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  1. Hi I bought a car from a dealer back in September I've been advised that the turbo needs replacing. I have 1 years warranty with the car the warranty provider is trying to claim that it is wear and tear. I have checked the policy booklet and the turbo is NOT amongst the items not covered on the scheme I have. My mechanic stated that the air intake was broken around the turbo area and the seal was broken in half, he stated that it looked like a botched repair previously done. I have sent the warranty provider an email threatening legal action with my findings and am ready to take action against the dealer concerned. I have written a threatening letter to the RAC (the RAC are in charge of the dealer concerned) as well but I would like some advice or ideas how I can progress this matter?
  2. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossession proceedings yet? I'm hoping they will agree to take just a small token payment this month then make up the shortfall over the next two or three but if they try to play hardball where do I stand? Thanks for any help.
  3. 5 months into a 6 month AST, they are over 2 months in arrears. LL knocked on the door last night and the house is empty. All of their stuff is gone. Tenant unresponsive by phone has blocked numbers etc. Questions: 1) What to do about what seems to be surrender of tenancy? LL obviously wants to get in asap clean up and re-let, however I think ti is not as easy as that? I "think" that if we can get tenant to sign a "surrender of tenancy" form then that covers it? But I am unsure. 2) I assume small claims to recover the monies owed?
  4. Hi there, I must admit that I was a frequent lifter. Usual method is self-checkout at many groceries stores. I have not been caught before but came very close today at M&S. I am a student who's currently working at a mall during winter break to make some cash. After work, I decided to head to M&S to grab groceries and pocketed a piece of steak and paid for other items. When I exited the store, I felt someone was following me and quickly turned a corner and ran to hide - it was an M&S LP who followed me. I managed to lose him. Although I didn't get caught, I am very certain that they will look over CCTV and try to ID me. I paid for some of my foods with my debit card as well which could be traceable. Not to mention I work in the same mall that the store is in. If any of you could give me some information about the likelihood of getting caught then please let me know. I will now go to work via a different door and wear different clothes to avoid suspicion. Gonna get a haircut as soon as possible. Any advice on what to do would be appreciated. I have decided it is not worth it to save money by lifting. A 7 pounds steak could have costed me my degree and a prosperous future. If you are young and are reading this: please stop before the odds are against you. Regardless of the reason why you steal, the LP will not want to hear it. I wish you the best of luck quitting this toxic habit.
  5. Hi All, I am hoping someone can share experience or offer some advise. I set up an IT contractor insurance with Kingsbridge back in June when I was about to start my first contract role. The policy covered me for Professional Indemity insurance and I was quoted £45.00 a month. I agreed to the Insurance plan, two months later I got a better deal through my Accountancy firm I was dealing with. I cancelled the direct debit and notified Kingsbridge. I have now received a letter from Close Brothers Premium Insurance stating I owe them £384.00 for the full insurance policy and it is required upfront. If not, they have threatened to send the debt to a third party collection agency. My insurance cover is now cancelled, so unsure what services the payment is meant to be covering! I have e-mailed them last week on the customer services account, but I have heard no response, it feels like they are just ignoring. Do I have any rights in this matter? What would be the best course of action, bow down and agree a payment plan or dispute the debt. Thanks & regards, David
  6. I am struggling to close PayPal and EBay accounts of my late Husband. Using the contact us forms doesn't appear to produce any contact from either of them. Has anyone had experience of closing these accounts - thank you.
