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Found 22 results

  1. Hello, I employed a builder to do a loft conversion, and renovate my house which I had just bought. He quoted £72,000 to do the work including all electrics, plumbing, plastering etc. The quote was itemised and he visited the property twice and priced up materials etc before emailing it to me. He said that the work would be completed by the end of last summer. He requested an initial payment for materials into his wife's bank account quite a while before any work was done. When he started he told me that he didn't have a lot of money and that I would need to give him money for materials which he would not make any profit on, and he generally showed me receipts. He also asked for 'wages' for himself on a daily rate of £180. I'm a single woman and I realise now after googling that I should have had a proper contract in place and made stage payments; I know now that he took advantage of me for being trusting. I was renting alternative accommodation in another town as the property wasn't liveable. I would pop down once or twice a week or so to see how it was going and progress was slow. Sometimes there would be no-one there at all and most often when I arrived they would be in the kitchen drinking tea. He had decorators, plasterers, electricians and plumbers come in, who he knew and had arranged. He had me pay their invoices. He had initially one labourer working with him, but that escalated to three labourers - he was invoicing me for all of them at a daily rate. The work dragged on past the end of the summer for no reason. The builder told me that he had been diagnosed with leukaemia and I felt sorry for him, but now realise this was probably a lie. I was finally able to move in in November, The main house being finished. The builder seemed reticent to move on the the conversion of an attached brick outbuilding and seemed to be finding odd jobs to do around the house. He asked if I could do a favour and pay his building subcontractors directly as this would mean they would need to pay their own National Insurance instead of him. I made a couple of payments to them in November- the daily rate for the builder and 3 labourers was £500. I also gave the builder £7500 in cash for the roof, which he gave me a receipt for, but he has kept the money and not given it to the roofer as intended. When I started the renovation I had the money needed from the sale of my previous house plus another £20,000. That had all gone and I took out the maximum loan I could from my bank of £25,000. The work continued throughout December when I was away on holiday. I came home after Christmas and it still wasn't completed. I did a spreadsheet and found that I had paid through bank transfer to the builder and various of his contractors £105,000. I also had unpaid invoices from him, his building subcontractors and further other contractors of £12,000. There had not been any extra work requested on top of the original quote, I had chosen the cheapest option wherever I could and the work on the original quote is still not finished. I told the builder that there was a problem with the overcharging and not to return to site until it had been resolved. I asked for a list of his extras and he quoted putting up a shelf in the pantry and other trivial things which in no way add up to the total. The biggest overcharging has been in payments to the builder and his 3 subcontractors - £60,000, the vast majority of which is for labour. This does not include the £7500 for the roof. My house is not huge, it is ex local authority 3 bedroom, outside of London. I refused to make any more payments and had the subcontractors texting, calling round at my house and demanding payments. One morning I found concrete poured on my car, and when I got home that night the front and back door locks have been superglued so I had to call an emergency locksmith. I reported this to the police and bought security cameras. I paid to have letters sent the builder by a building disputes company explaining that he had overcharged me and needed to pay me back the money. Also letters to the contractors stating that any payments they had received from me were made in error because the builder had told me to and that they should get payment from the builder and reimburse me with the money already paid. In return I got seven identical letters back from the builder's solicitor, one for each contractor saying that he was looking into it. That was two weeks ago. I would appreciate any advice please - I am a woman on my own who is finding it hard to get advice which doesn't cost a lot of money. I don't have much funds left and need to get the work finished. The cost of a solicitor is very off putting and I worry that if I take that route I could end up owing more money. I am also a little concerned that the six subcontractors might try to sue me for their outstanding invoiced which are each in the £1000-£2000 range. There are also some issues with the work which has been done - the brickwork for example is shocking and needs re-doing. I have tried calling CAB who referred me to Trading Standards, I called Trading Standards but they said that they would only help businesses in my county and not individuals. The builder is a sole trader and he co-owns his house with his wife.
