Jump to content

Search the Community

Showing results for tags 'fair'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition

Categories

  • The Youth Academy
    • The Youth Consumer Service
  • Miscellaneous

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Location

  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. Legal rights when dealing with debt collectors For more information : - Australian Competition and Consumer Commission Australia - Dealing with Debt and Fair Practices.pdf Before Printing the PDF TIP If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following: Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out). Note: This will save you Ink & Paper
  3. JHi, and thanks to all those who contributed to my other thread in respect of ESA, the help has been greatly appreciated and I would appreciate any same kind advice on my PIP Tribunal was has now been listed and will proceed in a few weeks time. My initial reason for the Appeal has been based on the time it took the assessment, (approximately 14 minutes) and this was for two conditions, physical because I have a heart condition and for my mental problems which are secondary to the heart condition, PTSD, anxiety and depression. During the examination, the assessor just repeated the s
  4. Hi there CAG family, hope you are all well? I have been going through some paperwork for relative and are trying to reclaim old PPI from a Sky card, now owned by B/C. I have collated all PPI amounts and entered onto a spreadsheet I used from previous claims. Barclays have responded and although they state they have included compound interest, it appears to be way off. They have calculated PPI premiums together with charges and the compound interest amount added is closer to 27.29% of this total. This does not come close to the spreadsheet total (correct interest as per statements).
  5. My husband and I recently moved out of a small 2 bed-semi that we rented for 5 years. The landlady did the check out with my husband - taking almost 3 hours. She pointed out a number of things she was no happy with in terms of cleaning (if there was a slight mark/spot that had missed it meant we hadn't cleaned it at all and it was filthy etc) and reluctantly my husband agreed to £100 'cleaning' bill - signed the check out sheet, as did my landlady. She sent it through to the DPS but due to no internet and started new professional jobs we didn't see it before she cancelled it a
  6. Hi hoping someone can offer some advice please ? we have/had to sell our home all monies have been paid in full to mortgage company they really gave us a hard time and were causing too much stress to carry on with it. I am now after pursuing them for all charges that they have charged us over the years what charges can we claim back we had a joint mortgage account do we both need to do a SAR or will one in joint names suffice any more advice would be appreciated. Thanks in Advance
  7. There is now an All Party Parliamentary Group (APPG) on Fair Business Banking. I know from the years that I have been on CAG that many have found themselves in dispute with their banks and when it comes to SMEs in this position, there is really nowhere to turn. The FOS is of little or no assistance and the legal route is usually financially impossible. That is where the APPG comes in and is working hard to change things so there is a level playing field. Here is a link to the APPG site http://www.appgbanking.org.uk/ The APPG site tells how you can become involved and it is also cu
  8. Basically I have put in a complaint against ebay for an item that I sold to clear which was marked for parts or not working and no refunds accepted as ebay are siding with the buyer and told me to start a return (buyer is non uk resident) however I have responded with an appeal against the decision and a formal complaint. Also this has incensed me so much I have decided to put a petition down if anyone wants to sign it to make ebay treat sellers fairly and stop siding with the buyer to prevent [problem]mers (which is what this buyer is). https://petition.parliament.uk/petitions/17980
  9. Hi , I heard a legend about something that happened to a friend of a friend: They were stopped on British Rail allegedly without means to pay and intent not to pay, They changed address. Summons Letter went to the wrong address They missed the court date. (A month ago) Only recently. the occupant of previous address notified them of the letter. They have been advised to do the following steps: 1. call the court ask for Statutory Declaration to re-open the case. 2. This will trigger an interview to decide on re-opening and they will be asked for their plea.. 3. Do no
  10. I was surfing as normal and came across a very new code of practice from an LA in this case Halton Borough Council (HBC) dated the 17/05/2016 I have briefly read it and seems rather fair although at this time it is in it's draft format. Thoughts anyone? Link here >> http://councillors.halton.gov.uk/documents/s32725/Code%20of%20Practice%20draft.docx
  11. A bit of a strange experience today. I had to wait about 45 minutes for a train, I thought that I would do that inside the station concourse as I usually do. I decided to wait near some shops inside, all of which were closed. A security guard approached me, told me that he was closing the retail section of the station and asked me to move on. I did as instructed and, headed for one of the waiting rooms. After entering the gents, I noticed that he had followed me in there. He didn't seem to use the toilet. He just stood there watching me. I left and sat
  12. Hi, I bought my parents a UK coach holiday and, as they're both pensioners, travel insurance which included cancellation cover as both have had illness in the past. Unfortunately, a direct family member became ill a week before they were due to travel and they decided to cancel the holiday and visit her instead. The family member sadly passed away 2 weeks later. The insurer sent out claim forms, these were completed and returned along with a death certificate which was required. Last week, the insurer wrote back requesting additional evidence for the deceased, namely the completion b
