that. Then just yesterday (Sun 10) I noticed that an incredible (for us!) 7.21 GB had been taken from our remaining monthly allowance, with 2.78 GB going after the device had been switched off for the night. Another complaint ensued! This is now the second time in two months that over 7GB has been wiped from our remaining allowance, and I wonder if anyone else has any similar experiences of this, and if any members can recommend future course of action? Many Thanks
  3. Just by way of a change on this forum I thought it would be fair to point out when a company gets it right. Put in a claim for delayed flights at around 11pm six days post journey and by mid afternoon the next day the airline came back saying they had investigated, the flight was delayed by 3 hours 12 minutes due to operational reasons, this was within their control and considered non-extraordinary circumstances under EU law and they would be paying £440.26 (£220.13 per person) into the bank account of the details you gave within the next 14 days. They've also agreed to an extra £6+ for extra expenses because the vouchers they gave out weren't adequate. This isn't a prestigious airline with expensive ticketing. It's Easyjet and it was a short hop costing approx £60 per ticket. I think they deserve a public pat on the back. Yes, they should all get it right all the time but they don't. This lot did this time.
  4. Hello all. Regarding there being no £10 fee for SARs, I want to send HSBC a SAR (because I know that I had loans with them that had PPI but they've previously said that they don't have records that go back that far), other than there being no fee, is there any change to SARs, please?
  5. Hello All , I have a an issue I was hoping you can advise me on ,I work in security and have been on same site for over 15 years and we have 6 security personnel and for the last 7 years I have been working nights. I am the night Supervisor and my shift pattern was 6 nights on and 3 nights off rolling roster and my opposite did 6 days on and 3 days off rolling roster , the other guards did a 3days/3nights and the 3 off. On March 2018 the building management changed and so did the security company and we got a "security manager" as well. The new building manager wanted a small change which did not really affect me ,which was that they wanted a permanant front of house guard monday to friday and the rest they did not care about. So we changed to suit them , the day supervisor did monday to friday days ,I changed to a thursday to monday 5 night shifts so no weekends as i wanted to keep my nights. Fast forward to today and the security manager wants to change the shift patterns for me ,he wants me to go an a rolling roster of days and nights which i do not want to do. Some pertinent info is that I actually never signed the contract the new company made for us and I think if he made me change shifts I would lose my supervisor position and associated pay. Also since the new security manager came 3 of the old guards have left and only 2 of us old guards remain , he has got his own people in now. My old contract from old company ,I have actually lost it so no idea what it states to be honest. I am not in any union.what are my options here ? PS I have not disclosed this to the company but one of the reasons I work nights is my son has kidney failure and is on the transplant list and I take him to hospital often and look after during the day. Thanks in advance for advice. Regards, Sengo
  6. Hello, I am seeking a little advice as to my rights. Basically I would like to know if my job title and description etc should be a true representation of the position acknowledged to be held and job function performed. Me employment began back in November 2014 in certain position. Within a number of months I was transferred to a different department and position. This was done with no input from myself. There is a little bit of a back story here too. Since then, and several documented requests for my title and description to be reevaluated they remain unchanged and reflect the position I was originally hired to undertake and bear no relevance to duties etc now performed. This came to bear some significance recently when some new positions were announced. Not knowing exactly what my position is I felt quite disadvantaged. I was unsure if any of the new positions would potentially be a career advancement or if I would again be better seeking clarification on my own position. Again I raised this question and explained my feelings I was told that it would be looked into and that if nothing heard within two weeks to re-approach. Couple of points here : This put it beyond the closing date for some of the positions applications leaving me unsure if I would be better off applying for some of these positions or persisting in attempting to gain clarity on existing position. Most of the new positions make reference to position I fulfill. I am the only person who performs this role. The two week time period has elapsed with no update despite a request being made. Others within the company who have changed position and moved departments all appear to have had titles etc amended to reflect this. Advice appreciated.