  7. Good evening, if somebody could give me some advice on the following issue I would be very happy. My son took out a car loan with Close Bros in September 2016. In July this year he was abroad on holiday and unbeknown to him he had gone over his overdraft and any further DD were cancelled and returned, including his car loan Upon returning to the UK the following day (Friday) the day after the missed payment he contacted close bros, but due to the time no one was available. On Saturday he received a letter in regards to missed payment. He tried to contact them again on Sunday but again no one available. Monday morning he rang and made his payment plus a £40 late fee. That Monday at around 5.30pm we had a door step collector visit us. I instructed him the payment had been made and how ridiculous to send somebody round when a payment is 2 days late, he informed me he had not been informed that payment has been made that day. Fast forward to today and a letter has arrived from close bros requesting £25 for the returned direct debit, £15 for the letter and £75 for the door step collector visit. I'm not concerned about paying the £25 or £15 as that is expected but dispute the £75 for the door step collector as the payment had already been made. So where do we stand in this situation? Thanks in advance Sarah
  8. I had been with Natwest for 22 years and had a black account with the Gold Advantage Charge card. I was advised to become a company as I would be delivering a service through several agencies. Unfortunately, due to exceptional circumstances and include a bad personal relationship left me in debt and I am about £8 -9k in mortgage arrears on a house I rent out and a personal overdraft that was £12k. In 6 months that OD was cleared and both business and personal accounts were in the black. The difficulty in meeting the mortgage department for an arrangement to be put in place was mainly because this period was over the summer, they would meet with me after 5pm and if I called at 4.45 they would not deal with me. I sent in 2 income/expenditure spreadsheets but they clearly didnt see them but I managed to set up a DD for the mortgage online and I met the deadline. That evening all three of my accounts were closed. I called the callcentre and they said they didnt have me on record. I tried to log a complaint and they were too busy on the Friday but promised they would be in touch the next day. They never did. As a prelude they stopped my access to online banking even though there was no way of spending money or transferring out into other accounts so it made knowing where I was financially and who had paid me and hadnt. The worst thing is that I couldnt operate, I need supplies, sundries and I was without any money to buy food or even some milk. I told Natwest this but they told me all my funds were transferred into the mortgage. It took a further 3 months to work out what had happened and the cause was not offered to me by the bank whose level of investigation was looking at the screen in front of them whilst on the phone. They hadnt cancelled the previous direct debit so every month the original arrangement would draw funds then the older previously arranged dd would be rejected. This was recorded as a default. I tried to make it clear to them there was an arrangement in place, it utilised a payment system set up and approved by the bank and it was their job to find out where the money was disappearing to every month for three months instead they left it to me. I complained about being oushed further into hardship by continued charges I had no way of keeping track of as the online facility had been taken away four months before they closed me down, failed to log 6 out of 8 attempts to complain and didnt care that I had not a penny for two weeks. They tried to issue a repossesion order and I wrote in to the lawyer to say that was illegal as the account was under dispute. In the meantime, I asked for SAR to get all the account information and after three months all I have is mortgage account copies. The lawyers are now calling me and I am sure its about instructing me to pay the arrears within the week or they would issue a repossession order on the house. They cancelled the direct debit that existed so I was conscious to keep puttting funds in every month but trying to function without a bank account lost me more money and irretrievably lost more clients. I am expecting a lump sum of money that will clear the arrears but the knock on effect meant that I was late paying my suppliers and one has taken a county court judgement out against me and bankruptcy is where I am at if I dont have some means of a reprieve. Yes, they said that if i didnt have an arrangement in place my account woud be closed and they talked about recovery. Sounded to me it was going to get better! The arrears werent as much as my overdraft which i cleared in less than 6 months and they had said the the charge card was a different legal entity and when I called the credit card company customer services before they closed my accounts they said that there wasnt any money owed and that it would be fully operational once the mortgage arrangement was in place. That wasn't true and I also lost my 36,000 reward points as I had no online access and frankly more serious things to worry about. i cant really afford a litigation lawyer at the moment and have little faith in the FSA from what I am reading. The banks replies to my complaints are to issues that weren't raised and they have not taken notice of my plea to allow me access to funds I had to eat and drink. I was not notified clearly that every account would be closed down and as far as I am concerned there was an arrangement in place that obviously isnt integrated into the RBS network as they couldn't see that the money had been taken from the holding account and HSBC provided a fast pay reference number. You cannot open another bank account if you have mortgage arrears is what every other bank told me but once I called the Business Debtline they advised me to walk into a bank and ask to open an account. Why didnt the other banks suggest this to me? A week after submitting an application form for a Cashminder account with the coop was i able to restart rebuiding what Natwest pulled down.