  2. My Son agreed to do some work for a customer to install and improve their bathroom. The customer agreed to pay half of the fitting charge then the rest on completion. Customer paid for all materials and ordered her own bathroom furniture. Prior to her ordering this my son made her aware that in order to install a shower into the available space she would have to have a sliding door on the shower cubicle. We got to the last day of fitting and noticed she has bought a hinged shower door which will not fit. I offered to complete the work on Friday and messaged her to arrange this and requested that she guarantee to pay the remainder of fitting charge on completion the same day. She messaged back saying she would NOT guarantee this as she felt there was a lot to finish. She then sent me an email quoting Consumer Regulations (2013) stating that I am obliged to provide pre-contract information and a cooling off period of 14 days. She states that she is now choosing to invoke this and has 1 year and 14 days. We had a verbal contract and she has now stated she wishes to cancel my services and I am not to return to their property. I have completed 95% of this work and I am owed £860.25 for this. Customer has stated that they will get another independent tradesman to value the work done to date and will pay what they tell her or request a refund - in reasonable time. This has left me unable to pay sub contractor for electricity work and myself unable to pay my own bills etc. Can anyone give me advice on my next step? By the way the customer was over the moon with the work done to date, however, her Father turned up at the property 2 days ago and told me to go off home. I picked up my tools and left saying I would speak to my customer to arrange to finish the work.
  3. I've come to the end of my year's car insurance, I've moved elsewhere and cancelled the direct debit. Swinton have served me with a default notice. I'm just wondering what everyone's views were as to the legalities of such a move - afterall, I'm not in breach of any payments. Weird.
  4. I signed on just this past Tuesday and today I checked my bank account and find that my JSA payment has not been issued. I am wondering as to why my work coach did not tell me at the time I signed on, as, surely there must have been some information on the system to say that it had been stopped ??? And why did he allow me to sign on if that is the case ???
  5. I received a Penalty Notice from a small local authority, not a council however still a government based authority. I'm reluctant to name them at this stage. The ticket states a penalty payment of £50 is now due reduced to £20 if paid within 5 days. I have chosen to pay the £20 at this stage and fight the charge after without the risk of it being increased. Probably not what most of you would recommend but its not the money for me, its the principle. The ticket has not been filled in correctly. It just states the date, time, vehicle etc. The ticket has a tick box for a choice of several car parks and also for several reasons of issuing the ticket. None of these have been completed. The ticket also has no appeals process stated on the ticket, although the address and phone number are on the ticket. I had purchased a valid ticket which included my vehicle reg number so there is no doubt that a ticket had been purchased. The issue is the ticket was a lightweight paper till roll type ticket that must have blown off the dash as I closed the door, it was a windy day. I have read of appeals still going against people with a ticket not being displayed correctly hence my just paying the £20, however if the ticket has not been completed correctly or there if there is no appeals process then surely they must be in breach of the Traffic Management Act ? Would appreciate any comments. My intention is to hopefully recover the £20 and ensure they change their ways....
  6. Hello, Sorry, I really tried to keep the description as short as possible: On 03/03/2016 we called some conservatory companies in Devon and finally made appointments with two of them for the next day for a viewing. In the afternoon we sent them a floor plan with detailed measurements and other information about what exactly we wanted. BTW We had even searched the web for reviews about the companies and found nothing negative - just one positive review. On 04/03 an employee of the first company arrived in good time, and we noticed he had the document (which we had emailed the day before) printed out and ready for discussion! Because the negotiated price was acceptable (£8,060), and because he confirmed that they could complete the conservatory within a month, we decided to enter into a contract immediately. In the contract was stated: "Installation date: 18/03/16, 09.00" As advance payment 1/4 = £2,015 had been agreed: On 04/03 we paid £2,015 by bank transfer. On the same day another employee arrived to carry out a survey (as specified in the contract). He examined the house, took measurements and discussed with us and wrote down the exact positions for the doors, opening windows, roof connection etc.. We mentioned that we had already paid the advance, and he said the required parts would be ordered IMMEDIATELY! 