  7. Hi, I recently received a telephone call from First Utility. This was in respect of my present tariff which ends at the end of January 2019. I explained that I intended to look around in January for the best deal. When I check my Smart Meter several hours later, I found the meter had been electronically set to zero and had started charging me on new (and more expensive) tariff. I both telephoned and emailed (with photographs) of the new settings and complained. They said within 24 hours it would go back to my old Tariff. Several phoned calls later it is still on the new Tariff and First Utility say that they will adjust the bill in January. Please advise
  8. Good day everyone! I would like some advice regarding changes with the redundancy payment as shown in the Staff Handbook. In the past, our Staff Handbook showed that in the case of redundancies, payment will be calculated on a months salary for each year of service. (Which I have retained a copy of) In the last few weeks, I have reviewed the staff handbook again and it now reads that redundancy payment will be calculated on the statuary minimum, being a weeks pay for every year of service. This has come to a surprise to me and a lot of the other staff I work with. We are all wondering if this change is legal and fair, as it was implemented without our acknowledgment. Brexit is not too far away and we all believe it will have a fundamental effect on the business we work in and therefore we believe redundancies are inevitable. Can someone please advise if we have a leg to stand on or do we just accept that we have to put up and shut up. All comments welcomed! Thanks for reading Mark
  9. I'm looking for some wise advice from those more experienced than I with insurance and subsidence claims. Our house (circa 1890 semi-detached) is on a small slope and had some evidence of small "historical" movements when we bought it 20 years ago. Very little has changed since, and a structural engineer didn't mention subsidence in an inspection 4 years ago. However, it seems the neighbour's house has developed cracks near the party wall in the last few years, and they seem to suspect OUR house is to blame as we are further down the (small) incline. They say they have inspection reports from the last 6 months, but we haven't seen anything yet. To complicate matters slightly, we are changing from our current landlord's insurance policy to a homeowner's policy in a couple weeks, as we will be moving into the house ourselves. We are worried about 1) raising the issue of subsidence on our current landlord's policy, as this might make our new (already agreed and paid for) homeowner's insurance invalid. 2) waiting until we move in to raise the topic, as our new insurance might balk at a subsidence claim if we make it shortly after the policy starts. 3) being stuck in a no-man's zone between the two policies, with neither willing to cover...if indeed there is subsidence. 4)the neighbours will take some sort of legal action and find a structural engineer that will pin all blame on us. Both our policies are with the same company, which will hopefully help. We don't even know if there is subsidence of course, but it does seem possible. Any advice from those who know more about how insurance companies would treat such things would be most appreciated. What is the best course of action? 1) Raise the issue immediately? 2) Raise it later? 3) Do our own inspection first and only then contact the company? (this will likely push us into the new policy period) Thanks in advance for any information or advice!
  10. Hi All, I have a mortgage with Santander. I have just received a letter saying that my payment will increase due to the increase in BOE rate. That's fine but it's just arrived today for the payment that's due tomorrow! I pay by Standing order and already paid this month. Don't they have to give a little bit more notice than that? the letter is only dated Sept 2018 (no actual date!) I know it's not a massive increase at the moment, but if it was the notice given wouldn't be enough. Is there some rule about this?
  11. I recently ended a relationship with my girlfriend of 4 years. When we broke up i let her borrow my car for a few months. Everything was fine during this time and i was getting to see my son. All of a sudden i was not allowed to see my son and my ex is refusing to return my car to me. I am currently going through the court process to gain access to my son. In regards to my car, i recently learned that the v5 of the car was tranaferred to my ex name. I made a complaint to the DVLA and i was told that i was sent a letter notifying me the change of name, but i did not receive this letter. The DVLA have also stated that there is nothing they can do and it is now a civil matter. They stated once i gain the car in my possession to notify them. DVLA also sent me a copy of the letter that was sent to me, i am sure they stamp these letters? This letter has no stamp, i would have never have agreed to the name change if i knew about it. The police will not do anything as well. I took out a personal car loan to purchase the car for which i am currently making monthly payments for, the loan is against my name and not the vehicle. I really need some advice and help on what my options are and i would really appreciate it if someone can help.
  12. Hi all, please has anyone got any advice or experience on my situation? I moved house a while ago. Sent off to DVLA to update license and V5 log book. Licence came back OK. I overlooked the fact the V5 never turned up, and tax was due in Jan. Realised the other week I have been driving for 6 months with no tax, as all reminders sent to old address. Immediately sorted the issue and paid DVLA for current tax and £80 fine. When phoning DVLA, they say I have 3 outstanding fines from DVLA for been identified driving without tax. First offence is just outside the 6 week period of applying for new address V5. - How easy/viable is it to contest the first fine? - Any way of avoiding/ reducing the other fines? Many thanks!
  13. Hello, Unfortunately I recently lost my job and will have to move back with family to weather the storm while I look for new employment. I plan to rent a PO box with a private company (the address will actually start with "SUITE N") to retain privacy in case things go wrong and I start missing payments. Will banks accept this new PO box address? Thanks for your help!