  9. If you are self-employed and you are owed money from a company (construction) for an unpaid invoice and you start court proceeding's can they close the company down before it gets to the court date and if they can is their any way of stopping them doing this Thanks
  10. READ MORE HERE: http://ee.co.uk/help/mobile-and-home-connections/broadband-gallery-mobile-broadband/email/email-closure
  11. JI have taken out an insurance policy with an instalment plan the instalments are through Close Brothers now due to my boiler blowing up just after I took out the policy I didn't have enough to make the payment on the loan. I called today to make the payment and asked if they would take off the £30 charge, the lady said she would check and after keeping me on hold for 10 minutes told me they couldn't do anything about the charge and I had to pay in full they told me they had a right to charge this amount and would charge it again in the future If I missed another payment. I have also checked my bank statements and with out notice they had tried to take my premium again 7 days after the first failed with the £30 fee included. Can I still claim these fees back or can they just quote the collection act at me as the person on the telephone said they were using :mad2:
  12. Hi - not sure which forum this belongs to so will try here. Firstly (I say this first to make the situation clear) I deliberately did NOT sign a contract with these guys because I didn't agree with the terms. I was sent reminders to sign all the way up to the date of the first DD.. and then they duly took the first and subsequent DD payments without the agreement signed. (What is this type of contract called where some basic terms are implied by the exchange of money? "Implied Contract"?) this is for car insurance. My favoured insurance broker uses Close Premium Finance for payment installments via a credit agreement - they get the money upfront, you pay 5 monthly installments to the creditor. My final instalment of £47.51 didn't go through as I didn't have the funds. This was on 16th October. On 18th October I receive a default notice dated 17th now claiming £77.51 because of an added £30 fine as per the "agreeement" (which I didn't sign). Several days later they tried to take this from my account by adjusting the Direct Debit amount. I should say here also that I did not sign a Direct Debit agreement either with Close Brothers but only gave my bank details to the insurance broker for this purpose as part of the data they needed to enable payment by installment on their system. The default notice gave me until 6th November to pay this increased amount (the total called "arrears") or they would terminate the "agreement" (which I didn't sign..) . I still didn't have the money until this week - am self-employed and had a backlog of invoices to send out and be paid - and also busy so made no contact or payment. Today I received in the post a letter saying they have terminated the "agreement" and are threatening to demand the remaining six months' insurance premium from the insurance broker and pay themselves the arrears, now increased by a further £15 to £92. If they do this, they will both cancel my insurance, get £150 odd back from the insurer and take their £92 (and return £58 to me from what I understand). Yet I'm only £47.51 short of the full amount (£315 I think total - some £70 odd was paid direct to the broker upfront). I'm at a loss as what to do as I don't know where I stand! I have a few questions: - I did not sign the agreement deliberately so as not to be held to the penalties (they call them "fees" of course") so can they even default me at all and does the Consumer Credit Act come into force for ANY loan, whether you sign a contract with mention of it or not? - Can a creditor default someone after just one day and without sending a notice of arrears first? - By me allowing them to take the payments as scheduled and by them acting to take the money, do we have a contract at all and if so what are the terms? Can they automatically include their full terms or is it only a simple implied agreement of supplying the basic credit in exchange for the scheduled payments? - Have they violated Direct Debit rules by both not getting me to sign a mandate explicitly and by then changing the amount from the schedule that was set out? At no point had I agreed to or been informed of a variable Direct Debit. - What steps can I take to prevent them from taking the remaining premium and paying themselves the fees? Or better still stop them from cancelling my insurance with the broker? (although they've stated they've cancelled the loan?) Any help would be much appreciated as I've no idea as to my rights here or what steps to take (I realise thought the amounts may be trivial compared to some other's difficulties!).
