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Found 115 results

  1. Hi Guys In November, I applied for a post office credit card and was declined despite having near perfect scores with Experian and Equifax. I used an eligibility checker first and it showed that I had a 95% chance of being approved so I felt confident to apply. However, while filling out the application form I did notice that there were no fields to enter information as a self-employed person but I proceeded anyway by entering info about my self-employed status so it may be that they only approve those that are employed. I received a letter from them confirming the decline but they didn't give a reason. It said that they used Experian. For several years I have had an Aqua card and they have increased my credit limit quite substantially. Over the last 6 months they have sent me a letter every month encouraging me to apply for a loan for up to £5,000 using the loan code they sent. I want to apply for a loan because the rate is 3X lower than their credit card rate. However, I'm concerned about my credit score being negatively affected again I wonder if someone could tell me how much time I should allow before applying for credit/loan again. Your advice would be appreciated.
  2. Hi, I purchased a Peugeot 207 from a reputable dealer (or so I thought) for just under £3000 just over six weeks ago. This car is on finance. The car broke down, the clutch has gone completely, just after six weeks and I have driven less than 200 miles in the car. The dealer are blaming me for the fault and are refusing to put this right. I have quoted the consumer law 2015 at them stating that they have to prove the car didn't have the fault when I purchased it. They are still refusing to deal with the situation and that I have to pay for repair. Now I am desperate to get the car back on the road as I use it to commute and to pick up my kids from my estranged spouse. Should I pay for repair and try to claim it back? Should I just cancel the finance? Any advice on this welcome. Thanks Oh and to name and shame the dealer this is "Crescent Cars" in Baldock Hertfordshire.
  3. Finally .... I am going through the 2 relaims I have yet to deal with I make that sound like I have done many but only the one I have compound calculator but has it changed to strictly 8%? If so I'll have to download another. What I'm looking for onsite is the second letter (the actual reclaim letter/where you have to detail why you think it was miss sold) as SAR requested already completed just waiting for me to sift through the statements. But can't find the link to this doc someone point me to the link please. HSBC business loan which was repaid from personal account This ones a little difficult because loan issued from an account that we closed so looks on statement as if I settled it but it was transferred to the new account when we move to a new branch and we were given a new account number. But I have most of the original bank statements. Second was 2 accounts with Egg CC do I have to submit them separately I don't think I have to - but just could do with clarification. had my SAR docs for at least 3 months but only just getting down to it. (Historically I've always done my paperwork between Christmas and New Year strange I know) Be great if you could paste the correct link here because for love nor money can I find it onsite. Seasons Greetings one and all hope you have a Fab Christmas and a Happy and healthy New Year.
  4. Hello My husband apparently went the wrong way down a one way street. He didn't see any signs. I was going to ask if anyone can identify any technicalities we could use to avoid paying the PCN but I can't upload the photos as I don't have enough posts! So I will ask the only question that I can without photos...The PCN arrived yesterday, 21 June 2018, (with first class postage) but I note that the notice is dated 13 June 2018. This means there is a very short time before the 14 days expire. Does this give us anything to argue? Thank you so much
  5. Hi all, Looking for some guidance regarding 5 legitimate?? (unsure) PCN s on a broken down vehicle. Scenario. My sons car broke down away from his home. He has a valid residents paid on street parking permit for his home. but could not arrange a tow . He tried one garage.... but no availability, until finally contacting an available garage 5 days later which was then free to tow and repair it . He put a note in the vehicle windscreen to advise of breakdown. He received 5 PCN's over nine days. Could anyone guide on a suitable challenge? Please. Also on legality of number of PCN's issued. Many thanks . email me if allowed. Cheers Steve.
