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  1. Firstly a bit of background. I have a secured loan with blemain finance (we all make mistakes:-x) It was taken out in may 2007 and is for £10K also it is cca regulated. They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me an
  2. Hazard perception test now features more weather conditions READ MORE HERE: https://www.gov.uk/government/news/hazard-perception-test-now-features-more-weather-conditions
  3. I've decided to post this in the Homelessness section, despite there being several issues at once and I need your advice, but mods, feel free to move this to a different section if necessary. My situation: - Just about to become 50 - Have lived in a terrible and dodgy guest house for 2.5 years. It wasn't dodgy and terrible when I went there - When I went there I had a job and a single room. Now I've been on the dole for some time (on and off) and I am forced to share a room with other people. - New people and new staff have come through the years and they have brought... how ca
  4. Did not pay NI conts in 14/15 and 15/16 as I was below lower earnings limit. I am now unable to work due to a health condition. If I opt to pay the contributions for both these tax years is it likely I will then satisfy both of the contribution conditions for an award (I know I am not entitled to income based as my partner works). The second condition is really confusing me!!! The guidance online says:- You qualify for contributory Employment and Support Allowance (ESA) if you have paid sufficient National Insurance contributions. There are two contribution cond
  5. Have just received a letter from the Management Company restricting the type of vehicles allowed to park within the residential development. - they are trying to ban large vehicles, specially stating "no commercial vehicles, vans trucks, campervans, motorhomes, minibuses and caravans, unless authorised. The justification given is limited car parking and blocking sunlight to flats adjacent to roads. As a considerate resident, I park my small campervan, based on a Peugeot Boxer away from any flats so as not to block their light. The footprint of the vehicle is no bigger than a large c
  6. Posted on behalf of a family friend who is employed as a wagon driver and normally receives a monthly bonus of £500 which is due this Friday. He has been handed a letter today which he was told he had to sign to continue receiving the bonus. The letter contains conditions which he feels are unreasonable and he feels are an attempt to avoid having to pay the bonus. These conditions include: The vehicle must be in immaculate condition inside and out at all times. (The role includes delivering blocks and concrete to building sites.) Your attendance during the month must be 100
  7. I paid them for a couple months via Monthly Standing Orders which i set up, this was after the Debt Management Company I used folded, I then stopped paying all of them recently ... I have just received a true copy of my original CCA from Halifax, back dating to 2001, so will now need to sort a repayment offer with them They are the only 1 from 5 to provide thus far, so tbh i still had a great result This is very true, i assumed info from a company like StepChange would be best i would get, not a mention or suggestion of doing CCA's came from the
  8. Can anyone PLEASE offer me any advice on how he can apply descriptors to conditions? We have absolutely no idea how to apply these things? Can someone point us in the right direction? We really need some idea of how to link his condition specifically to the questions they ask you? Any info would be greatly appreciated.
  9. Hi I've worked for the same company for 15 years as an office manager. There are 6 girls employed by the company in head office 4 office workers, 1 worker and 1 shop worker. We have always done the following Cuppa first thing in morning then more throughout the day, taking it in turns to make it. The smokers go out once an hour for a ciggie. We have a half hour for lunch. I agree that these are quite excessive however, it's been done forever. Now the boss has decided that we will have 3 cuppas at 10, 12 and 3 and the girls can smoke at the same time. (Fa
  10. Hi, Hopefully you can help or give advice on what to do regards talkmobile and their total lack of understanding regards the issue I have at the moment. I have chatted online to them and was told they had escalated the matter and I should expect a call with 48 hours. After 2 weeks of no reply I rang them, The gentleman on the phone was firm and I was not put onto his supervisor/manager to discuss the matter. They stated they do not offer an sort of payment plan and the sum needed paying straight away or the phone will be cut off, it has already been cut off for sending texts or ringing peop
  11. Hello, I have a very quick question I was hoping someone could answer please. I have a Tomlin order which dictated I must pay monthly installments towards a debt by the 1st Day of each month. My job has changed and my payday has changed with it. I have altered my standing order for this payment and money will be transfered instantly on the 1st or the next working day. Let's assume the 1st falls on a SAT, then Monday is a bank hol. This means they won't receive payment until 4th day of the month. Is this ok for a Tomlin Order arrangement? As it is the next working day
  12. http://www.dailymail.co.uk/news/article-3557310/Inside-secretive-Chinese-iPhone-factory.html I find the factory conditions mentioned in the above link disturbing. I am sure these workers are glad to earn money, but i suspect that they don't get paid enough. No wonder American workers can't compete.
