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Found 124 results

  1. Hi, Apologies if this is in the wrong forum but wasn't sure where to post. Recently I attended Minevention - an event advertised as a convention for Minecraft lovers. Unfortunately we left after 15 mins due to there literally being nothing in the arena. It was a big event with about 4000 people showing up and there were some "popular" youtubers there. This was the only thing there really, plus a merchandise stall (which had counterfeit goods) and a sponsor stall and about 20 computers to play minecraft on. I think really it was missold - many people said if they had stated it was a 'meet and greet', they would have never have went. It turns out though, that many companies who said they would be at the event, bailed last minute, leaving a very empty arena. Lots of people have complained about the event and wanted refunds - quite a few people got them without question on the day, but many more (including myself) complained once we were home. Unfortunately the Organiser has since deleted all the negative feedback off their facebook page. They have finally responded to refund requests with offering tickets to their next convention, which most people are unhappy with - due to how poor the event was/travelling the distance to be let down again etc/feeling very ripped off. I personally wouldn't go to another one again. I am not too concerned about the money for myself - it was a lot of money to spend 15 minutes in an arena, then to walk out with a disappointed child, but I think I am more concerned with HOW MANY people were upset about the event. Some people travelled a long way for the event (fortunately we lived close by), even booking hotels, taking children for their birthday's - only to go to an arena with semi-popular youtubers, a few computers and queues and queues for food. I feel like something needs to be done for them (rather than myself). Some people have complained to BBC Watchdog but I am just wondering what could be done? As a collective could anything be done? Thank you for taking the time to read my post and I appreciate any suggestions/feedback.
  2. Hi everyone, Could a persistent failure to respond to two emails and a phone call be seen as a failure to act? Background Person A took a company B to Tribunal on age discrimination grounds Person A asked his agency C for relevant documents Agency C failed to respond despite two emails and a phone call Person A now makes allegation of victimization against the agency C Agency C is now claiming that person A had the document that is why they didn't respond Person A didn't have the said document! However, my question would be: why didn't the agency respond to the first mail and say: "mate, you have these documents so we are not providing them"? I believe agency had a duty to respond to the email even if they truly believed that person A had the document In which case, I see that as a failure to act hence a victimization claim Please your views and any relevant case law Thanks
  3. Bank account holders who are tricked into transferring money to fraudsters could be entitled to reimbursement if they have acted with the "requisite level of care" under proposed new rules. Latest figures show consumers lost £92.9m to authorised push payment (APP) sc@ms in the first half of 2018 - but unlike victims of other types of fraud such as credit or debit card [problem]s they are currently not entitled to be repaid by payment providers. A body set up to address the issue has now proposed changing this, though it has yet to resolve who will pay for the compensation in cases where banks have also acted with due care. https://uk.news.yahoo.com/transfer-[problem]-victims-could-reimbursed-021200979.html
  4. Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which I paid monthly about 2/3 years ago I wrote to them sending them £10 PO asking for a SAR. They never produced it so after a while I stopped paying and things went quiet of a year. Now they are back on my case threatening with a attachment to earnings, High court Writ and Baliffs etc. I am not sure how I should proceed with this and would really appreciate some help. I id speak to one of their customer service reps when I got the first contact letter and explained that I stopped paying because they did not comply with my request and he said he would look into it and get back to me but he hasnt and I ave just had a letter threatening allsorts to collect. When I first loss my house I did do a lot of research on this with regard to the PPI and secret commissions which there undoubtedly was but never saw it through due to personal circumstances.
