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Found 21 results

  1. Hi guys just wondering if some one could give me a bit of advise , i had my home repossessed 9 years ago , there was a shortfall when they sold it at auction . They haven`t bothered us for 9 years (halifax) then today i got a letter from the halifax saying they have passed the debt on to moorcroft dept recovery , i don`t really know what to do, we have not acknowledged this debt . and cant afford £20,000. any advise would be help full.
  2. Hi. My father in law was shopping last Wednesday in Manchester City Centre and visited a book store. He was with his wife. They are both in their late 70's. During the visit, then went down 3 flights of stairs in store to the book section, but after the 3 flights of stairs, there were 2 steps that you couldn't see. My FIL fell and as he was going down, he tried to grab a stand and cut his hand open. He also smashed his face into the floor and was bleeding heavily from his nose. Staff came to help and my MIL was furious about no signs for the 2 small steps, and the staff were
  3. “The tax take for this group of people has fallen by £1 billion since HMRC set up its dedicated unit. At the same time, income tax paid by everyone else has risen by £23 billion. http://www.mirror.co.uk/news/uk-news/fatcats-pay-1billion-less-tax-9700294 http://www.taxresearch.org.uk/Blog/2017/01/27/public-accounts-committee-says-hmrcs-lack-of-transparency-has-eroded-public-trust-in-a-fair-tax-system/ http://www.rossmartin.co.uk/sme-tax-news/809-mps-initiate-key-changes-in-hmrc https://www.parliament.uk/business/committees/committees-a-z/commons-select/public-accounts-comm
  4. Sca mmers have been sending out a host of fake vouchers, purporting to be from some of the nation's favourite supermarkets and high street stores. These fake voucher promotions have been popping up all over Facebook, Twitter and the rest. You will be led through some questions to get your voucher and you will have to supply your mobile number and your address – ostensibly so your “prize” can be sent out. In reality, your phone will be hit by premium rate calls costing up to £5 each https://www.lovemoney.com/news/26495/dont-fall-for-this-supermarket-voucher-[problem]
  5. The cost of car and motorcycle theory tests will drop from £25 to £23 for tests taken from 1 October 2015. Theory test fees for other types of vehicle will also be reduced at the same time. Book tests at the new price The changes apply to theory tests taken from 1 October 2015. You can now book tests for this date onwards. You'll have to pay the old fee if you choose a test date before 1 October 2015. Find out more about the changes to theory test fees.
  6. This one is weird. My mortgage statement from Dec 2013 shows NRAM have written off a mortgage shortfall off approx £590k (yes, £590,000). I do not have a statement for Dec 2014. I am not sure if this is a true 'write off' or whether it is just transferred to a suspense account or the like. The property was repossessed by NRAM in August 2012 after a long long fight. The mortgage was almost £1.1m with all costs and charges and arrears etc and the property had been worth £1.2m. Before repo we had offers of around £900k but could not sell as it would not clear the mortgage and NRAM are
  7. Visited a retail store today used toilet facilties. See pictures. When you got to go you got to go. Spend 90 minutes in store getting accident form recorded as 'water and foreign body has fallen from hole in ceiling hit him on head'. Action taken toilet closed. Environmental officer was phoned and has closed the toilet until tiles repaired stores retail risk and complience team have been in touch. No first aider was offered. While complaining manager threatened to phone police for harrasment until I phoned head office. Accident happened at midday, environm
  8. Water and sewerage bills will fall after April 2015 and even more help will be available for customers struggling with cost of living pressures. The average water and sewerage bill in England and Wales for 2015-16 will fall by £9 (2%). In this period, companies will provide a package of measures worth more than £40 million to support customers struggling to pay or in debt, for example through trust funds, debt matching and write-off schemes, debt advice and water efficiency measures to help customers on meters reduce their bills. http://www.water.org.uk/news-water-uk/lat
  9. The cost of renewing or applying for a driving licence is set to fall under proposals announced by the government. Fees would fall by a third for digital applications and 15% for paper. Drivers who apply for their first licence online would see a saving of £16, with the cost dropping from £50 to £34. Drivers who renew their licence after 10 years would benefit from a fee reduction from £20 to £14. And all driver tachograph cards would reduce to £32 from £38. The proposals are part of a public consultation on driver licensing fees - the changes would save d