  13. First of all, I feel so ashamed of what I have done, I have developed a massive anxiety issue and am finding it hard to eat and sleep, let alone step foot on public transport. Im absolutely terrified of what might happen so any help will be truly appreciated. I graduated from University two years ago, although getting good grades I have struggled to find a job, I'm in massive debt and am still stuck in my overdraft. Despite this I plan on working and taking a masters so I can proceed with a career. Im also doing fundraising for charity which I love, and need to travel t
  14. I have VTd my car and paid up to the 50% However, they are trying to claim a further £200 from me for a torn seat (which was there when we bought it and is a common fault) and some scratches that are hardly anything to be concerned about on a 2008 car. I have disputed the claim but they are saying it's up to me to prove the scratches etc were there at the time of purchase? Is that correct? The garage who we bought it off have agreed with us about these things being there at the time of purchase and have said they will back us up but if the car finance don't accept that where
  15. My husband has filed N1 form against his mortgage lender for unfair charges after they rejected his initial claim. We have received a bundle from them last week followed by a threatening letter yesterday saying charges are fair and he would be liable for their costs if he does not discontinue his claim by a deadline given. What does he do next. Should he continue with the claim or write a letter to reduce the amount of initial claim and what case law can he prove to back up his rights on this. Thank you in advance
  16. This has to be the best budget in decades. Labour may claim some of it was their idea, what rubbish, they don't have copyright on the few similar words that were used.
  17. Hi there, I hope this is a good place to put this question. Long and short of it: I was offered a season ticket loan which has been paid out of my salary each month. I am now leaving my employment on (until now) good terms. There's approx. 3 month left on my season ticket loan. I have asked to pay the remainder back via standing order over the remaining 3 months to make it manageable. I asked on the 8th June. I received a response on the 22nd saying the following (I've 'anonymised' the email, and rounded the monetary figures to the nearest £5 for anonymity as well.): Som
  18. Hi, at the end of March my elderly parents (85 & 80) visited a caravan show. They saw a mini camper van for sale and my father was quite interested. He had a vision of being able to use it to take my mother, who has terminal cancer for days out. The van was on sale for £23,999. My parents looked around the rest of the show and on their way back as they were approaching the stand were they saw the above mentioned van the salesman had sign with a reduced price of £19,995. In parents words "he told us he was reducing it for the show" My father was attracted by this and signed up to purchase t
  19. When i signed on the 1st June, i noticed a small (half A4 size) notice about a Jobs Fair the day after (2nd June), anyway, i signed on as normal and was just about to leave when i asked about the Jobs Fair, he said it was mandatory, and i left... ...the thing is, he made no attempt during the signing to mention about it or give me a "direction" letter, and because of this i completely forgot about the Jobs Fair the day after. Can i still be santioned for not going, i thought they had to give you written notice of it detailing the penalties for not attending, all i had was just an uno
  20. Earlier this week I did something really stupid, I attempted to get out of paying for a train and what's worse I did it on the way back as well. I have read as much information as I can on this site and another and don't hold out much hope. I got through the first time but on the way back I was stopped by a Revenue Protection guy and was found out and even more stupidly told him that I was on my return journey. What I am really worried about is my folks finding out since I live with them and have no where else to go. which would probably mean homelessness. I am disgusted with fear, can'
  21. My partner's Brighthouse. 2 accounts, totalling £6.37. Missed a week's payment. Charges of £11. That comes under the description of unfair charges as it exceeds the amount of payment missed. Manager utterly refused to remove despite the fact I've had previous charges removed for saying they're unfair (and before anyone says, SAME store). But then again this is the same store that had a manager signed OSC removal form and never removed it....
  22. I recently wrote of to akinika to settle a debt I have with them, I was a little cheeky and asked if they could reduce my debt by 70% (previous debt companies have done this with me in order to settle my account quickly ) instead of paying £212.21 I would pay £65, they sent me a letter back saying this is "not acceptable, however our client would accept £180.37" They have also asked for a breakdown of my income & expenditure which I have typed up for them, after I have paid everything out (rent, council tax, gas electric) I am left with £0 a month. I am currently
  23. Hi, I am in a bit of a long running situation and would really appreciate some advice. My situation is an extremely long running affair and I will try and summarise where possible in order to get to the point. I bought a 2.0D Nissan Qashqai with extended warranty for £9500. The car was 4 years old and had only done 32000 miles. 11 months after buying the car and only doing 6000 miles in it, it broke down. We returned the car to Stratstone Honda where we had bought the vehicle from, they spent 5 weeks attempting to diagnose the issue by replacing several parts in the ve
  24. On march 11th i got my new statement Credit Limit £250 Balance on March 10 - £245.51 Interest - £ 7.45 Total £252.96 Overlimit fee £ 12.00 New Total £264.96 minimum payment £21.90 to be paid by March 28 On March 28 i paid £22.00 by bank transfer so new balance should be £242.96 Looked online to see if they had the payment and it was credited to my account on the 28th BUT on the 26th they added another £12 overlimit fee so the new balance is £255 Can they add a charge twice in a m
  25. http://www.dailymail.co.uk/news/article-2532236/Outrage-hundreds-drink-drivers-named-shamed-Twitter-BEFORE-theyve-chance-fair-trial.html This appears to be causing quite a lot of controversy
×
×
  • Create New...