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About Me


Found 10 results

  1. Hi all, I have a car on finance, which two days ago caught fire and is a write off, can I terminate my contract with the finance company under 'frustration of contract' as the finance company can now no longer supply the use of the vehicle to me under our contract? Just wondered what people's thoughts are on this. Many thanks for all and any replys Moonlandings
  2. Got a bit of an annoying issue with Royal Mail. Will try and keep this as brief as possible. I sent a parcel to friends in Germany containing some baby clothing for which I paid just over four pound to go as a small parcel (airmail). The parcel never arrived and six weeks after sending it out it came back to me, in a clear plastic bag from Royal Mail, my parcel was more or less obliterated, the shipping bag I used was totally shredded with the contents falling out. The address was no longer visible as that part of the mailing bag was totally ripped away. Only my return address was sti
  3. Good Morning, and for those of you that read this, thank you. I am new to the forum as i am running out of options and routes for advice. I took on a lease two years ago and on the 15th July with no notice from my landlord, scaffold and boarding was put around my salon. I was told by the builder that it would be two weeks maximum. We are now on the 11th November and it still continues with updates by me from the builder and still not one word from my landlord. I have lost 80% of my client base and had to get a full time job to tide over my loss of revenue - which has lead the
  4. Hi, I recently switched a bank account that I'd had for about 14 years because another bank was offering 100 quid to switch. Prior to this I had a 5/5 credit rating (although not sure what the score was). It had been like this for about 8 years. The month after I switched my credit rating went down to 4/5. I assumed this was normal and it will improve however, the next month it changed to 3/5 It has been a long time since I missed a payment, at least 10 years. I've had loads of mobile phone contracts over the years and also have three credit cards and another current accou
  5. I am about to raise a complaint with Kwik Fit relating to a winter service that they did on Dec 23 2014 the subject line says it all will keep this thread updated
  6. Natwest made the "assumption" that I no longer required the overdraft facility on my business account before attributing to me that I had requested it's removal. They acted on an instruction I never gave, and even wrote to me stating that I made the request to remove the overdraft knowing (and later admitting) that I did not. After realising their mistake they explained that they assumed I gave the request. How can an action be assumed on an instruction that was never given? Surely the bank can only know a request was made or not made, not assume it. Natwest have not
  7. Hi all, I am trying to claim back PPI for a friend of mine which was sold in 1998 but she cannot find any agreement forms etc. I send Clydesdale Bank a cheque for the £10.00 but they have since replied with this letter, can somebody advise what I should do next! DATA PROTECTION ACT 1998 - DATA SUBJECT ACCESS REQUEST --------------------------------------------------------------------------------- We refer to your recent letter (attached) in relation to the above mentioned Act. We must advise that due to the passage of time since closure, we regret we are unable to supp
  8. I'll try and make this as brief as possible... Drove my car 90 miles to the office (not a daily commute!), everything absolutely fine and running perfectly, except a minor judder on the front brakes at high speed, which had been going on for some time. As there's a National Tyres branch just down the road, I thought I'd leave it with them to get the brakes checked. Not long after, they phoned to say they'd test driven the car and the car was fine - in particular, nothing wrong with the brakes. I said while they had it, could they give it a minor service - i.e. change oil, plugs, filt
  9. My partner and I have been working hard at paying off debt to get his credit rating up so we can get a mortgage before our second child is born. All was going well, we had paid off around 7k in the last six months, cleared all outstanding debt and his rating had shot up to excellent. Then at the beginning of Nov, we got an unexpected water bill for £600. Part of the reason it was unexpected was because over the past year ourwater bills had suggested that we were in credit. Prior to this, around the time I was expecting our first child, we were going through a rough time financially, and w
  10. Ok so me and my partner decided to take a lloyds tsb joint current account out before my Son was born this was Octoberish 2011. Now i havent be too great with credit with over drafts and credit cards but this has all been settled now and my credit is well and truly destroyed to be honest but when my partner looked at her credit history earlier this year i was listed as a linked alias on her credit file which brought her credit down from 5/5 to 1/5 When we looked at our links it showed Lloyds TSB Joint Account which has obviously destroyed her credit She rang experian after clos
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