  13. READ MORE HERE: https://www.gov.uk/government/news/ban-on-women-in-ground-close-combat-roles-lifted
  14. I am trying to close my dad british gas account as he has moved into a care home since my mum died in january, he has a council tenancy and I have cleared the house and elec and gas I have turned off as theres nothing that needs to be run, and the tenancy is about to be ended. I send BG an online enquiry to ask about closing the account, they have said I need a "Court Of Protection" letter, I have no such thing - cant I just write them a letter and my dad to sign it, and include the final meter readings?
  15. I would value your advice on how to respond to an offer from Xercise4less that hopefully would result in the closure of a dispute over my son's alleged membership arrears. In brief, my son and his friend joined Xercise4less last May on a monthly rate of £9.99 four months later when they went away to university they both cancelled. A month or so later my son noticed the monthly fee was still being deducted he cancelled the direct debit. Shortly after that he received a letter from Harlands claiming he was in arrears and that he owed monthly fees plus administration charges of £25. Others followed a month ago CRS sent him a letter (followed by a text) asking for fees of £66.50 as part of alleged arrears now totalling £166.45. He tried to contact Xercise4less by phone (no one ever answered) and by email (the company replied by referring him back to his local gym as central office hadn't received any evidence of the cancellation of his membership). More emails to the gym manager followed until he was told that in fact he was not a member of that particular gym - but of another one 6-8 miles away!! He had used the local gym for 4 months but no one had ever challenged him on the fact that apparently he wasn't even a member there... By this time the whole situation was annoying me as much as my son. I am regularly in pain and sleep is often difficult I vowed to resolve this matter once and for all. I emailed Xercise4less two days ago and this afternoon they replied. They asked for evidence of his cancellation from the gym (it was a verbal cancellation with nothing in writing). They asked for proof that he had moved to university (I have an email from his university with an accommodation tenancy agreement). Then came the money part of the offer, the bit I need your advice on... They said if evidence of relocation is provided a request would be submitted for his membership to be recalled from CRS. However this would need “a final £9.99 payment and a £20.00 administration fee” for the account to be fully closed down. My question is: should I pay any or all of those fees?
  16. hi all , i Really do hate these insurance people i was 1 day late and HAD to pay the £30 charges , mine was due on the 27th November and inbetween having my therapy and seeing to my mother who has breast cancer and i had dentist that day but i STILL tried ringing them even off my mobile (god knows what the charge will be) then when i managed to get through before they closed they put the phone down on me , and they are not open till monday , not that will listen to me but im not paying anymore charges that are not my mistake , only recently lloyds bank had taken £194 in charges over 5 months and they gave me back £50 thats why i dont have a deirect debit set up with close brothers can anyone help im literally 2 months away from having 70% no claims id otherwise change my insurance straight away because of the street i live in , theres been people ringing the police is someone damaged there wind mirror ive had to tell them all , they are not going to go after someone for damage all you have done is put our insurance up im 38 been driving YEARS and i own a renualt megane dynamique and im paying £1300 a year monthly instalements of £82.50 with those £30 on top charges i just dont have the money ive had to borrow of my dad to pay them in the first place anyone have any ideas gladly appreciate it thanks everyone
  17. I find myself in new territory and would appreciate some guidance if possible. My sister is terminally ill and we are a very small family. This consists of: Daughter (K) 2 Grand children Older sister in Europe (RB) Me (sister) been caring for her (RD) My niece (K) has no problem with me dealing with all official and non official things because she is not coping with her mothers prognosis. However, I am obviously aware that my niece is the next of kin and we are communicating everything together at each step of the situation as it arises. Big sis in Europe not coming over until Christmas or the funeral, whichever comes first! Now, as my sister has not made a will this will leave us managing her estate in accordance with government guidelines. There is no property involved - under £2k funds - £500 debt besides the usual utility bills. In receipt of P.I.P and motability vehicle in operation. In receipt of Tax Credits (albeit they have been calculated incorrectly and I am currently dealing with, via letter of authorisation) Funeral paid for in cash 6 months ago Old PPI plans are being dealt with/ or have been dealt with accordingly. In order to reduce timesframe and undue stress (I lost my husband in April) I would very much appreciate 'official quick fixes' if they exist or alternatively, smooth solutions to keep anxiety to a minimum. P.S: Title appropriate because we have a good sense of humour - NOT intended to offend. Many thanks Shelley
