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Found 15 results

  1. Hi Everyone, I have been trying to have Smart Meters fitted by edf since last August. Initially, they were not available.. Fair enough. Then in November, I was given a date of 16 December 2016 for removing the existing meters and replace them with "Smart? Meters". Whilst the swap out happened, the new meters were left non-operational and not actually commissioned either.. Failed appointments after failed appointments, and here we are at the end of June with a commissioned Gas Meter, not a commissioned Electricity Meter, and no Room Display Unit (which as a disabled amputee with a heart condition was the initial appeal for the Smart Meters, as my meters are in the basement and I cannot get down there to read them to see how much Gas and Electricity I am using..) I have finally had to resort to the ombudsman, and just wondered if this was a common issue with edf or utility companies in general..?? I look forward to hearing other people's experiences.. Keep Smiling.. James
  2. NatWest reveals most common financial scams http://www.nwemail.co.uk/news/NatWest-reveals-most-common-financial-scams-265e30b4-d606-4361-9fd1-ff8449f6a521-ds Along with the usual scams there are a few new ones - This article worth a read, especially for businesses
  3. In view of two similar threads regarding right of forced entry for criminal fines, it might be good to clarify the situation where the front door of the debtor's residence is not immediately accessible: Flat block with secure entryphone system no trade button Postie has access code Flat block with secure entryphone system with trade button Secure OAP extra care facility with entryphone, Resident might have a speeding fine for their mobility scooter when plates were cloned or camera garbles the reg no of a speeding car (actually happened to a Flint Pensioner) Gated development with entryphone to street gates are 2 meters high and electrically operated by keypad and phone to residence Presumably unless they get in when someone lets them in or they ring flats at random hoping someone will let them in they cannot force entry to the external main door.
  4. Very interesting reading up on the difference..
  5. I hope this is in the right place to put this. I have been chatting to someone about a case where a father and daughter were Tenants in Common and the father now has to go into care. First the daughter was told she would have to sell the house so the father's share could be used to pay for the care. The daughter did not believe this to be true and the Social Worker has now agreed it is not but has now said the council could move 3 tenants in to offset the care fees as it is 4 bedroom. The social worker said the tenants would be council approved but could be male, they could also be young and wanting to play music till all sorts of hours. It seems as if the SW believes the share of the house owned by the father passes to the council and can be used how they choose. I am concerned about this as my daughter and her partner - not married - are Tenants in Common and I wonder what this opens the up to if one of them should need care in the future. Does anyone know the legal position of the council re the father's share? Thank you.
  6. Hi Just some advice. Went to Mexico 8yrs ago. Hubby bought me ring and matching earrings consisting of white and blue diamonds. Had valued when I got home and all good. Last night I went to get them from my jewelry box as it was my daughters prom but they weren't there. I've ripped the house apart but can't find them. I rang my insurance company and they've accepted the claim and I've been told I'll be contacted by LMG to discuss my options. The ring and earrings were handmade to what I wanted. They've said LMG will try there best to replicate them and if not I can have a voucher for a jewelry store. I don't want earrings from a shop. I want mine replicated so I feel as though I never lost them but worried this can't be done. The earrings were valued at £1495 8 years ago. Do I have any other options?
  7. Hoping someone can give me some advice here but it seems to be quite a unique situation, with a solicitor even shrugging her shoulders and saying she'd rather not get involved due to lack of experience.. . Apologies in advance for the long post but it is quite complex! My aunt passed away recently leaving me, my brother, and my sister as administrators. She owned a house as "Joint Tenants" with her ex husband. Upon their divorce in 2011, a consent order was made whereby the house was to be sold and the net profits split 60/40 in her ex husbands favour, with the actual sale of the house to be conducted by him and his solicitors. For whatever reason, the house was never sold and, frustratingly, the title deeds were never amended to show a "Tenants in Common" situation. There is also a joint mortgage outstanding, with 6 years remaining before its cleared. Now, neither he nor his solicitor are disputing the sale of the house or the split of the net proceeds, but he's not being forthcoming with the outstanding balance and whether or not there is any kind of life assurance policy included in the mortgage. I've approached the mortgage company but, as anticipated, they won't discuss the account with me as there is a surviving account holder. I need this info in order to apply for a grant of probate. I'll deal with that issue somehow in time, but my real concern is just how powerful this consent order is. If I officially notify the mortgage company of my aunts passing I'm assuming they'll remove her name from the mortgage and possibly start the process of getting the title deeds amended to show a "Sole Tenancy". Will either of these actions negatively impact the estates claim on the property or over-rule the consent order? Or does the presence of an unfulfilled consent order usurp all else? I don't want to go ahead and notify the bank if it eventually knackers our claim to the property - I can't imagine her creditors being all too pleased if it's the executors fault there's no money for them! The solicitor was less than helpful now I really am stuck and would appreciate some advice if anyone is legally minded or experienced in such matters! It would be ideal if we could change the deeds to reflect the "Tenants in Common" ownership status but, from what I've read, that's simply not possible now one of the joint tenants has died. Can anyone confirm that? If anyone can make sense of this, well done and I'd appreciate any helpful responses.
