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  1. Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to remember nothing is impossible is it, release is coming we have to remember its just a loan and yours and my views count , whither its 1 person 2 people 50 people 1,000 plus people with same view multiplication is coming or is not needed because sooner or later it just takes the right place, action, things, people to change things.
  2. Government publishes key licensing changes to further protect tenants READ MORE HERE: https://www.gov.uk/government/news/government-publishes-key-licensing-changes-to-further-protect-tenants
  3. The new MOT! https://uk.news.yahoo.com/heres-everything-need-know-new-mot-test-100311860.html
  4. Drivers’ hours: changes to fines for commercial drivers READ MORE HERE: https://www.gov.uk/government/news/drivers-hours-changes-to-fines-for-commercial-drivers
  5. My bank has just sent me an email with upcoming changes to my (and your account) which causes me great concern and wonder if other people have had the same. Basically it says: there will be no payments in/out of my account over the weekend. What really concerns me is they warn of a new financial system where TPP (third party providors) will offer to manage my bank account, they could ask for (that means WILL ask for) my banking login and password details. Of course the bank says, if I do this then it's nothing to do with them if my bank account goes to zero. I would think that new service will trigger a zillion crooks into action - beware! The email says this scheme is forced upon them by the EU (I thought we opted OUT!!) and it gets worse... Changes to Payment Regulations Thanks EU
  6. Have just received a letter from the Management Company restricting the type of vehicles allowed to park within the residential development. - they are trying to ban large vehicles, specially stating "no commercial vehicles, vans trucks, campervans, motorhomes, minibuses and caravans, unless authorised. The justification given is limited car parking and blocking sunlight to flats adjacent to roads. As a considerate resident, I park my small campervan, based on a Peugeot Boxer away from any flats so as not to block their light. The footprint of the vehicle is no bigger than a large car. My lease grants me the right to use the roads as long as I do not hinder the access and parking of other. There are no allocated spaces, some are well away from flats and do not obstruct light. On the occasions I could not park here, I have parked on a public road. I am looking for advice - could the new restrictions be a derogation of grant, as lease does not specific type of vehicle. I want to fight this, as it is one or two individuals on the Management company who inflict this o the many. Regards
  7. Changes to the Driving Test will likely be introduced on 4th December 2017 http://www.independent.co.uk/news/uk/home-news/driving-test-learner-sat-nav-three-point-turn-dvsa-driver-and-vehicle-standards-agency-uk-a7684801.html
  8. Just had an email from Ebico to advise that from 15th March 2017, they are switching customers from SSE to Robinhood Energy, with a 4.5% reduction in price of the existing tariff. Ebico are a not for profit company, who have always specialised in offering low energy users a better deal, by not applying a standing charge and having a competitive tariff. Robinhood Energy are also a not for profit supplier and are owned by Nottingham City Council. If you are an Ebico customer keep an eye out for the email and a letter coming in the post shortly. The switch will happen automatically, but customers receiving warm home discount are advised to opt out of this switch and stay with SSE.
  9. A very popular enquiry that appears on the forum concerns bailiff enforcement for arrears of council tax in relation to a previous property and where notification of the arrears is only known when a bailiff visits the individuals new address. In the first instance, the vast majority of people pay their yearly council tax by direct debit. When a person moves from an address, there are usual steps that will be undertaken by the homeowner. Taking a reading of the gas or electricity meters is one such obvious step. Another obvious step should be to inform the local authority of the moving out date. The council will then adjust the yearly council tax bill. The council will request a new address so that a final bill can be sent. The individual should not cancel their previous direct debit without first contacting the council. If they do so, and there are council tax arrears, the council may issue a summons and the regulations (in this case, Regulation 35.2© of the Council Tax (Administration and Enforcement) Regulations 1992) are very clear, in that the summons is deemed served if sent by post to the individuals usual or last known place of abode. If a Liability Order is granted for the arrears, it can be passed to a firm of bailiffs to enforce. Before a personal visit is made, the enforcement company must send a Notice of Enforcement. Once again, the regulations (in this case, Regulations 8 of the Taking Control of Goods Regulations 2013) are very clear in that the Notice of Enforcement is deemed served if it is posted to the address where the individual usually lives. If the individual moves from his previous address and fails to contact the council to settle his council tax bill and provide a new address, then naturally the Notice of Enforcement will be sent to 'the last known place of abode' (i.e. the previous address). If a subsequent complaint is made to the Local Government Ombudsman, it will usually be the case that they will not will find fault with the local authority. The following are two recent decisions from the Ombudsman on this very subject:
  10. From April 2017 insurance companies have been ordered to make it crystal clear in renewal notices how much they are increasing their premium from the previous year. The move, a new rule announced by the Financial Conduct Authority (FCA), is aimed at stopping sneaky eye-watering raises that customers often don’t notice and simply pay on auto renewal. From April 2017, insurance companies will have to display last year’s price in a prominent position on renewal notices The FCA says the move could mean customers save up to £103 million a year simply by spotting the big rises and deciding to use a comparison site to shop around for a better deal. The renewal rule will apply to all forms of insurance, so motoring, breakdown cover and home insurance. https://www.aspokesmansaid.com/money-and-insurance/stories/content-9129/no-more-sneaky--rip-off-insurance-rises-as-companies-ordered-to-clean-up-their-act
  11. There have been some interesting changes in relation to the Civil Procedure Rules 2016. I am very interested in Part 89 in particular. >> https://www.justice.gov.uk/courts/procedure-rules/civil/rules/art-89-attachment-of-earnings Are these changes going to be of use and can they be used for all attachment of earnings? Your thoughts please.... For the full changes see here >> https://www.justice.gov.uk/courts/procedure-rules/civil
  12. As always I like to try to keep up with the many changes in regards to DLA/PiP changes between now and 2021. By doing so I found a useful site full of useful changes and reports and things like that... If you want to know more or follow this all please see here >> http://www.disabilitynewsservice.com/tag/department-for-work-and-pensions/ Vital letters that tell disabled people they have to transfer to the government’s new disability benefit are being lost in the system, leading to them losing financial support for months on end, according to a whistle-blower. Rebecca*, who has asked to remain anonymous, works for Serco, the company paid by the Department for Work and Pensions (DWP) to run the helpline that deals with all new claims for personal independence payment (PIP). There are many stories within this link and you may be interested in reading or listening or downloading the audio files attached to each of topics that are within each of the stories in this original link..... The home page link is here >> http://www.disabilitynewsservice.com/
  13. READ MORE HERE: https://www.gov.uk/government/news/enhanced-learning-credits-further-and-higher-education-scheme-changes More information on the Enhanced Learning Credits Scheme is here: http://www.enhancedlearningcredits.com/
  14. Regarding the fact that the "edit post" facility has apparently been changed so it is only available for 10 minutes after posting, not 24 hours. From http://www.consumeractiongroup.co.uk/forum/showthread.php?459296-Freedom-of-Information-Act-being-abused-with-vexatious-FOI-requests.&p=4853996 Downsides of this: CAG'ers on smartphones may not have the "preview post" option. It may well be available on the "full site" rather than "mobile view" options, but in that case, if forcing people towards using the non-mobile option ; why have the mobile view? The problem for people (especially on mobile devices) is that they may post, and have something happen in real life so they can't go back and check their post within the next 10 minutes, loosing the ability to change typos and incorrect "autocorrect substitutions". Sometimes, even despite proofreading, errors aren't spotted until the post has been posted..... Does it matter if an OP alters their post? I doubt it does, if no one else has replied. If someone has replied : why not "solve the problem" by encouraging people replying to reply with quote (the default on my smartphone). The quoted section won't change even if the OP changes their original post, and provides not only a record of the original post, but context for the reply, too. I think the "baby has been thrown out with the bath water" here, for the reasons I've stated. Suggestions one should "preview you post" before posting show just how easy it is for typos to slip through, even with previewing. I suggest other solutions (as stated) are better, or even a shorter "lock period" than 24 hours, but nowhere as brief as 10 minutes.
  15. Low and behold after two years of trying to get my credit score was looking reasonable on Experian, they go and make changes. Yesterday credit score was 627. Today credit score is 386 Any new Defaults? Nope Any Missed Payments? Nope Any New Searches? Nope What has changed? Nothing All they have gone and done is changed their processes! What a bunch of balls. Can they prove they are inline with the way other lenders score banks? Nope. So what is the point of this service that 14.99 is being taken each month. Think it's time I reclaimed the "ID theft" insurance.