  5. Good afternoon, I would like some advice on what to do once a speeding ticket has been paid but then a driver may have evidence that could get the ticket quashed. I have found out recently that our group fleet office has been submitting driver details for speeding tickets, bypassing my company process, and for which subsequently the drivers have been receiving the notices and paying the fines. Some of the tickets I have found out were for the stated offence of 'exceeding the speed limit for a goods vehicle' and for which the drivers have already paid the fines but I know we could have contested these as the vehicles are not goods vehicles, although the drivers apparently did not know any better and paid up. We have the vehicle V5s and photographic evidence of the vehicle interiors clearly showing the vehicles not to be goods vehicles, to whom could we approach to have the fines and points quashed, would it start with the NIP issuer? Thank you very much
  6. New online service could help drivers report accidents READ MORE HERE: https://www.gov.uk/government/news/new-online-service-could-help-drivers-report-accidents
  7. Didn't see this anywhere so have posted, apologies if already done,. Needless to say, well, well, haven't they got themselves into a bit of a mess?!! http://www.bbc.co.uk/news/uk-42012116
  8. Hello, I have received a PCN notice for stopping on a restricted bus stand; I will admit I was there, but for such a minimal amount of time, and clearly dropping a passenger off (shown in the photo on my PCN) - do I have grounds to appeal for alighting? The bus stand does have a sign saying 'buses do not pick up passengers from here' and I did not inhibit any bus during the few seconds I was there. Once I saw the sign I got out of there as soon as possible. Any help appreciated. Can someone also confirm if I do appeal, the reduced charge is held until it is resolved? Thanks, L
  9. Hello Was hoping for some insight or advice on my situation. I've just checked my credit report and have found two sets of "beneficiary trace enquiries" made by Erudio Customer Management Ltd. The first ones were in mid-march against my current and previous address. Then again two months later in May, also against my current and previous address. I have read up and found out Erudio bought the old style students loans. I do have two of these. One from 1997 and then another for 1999 which has been treated as a separate account by the SLC, but must be linked as the only reason I got the '99 one was because I had started on the old system. The last correspondence about these loans was in 2013 when I applied to defer them in the March, which was confirmed in April 2013 by the SLC. This correspondence was to my old address. Then I have an annual statement from SLC dated September 2013 sent to my current address. I have not had any contact with Erudio so hadn't realised my loans had been sold. I've looked into what a beneficiary trace enquiry means and have read on the internet that it is used to trace people who have moved address without informing their creditors, however the last statement from the SLC was sent to my current address so don't know why they would need to do this, as I have kept the SLC up to date with my contact details. A lso I am confused as to why they haven't made contact with me after carrying out these checks if they were searching for me. In normal circumstances I would just sit tight and wait for them to contact me but I am in the process of buying a house and am worried if this will affect it. I have checked all my credits reports and cannot find anything other than these searches. However I am scared in case between exchange and completion they put a default on my credit file, the mortgage offer gets withdrawn and we lose the deposit on the house. I have also read that they do 'backdoor' CCJs, so that's now another worry if they only have my last address could they be putting a CCJ on their without me knowing. Is there anyway I could find out about this if they were, other than waiting to see it appear on my credit report? I have a good report at the moment so would be gutted if they knackered that up for me. Not sure what is the best option. I don't want to contact them and offer to start paying as I fear extra outgoings I didn't know about when I completed my mortgage application might make them withdraw the offer. But then I don't want a default or a CCJ to suddenly turn up and have it withdrawn then, especially if its after exchange and my partner loses all their deposit money as well. Any advice on what would be the best approach, or what Erudio are likely to do next after carrying out these searches would be much appreciated. Thanks for taking time to read this.
  10. I had a couple of loans with Egg and Masterloan between 2002 and 2007. There were always two columns when selecting the loan, one with and one without insurance and I always chose the cheaper one, without insurance. So many people seem to think they didn't have PPI and find that they did so I'm wondering if I could be one of them or is it totally impossible?