  6. Britain’s most advanced jets touch down on home soil READ MORE HERE: https://www.gov.uk/government/news/britains-most-advanced-jets-touch-down-on-home-soil
  7. 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
  8. Purchased a BMW 420 Convertible on a 66 plat (Purchased August 2017) with less then 5,000 miles. EX Demo Car. 7 months in to owing the car, 3 of the 4 alloys have corroded. took the car to BMW of which tells me in May 2017 (3 months before i had purchased the car, 3 of the alloys had been refurbished and only carry a 6 month warranty. It was not disclosed to me that the alloys had been refurbished. I said to them i don't expect to purchase a car less then 5k miles for over £30k to have refurbished alloys. I requested new alloys as it was not disclosed to me at point of sale. they refused. The car is on BMW finance. Am i wrong by stating i want new alloys or is this what i should expect? looks like someone else got the same issue https://www.pistonheads.com/gassing/topic.asp?h=0&f=72&t=1541056
  9. My wife has been employed by the local pub owner who took on the lease of the village shop three years ago. My wife was employed from the outset to work in the shop. Since day one she has consistently worked over 28 hours a week at a rate above the NMW. She has been paying tax, NI, pension etc and has received holiday pay. However, she was never given a contract of employment. The pub owner has now bought the land that the shop is on, and plans to demolish it and build houses on the land, meaning the shop will close. He is however going to open a small "shop" within the pub to sell essentials such as milk, papers, cigarettes etc. The boss has told the staff nothing more than "I am closing the shop at the end of April and you won't have a job anymore", however he has failed to put anything in writing at all. I have several questions which I hope someone can answer 1) The boss is suggesting that as he never agreed in writing to a set number of hours a week, the position was one of a "zero hours contract". However my wife has worked 28+ hours every week since she started. Am I right in assuming that the 28+ hours a week, in the absence of a contract are implied terms and those are the terms are legally binding. 2) Until as such time as he informs my wife in writing that he plans to close the store and her position is redundant, then legally she is still employed on the terms that she's worked to for the last 3 years. 3) Even without a contract of employment, my wife is still entitled to written notice of redundancy. How much notice is she entitled to, and should the shop close before that notice period expires, he then would still have to pay her in lieu of notice. 4) Unless he puts it in writing that the position is redundant, then is he legally obliged to pay her for the hours she would have been working for had he not closed the shop. Any advice and answers to the questions above would be greatly appreciated. Thanks
  10. Hi, I wonder if anyone could clear things up for me, I purchased a used car 5 months ago which broke down yesterday, the steering lock is electronic and will not disengage meaning the car won't start. I had to have the car recovered to home as it was in a pay and display spot. It is my understanding of the CRA that if a fault occurs up to 6 months then the dealer has to offer a repair or replacement. They said there was a 3 months warranty and that's that. Upon ringing the dealer today, they told me to book it in and it will be chargable. Recovery has already cost me 200 and dealer prices for the repair could run to a new steering column which would be astronomical. I bought a car with such low miles to avoid any unwanted repair costs. I'm 33 weeks pregnant and need the car to get to hospital every week as its a problem pregnancy. I have now had to hire a car just for this purpose. The car is only just over 3 years old and cost me 10000 pounds. And I have covered only 2500 miles in it. I am now unsure of my next step, I have car that won't run and can't afford to fix right away, and the dealer's stance is that its chargable even though the CRA says otherwise. Please help! TIA
  11. 'LET DOWN BY MY COUNTRY' Hero war vet, 50, who was Prince Charles and Diana’s driver left homeless sleeping in bushes and feeding off scraps READ MORE HERE: https://www.thesun.co.uk/news/5551197/hero-war-vet-50-who-was-prince-charles-and-dianas-driver-left-homeless-sleeping-in-bushes-and-feeding-off-scraps/
  12. Capita look to be in trouble, wonder where this will go, especially in view of the Capita/Equita/Ross 'n Robbers stitch up at many infested councils. https://www.theguardian.com/business/2018/jan/31/shares-in-uk-government-contractor-capita-plunge-40-after-profit-warning