  14. Hi all, firstly I'm posting on behalf of my step son & GF, as they are unsure of how to respond to/progress with their currently situation. Background BF / GF living with GF's parents. GF becomes pregnant. Both 'kicked out' - asked to find alternative accommodation. Accepted as 'Homeless' by the Local Authority, and that they have a 'priority need'. Currently in emergency Council-owned accommodation (pretty decent actually) in the centre of town. GF doesn't drive, BF has small mbike only. BF employed locally. GF was in college locally before pregnancy but now not. They have made applications to the Local Authority allocation scheme for housing, placed an interest bid on a property they were matched with, within the local area. Upon visiting, found it in poor condition, at the far end of a maze-type newish estate, and around 1.5 miles outside of the town centre. Please see attached the Local Authority letter, informing them that if they reject this property then the Council will discharge their obligation to house them. Since this letter has been received there has been a significant change of circumstances - BIRTH. GF has giving birth at 27 weeks ! A lovely baby girl, who is doing really well - as is mum GF & daughter are in a NICU approx 90 mins away from home town and will be for a substantial length of time. Clearly there will be a significantly increased requirement for local hospital interaction in the short term. Issue: BF & GF want to reject the visited property, but are worried the Council will them wash its hands of their housing requirement. Their reasoning is mainly that the location will leave GF isolated from amenities and her support network. Clearly the latter is now more important than it was at the start of the application, due to the significant change in circumstances. So, how do they proceed...? I'm presuming they should write to the Housing Advice and Homeless Manager specified on the attached letter, but what should they say..? Is there something standard available, or should they just blurt it all out and hope for the best..? Can the Local Authority really remove them from their care following such a change in circumstances....? Look forward to your comments... CLST1 2018-06-05.pdf
  15. I am currently living with my partner, which is likely to become a permanent arrangement in the near future. As of yet I have not updated any accounts/documents with my new address (incl driver licence/bank etc). I have a spare vehicle that is up for sale and have an interested party coming to view it tomorrow but have just realised the V5 is for my previous address. Will this be an issue? Thanks in advance
  16. Hi all, I'm sure it's nothing but I just wanted to check - My employer runs a salary sacrifice scheme for childcare vouchers and they have given me a form to complete which explains that 'This change will result in a change to your contract of employment'. This is normal, I take it?
  17. Hi there all. I have a question regarding my account. I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on. I was paying minimum payment for some time which meant interest and charges only on it. My business failed earlier this year and I am only now coming out the other side with a salary again. The account has been sold to IDEM and noodle gives the following information. Idem Capital Securities £ 4,471 22/09/2014 Default Name nnnnn Address nnnnnnn Date of birth nnnnnnn Account type Credit Card Account number ******6888 0 Account start date 09/05/2008 Opening balance £ 4,471 Regular payment £ £ 1 Repayment frequency Monthly Date of default 28/02/2014 Default balance £ 4,471 I am now being contacted by Westcot about it daily and in letters. I would like some advice please. 1 - It seems I can still approach Virgin/MBNA about PPI and charges on this card as I believe i have a claim that may be valid. Do I contact westcot and advise them that I will be contacting them or not? 2 - What should be my next plan? I have no issue paying this debt off but i see all this stuff about CCA requests and SAR requests etc a nd I am not sure what I should do, I can ring them up and offer £200 a month not an issue. 3 - Do they have any legal right for me to disclose my financial details to them as in income and outgoings - i can see from other threads that IDEM seem to think that they are in their rights to ask lots however I don't know what westcot will want from me. Thanks in advance!
  18. Hello, I recently experienced a severe change in circumstances which meant I was removed from my residence in London and had to move over 55 miles away. In London, I'm tied into a 12 month contract with Parkwood Leisure. I emailed them, explaining my change in circumstances an that I was under severe financial strain and therefor couldn't afford to pay my membership - I provided them with proof of change of address etc. I also took the following steps: - tried to find someone to transfer it to - asked if they had a gym near my new address, so I could transfer it to someone here (they don't) - Offered to pay them a smaller amount (2 months fee) to effectively cut the contract early, which would be beneficial to both sides and is all I can afford. So far all I have received is strong arm emails just reciting the same contractual terms, with no compassion showed by what appears to be a pretty awful organisation based on other posts I've read about people who've been admitted to hospital etc (Parkwood Leisure). I suppose my question is - is there anything I can do? I'm tempted to just tell them to do one and take a chance, if they file a CCJ then I'll just pay up but as you can imagine a gym membership is definitely not high on the list of debt priority (unless it has to be, with a CCJ). I'm not too familiar with CCJs, but from what I understand: - If you pay in 14 days then it wont impact your credit rating - You will be charged a CCJ administration fee on top of what you owe Does anyone know if the above are correct in this case, if so, what is the administration fee? I'm tempted to offer the gym a payment of say £10 a month for the foreseeable future to make the payment easier - would they likely accept this? The whole experience has been awful to effectively just speak uncompassionate gym staff (I even had a phone call with the head of the centre). What an awful way to treat customers. Thanks for any advice!
