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  1. Hello everyone What an absolute brilliant forum this is - so much information and can also be a little overwhelming, well for me anyway. I have a question about SARs with Energy companies if I may, well I guess it applies to any SAR but mine is with an Energy company. Q- if i raise a SAR they have to give all the information they hold about me - this i understand. BUT does this include any discussion the company has with its legal people be they in house or an external 3rd party, where I am mentioned? Hoping for an easy to understand answer! Best BH
  2. Rogue pension and finance companies closed down after abusing millions of pounds READ MORE HERE: https://www.gov.uk/government/news/rogue-pension-and-finance-companies-closed-down-after-abusing-millions-of-pounds
  3. A new wall rendering and other exterior building works company FISHER RANDALL LTD is now trading. I sincerely hope that they are a good company and that customers who use their services get a good deal and that everyone benefits out of it. However, potential customers should realise that the director of this company is Micah Shaw who is the son of Harvill Shaw who has run a succession of wall rendering companies whose business model seems to have been to go into liquidation every two or three years leaving a lot of very unhappy customers behind with no redress. Harvill Shaw has been
  4. Ban fossil fuel companies from sponsoring, donating or having any involvement in schools and other activities that are aimed at or could influence children under 18. Why is this important? We all know that climate change is a real threat to everyone and everything on this planet, and that the fossil fuel industry is the biggest cause of pollution, the increase of greenhouse gases, and of creating global warming. The industry is responsible for poisoning our waterways, oceans, air, and land. Also, a lot of the chemicals the fossil fuel companies extract are used for making plastics.
  5. Debt management bosses banned after transferring half-a-million from own companies READ MORE HERE: https://www.gov.uk/government/news/debt-management-bosses-banned-after-transferring-half-a-million-from-own-companies
  6. 6 pension and finance companies placed in provisional liquidation READ MORE HERE: https://www.gov.uk/government/news/6-pension-and-finance-companies-placed-in-provisional-liquidation
  7. Hi, Is there a law where companies have to give you the option of storing credit/debit/bank account details on their systems? Some companies think if you buy from them once and create an account they want to store your details for use next time, however some companies give you an option like Tesco, Asda I usually decline, however I have a dispute with a company and they took the money without the dispute being resolved. I did not consent to them taking money. Thanks.
  8. Interesting article, but will it really make any difference: http://www.bbc.co.uk/news/uk-42849443 https://www.consumeractiongroup.co.uk/forum/showthread.php?484535-Rogue-parking-companies-face-government-crackdown
  9. I am a little puzzled - a month or so prior to Christmas and up until about now, Furniture companies have had 'end of stock' sales, 'Black Friday' and 'Black Friday week' Sales. Prior To Christmas they had 'mid season' sales, 'Bank Holiday' sales ... and now they are having "new stock introductory" sales ! When exactly does anyone actually pay the recommended retail price for these items ??
  10. I have had several payday loans in the past some of which I shouldn't have been given. Can you tell me how to start a claim and what the process is?
  11. Hi, this is one for people who really know their contract law, specifically the consumer credit act. This is the scenario: I have a builder do me an extension. Our contract states the work will cost £100k. In order to get s75 CCA protection, I get the builder to give me 4 invoices. Invoice 1- foundations, £25k (price shown on the contract) Invoice 2- Roof, £25k (price shown on the contract) Invoice 3- Walls, £25k (price shown on the contract) Invoice 4, decorations £25k (price shown on the contract). £100 was paid for each invoice using a credit card. The tr
  12. Hi I am not sure if i am in the right group. Basically I asked a PPI company to check if there was any PPI outstanding. They took my details and wrote to other companies. I have received an offer of £50 from a bank and the claim company has asked for their fee. My question is, if I am not happy with their service and want to take the bank to the financial Ombudsman, can I do that myself and just pay the PPI company their fee without any further involvment from them? Thanks for looking and reading and any help would be gratefully appreciated.