17/03: Since we hadn't heard anything from the company, we sent an email and asked if they had received our advance payment and also asked them to confirm that the works would start on the next day as provided in the contract. No answer. On 18/03 we waited at home the whole morning, but in vain. No one came. No information. We called them after lunch: the secretary said she would talk to the builder responsible for the groundworks. On the same day we were informed that the builder would begin on 22/03, 9.00am. On 22/03 no one came, but the builder called us to tell us he would come one day later, 23/03, 1.00pm. On 23/03 he came, examined the ground, and asked us additional questions regarding the groundworks. Since it is a hillside situation, he recommended insistently to build an additional retaining wall (the rain would wash the garden down to the conservatory), cost around £2,000 (making it much more expensive than other offers we had received before signing the contract with this company). He seemed to be a skilled and competent builder, and to avoid further delays, we agreed in principle and asked to calculate the exact additional costs and inform us asap. We asked when the groundworks will begin finally, but he could not give us a concrete date. On 24/03 we sent another email to the company to declare in writing what had happened so far. We wrote that because early installation was VERY IMPORTANT to us, we were happy that they could offer us that early installation date (18/03). This was the MAIN REASON we decided in favour of their company, cancelled another appointment we had later on 04/03, signed the contract, and immediately paid the advance - just to avoid any delay. We asked them to inform us immediately in writing about when the works would begin and what exactly the extra costs for the additional work (retaining wall) would be. 29/03: Since they hadn't answered, we sent another email in the morning. We reminded them that during our initial discussion on 04/03, before signing the contract, it had been confirmed that the project could be carried out within a month, so we already made plans for the time after the installation. We stated again, that we really needed the additional space, provided by the conservatory, as soon as possible. 30/03: Since there was no reply, we sent another email, stating that it's urgent. Then the secretary called us and said she would send us an email regarding the starting date. 01/04: Again, nothing happened. We sent another email: we asked what had happened in the meantime and why there were further delays. We reminded them that we were waiting for 9 days now to get an answer regarding the costs for the additional works. 06/04: After many many attempt we finally got the manager on the phone. He told us that the groundworks will be carried out "next week". We were very relieved about that. He said he would call us back to tell us the exact date. He didn't. 07/04: We sent another email in the evening: We wrote that we tried to call him several times during the day, but in vain. Furthermore we reminded him, that we would also need to know what would be the costs*for the additional works. 08/04: The secretary called and informed us that a skip will be delivered on 13/04. We asked again, if they would already know what the additional costs would be. She just answered "not much". On 13/04, as announced, a ridiculously small skip arrived, and one worker, without any machines, dug out some earth and moved it into the skip. A day went by, but this method was not suitable to make progress. On 14/04 the employee who visited us on 04/03 for signing the contract came again to let us sign an additional contract about £2,000 for the extra works, and we were asked to pay this in advance, because more work needs to be done, so they would need more money in advance for material and the builder: On 14/04 we paid £2,000 by bank transfer. On the same day or a few days later, a larger skip had been delivered, the required machines and an excavator arrived, and intense working finally began. Great! (we thought) On 28/04 a lot of work had already been accomplished, The manager visited us and tried to persuade us to accept that the project would cost another £1,600 (!!) more. He admitted it had taken a bit (!) longer, but he had selected "quality workers" in order to get the job done as good as possible. (Later it turned out that this builder and his men had been commissioned by him for the first time - he never knew them before!) We reminded him that we have a contract plus the additional costs of the second contract, and that we can't pay more than was agreed in these two contracts (all together £10,160). He accepted our objection, but asked us politely to pay another £2,000 in advance + £100 which we had agreed with the builder for a minor modification of the retaining wall, so that he could speed up the remaining works: On 28/04 we paid £2,100 by bank transfer. Until 05/05 (with some interruptions of several days) the builder had completed the groundworks and brickwalls, however there is still some work left for him to do, which he can't do before the other conservatory parts will be built up. That is the reason why material, some debris and the last skip (which has already ruined the lawn in front of the house in the meantime) had been left here at the construction site. (BTW: It turned out that the ground is solid ROCK, so the wall wouldn't have been required - according to horticultural advice it could also have been fixed with cheap retaining wire netting!) On 06/05 the manager called us and asked us to pay another £2,000. He said he had to pay bills for many skips, pay the builder and buy further material. Again, he said this would speed up the completion. Because it was already more than a month after the expected completion date, and we really wanted this project to be finished as soon as possible, we accepted his request: On 06/05 we paid £2,000 by bank transfer. On 09/05 the employee who took measurements on 04/03 came once again for more detailed measurements.