  19. Civil news: rule change for clients threatened with homelessness READ MORE HERE: https://www.gov.uk/government/news/civil-news-rule-change-for-clients-threatened-with-homelessness
  20. Civil news: rule change for clients threatened with homelessness READ MORE HERE: https://www.gov.uk/government/news/civil-news-rule-change-for-clients-threatened-with-homelessness
  21. Hi everyone. I'm a new member on here. I came across the site when researching tenancy deposit schemes and I've read through several threads but can't seem to find and guidance in relation to my particular problem. Briefly, in September of last year I agreed to rent a property with a private landlord. I had a few concerns about the property but the landlord assured me they would be dealt with once I moved in. But I needed somewhere to live quickly and my mother paid the deposit. The rent was to be paid by housing benefit. There was mould throughout the property, there was a leak from the soil stack or a blockage causing it to seep out from where the two pipes join, a couple of electrical sockets that were loose from the wall etc. I paid the deposit in cash and received a receipt. After several weeks the landlord had not repaired any of the above despite my texting and phoning him. At the same time he began to phone and text me demanding the rent but there was a delay at the housing benefit and the payment had not yet come through. He threatened in the text messages to come round to the property on specific dates and turf me out and take the keys back. I felt intimidated by him and told him by recorded delivery letter that I was going to give him 28 days notice to leave because he hadn't fixed any of the things he had promised. He had no problem with this and texted the sooner the better and that he still hadn't had the rent. I left the property and asked him for the deposit back and he said he was keeping it because he was still owed money. I then found out online that the deposit should have been protected. I asked him about this so that it could go to a resolution but he would not give me the details but kept on saying that he had protected it. He then came back to me and said that I owed him four months rent for leaving early, fees that he had paid to an electrician to fix a pendant - which was one of the jobs I had asked him to fix - fees for a skip to empty the property even though it was empty when I left etc. I realise I'm rambling on. What I'm trying to determine is whether the tenancy was valid when he didn't protect the deposit? Has he a right to claim back four months rent from me when he didn't protect the deposit in the first place? Did the agreement lose any legitimacy when he failed to do that? I ask because despite my continued asking him he will not return the deposit and I'm thinking about taking it to court. All I want is my deposit back. Nothing else. He has since had the back payments up until the time I left the property. Any advice would be much appreciated. Thanks
  22. Last year I booked a transatlantic return flight from Madrid with Iberia, on behalf of a friend of mine who moved to Madrid years ago. It was an expensive flight to start with and the email from Iberia stated that date changes would incur a penalty of between US $195 and $325. She changed the return date and was told over the phone that she had to pay over $500 to change the date. She argued about it but was given some stock answer by the local Iberia office so she had to pay the amount using her card. This is clearly not in accordance with what was stated on their booking confirmation email that stated: "Change Allowed with a penalty between 190-325 USD for departures from America, 150-250 € for departures from Europe" I believe BA and Iberia have merged https://www.britishairways.com/en-gb/information/about-ba/iag Is there anything that can be done?
  23. Hi, ive been reading a few forums and cant seem to find the answer to this question. I have an account on my CRA for Lowells marked as defaulted at an old address. Now my fear is they will try to obtain a CCJ at my old address at it is nearing the 6year mark since I have made any payments or had any contact with them. Is there anyway I can update my address with lowells with out resetting the 6 year clock? Thanks in advance Sorry should of mentioned this is for a Orange mobile account so as far as im aware I cant CCA them either
  24. Hi First time poster here so sorry if this is posted in the wrong place. I am urgently after some advice for myself and other work colleagues. We work for in a workshop which comes under a Logistics which has gone through certain changes over the last 6 months. We have all come out of a meeting as the changes are now being applied to us. We are being told our T&C's are being changed and we are being put onto flexible hours. This is due to it being quiet early in the month compared to the end. This will be done by "banking hours" for future use ie the end of the month and a maximum of 30 hours to be banked per person. Banking hours will be made by not working some days and the hours being saved until needed and used in small amounts on top of normal shift. They can then give us 5 days notice at the end of the month as to when the banked hours will be asked for back. It has been suggested that during this time we may be asked to work 11 hour shifts to cope with the workload as an example. Finally we were told that if were not happy with this decision after consultations then we were giving our notice in for that month. Now I have worked at the company for over 18 years on a 9-5:30 , Monday to Friday. I have a wife who works part time and this will cause issues for me. Is there anything I can do or is the company right to do this? Many thanks in advance
  25. Received a letter from a DCA acting on behalf of another DCA claiming that I owe an old credit card debt. Sent the prove it letter as I do not recall having this debt, they've taken best part of 6 weeks to come back to me with a letter that states they can prove the debt and have enclosed the signed credit agreement. Long and short of it, the credit agreement is signed by me and is legit, but it's for a completely different lender?!?! They've tried to obscure the lenders names so that I don't notice, but there is small print showing the lender, so i know it's not correct. My question is, can I get these guys in a big way, as they are basically fraudulently trying to back me in to a corner to pay with false paperwork. What kind of steps should I take next please? Many thanks for any advice given.
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