  13. I've just seen a post from a guy on here who was (150k in debt) now 70k in debt. Something like this myself started paying through stepchange at £269 a month for just over 2 years now for 23k work of debts. total paid to date is £2,959.00 which brings my account to £20,510.58 My debts are with. Halifax (Credit card) Capital one (credit card) Barclay card (credit card) Tesco (credit card) Natwest (credit card) Zopa P2P lending (Loan) (13.5k loan, 19k with interest) However I've been going through some of my old statements and a recent one today from Halifax who send them very sporadic and I noticed which I thought was stopped interest wasn't so for 2 years they have been keeping the interest going at about £28 a month while my stepchange payment plan with them is about £21 a month after all this time my account with them should have been £1,460 however I checked today and it stands at around £1,780 I've not actually paid anything off. They aren't the only ones Zopa had my debt at about 13k down to about 11k now but they have been keeping the interest on my debt with them stands at 14k now even though the original letter after a defaulted said the debt was 13k and never mentioned the interest. Now my finance has changed I can't afford the original payments as the debt calculator on stepchange now puts me at minus £284 a month. What do I do at this point? Do I do what the other guy did and get letters sent off to them and what should I expect if I stop paying stepchange by DD and only offer creditors about £1 a month each? Capital one is also keeping interest going. after 2 years of paying and looking at all my accounts again today my debt stands at £23,657.14
  14. http://www.lep.co.uk/news/health/nhs-computers-down-after-virus-patients-told-to-avoid-hospital-and-walk-in-centre-unless-absolutely-necessary-1-8540798 Just spoke with someone at our local hospital and servers ate all being shut down - confirmed
  15. Hello Guys, I am looking for advice on best place to start with my issue. I have 2 years 9 month old Bosch washing machine purchased from online retailer washtech.co.uk which suddenly developed sevaral cracks in the outside plastic drum. Washing machine was working ok for a first year then touch screen controls started playing up and I got it repaired under warranty in October last year. No problem with controls since then but today my garage got flooded by the water during drum clean cycle. I took back panel off hoping it was a pump or waste pipe. Unfortunately external plastic drum had at least two long cracks. I understand I can try and get it fixed by retailer as it not lasted a reasonable amount time or fix it myself and then take them to small court if they refuse to pay for repairs. I just wonder if I could try to start with Bosch to see if they agree to repair it free of charge or provide some sort of report or their view on the fault? I was told by their technician that after repair they made I do not have any warranty (original warranty was running out in two weeks after they made repair). I know some manufacturers extend warranty after repair by another year. And Bosh themselves say they will give 12 month warranty on the appliance if they fix it. But I guess it is meant when you pay them or could it apply to any repairs? Thanks for reading!
  16. My DLA was recently stopped (didn't even bother to try or PIP as I know I had no chance). Well today I got a "revised"calculation of my housing benefit due to my DLA being stopped, and it's gone down by over £30 a week? I'm confused by this. I didn't think DLA was means tested and I don't understand how I'm expecting to pay more now that I'm worse off? Does anybody have any knowledge on this that can help please?
  17. Hi, I have just picked up a car 530pm today reference and on my way home the car stalled in the middle of the road and it took awhile before the engine turned on again. when it did, multiple warning lights came on the dashboard 1. DBC (Dynamic Brake control) 2. ASC (Automatic Stability Control) 3. Engine Malfunction 4. Tire Pressure Monitor. Carried on driving but felt there was a problem decided to go to my friends house which was nearer from where I picked up the car from instead of driving it all the way to where my final destination is. The car was not normal to drive anymore had to make this assumption that its not safe to drive it any further as there seems to be no power on the engine. When I finally got to my friend's house, I sent a text message to the dealer as I know they were already closed at the time. to my surprise he replied and told him about the ordeal I just had within the hour of picking up the car. he said he is off tomorrow but asked me to call as he would sort it out with their mechanic. I have also called car finance 24/7 my car broker after sending the text to the dealer and was advised to get in touch with the dealer. I am worried that this may be a faulty car and have also sent an email to my loan/finance provider moneybarn too. I can be informed if what my options are if this is the case and was obviously conned which I am hopeful would not be. Please let me know if you any sort of advise. I am really frustrated. test drove the car and was assure it was in an excellent condition.