On the same day we sent an email and asked if the works would continue the next day. No answer. On 11/05 we tried to reach someone of the company on their various phone numbers. We could only reach the employee who visited us for signing the contracts. We asked him when the works would continue. He said in about a week.
Later we could also reach the manager via phone, and he claimed that the groundwork would require 2 weeks to stabilise! According to this we would have to wait until 23/05. (Later the builder confirmed that this isn't true at all!) On 23/05, we stayed at home and waited for the work to continue - again, in vain. We tried to reach the manager via phone, but in vain. Again, we could only reach the employee who visited us for signing the contracts. He assured he would contact the manager and call us back. He never did. On 24/05, again, we stayed at home and waited - again, in vain. We tried to reach anyone by phone. Since no one answered, we sent another email. No answer. On 25/05 we could reach the employee who took measurements. He informed the manager who finally let his secretary call us back. She said, the problem would be that the "roof takes longer to arrive"; estimated day of arrival: 31/05. On 26/05 the builder visited us privately on his own initiative and informed us that he hadn't received any money from the manager, though it was him who did all the work until 05/05. He warned us NOT TO PAY any more money in advance (what we hadn't done anyway). He said, the remaining work could be done within three days. It would NOT have been required to wait to let the groundwork stabilise! For many days we tried to contact the manager, but we had only been cajoled and put off by a new, young employee whom we had never known before. On 07/06 we reached the manager by phone! He said he would call us back soon or confirm via email to guarantee that the works will be completed from 14/06. On 08/06 in the morning he called and offered to complete the conservatory from 21/06 (about another two weeks later!).
Since we still wanted to get the earlier date (14/06), we sent another email reminding him what he had said the day before. We also tried to call him again, but there was just his answering machine! We sent another email in the late evening and asked for a confirmation for 14//06 again. On 09/06 we could reach him by phone in the morning. What he had suggested, he had also confirmed by email in the morning:
"Further to our telephone conversation this morning, I have been speaking to our manufacturers about a possible earlier delivery for your conservatory roof. As I explained in the telephone conversation, they will need a payment upfront to prioritise the roof which could lead to a delivery to us on the 13/06. We will need to payment of £1500 for the roof to get this prioritised and allow us to complete the conservatory sooner. I also would like to confirm that I have offered you a discount [£500] on the total left outstanding which I have taken off the contract."
We answered via email, that we had believed him that the 3 additional payments he had already asked for (£2,000 + £2,100 + £2,000) would speed up the conservatory works, and we had always paid! Nevertheless the project had been delayed by months, which caused many serious problems and financial loss for our family. At this point we couldn't take an additional financial risk. We suggested to arrange the delivery of the roof (direct to us) and the payment direct with the manufacturer. We wrote we would also pay the rest (£2,045 minus price of roof) after completion and that we won't make use of the offered £500 discount.
When we came back home we noticed that the manager had tried to call us back (caller ID), but he hadn't left a message. We sent him another email, that we had noticed that he wanted to call us, and that we wouldn't want further phone calls, but a WRITTEN answer in this case.
We waited the rest of the day for his reply, but again in vain. We sent another friendly email later in the evening and asked him to answer. On 10/06 we waited until the evening and then wrote another email:
Because he hadn't replied to our suggestion regarding the payment of the roof, we decided to accept his previous offer (which he made via phone on 08/06) to complete the conservatory from 21/06. Because in this case a prioritised delivery of the roof*wouldn't be required, we would pay the remaining £2,045 after completion. We asked him to confirm this in writing until 14/06. He didn't reply. On 14/06 we sent him a "Reminder with fixing of a period of time" As time limit for completing the remaining works we allowed 2 MORE WEEKS, until 28/06 (included). We had sent this as emails and as RM Signed for letter. On 06/07 the letter came back (undeliverable and not collected from the PO). In the meantime we found two extremely negative reviews on Google about him - unfortunately posted after we had signed the initial contract. The other customers got their work done, but with immense delays, and without obtaining promised discounts. We know we made mistakes: We waited too long. We paid too much in advance. Nevertheless, what can we do to get this solved? Offer him a bit more money? (Sometimes paying a bit more is better than fighting longer.) Go to a solicitor? Trading standards? We really need a fast solution now. Our nerves are on edge... Many thanks!