  8. Hi, I'm just hoping for a bit of advice. I live on a small unadopted lane, which has houses at both sides and a rectangle of common land in the middle with room for a few parked cars and to turn your car around (it isn't a through road). Recently one of our neighbours decided to 'extend' their drive onto the common land (not sure why), which wasn't really a problem even though I don't think they have the right to do this, but they've now taken to placing rocks across the entrance to this drive, making even harder for us to turn our cars around. I'm fuming, but I'm loathe to say something, but I'm sure this must be illegal? If someone damaged their car whilst trying to turn it round, would our neighbours be liable as they're the ones who have placed the obstruction there? I know there is a lot to be said for looking where you are going, fortunately I know they're there, but the lane is very dark at night as there's only a couple of street lights. Being an unadopted road means I can't really involve the council. Any advice much appreciated Thanks
  9. Moving to your own place? If you’re renting for the first time follow Shelter’s top tips to avoid the common pitfalls. http://england.shelter.org.uk/get_advice/young_people_leaving_home_and_finding_a_place/young_people_dealing_with_housing_problems/top_tips_for_first_time_renters?utm_source=outbrain&utm_medium=cpc&utm_content=first_time_renters_h3&utm_campaign=february_advice
  10. Hello folks i thought i would tell my tale and i will keep updating and hopefully someone else may find my fight with the DWP useful. I have been waiting ages to get an operation on my knee. It really affects my day to day movements. So i was getting JSA up until the 28th Nov 13. My doctor then signed me off and wrote to the orthopaedic dept regarding getting surgery. These are the letters i then received. 18th Dec 13 i got the x-rays done. Surgery is needed. 19th Dec 13 told im on the waiting list. 6th Jan pre op assessment for the 29th Jan and operation on the 21st Feb 15th Jan letter from ATOS to attend medical 31st Jan . I phoned them and said it was pointless having a medical when im getting an operation 3 weeks later. Nothing we can do they said phone your benefit office. 21st Jan phoned the benefit office explained about my hospital appointments and operation. I was told to send copies of all my hossie letters and he would put on file that was my reason for not going to the medical. 22nd Jan sent copies of all letters to the benefit office. 22nd Jan letter from ATOS my medical was rescheduled for the 24th Jan . Phoned again explaining hossie and operation. Nowt we can do phone your benefit office. 27th Jan phoned benefits office explained again about hospital and informed them all letters were sent. 2nd Feb letter from DWP asking about my non show at the medical on the 31st Jan. Sent form back explaining about hospital again and told them all letters from the hossie were sent to them. 10th Feb letter from DWP ESA stopped because a decision maker said my reasons for not going to the medical on the 31st Jan were not good enough. Now this is meant to be the new efficient system. I am at a loss as to why i was to attend a medical when 3 weeks later im getting surgery on my knee. I have been taken of ESA because i missed a medical on the 31st Jan. That would be the medical that got rescheduled to the 24th Jan then. If i followed the way the DWP worked i would be having a new JSA claim from 1st Feb only until the 21st Feb when i would need to close the JSA claim and open a new ESA claim. This is to me madness and a waste of everyones time and money. I have written to my MP and i am awaiting a call from my benefits office today. In the meantime i now have no income and as my ops next week who would employ me? I shall keep yous posted. Cheers
  11. I want tips for getting jobs, rather than just not being sanctioned. Th WP Advisors are not much help, more of a hindrance. Mistake: this should have gone in the Employment Forum. Bad night's sleep problems.