  18. If you are self-employed and you are owed money from a company (construction) for an unpaid invoice and you start court proceeding's can they close the company down before it gets to the court date and if they can is their any way of stopping them doing this Thanks
  19. George Osborne today announced he is quitting as an MP but will carry on “fighting for that Britain I love” as editor of the Evening Standard. In a letter revealing his decision to Conservatives in his Tatton constituency, he said he was thrilled to be taking charge of “a great newspaper”. The former Chancellor, 45, made plain that he intends to stay active in political debates on issues he is passionate about. And he hinted he could make a political comeback in future, saying he was leaving Westminster “for now”. Stepping Down-Quitting all the same to me. http://www.standard.co.uk/news/politics/george-osborne-quits-as-mp-saying-he-is-leaving-westminster-for-now-a3518001.html
  20. About a year ago we had some building work done which has now turned out to be sub-standard. I have tried to get hold of the guy, but his home phone and email no longer work, and I suspect his mobile number has changed also. All I have is a name, a bank account/sort code, and a post code. With the beauty of hindsight I should have never used a tradesman who didn't put his full address on his paperwork. I have done a WHOIS lookup on his website, and I have a registered address from that, which is different (but close) to the "contact us" details on the website. I`ve not been able to find anything on the companies house website - presumably the registered company is operating under a different name? How do suggest I proceed in tracking down this builder?
  21. Bought a car: - made in 2010 - 89,000 miles - Ad said: "car is mechanically excellent" - Paid GBP 2900 with debit card - Trade seller After 200 miles, car broke down (engine noisy, smoking and not going anywhere). Seller said I was driving the car with a problem, hence it's my fault. Called citizen's advice, got deferred to consumer helpline. They called today, saying: 1. The burden of proof is on ME 2. I need to take the car back and get an independent export report 3. I need to prove it is a "manufacturer's defect" All these 3 are totally contrary to what I have found via google. What in the name of Elvis is a "manufacturer's defect"? this is a 7 year old car! What to do? Bought car: 20 Jan 2017 Car broke down: 27 Jan 2017 Dealer picked up car for inspection: 2 Feb 2017
  22. My mate who I car share with at work has massive problems with the guy that lives next door to him, a while ago his sons dog 'nipped' the neighbour as he was walking through my mates garden which has a shared 'right of way' from way back when horses were used to transport coal from the mines at the back of the cottages where they live. Went to court yesterday after the neighbour pressed charges under the dangerous dog act, and this was the outcome... http://www.dailyrecord.co.uk/news/scottish-news/dog-who-bit-neighbour-saved-10065141
  23. Not sure if posting in the correct category. My issue is that first time in my life I have decided to apply for a credit card. A good friend of mine recommended MBNA as she has a very good experience with them. Turns out for some mysterious reason that MBNA thinks I do not qualify for their credit card. I never checked my credit score and don't really wanna do it. Here's my history in a nutshell: Living in London for 15 years, residency status, EU national. NEVER applied for a credit card in my life before Banking with Santander ever since opening my first account in England in 2005 4 bank account with my bank, cash card, current account with a visa debit card, savings account and credit card. Not much money in the first 3 accounts currently but never used overdraft, only once or twice my current account went into unarranged overdraft but only lasted a few days before my wages arrived into my account to balance it. Been using my Santander credit card but always repayed the money in one payment. Currently I do have a small amount on it that I have not paid back yet, but I used that amount only 1 week ago so no repayments or anything else due on it yet. Living as a private tenant, 18 months at my current address, 2 years at previous address Part time employed for 7 years, been self employed before for 2 years, all taxes, NI, etc been always paid without delay. Annual income 15K. Recently my hours had been permanently reduced by my employer and I am only receiving pay per hour for my work, about 15 hours per week at the moment. Still in employment and job hunting, of course. Also the most interesting thing is that time to time I am being spammed by other credit card companies such as American Express and etc by post, sending me their credit cards even though I don't even know where they got my details from as I have never applied. When Santander gave me a credit card, I didn't apply for it, they asked me in the branch at the counter if I'd like one, I said 'yes', and they handed me the card. If anyone got any tips or ideas what might be the issue, it'd be very helpful.... Oh, and I am not on the electoral roll register - if that counts, that's literally the only thing I can think of what might be the issue.