  7. H i everyone and apologies if this is in the wrong section. Around June 2014 I completed an application to construct a single storey extension of (4.5 metres), extended the kitchen and making a shower room downstairs. The property also had a conservatory at the back but I was not sure if that was part of the original property so decided to complete the necessary forms and mentioned that the extension will start from the end of the kitchen and not from the end of the conservatory. Once everything was approved I had a building inspector come down to my property and it was he who advised that according to the house plans the conservatory is part of the original property so you can start the extension from the end of the conservatory. The extension has been completed, however not signed of by the building inspector as the shower room is not completed. Last week I had a letter from the planning enforcement officer and he said that your extension is 6.5 metre but we only allowed you to extend by 4.5 metre. I tried explaining that it was the building inspector that confirmed it was part of the original build. He wasn't having any of it and sent me a picture of the conservatory from 2014, which I guess was taken from the building inspector that came down. He said the colour of the bricks don't match so it's not part of the building. The building inspector that first visited us has left the council. He has given 2 options: either knock the building down by 2 metres or pay £385 for planning application but i think they are just trying to make money. I would really appreciate if someone can advise on what I should do
  8. I've recently completed payments for an agreed amount with a DCA on a debt that went to court and we decided upon a discounted payment schedule. The debt is finished as far as I am concerned but Im now wondering whether I can claim the historic PPI charges applied? If so, who do I apply to, is it the original lender or the DCA? If its the original lender is there any time limit issue because they haven't dealt with this for quite a few years.
  9. BBC Money box reported today that those who have completed an IVA and have received a completion certificate may encounter issues when applying for PPI reclaims. http://www.bbc.co.uk/programmes/b05pbwjt 16:19 onwards.
  10. BBC Money box reported today that those who have completed an IVA and have received a completion certificate may encounter issues when applying for PPI reclaims. http://www.bbc.co.uk/programmes/b05pbwjt 16:19 onwards.
  11. Hello everyone ! My landlord has not paid my deposit into a rent G'tee scheme . Can anyone provide a copy of a completed form 1 ( perhaps with dummy info ) to take to sheriff court ? I really don't have a clue how to fill it in Any help would be appreciated. Thanks
  12. Ive made a claim for ESA. Dis so begining of December 2013. I'm 22 weeks into claim (13 weeks of which is the assessment period ).....I've been told it'll take months to sort out my claim but not as long as a year I'm still on the lower rate. Everyone I see on forum sites talk about getting their appeal dates, I haven't got that far.....How long is this gonna take, anyone got any ideas???
  13. Hi Everybody, Certificate of Completion received March 2014 but dated 04/02/2014, a little bit annoyed as we agreed a full and final settlement figure in January 2013 (our final year) and paid the amount in full in February 2013. Which really annoyed me but one assumes goes with the territory??? would like some advice regarding cleaning up my credit record, have only applied to Equifax at the moment and have a couple of queries regarding a couple of entries, if one of you kindly moderators could point me in the right direction I would be extremely grateful. Kindest Regards
  14. word to the wise everyone my PPI letter was rejected by Lloyds as they stated that they didnt have any details about me (car loan with Black Horse from 1999). I did not have any bank statements from then, and Santander had told me in writing that they didnt have any either. However contacted Santander customer services (IN-BRANCH TELEPHONE - important) and they managed to locate the errant statements. (Important because this line of enquiry acually worked - use a telephone in-branch if you require statements) contacted Lloyds again who confirmed the account number on the statements was correct. They sent out a ppi claim form which was completed. Then rejected. I wrote back to them asking them to reconsider, and asking for a copy of the CCA. What was interesting was that the PPI box was pre-typed in with 'GOLD'. This was the age before online applications, and I argued that the PPI was not presented as an optional extra, but rather was not discussed before I visited the sales office. This is self-evident, and Lloyds know that they cannot prove that the PPI was discussed prior to me signing the CCA. Therefore they have agreed to refund the PPI plus interest. However, as a side note, the final amount is over £1300 short of what the PPI refund should be. Make sure you analyze any offer you receive.