  12. Hi everyone, I have a Samsung Galaxy S3 on contract with orange, still under manufacturer warranty. The problem that i have is a very common one when searching google called the Sudden Death Syndrome, one day the phone was working fine and then go to use it again....ITS DEAD. I get in contact with Orange and they organised for me to send the phone to the Samsung Repair centre (SBE Ltd), i waited circa 2 weeks and received the phone back with the report of the problem being "Water Ingress", they blamed this on numerous reasons such as: 1. Dropping the phone into water or a puddle 2. Spilling liquid on the phone 3. Rain, fog or mist!! 4. Steam (e.g. Leaving the phone on the kitchen counter whilst cooking) 5. Condensation (e.g. Leaving the phone in a vehicle overnight) 6. Body perspiration (e.g. keeping your phone on you when exercising) Now, from my point of view points 4 to 6 are what people do with their phones in every day use! An example, what if i were cooking and using the recipe application - does this mean i can't do that? or perhaps wanting to go down the gym? I know i have never spilt any water in the phone directly, their are plently of stories gonig round about Samsung putting the blame on the customers to cover their faults. I'll really appreciate you guys help on this because i need this phone for business. Many thanks, Layla
  13. We are currently looking at replacing our lead supply pipe since all of our floors are up at the moment anyway. From what we can tell, we share a lead supply pipe with 3 other properties (terraced) something like this: x----1-----2-----3----4 Where x is the stopcock and we are property number 3. Neighbor number 4's supply pipe splits off from our property under our living room floor; we think a similar thing happens for properties 1&2 as our supply pipe seems to head off outside as apposed to neighbor number 2's house. Neighbor number four also wishes to replace her lead supply pipe. Ideally we both wish to have our own supply pipe as water pressure is naff, especially when everybody is fighting for water in the mornings! Does anybody have any experience with Yorkshire Water in terms of getting off lead piping and getting a separate supply at the same time? I know they have a scheme where they will replace the lead upto the property boundary if you replace the stuff on your property boundary (that's fine, we're both prepared to dig a trench and lay 25mm MDPE etc). With this being that case, are Yorkshire Water likely to impose additional fees to give us both a separate supply?
  14. We all carry debit cards, credit cards and mobile phones, and most of these items require a four digit pin to unlock them. Shockingly, it appears that one in every 10 people uses the same pin – 1234. Theoretically, there are 10,000 possible four-digit combinations the numbers 0 to 9 can be arranged into, and if everyone selected a number entirely at random that would offer a reasonable level of protection. People, however, seem to exhibit a staggering lack of imagination and select very predictable numbers. This is probably because people choose numbers that are easy to remember, but this unoriginality leaves them vulnerable. Recently, I performed detailed analysis on 3.4m four-digit pins that had been exposed online: you can see the full details of the research here. The table below shows the top 20 pin numbers in use. 1234 accounts for 10.7% of all pins, followed by 1111 and 0000. Just these three combinations account for 18.6% of pins and the most common 20 combinations are responsible for more than a quarter of all pins in use. Statistically, to get a third of all pins you'd need to try just 61 combinations, and to guess half would require only 426 distinct combinations. The most common numbers are repeating patterns, couplets and straights, but also high on the frequency charts are years (all the 19xx numbers occur in the top 20% of all pin numbers), as well as significant dates (1984 and 2001, for example) and popular culture references: in homage to James Bond, 0070 and 0007 also appear very high in the charts. Also significant are keyboard patterns, such as 2580, which is a "straight-shot" down the middle of a keypad, and "across the corners" combinations are similarly popular. What appear to be birthdays or anniversaries are present in the dataset in both the European format (DDMM) and American format (MMDD), and this is a another security pit as these are easy for a potential thief to obtain. In America, a driver's licence, which everyone carries in their wallet with their ATM card, contains birthday information providing a thief with both the lock and key in the same location. If you have difficulty remembering a pin and elect to use a birth date, at least use that of your spouse. At the other end of the scale, the least frequently used number I found in my dataset was 8068. Out of all the combinations of numbers this appeared to be the least interesting. It's not a date in history, it's not a pattern, it's not a birthday, it's not easy to type. It's the perfect pin … or it would have been until now. If your pin appears in the top 20 I suggest you go and find your own uninteresting number. http://www.guardian.co.uk/money/blog/2012/sep/28/debit-cards-currentaccounts
  15. CAP review post 2013. Is it a radical shake up or just more of the same?? Well, it looks like more of the same, but with some difficult changes for UK farmers. Read the review here from Smiths-Gore. http://www.smithsgore.co.uk/assets/x/2695023 with thanks to SG Landscope
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