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Found 11 results

  1. Evening All, question, i'm not sure if its fake news or just to catch people attention, but I saw an article claiming that if you had an over draft you might be entitled to refunds, in a similar fashion to PPI. does anyone have a view, is it true/false.. I mean many moons ago I used to use my over draft and from time to time I used to go over and of course our good friends at HSBC used to charge me the earth for it. frankly I don't see the correlation between PPI and having an overdraft and where I could be owed anything. cheers - Red
  2. CMA consults on draft consumer law advice for care homes READ MORE HERE: https://www.gov.uk/government/news/cma-consults-on-draft-consumer-law-advice-for-care-homes
  3. I'm going to be having a new roof on the house shortly, and I don't want to employ some one without having a clearly defined contract in place. But having never done anything like this before.. I have no idea where to begin. Are there any templates out there that I can download, and tweak to suit, and most importantly... it will need to be legally binding in case of any issues. If a contractor refuses to sign a contract... they won't be hired. Any decent and reputable company would have no qualms about having a contract in place.
  4. I am a defendant in a fast track case. I have the other parties documents I requested copies of from their disclosure by list. There are other docs I know of the existence of and want the other party to disclose them as I think they have left them out because they will hurt their case. I have written to them requesting these be disclosed but have not heard back or received supplemental disclosure of these docs. I don't expect to hear back as they refuse to communicate with me regarding this litigation. I am planning to apply for a Specific Disclosure order and cannot find much guidance online on how to go about this. I want them to disclose specific documents, rather than to do an additional search as I think these should have been found and disclosed within the search they already carried out. There are 11 docs in total I want them to disclose. Some of the docs are mentioned by them in emails they disclosed, some are police records they can get through a subject access request, they have disclosed the Crime Ref numbers of these incidents and referred to them in letters they disclosed. My questions are: 1. What do I put in the draft order? 2. What do I put in my supporting evidence/information to support the application? 3. How do I refer to the places that bought these documents existence to light? Many thanks
  5. Hello all, I'm in need of any help or advise I can get here, I received a claim form from the county court made by Hoist portfolio holding 2 ltd on behalf of santander UK plc for unpaid overdraft of £1175.08. The original account was with Aliance & Liecester which I opened some time in 2004 as just a basic current account then upgraded later on after about a year or more to a full current account with overdraft facility rising from £500 to £1000 then was closed some years ago when I fell into financial difficulties even before Santander acquired A&L. Before now, A&L have taken all sorts of charges and exploited my situation from charging me for inadequate funds for direct debits to charges for sometimes going over my overdraft limit even by less than a pound, then when I wasn't forthcoming with payments for these charges anymore due to loss of job,the account was closed. I was ignorant about the fact that I could have challenged for unfair charges at the time . I feel very bitter now that santander have passed this on to Hoist Portofolio Plc and i cannot remember receiving any notice before the court claim. Matter of fact, I feel so bitter about this that i wonder the possibility of counter claiming against them for unfair charges. But for the time being i will need some sort of records as i have long disposed off records about this account, can i request a CCA? please any advise/help is welcomed.
  6. ive read several threads but feel I need to start my own as I think ive already fallen at the first hurdle!! received a letter from Expedion 11th feb along with "draft" court papers I immediately phoned expedion as i have not had any correspondence or a ticket on the car... im guessing this was a big mistake to do! i didnt for one minute think they were cowboys particular as they include what looked like real court papers! they said they had enough evidence to pursue their claim and to pay the £175 owing £100 ticket £40 admin of dvla application, reminders and debt recovery £35 pre-litigation costs what should i now do. can anyone help draft a letter to them as the information on the letter just refers to an area and isnt a street ive ever parked on. it states i had chance to pay 50% reduction but lost this right. This court paper letter is the first ive heard of any of this eeek... im a bit lost... do I still appeal to them then obtain a POPLA Reference from Expedion. Sorry for all the questions but as ive come in at court paper stage im not sure where to start.
  7. Has anyone read this yet? https://www.gov.uk/government/publications/draft-legislation-the-taxation-of-pensions-bill
  8. Help Dryden fair fax have had a ccj register at the land registry for a debt on a over draft with nat west against my house , so when i sell it they will take any money owing the amount at the bank is for 6000 even though i never signed any agreement to increase my overdraft from 1000, i have written to dryden fairfax and offered a final payment 3 weeks ago not heard from them. I am worried sick what can i do i been living abroad and have only found out about all rhis in the last few weeks HELP
  9. Hi all, I have an over draft with nationwide for 1,800. Yesterday i received a letter from nationwide saying that they are reducing my overdraft to 1,100. At present i am in my overdraft 1,791 and in a panic. I'm not sure what will happen will I be charged the interest of 50p a day or is it worth me asking for a repayment plan and asking for the account to be closed. My tax credit payment get paid into this account and now i'm wondering if i should ask for payments to be paid into another account advice would be very much appreciated.
  10. Hi all a bit of advice please if anyone can help ? I have a Business overdraft with RBS for around £21.5 k I've had this account with them for around 17 years but the od has been at different amounts during this time I am about to change from a sole trader to ltd company on accountants advice ( nothing dodgy) just as a way of saving on a few bills etc we have decided to change banks in the next few weeks as the charges from RBS have crept up and up over the last few years and also I have no dedicated business manager due to cut backs it now takes around a week to get a telephone appointment with one !!! I should think that the RBS will want this od paying back when I close the account I know there daft but not that stupid the only other account that I have with RBS is my mortgage the question is : will they try and secure this debt by adding the od to my mortgage ?? as I have around £36k equity on the property ? also on looking back on the account from a sar I did a couple of years ago for another reason a lot of the od is interest and fee etc would it be worth trying to claim these back from them ? Many Thanks CB
  11. Hi - i don't know if anyone can help on this. I was sent a Banker's Draft from Halifax by my grandparents. I have Ultimate Reward account with Halifax. When i went to pay it in, i was told it would take FIVE DAYS to clear. I'm going on holiday tomorrow so this is a masisve pain in bum. Is ithis normal? I can't believe that i'm supposed to accept that it takes 5 days to cash a BD which is effectibely a cheque from the same bank!!! Does anyone have any experience of this?
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