  13. eon are using LCS ( debt collector) to chase for Limited company debt, company no longer trading - Dissolved in February 2016 eon have changed the name on correspondence from "XXX Limited co" to ( Directors name T/A XXX ) i wrote back to LCS stating LTD company is separate legal entity - and that they cannot simply assign the debt to the previous director. I also asked for copy of any agreements, signed documents, copies of any bills etc as i believe the bills will have xxx ltd ( Not TA) Is this Practice legal - surely there is an illegal re-assignment attempt here -
  14. Did I read tha companies now must offer a email contact address? Some ruling by Ofcom or some similar body. if in the wrong forum please correct thanks
  15. A major crackdown on the abuse of county court judgments is announced today following a Daily Mail investigation. Ministers are pledging to block banks, debt firms and parking companies from sending court claims to old addresses. The move would halt the scandal that leaves thousands of families financially crippled because of debt judgements passed against them without them knowing, or having a chance to defend themselves. The pledge is made today by the Ministry of Justice as it launches a public consultation on the judgments, known as CCJs. It follows an investigation
  16. 1) My 'Actions for getting employment" doesn't stipulate a number of jobs to apply for per week (which is odd, when I claimed before I had to apply for 2). Obviously I don't want to display every single job I apply for (which would risk creating a baseline figure), but what is the minimum number that an Advisor needs to see in order to sanction me (for insufficient applications)? 2) They also included 'log into my UJM account daily' - I have NOT ticked the box that allows the DWP to view the jobs I've applied for, BUT can they still see how often I've logged in? Ta
  17. Hey there I was wondering about this for some time. If a debt is sold on to another company does that debt have to be paid? I am presently trying to claim back PPI from a loan I took out some years ago. The short story is that I bought a house and then purchased british gas boiler insurance on their initial visit they conned me into getting a new boiler installed. We could not afford to buy one they offered a loan but I was refused because I was medically retired due to an injury and my only income was a pension and benefits. The BG guy then tried ano
  18. I am hoping to purchase a new TV soon, looking online there are few companies like John Lewis and Richer Sounds offering a free 5 or 6 year guarantee instead of the standard manufacturers 12 month warranty. This seems to be to good to be true, what are the catches if any?
  19. There have been many questions about these companies and confusion amongst the many different 'Sher' companies and what they do so I thought I'd clarify the matter for those who keep asking. Shergroup Ltd Shergroup, which traded as Sherforce until recently, is the vehicle used by Claire Louise Sandbrook to undertake the execution of High Court writs in her capacity as an authorised High Court Enforcement Officer. On 3rd May 2016 there was a First Gazette notice for compulsory strike-off, the second one since they had the same on 29th May 2012. This is due to failure to submit
  20. I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and
  21. It is now being reported that Mitsubishi offices have been raided, after the company admitted that some of its vehicle performance statistics produced were not true. This follows on from the VW scandal, the latest of which is that apparently VW might have to buy back vehicles sold in the US at a cost of approx. $7 billion. Can we presume that most vehicle performance stats produced by a company or on their behalf are unlikely to be true ? The stats are likely to be manipulated so they compare favourably with similar vehicles and have nothing to do with the performance drivers will exper
  22. Train companies are still failing to provide customers with accurate information about delay compensation, new research by the rail regulator has found. The research is in response to a super-complaint issued by Which? in December 2015 that highlighted how badly some train companies were letting down their passengers. The Office of Road and Rail (ORR) investigation has agreed with Which? that rail passengers are being doubly disadvantaged by train delays as the claims process for compensation is neither clear nor straightforward. One company even openly admitted that it’
  23. Budget 2016: FCA to regulate claims management companies The government has moved to make the Financial Conduct Authority (FCA) responsible for regulating claims management companies. Announced as part of today's Budget measures, the Treasury said it would introduce a ‘tougher’ regulatory regime for claims management firms. This followed a review of the claims management industry which recommended a cap on the amount such firms can charge. ‘The government is clamping down on the rogue claims management companies that provide bad service and bombard customers with nui
  24. Barry Beavis has just asked me to post up this petition for him. https://petition.parliament.uk/petitions/111925 Barry Beavis
  25. Hello, My ex hubby and I took out a loan in 2003 with Citi financial, it was never paid off due to running into difficulties. It is now been paid through the courts. After reading the paperwork from Reston solicitors we noticed we had paid ppi on the loan of £2373.53. I want to claim it back if possible but I have to much going on in my life to do it myself so want someone to recommend a company who don't charge the earth to claim it back for me. Thanks in advance, Debbie
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