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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 a
  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 repossessio
  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. Carpetright has said it is closing 92 stores - resulting in 300 job losses - as it fights for survival under a sweeping restructure. The beleaguered retailer, which employs 2,700 people in the UK, said 11 of the sites earmarked for closure had already stopped trading. The move follows a review of its property portfolio which found 205 sites were underperforming or on unfavourable lease terms. Carpetright said it hoped to relocate affected staff - and said rent would be slashed on the other 113 struggling sites under the rescue plan. Wilf Walsh, chief executive of Carpetrigh
  5. 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 c
  6. 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 poli
  7. 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.
  8. 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 ag
  9. 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
  10. 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
  11. READ MORE HERE: http://ee.co.uk/help/mobile-and-home-connections/broadband-gallery-mobile-broadband/email/email-closure
  12. 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 paymen
  13. 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 Pr
  14. READ MORE HERE: https://www.gov.uk/government/news/ban-on-women-in-ground-close-combat-roles-lifted
  15. 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?
  16. 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 administrati
  17. 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
  18. 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 o
  19. 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
  20. 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 w
  21. 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 int
  22. 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 h
  23. 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
  24. 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 anyon
  25. 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 mee
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