  10. the clever part here is the MAY's & the OR and to read the letter in reverse. debt collector [may] visit your home or the next contact will be a process server alternatively you may get a court letter of proceedings if you don't pay us, we'll take further action not which action! nor that 'further action means any of those listed! classic play on words dx
  11. Small business owners might not be surprised, but now Government-commissioned research has confirmed what many of them already suspected: a lack of bank lending is down to risk aversion and weak supply, not a lack of demand. A study by the National Institute of Economic and Social Research (NIESR) found that Britain’s banks are reluctant to lend to small businesses and to pass on cuts in interest rates, rejecting banks’ argument that weak appetite for credit from small companies is the main reason for anaemic lending figures. Instead, NIESR found that banks’ excessive aversion to risk wa
  12. We all know a bathroom shower is slippery but this hotel, a new one in france has no grab handles anywhere near the shower, just a plastic or glass divider and a grey bathroom floor that is so smooth that with a small drop of water makes it worse than ice as you step down from the shower base. I have very server bruising on hip and day later left arm cannot be used What are my rights? I have photos of bathroom and injured hip I reported incident to reception and got the email address of manager. I have checked out as I can at least walk
  13. http://www.bbc.co.uk/news/business-20803548 Was listening to the usual defensive utterances from the BBA who are saying some of the proposals are likely to ward off investors. They even have the nerve to try and say that any punitive measures would mean the banks having less to lend to businesses.!! As if they have even been bothering to give much needed cash to struggling businesses. In fact even the Government backed 80% guarantee EFG program saw the greedy banks forcing directors to sign personal guarantees and forfeit rights under CCA !!
  14. Europe's largest bank has also reserved a further £500m for PPI claims http://www.bbc.co.uk/news/business-20202586
  15. Insolvency practitioners warn that household finances are set to come under renewed pressure this winter. Personal insolvency figures are predicted to fall further tomorrow, but experts warned the recent improving trend is likely to hit a turning point soon, with large numbers of people still living on the brink. Charles Turner, vice-president of the Insolvency Practitioners Association (IPA), expects personal insolvencies to fall further from the four-year low set in the second quarter of this year to around 26,600 in official figures for the third quarter published tomorrow. Within thi
  16. Has anyone seen the new advert from BG ? BG have decided to offer cuts to customers when wholesale Gas prices fall.Strange that in the last 5 years of price increases,BG have always blamed increases in wholesale prices-If they are anticipating these going down anytime soon,no one else seems to know about it. They also cite costs in meeting energy targets and investment,which are surely not going to be changing ? 6% rise in 2007 http://www.telegraph.co.uk/finance/comment/9606025/Gas-suppliers-must-be-allowed-to-make-a-fair-profit.html 10%rise in January 2008 added to a who
  17. http://www.dailymail.co.uk/money/news/article-2210537/Tescos-profits-fall-time-20-years.html
  18. The Co-operative Group has reported a sharp fall in profits due to bad business loans and what it describes as a "competitive" food market. Underlying operating profit for the first half year was £174m, down 34% on the £264m the group made a year ago. Total sales rose slightly to £6.56bn. Like-for-like food sales, which strip out the impact of new and closed stores, fell 1.2%. The group said it was confident sales would improve in the second half. More: http://www.bbc.co.uk/news/business-19355912
  19. Youngsters are angry with their high street providers and refuse to recommend them to their peers. High street banks are falling out of favour with the younger generation, with four out of five refusing to recommend their bank. The Young Money report, which investigated the views of 20 to 29 year olds found that they were frustrated with call centres, branch opening hours and draconian security checks. One in ten had hung up while on the phone to their bank out of frustration or anger. Only 17pc of them had recommended their bank to anyone in the last twelve months. "As everybody k
  20. Hi can anyone offer me advice on whether to make a claim against my gym? I fell there last week and am being treated for a broken bone in the base of my thumb and have extensive bruising on my back as I fell onto a machine. I was in a class situation and tripped when trying to get around a machine in order to get more space. The instructor took a quick look at my hand and sat me down while she carried on with the class. I was in a great deal of pain, but I got no medical attention. Apart from giving my name and address I played no part in filling in the accident book and
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