  24. In September this year I was driving my SORNED 29 year old car to an MOT in Penge as there is a classic Citroen specialist who looks after said cars. I broke down at the traffic lights in Crystal Palace causing untold mayhem during the beginnings of the Friday rush hour. The police passed by, but didn't stop to help. Two young men helped me push the car to safety and allowed the traffic to flow. I waited for the breakdown recovery people to arrive for two hours and when they did, the journey continued to Penge - a mere two or three miles down the road. It was there that we found out the car could not fit on the ramp in the garage on Friday evening the car was left safely off the road but on the pavement where people park, causing no trouble whatsoever. I left a note in the windscreen window with my phone number if there was a problem, clear to see. On the following Monday I started ringing around the garages I knew who could handle the problem of the clutch. On this model, the engine has to come out so the clutch can be accessed to be fixed so it's not a quick one - it is a two day job and the complexity means that most will not touch it. The garages were busy and no one could take in the car - one quote was for November - a few weeks off at this point On the Tuesday I was referred to a service in Erith that specialised in clutches but he could not take the car in till Friday. imagine my surprise when mid week I learn that the DVLA has clamped my car. I asked the DVLA to reconsider by phone only to find that it required the car to have road tax and MOT within 14 days. Funny, but that had been the original idea. However the unpleasant unhelpful voice at the other end of the line informed me that in any refund I would only get about a third back. I waited till the Friday as the car clearly wasn't going anywhere until that day and called the DVLA to de-clamp the car. The money was paid and a young lady arrived to remove the clamp. I engaged her with conversation whereupon the following was confirmed: 1) The DVLA looks out for cars that are clearly owned to penalise heavily. This includes cars that have broken down and cars which have not updated their road tax. 2) The DVLA ignores dumped cars and leaves those to the local authorities (as there is no money to be made in fines so the cost of dumping is borne by the taxpayer). 3) Effectively the DVLA has no problem leaving people who are already stranded through no fault of their own in an even more vulnerable position and uses its right to clamp, irrespective of notes left clearly in the car. In fact a note left in the car seems to indicate to a clamper that the fine would definitely be paid - hence money to be made. I then waited for several hours until the RAC arrived, and by the time they did, the garage in Erith was closing for the weekend. The car was trailered back to its garage and pushed into place . It was a disastrous week just trying to get an MOT, and the end result left me very angry, extremely stressed, substantially out of pocket, and exhausted. The car will stay in its garage for either the duration of the Turpinesque fine or until the fine is returned in full and I can get the car mot'd with a working clutch whereupon I will buy road tax, without conditions of any sort attached. I believe that this fine has been wrongly applied. I wanted the car on the road to be used, not sitting in a garage, just keeping dry, but clearly the odds of having a trouble-free effort to get the car on the road again were stacked against me as much by circumstance as the authorities looking to cash in on an individual's unfortunate situation. If this is the way that they intentionally treat those who are attempting to do the right thing, then it is inevitable that there must be a subsequent spike in illegality regarding un-taxed road use, and frankly on the basis of my experience, the DVLA would completely deserve it - such is the price for random advocacy for highway robbery in the first place. I am now at the point of issuing proceedings against the DVLA and the named recipient will be its Chief Exec Morley. Has anyone else incurred a problem like this H - where the have taken a SORNed car to the mot station and broken down and been clamped. I shall be requesting an FOI on such from the DVLA, but to date their obfuscation means that this is likely to take months. if anyone has any such information about equally unjust fines and clamping on this subject and how they dealt with the matter I would be very grateful to hear from them.
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