  18. Northern Powerhouse department to close office in Sheffield and move 247 jobs to London Read more: http://metro.co.uk/2016/01/29/northern-powerhouse-department-to-close-office-in-sheffield-and-move-247-jobs-to-london-5651943/#ixzz3yiz1scce
  19. Across the country, 91 courts and tribunals will close, while a further 31 will merge with existing buildings. See the link below for more details on this story: What effect is this going to have on local justice and how will the volume change for the remaining Courts to pick up the extra cases that will be heard at regional Courts in the future? So with the change to digital and more use of the video conference and the use of telephones will see a significant change to the justice system. How many more changes are in the pipeline and what will they be now? Only time will tell!!!! Centralisation will be more cost effective so will the EA's face the same cuts or will more be used? If the latter will this be just the start of a new justice system? Imagine facing the bench from your armchair? Homemade justice without the need to attend a live court!!!! http://www.echo-news.co.uk/news/13424238.Essex_courts_to_close_as_Government_makes_cuts/
  20. Just when you thought the banking industry was at least starting to have its wild speculation to make personal profit at everyone else' expense curbed ... 'FRAID NOT ... Finance minister George Osborne signaled in a speech in June that he wanted a "new settlement" with the financial sector, taken to mean a softening of approach and an end to so-called "banker bashing". A few weeks later, he ousted FCA chief executive Martin Wheatley, who had warned he would "shoot first" and ask questions later as he faced fresh scandals in the sector such as the attempted rigging of Libor benchmark interest rates and currency benchmarks and the mis-selling of loan insurance. http://www.reuters.com/article/britain-banks-idUSL8N12F0O820151015 and you thought new laws were being introduced to address the simple fact that no bankers are being prosecuted for bankrupting the world?? Britain Doesn’t Need New Laws To Tackle Corporate Corruption, Government Decides The business minister has scrapped proposals for new corporate crime laws – because no one is being prosecuted under existing ones. http://www.buzzfeed.com/jamesball/britain-doesnt-need-new-laws-to-tackle-corporate-corruption#.dyAyvB8jk
  21. Gents, do you have a strong beard growth? Are you fed up with the cost of disposable razors - as I am? They don't seem to do a good job for long. Well try going back to the good old Gillette 3 piece Safety Razor and razor blades. I found it a remarkably clean shave in comparison (its what I started with). I got 20x5 packs blade for a fiver Ebay. A blade can last a week, so thats 2 years worth. I bought a 2nd hand original Gillette blade holder for £3 Ebay. IMHO don't be tempted by the cheap charlie new ones, made of alloy with a steel screw, already rusting. Tip, get in the habit of turning over the blade before starting. The blade gets "stropped" by your skin. This way your blade last 2,3 times longer This isn't just about saving money for me, it is about getting a decent shave.
  22. Hello all, Would welcome any views on my current situation with Plusnet. I have had ongoing issues with my broadband and telephone for over a year- I have given them multiple chances to resolve these problems. Eventually I had to email their CEO to force them to engage with me and the fault even investigated. Despite being told multiple times that there were faults external to my property I was repeatedly told to "change your wireless channel". Eventually I had to complain to CISAS. Shortly after my complaint to CISAS, Plusnet removed from their online ticket support system all records of the conversations we had had prior to their being forced to investigate- this included the year long history of my contact, their responses etc. All that remained was the initial response to my CEO email. Since CISAS closed the call - we are awaiting their decision but they will no longer accept further evidence - Plusnet have become increasing more difficult to deal with. Last week they unexpectedly told me that I had an outstanding amount to be paid and they cut my services. There is no outstanding bill and I asked them to raise a bill enabling me to pay this amount, albeit under duress. Since then they have ignored all contact with me and there is no way I can pay this outstanding amount as my account shows no outstanding bill. Today I receive a letter stating "as a result of your outstanding balance your account has been deactivated". They are not responding to any contact from me. I work from home and am a full time carer to my disabled son - who is educated via an online 'virtual' school - and Plusnet are aware of this. Without access to the internet I cannot work and my son cannot be educated. They are now refusing to respond to my many contacts: phone, email and twitter all ignored. I suspect they will continue to ignore me until enough time has passed to close my contract. My main contact there - Matthew Wheeler - has been phenomenally bad at dealing with these issues and now just doesn't respond at all. Avoid at all costs.