  11. It is important to note from the outset that when you order something from a retailer, your agreement is with the retailer, not with any third party used during the delivery process. http://www.msn.com/en-gb/money/personalfinance/why-signing-for-a-neighbour%E2%80%99s-parcel-could-land-you-in-court-and-whos-to-blame-if-someone-else-signs-for-yours/ar-BBEjzXY?li=AA9SkIr&ocid=spartandhp
  12. Martin Lewis of MSE. Listening to the radio whilst in the car and Martin Lewis was being interviewed - he mentioned that if you even have one drink whilst on holiday, it could invalidate any insurance claim.. I did a googly when I got home and yep... he says it again HERE If you've had even ONE drink, it can invalidate any claim
  13. Hi, Just after some clarification that I am perfectly entitled to follow my current path over this issue. I sold an IPad on eBay for £95 back in February, the buyer then told me it was damaged when it arrived. It was in perfect condition when I sent it, so I could only suggest that was damaged in transit. I asked the buyer to return it to me, so I could claim against Royal Mail for the damage & I would issue a refund, all pretty straightforward so far. The buyer contacted me saying the Ipad was packed & ready to be returned & would I issue a refund, seeing as PayPal had prevented me from taking the funds anyway, I issued the refund & asked the buyer to return the item straight away. A week passed & nothing arrived, when I contacted the buyer again he said he didn't have the IPad, he had 'given it away to a charity shop', as ebay sent him an email saying he could keep it! Naturally, I was incredulous at his behaviour, I issued a Letter Before Action & logged a claim against him on MCOL for £125. He has refused to admit responsibility, has refused to settle & will not give me the name of the 'charity shop' he 'donated' my IPad to. I am now taking this matter to court, but he is now claiming I will be liable for his transport costs as he lives in Spain! I am quite prepared to see this through to the bitter end, but I just wanted some assurance that I don't end up on the wrong side of a hefty bill. Thanks in advance for any help & advice. Chris
  14. I work for a supermarket working 35 hours a week, where I wear non-slip work issued shoes. Flooring is concrete tiles. Other supermarkets in the area of the same company have smoother floors. I've been off sick since the 22nd May with a very painful lower leg, just above the ankle bone. I couldn't walk on it and put on some weight on it. From scans, it has been confirmed I have a stress fracture, on the end of the tibia. Been put into a cast for 4 weeks, then a walking boot cast for 4-6 weeks after that. I don't do any sporting activities outside work. These work issued shoes are the most uncomfortable shoes ever. Other colleagues say similar things. I work 8 hour shifts and by I have done 3-3.5 hours, my feet are crippling me. Earlier this year, I did ask a HR colleague, who doesn't work there anymore (so no comeback), could I have some new shoes and she asked, how long I had them and I said 15-18 months and she said that that's too early to replace them. I don't have issues with my own shoes which I wear outside work. I have also put in insoles into my work shoes and needed the bigger size as it made my feet tight in them. My job involves a great deal of standing and walking. I had a look at the colleague intranet, which we have access at home and they state that we are not allowed to wear our own non-slip/safety shoe. They provide just one type and they presume everyone's feet are the same. That is not the case. I'm a member of an union, so I will get in touch with the rep later this week as on holiday til Wednesday. I am worried that once I return to work, I will be forced into wearing those horrible shoes and risking my health even more - plus I'm more prone to getting further stress fractures. I am thinking, should I change jobs as my job has somewhat contributed towards my injury. Then some potential new employers may not want to know about someone who has had at least 3 months on the sick very recently. If its my work issued shoes that caused the injury, would that then be classed as a workplace injury? During my last 2-3 weeks, before I was off sick, I have asked supervisors that I needed to sit down, more times than in the past. I cannot sit down on my job all the time. There is always at least one colleague off sick with some sort of leg, foot or back problem from standing/walking too much in these shoes and on the flooring. I am the first one in my store to have a stress fracture on the leg. Apart from speaking to my rep, is there anything I need to do?
  15. I could not believe I was reading this !! http://www.dailymail.co.uk/news/article-4510778/Student-stabbed-lover-spared-jail.html
  16. I guess there is always the telephone book? I have Yellow Pages and a local directory delivered every year. For the full story :- http://www.mirror.co.uk/money/great-118-rip-could-end-10410058
  17. I have a debt under my DMP that is now with NCO Europe I presume they are merely the collectors for the original business-Direct Line Loans. Can anyone offer advice about this?