  16. It seems this is being snuck in under the radar from 1st April while we are watching Cameron and his EU antics. Previously you could be absent from Great Britain for a period of 13 weeks for example on holiday and still receive benefits such as Pension credit etc. However this has changed from 13 weeks to 4 weeks and does create a problem as many people go to Spain for the winter especially if you suffer from arthritis as the UK winter can be a killer. See here for more information
  17. With the new changes that MAY be coming in the very near future, what does this all mean to the claimant? For more information please see here >> http://www.publications.parliament.uk/pa/bills/lbill/2015-2016/0092/lbill_2015-20160092_en_2.htm#pb4-l1g14 Sorry in advance for the long read... MM
  18. Future changes to benefits This is a rolling timetable of expected changes to the benefits, tax credits and social care system please see below for the link... http://www.disabilityrightsuk.org/how-we-can-help/benefits-information/timetable-forthcoming-welfare-benefits-changes
  19. At 11am this morning I had a phone call from someone saying they were calling from Employement and Support Allowance and that it was nothing to worry about but that they are trialling phone benefit reviews rather than sending out forms. She then proceded to ask me questions about others living in the home, if anyone new had move in, if I had savings of more than £5000 , if I had done any paid work or undertaken any course of study, I said no to all which is true. I have had no change in circumstance that I would need to tell them about. They didn't ask any questions at all about my health which is also unchanged. After I had answered all those questions they told me that all was fine that I wouldn't get a change of circumstance form but that any other letters or forms I got from them I should do what they say and that was that. I don't know what to think, I had my last ESA review in March 2013 and then seemed to be one of the lucky ones who had reassessment deferred for two years from January 2014 so I was expecting reassessment early next year. Anyone know about this new trial of phone reviews? Does this mean that I will get a new ESA50 now or was it just them checking that my circmstances were all as they had on file?
  20. Well, generally I am a supporter of sky, BUT alongside the £1 increase in line rental (heck they all are) sky are removing the included calls effectively reducing the worth of the package in addition to raising its cost. Now as if the double whammy there wasn't bad enough they are 'automatically' moving people on to an additionally charged calls package - as that gives the nearest call package to the free included ones you had. How are they notifying folk of this - buried in the detail of what superficially looks like just another rubbish mail shot. and to add further insult to injury, the link in the letter to tell them to get some sage, onion and breadcrumbs and apply ... doesn't work. AND of course the phone line are all blocked up with folk telling them to pull their sphincter over their head and whistle dixie. Surely automatically moving folk onto a charged add-on package is illegal - its certainly immoral. Ah well, positive side is many can use the changes to walk away from your contract with them and take up someone elses. Darned disgraceful.
  21. Growing numbers of motorists are having their cars clamped and towed away because of confusion over tax disc changes. New figures published a year after the tax disc was scrapped suggest that drivers are still struggling to adjust to the new electronic system. The disc was an obvious reminder. It has now gone and we think people might be forgetting The number of vehicles being clamped or impounded has leapt from about 5,500 a month under the old system to more than 8,000 a month. This hit a peak of 10,554 in July. The increase has been put down to confusion over new rules regarding transfer of ownership which came in at the same time that tax discs were scrapped after 93 years. More ... So their plan on how to get more money out of the motorist seems to be working
  22. Or as they advised.... "changes to our small print". Have just received a letter from Npower advising they have made changes to their terms and conditions. Which apparently came into effect on 22 June 2015. Should they not have advised their customers that they WERE making changes before hand ?
  23. On Thursday, I woke up and wasn't feeling well. I went to the job centre as normal and signed on. I woke up yesterday and felt much worse and am still not feeling well at all. Because of this, I haven't managed to do any job searching. (I spent most of yesterday sleeping) This should be a temporary issue (I do have permanent disabilities; but this is irrelevant) - although I'm not sure how long it'll last. Does anyone know what the rules are in regards to JSA and illness please?
  24. Hello, I'm hoping someone can advise me. I started tribunal proceedings against my former employer who was refusing to give me redundancy pay. Before the hearing date, they offered to settle out of court, and although the sum was less than I was owed, I agreed. ACAS issued a COT3, which I signed and sent to the Respondent, who signed it and sent it back to me. This was a week ago, and I have been checking my bank balance daily to see if the money's been paid. As yet, it hasn't. Today, my ACAS rep has asked me to print off and sign another COT3. He says the Respondent has requested that the names of the Respondent's Representatives be added to the COT3 (not a usual addition, apparently) as per the draft agreement, and he has agreed to reissue it. Can ACAS insist that I print off, sign and send out another COT3 (at extra cost to me) when the Respondent has already signed one? My instinct is to tell ACAS that the Respondent should have checked the agreement properly before signing it, and that I'm not signing another. After all, they've caused me months of stress and still got away with paying me less than the full amount, so why should I do them any favours? But am I just being petty? Hoping someone can help. Many thanks.
  25. Changes to Bankruptcy and DRO limits from 1st October 2015 https://www.gov.uk/government/news/improved-help-for-people-struggling-with-problem-debt
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