  23. Hi, I have an outstanding parking fine with Cheshire West and Cheshire Council that I can't afford to pay. I have an earlier one that I also couldn't afford to pay which is now with Jacob's baliffs - so i'm preferring that this later one will be referred to Jacobs soon. I'm currently dealing with Jacobs with regards getting a monthly installment agreement in place, but all the numbers on the council paperwork for the 2nd fine are for automated payment lines etc, and I'm wondering if theres anyone I may be able to speak to regarding getting it sorted, does anyone know if theres anyone at councils that I could negotiate with regards to sorting out some time to pay or installments? Regards Chesterxx
  24. Hello Everyone Please accept my apology if this post is a bit lengthy. I'm on Credits Only JSA as I'm working part-time Mon to Fri. Recently, my JSA advisor had sent me to Mandatory Work Activity(MWA) when she learnt I was having holidays from work. She did that although she knew I did not fit the MWA selection criteria. The advisor, despite my objection, just handed me the referral letter to the MWA and said if I don't do it my NI credits will be stopped. Due to her pressure I complied and went and did the MWA for 4 weeks. When I completed the MWA and on my first meeting with my advisor, she handed me another letter for the work programme (WP) personal advisor interview. At that point I protested and said I already have a part-time Job which was staring again in 2 days and I'm not interested in going into the Work Programme. I also said that as far as I know the Work Programme is not mandatory for people on Credits only JSA. All that was ignored and the letter was handed to me. On further research, I was able to confirm that indeed I was exempted from the Work Programme. I have then lodged a formal complaint in which I questioned the reason for setting up a work programme advisor interview for me from the first place without my consent or even discussing it with me. I also indicated that as it was voluntary I had no legal obligation to attend that interview. However, after the interview date (which I did not attend) , I was called by the Jobcentre and told that they have now made another appointment for the Work Programme Interview and if I don't attend it then they will close my claim. I replied that I did explain to them in my complaint letter why I did not agree with being sent to that work programme interview and it was now more than 4 weeks without receiving any reply for that complaint from them. I asked the person on the phone how come it is mandatory to attend that interview while at the same time the law states clearly that the work programme is voluntarily for people on Credits Only JSA? The person replied that all advisor’s interviews are mandatory and if I don't attend then they will close my claim without even taking it to a decision maker. I'm not sure about the motives behind insisting on forcing me into that interview but given previous experiences with my advisor I really do not want to go there. Now today, the jobcentre has sent me another letter stating that if I do not contact them to arrange for another interview within 5 days then they will close my claim. I have already contacted my MP regarding this matter as this is getting too much but can someone please advise me on these points: 1. How valid is the claim that all Advisor’s interviews are mandatory (i.e. normal bi-weekly advisor interview versus a specific Work Programme interview)? 2. Why would they insist and try to force me using threats to attend the work programme interview even although I'm not required by law and I have made it abundantly clear verbally and in writing (more than once) that I had no intention of following that programme? Is it possible that they had already sent my details ,without my knowledge or consent, to the work programme providers? 3. Can they just close my claim just like that for not attending the work programme interview without even considering the compliant that I have raised or even involving a decision maker? Please your advice is appreciated! Thanks for your help. Lucy
  25. Hi all. Under the terms of my contract I can return my vehicle to close after x amount of payments. I've already reached this milestone so wondered what the effects of voluntary terminating my agreement would have on my credit report. See I want to change my vehicle for something much more fuel efficient but part ex amount is ridiculously low the only option I appear to have is to return the vehicle. Any advise appreciated.
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