  15. Hi all. I am new here but I have had a couple of things on my mind regarding my trust deed. I am desperate to get a mortgage so my family can move. Back in 2008 I got into serious money problems so decided to get a trust deed. This comes off my file in January 2015. My score with check my file is 404 currently which is one star. It does not seem to go up however. I have 3 credit cards to improve my score (had one 3 years now and paid off in full every month) another one 2 and a half years (paid off in full - balance started at 250 but now has been put to 2200 due to excellent repayment) and the last account I have held a year. I also took out a 1 year loan with a high street bank to help my file (1 month left to pay) My credit account states all accounts that are open are excellent (closed ones are all settled however are due to report until Sept / Aug next year? My question is what else can I do to help my score? I have made sure everything has been paid off in full now for the last 5 years. I have a good deposit saved as well. Lastly I have applied and been declined for a mortgage. Thanks in advance.
  16. So here we go folks. Ive been on the forum long enough to know that we don't condone debt avoidance but certainly help those who need it. Well its time for me to turn to you guys for more help. I appreciate that you guys are the best forum on the net for this sort of thing so here we go. My job Im in requires me to get SC clearance. Now I love my job and its the only thing holding me back is my credit history. Ive been very lucky in the past to avoid CCJs / Bankruptcy Proceedings due to some of the amounts, however i want to finally face up to the facts and hit it hard. Ive attached my current credit report of defaulted debts and I am going to hit these hard. I would like to £100 a month towards them all an take my time to clear them out. Now i know that for SC clearance they do a credit check and im worried about the level of debt i have. How could this affect my Chance at getting SC Clearance? [ATTACH]48351[/ATTACH]
  17. As always, hoping you can offer me some advice. Had an IVA from 2005-2010, completed it in full and never missed a payment. Got my certificate of completion at the end, all good. Since then I have had a few successful CC's, again never missed a payment, top credit score of 999. Took out a Barclays business account in 2011 as a sole trader, IVA posed no problem at all, never had a problem with any business account. Converted sole trader to Ltd company recently and applied to Natwest for business account and after waiting over a month for my account, they tell me that because I had an IVA, they want proof that I have completed it. It's so long since finishing it that I can't find my completion certificate. Got an appointment to see Barclays next week and mentioned the IVA, they too want proof that I have completed it. Nobody has brought up the IVA since I finished it, many have given me cards etc and my record if perfect. What is the point of me completing my IVA like a good boy when Natwest are going to be so prejudice? I know I could ask for another copy of my completion certificate, but I feel like I am being punished for something which is both private and also unfair as I have completed it 3 years ago. Where do people stand when they have completed their IVA's?
  18. Guys This is an addition to my "Become Debt Free" Process... Ive had a wonderful discussion via email with the Customer Relations Department who took 10 weeks to resolve the complaint but its worth it... I also would like to add the complaint has mostly been dealt with via Email but did a few calls to chase them up. To me... that is a total sorting of £3600!! Im down to 5K! Im getting there... About these 2 extra accounts... Im going to challenge them with Lowell... I really am channeled to get this done and when im debt free a large donation is going to be made!
  19. has any 1 got a photocopy of a completed (filled in) FOS questionaire so that i can copy from it,as i'm not to good at filling in forms and things.it would be a massive help if you have. thanks
  20. Hi all, This is my first post so apologies if this has already been asked. I've had a Virgin Credit card for 10 years and would like to claim back the PPI. As I don't have all my bank statements to work out the total PPI I've paid, I'd like to send off a SAR request but I'm not sure where to send it. Should I be sending it to Virgin or MBNA? Whichever one it is, does anyone know the address to send it to, or point me in the right direction where I can find it. Many thanks in advance, Dave
  21. We urgently need your help. We have limited time left to advance an Unlawful Eviction case to the ECHR. We need sample of completed application(s) made to the ECHR before in the past to give us an edge. With the new single judge system to review cases on the papers, it is only good that we have our work done as effectively as possible. Alternatively we are willing to pay for this task if the money is reasonable from someone with a heart of justice who has very good experience and made several applications to the ECHR before.
  22. Asking the question as to whether PPI is reclaimable on some credit card accounts that were part of an old and completely satisfied IVA. I am unsure exactly which accounts the PPI was added to although I have card details and account numbers and wondered how I might find out and if it is possible to reclaim any PPI in these circumstances
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