  13. Which? don’t think that you should have to read endless pages of baffling legal jargon just to make sure there are no unwelcome surprises in a contract. Earlier this year Which? launched a campaign to simplify terms and conditions. The Government has now announced that it has started a review of complicated terms and conditions, including a call for evidence. The Government hopes to reduce the risk of ‘nasty surprises’ hidden in opaque or lengthy T&Cs. This could involve fining businesses that don’t comply with consumer protection rules. http://press.which.co.uk/whi
  14. HI All I signed up to a boot camp, stayed for over a year then went through the cancellation process, which stated notify in writing and send back wrist band. No notification of a fee extra. I advised them due to health that i was cancelling, would send back the wrist bank, and i have just paid a full month so that was ok. They sent me a note back say they cannot accept my email as cancellation i would have to go online to their form and fill it in. Ok so got on there and filled in the form, then saw it wanted me to accept new terms and conditions on cancella
  15. Hi all I am in the support group for ESA and also receive PIP, I have several conditions/illness related problems that prevent me from working. I have developed two new problems, the first being postherpetic neuralgia, a neuropathic pain after having developed Shingles. The second problem is I am now having to take medication for High Blood Pressure. I am not sure if I need to report these to the DWP or not, any advice as to whether I should would be most welcomed. Regards
  16. I have had an ongoing claim with Jet2 for compensation following a fight delay in Feb 2011. There are six family members in the group, my wife and I, and four children under 16. I am the lead passenger and paid for the flights and the booking was made using my Jet2 account. It was a technical fault and they have been using the “unexpected circumstances” excuse since 2011, and most recently said they were waiting the outcome of their appeal to the Supreme Court which they said would affect the outcome of my claim. When the Supreme Court refused permission for them to appeal, I wrote again
  17. Hi I purchased a washing machine in Dec 2012 and paid for a premier insurance so if my washing machine could not be fixed in 7 days I'd get a new one. On the 10th July I called as my machine was not emptying or spinning. It came up with an error18 which meant a blockage somewhere in the machine. I had to wait 4 days for an engineer. He came, replaced a part and left. My machine worked for 2 loads then the same error appeared the next day. I called and they couldn't get an engineer for another 5 days. They said if it needed a part then they'd order one. I mentioned my polic
  18. DWP site has been revamped and the A to Z of medical conditions has a new link which is below: A-Z of medical conditions - DWP This is a very good informative site http://www.dwp.gov.uk/publications/s...al-conditions/ Once on this page use the A-Z to find your condition then look to right of page and click the link once there look to left of page and you will see a heading called CARE AND MOBILITY CONSIDERATIONS click that and it will give you an idea of what you can expect to get according to the variation of you condition. Is also a very good resource of inform
  19. Or as they advised.... "changes to our small print". Have just received a letter from Npower advising they have made changes to their terms and conditions. Which apparently came into effect on 22 June 2015. Should they not have advised their customers that they WERE making changes before hand ?
  20. I've an ongoing saga with CABOT regarding an OPUS card which they say was my CITI card. Shouldn't I have had some notification of some sort from CITI when this change occurred? I've been waiting years for a CCA for my CITI card, but none has been forthcoming.
  21. We are fighting a case with the council for breaching the terms of the tenancy . This tenancy is a secure tenancy from 1985. They are presenting the court with conditions from 2014 trying to say they are true tenancy . Can they do this or can I get the case thrown out as they are relying on this for their case . I am in court tomorrow without any legal help only advice. thanks in advance
  22. Hi all, Just looking for some advice on a dispute I have with an online retailer. To give some background, I placed an order way back in April and paid for it then and picked it up towards the end of August. On their website it stated that "If you are in any way unhappy with your purchase, please notify us within 7 days of receipt. We will issue a full refund of the purchase price once the item has been safely returned to us". When I picked it up, all the individual goods (25 quantity) were wrapped up and box sealed and it was closing time of t
  23. Hello everyone, I wonder if anyone has any advice. I have been offered a contract with a client via an agency. The agency terms and conditions are very heavily weighted in their direction. The specific term that I wish to have removed is that they or the client can cancel the contract without any notice and not owe me any money. The client can cancel without any notice period and the agency will not owe me any money. The client can claim my work is not suitable and cancel without any notice and give no evidence as to why the work is unsatisfactory. I am a Ltd business but it's just me
  24. hi just had front rooms of my house passed to a1. as i live in the town center and there are plenty of shops,small village with about 30 shops parish council being a real pain and have had the below restrictions imposed which seem ridiculous as there are other shops selling the same as each other why should i be so restricted any help pleas Following your visit to County Hall earlier today, I have checked further into the outcome of the Committee Meeting yesterday and an additional condition was imposed by Members to be included within the Notice of Decision. The additio
  25. Hi all. I took out a world wide annual travel insurance policy with xxxxxx insurance. Since taking out the policy I have been diagnosed with a condition that they would not ordinarily cover. I can't really make much sense od their rules and regs. Am I likely to be fully covered as I had no idea I had the condition before I took out the policy or is it like car insurance where if circumstances change you must tell them? Cheers.
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