  18. http://www.bbc.co.uk/news/business-39352654
  19. Hi there I recently took up Sky on an offer regarding SkyQ. This included a main 1TB box and a smaller mini box. In short: In the initial call making me the offer (retentions team) there was no mention of a fee for multi-room services. I raised a complaint about this to which I requested the call to be listened to. I was told subsequently that the call was listened to and the monthly fee was mentioned. I then made a SAR and got a copy of the call recording and system log notes. The call contains no mention of the multi-room fee. So in short I've been lied to and have proof. Is this fraudulent - I think it is? ("deception intended to result in financial gain") If this is fraudulent, should I report this as a crime? Mr P
  20. I was advised by Citizen Advice Bureau to just admit a debt to the court paper. During the advice session they didn’t tell me I should ask for my credit agreement paper related to the debt with the OC and the authority of the DCA regarding to this debt (I did mention I own a debt to a company but I never heard of this DCA). I was told that there would be a hearing and the judge generally would allow me to pay monthly against my income. But the truth was that, the case just went through to the court clerk without a hearing and as a result, a CCJ against me straight away. I was ordered to pay in full without any chance to forward my financial details. The solicitor firm send me letter and they just wanted full amount and issued a charge for my home right away. The solicitor firm scared me to hell by claiming bailiff’s action and seizes of my home to make me homeless. I don’t even dare to open a window even its hot summer time nowadays. I tried to offer a monthly plan with the solicitor firm but in vain. Then suddenly, I received a letter from another solicitor firm (I would call it – B) telling me that they had taken over the original solicitor firm’s business and I must pay them money in full now. I had send numerous requests for any legal document so I could tell that my DCA (on the court form) would recognizes this arrangement, ‘B’ never answered my requests and they kept throwing me more thread. I had paid a monthly token to the old solicitor’s bank account on my own initial during the tangle with ‘B’. Then I stopped as I don’t hear anything back from the old solicitor firm. Lately I received a new thread from ‘B’, they are going to issue court order to seize my house unless I pay them. I am very scared !!! What should I do now and I have these questions : 1) ‘B’ uses roughly the same name as the old solicitor firm and it uses the same correspondence address too. But being a solicitor firm, they should know better about the legal issue. 2) Should I have a right to ask for an authority letter showing that the OC/DCA had given ‘B’ to collect the money? 3) I don’t know anything about ‘business taken over law’, but during a taken over, they should inform the court as well? I had asked my local court, ‘B’ didn’t file any paper to them about the take over. 4) If they issue order to seize of my home, could I appeal on the basis ‘B’ ignore my constant requests for proper paper about the authority of ‘B’ position to chase me money. ‘B’ kept chased me money and ordered me to pay into ‘B’ bank account not to my OC/DCA. 5) Would I look really bad at the hearing (if there’s any I could go to) as I know some court judge don’t like debtor at all? Please I really need advices here as I really don’t know what to do now! Thanks for all the help in advance.
  21. Families with children who are in debt could be given extra help to seek advice and support under new plans being recommended to the Government. The Families with Children and Young People in Debt (Respite) Bill - put forward by Conservative MP Kelly Tolhurst - will get a second reading later this month. It hopes to place a duty on public authorities to provide access to related advice, guidance and support to those in debt. Ms Tolhurst says she hopes the bill will improve the situation for families who are struggling: "The idea of the bill is when people get into debt, they can get debt advice and there are certain agreements and certain debt opportunities that they can work on to reduce the debt, and pay it off." http://news.sky.com/story/debt-relief-bill-could-bring-help-for-families-10772326
  22. Hi everyone, this is not the usual thread about tackling a speculative invoice, so if in the wrong place please move or delete! It's always struck me that the private parking cowboys are a particularly British phenomenon. Yesterday I stopped in a shopping complex in Mestre, which is the mainland town opposite Venice. The complex is near the bus station, near the train station, near the centre, and near the public transport routes to Venice, and I would suspect a place that non-customers could easily want to park. So, for once, there is a need for proper private parking control. So how do they do it? Well, with a barrier system, like an airport. There is free parking for two hours. Who overstays that for a short time has to pay €0.80 for the extra hour. Who stays there for hours and hours has to pay €0.80 per hour. So genuine customers pay nothing, if you're a bit late you pay a bit, and if people want to use the car park for non-shopping purposes they have to pay the owners more money, but still a very reasonable amount. If that can be done in Italy, not known for its organisation, why not in Britain?
  23. Hi all, I reclaimed my PPI from a number of lenders a few years ago using the great advice and letters etc on here, eternally grateful for that! But.... I've had a few calls from claim companies over the last few months and they claim that a lot of lenders knowingly underpaid on PPI claims and that more is owed. I was wondering if there's any truth to that and, if so, would it be a case of following the same process as previously to claim the extra owed? Thanks, Nick
  24. Cold calls offering exotic investment opportunities to people cashing in their pension pots will be banned under government plans. Ministers estimate eight [problem] calls are made every second to UK residents, leading to an annual loss of £19m. Advice services and legitimate companies said such calls had "plagued" the pensions world for years. The ban, which could be enforced with fines of up to £500,000, would not cover texts and emails. However, the government will gather views on extending the proposed ban to all electronic communications. http://www.bbc.co.uk/news/business-38029133
  25. Found this on the Mail where people are being hit with default CCJ even for a penny they know nothing about until the bailiff knocks or they are refused credit. It seems Crapita AKA parking Eye are getting default CCJ on alleged debts of a penny, as in o 0.01p. http://www.dailymail.co.uk/news/article-3784421/Stranger-s-40-parking-ticket-cost-family-new-home.html
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