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Found 14 results

  1. The purpose of this thread is to initiate a discussion with fellow eToro customers to examine the possibility of bringing a class action lawsuit against eToro, with the aim of recovering all the money lost on missold products. eToro encouraged thousands of inexperienced customers to bet their money on risky Contracts for Differences (CFDs). I argue that eToro negligently failed to ensure that customers properly understood the risks involved. The majority of these customers would not have put their money at risk if they had been properly informed by eToro. I submit that eToro is guilt
  2. I for one have had hellish problems caused by npower entering missed payments on my credit file, on and off like a yoyo and this has caused my mortgage applications to be declined more than once. I consider this to be extremely serious. Please contact me if you would be interested in taking out a class action lawsuit against npower to seek compensation for all the problems they have caused and laws they have broken. Whilst I have already provided extensive details of my case to The Information Commissioner, The Energy Ombudsman, The Financial Ombudsman, Experian Credit Agency, they either
  3. I was registered as self employed between 2011 and 2017. This was a small sideline along side my main PAYE income (so my NI contributions are already made up for the years in question), and me SE profit was generally about £1500 per year (highest was about £2500). Now I've just had a letter from HMRC demanding Class 2 NIC for 2011 to 2015. Don't know why they've only just written to me about it, first I've heard from them on this subject since 2011. I was always under the impression that as my income was below the small earnings exception, I was exempt from having to pay class 2 NIC? I se
  4. Hi, Sorry for the basic question but I'm struggling to find an answer. As a sole trader, do I pay class 4 NIC's on my personal tax allowance or do i deduct my expenses AND personal allowance from my gross profit and then pay class 4 on what remains? Thanks
  5. http://www.independent.co.uk/news/business/what-the-middle-class-doesnt-understand-about-rich-people-a7158851.html Well now you know, the Wealthy/Rich people are misunderstood ! However, there are some interesting points in the article - not least of which - being wealthy gives you freedom.
  6. I am currently on ESA SG and in the middle of being reassessed. I am as always worried about losing my ESA. I am also due to be moving in with my partner in a few months and as they earn over the threshold I will lose all money anyway but at least if I am on ESA my stamp will get paid so I will still qualify for my pension in future. If I lose my ESA it won't change the fact that I am currently unable to work but I won't get my NIC paid. I s there anything I can do to get round this issue? Could I for example become self employed and just pay my stamp myself it it wou
  7. I have just received a court summons with three options and need a little advise on how to act. On the morning in question I was in a carriage on the Thameslink service from Bedford to Brighton along with 7 people and two kids. We were asked to provide tickets by an inspector which I did so. The inspector took my rail wallet which included my work ID to access my building and previously purchased tickets. I asked for my wallet back to which he refused. He talked to two other passengers before speaking with me and ignored a woman and two kids opposite which I thought wa
  8. Before you start planning to retire, this is in the U.S. but as class actions can now be done in the UK, it's good info to keep in the back of your mind.
  9. Hi Everyone, this is my first post and I hope I can get some help to step out of this quagmire of negative discriminatory and unfair practices that I am subject to at the hands of the nefarious Nationwide Bank. My issues began in 2014, when I had just over eighty-thousand-pounds+ (80.000.00 +) taken out of my account. It was an unauthorised transaction. I was abroad, I'd used my card three times with the same vendor to buy some tickets to watch some football matches.Three different games. The vendor said, he'd give us some tickets the next day, and other tickets would follow a few
  10. Hi everyone, I believe this episode is inserted in mitigating circumstances because when I arrived to the site I was finishing a delivery to a customer and I had parked in the bay with the display ticket clearly visible in the van. (it wasn't necessary) When I was ready to leave the site I realize the approach of a CEO that however informed me that my van could not be there as it was an area not designated for class of vehicle. (I have a Luton van) and allegedly he thought I was parked there and pointed my registration What are my chances of making challenge and run well? I receiv
  11. So, after seeing a recent 1st class scenario play out on here, my question is: Can you stand in the 1st Class area if the train is busy? I assume you can stand but not sit - unless you have stupidly paid for a 1st class seat?! It did make me chuckle once seeing a passenger argue with the Inspector when being charged for sitting on one without a ticket.... his response was 'I will happily pay for the 1st class seat if you can explain what warrents this to be 1st Class?!'...
  12. racy tracy

    Class 4 NIC

    Hello people, im hoping someone out there will be able to help me. Does anyone know at what point Class 4 National Insurance Contributions are paid and deducted. I'l try and explain........my partner is a self employed/sub contractor builder. His boss pays him a wage every week from which he has already deducted tax......then every 6 months my partner gets an invoice from the HMRC to pay his Class 2 contributions. His last self assessment for April 2011/12 was done by a chartered accountant (which happens to be his boss's sister). She offered to do it for him because my partner has no idea how
  13. A class action complaint filed earlier this month in New York federal court claims borrowers with adjustable-rate mortgages based on the London Interbank Offered Rate, or Libor, paid more than they rightfully should have due to the rate's manipulation by the global banks involved in setting it. More: http://money.cnn.com/2012/10/16/news/companies/libor-homeowners-mortgages/index.html
  14. Hi folks, I dearly need some advice. Yesterday, I received a letter, summoning me to appear before the Magistrates Court on Monday to answer alleged offences under Byelaws No. 19 and No. 23 (1). I'm very worried. I had previously correspondended with the Prosecutions department (i.e. confirming my details and listing mitigating factors) but heard nothing back, until the summons. The background to the summons was that I was travelling in the First Class cabin without a valid ticket, hoping that I could get an upgrade. The carriage was empty when I got on [and for 10 stops, thereafter]
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