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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 saying 'yeah, I know, we should have a sign'. They weren't bothered in the slightest. My MIL asked for a first aider. The store never had one! They called security who didn't really know what to do. They were trying to stop the bleeding from his hand and face with toilet roll. Then someone produced a small first aid bag and the security were arguing about what they could and couldn't apply to his injuries. The staff wrote the incident down in the accident book. They gave him a bottle of water then sent him on his way! They never once offered to call an ambulance! He left the store with his wife and both were in shock. My MIL said she was shaking like a leaf and didn't know what was going on. So he left the store with his face covered in blood, and his hand bleeding and got a bus home! He never went to hospital as he is 'old school' and everything will be okay. They never told me about this until last night. I am livid that the store let him leave like this and there was no first aider to help. I asked about photographs and they said they think someone took one of the steps but not sure. They don't have camera phones. I asked to see my FIL's hand but my MIL had just put fresh bandages on. She said she thinks it needs stitches as the cut is wide open, but he won't go to the hospital. So what can we do about this? I am disgusted in how he was treated and fobbed off. I was wondering if I could go to the store today and see the accident book. Also I'd like to take a few photos myself of the area and see if there are any warnings in place yet. I'd also like to see where CCTV is situated in store and how I can get a copy. Please advise if possible, I'm so angry right now how he was treated! Thanks
  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-committee/inquiries/parliament-2015/high-net-worth-individuals-hmrc-16-17/
  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 the most unreasonable company I have ever had to deal with. The property was repossessed and the same agent who was marketing it and had said it was worth around £1.2m plus then 're assessed it' for NRAM at about £650k, yes £650k and they continued to market it at a much lower price. The buyers at 900 magically disappeared. It didnt sell even then and was gradually reduced during 2013 until an offer for around £570k must have been made. We only knew this as I saw it on a different agents web site and decided to try and stop the sale as an under value sale. We even went to court for an injunction to stop the sale but lost although a potential case for an undersell is still possible. I feel very strongly that there was an arrangement for the agent to get it to sell as low as possible for his own personal reasons (we had known him for 10 years and he said this was one of his op 5 houses in the town). There was something just not right about the process although I cant prove that. The sale went ahead in Aug 2013 and the only thing we heard from NRAM was when a statement arrived in Jan 2014. It shows the proceeds of the sale £540k plus various other smaller amounts, agents costs etc and then it says Repo Writ-Off Cred ....... £590k. This takes the mortgage account down to zero, exactly. A cheque refund of £1500 is then ADDED which takes the balance owed to £1500 (no idea what the cheque refund is). Anyone reading this statement would say our mortgage balance is £1500. It is not a sales statement, it is our annual mortgage statement. Recently we were contacted by letter from PRA formerly those monsters Mackenzie Hall. It gives little detail accept our mortgage ref which is why I know its connected. I do not want to contact them or NRAM yet. NRAM know that if they chase us for shortfall they have a fight for undervalue so is it possible that bearing in mind what the statement says, does this look like they have unilaterally written off the debt. It is possible the PRA contact is only for the £1500 and not £590k. Not sure PRA would deal with this high value shortfall. We have had no letters assigning any debt either. We have a great deal of other debt but with a few things that are happening that debt might be manageable, the NRAM debt would be a big problem. The other weird thing is that the sale is not registered with Land Registry from July 2013. I cannot find any sale of our property registered anywhere apart from our own purchase in 1999. i have searched numerous websites including land registry which list all sales in a road/post code for many years back. I have not paid for a title check.
  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, environment officer has confirmed fault with tiles was reported three hours later. When he arrive the sanitary bin had been removed and also the company were unable to provide water test logs. Stores defence we checked the toilets an hour before the tiles must have been stolen by customer. Where do I stand???
  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/latest-news/water-and-sewerage-bills-falling-201516 Most companies are cutting prices, but a few are increasing them. See here: Forecast average household bills 2015-16
  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 drivers nearly £18 million and the industry around £2 million every year. Subject to the consultation and parliamentary process the new fees are planned to come into force by 31 October 2014. https://www.gov.uk/government/news/driving-licence-fees-to-fall
  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 was the key factor. It also warned that “low and average risk” firms have been even harder hit than their riskier counterparts, which suggests a “partial withdrawal of banks from SME lending as an asset class rather than only a response to risk”. Philip Davis, one of the authors of the study, said banks had “overreacted” to the “excess of provision of credit to SMEs” in the run-up to the financial crisis. He found that a typical small business is now less likely to obtain a loan than in 2001-04, a period researchers described as “normal” compared with the “easy money” days of 2005-07. “In the boom, credit conditions are relaxed too much and then in the downturn credit conditions are tightened too much,” he said. High margins on loans to small companies are compounding the problem, NIESR said. Banks have “taken advantage” of lower interest rates to profit from SME lending, with a lack of competition among lenders meaning there is little downward pressure on the pricing of loans. More: http://www.telegraph.co.uk/finance/yourbusiness/10209729/Its-official-Wary-banks-to-blame-for-lending-fall.html
  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 this total, Mr Turner said there were likely to be around 8,000 bankruptcies, which would be a similar level to the 8,088 orders made in the previous quarter, which was the lowest figure since 2003. The country recently saw an end to the longest double-dip recession since 1950, while inflation also eased to its lowest level for nearly three years in September. But household finances are set to come under renewed pressure this winter, with a string of major energy companies announcing price hikes in recent weeks and food and some mortgage costs on the rise. More: http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/9648986/Fall-in-number-of-bankruptcy-expected.html
  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 whopping 35% later in 2008 http://news.bbc.co.uk/1/hi/7533389.stm In 2009 BG introduced price guarantee which capped prices for 12 months.However,many customers found themselves locked into the deal with BG demanding a £70 exit fee. http://www.moneysavingexpert.com/news/utilities/2010/02/british-gas-locks-thousands-into-pricey-tariffs 6.9% rise in December 2010 followed 8 months later by a rise of 18% in 2011. http://www.guardian.co.uk/money/2011/jul/08/british-gas-raises-gas-electricity-prices The 6% increase announced for 2012 in the last few days will typically add £80 per year for dual fuel customers. This Fix and Fall deal is a joke. Here is what BG Gas boss told the BBC this week The British Gas boss claimed that 85% of the price it charges customers is outside its control, including wholesale gas prices and the cost of government policies to try to reduce emissions and help the poorest households. "Britain's North Sea gas supplies are running out and British Gas has to pay the going rate for gas in a competitive global marketplace," said Mr Bentley. "Furthermore, the investment needed to maintain and upgrade the national grid to deliver energy to our customers' homes, and the costs of the government's policies for a clean, energy-efficient Britain, are all going up." The cost of government policies and the national grid upgrade added £50 to the average household bill this year, and is expected to add another £60 next year, British Gas said. It said that winter wholesale prices it pays were proving to be some 13% higher this year. So how are they now able to offer this deal,when in the past they have always used it as an excuse for price increases in the first place ?
  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 knows, today's twentysomethings are tomorrow's big earners and if banks fail to win their loyalty and trust today they are storing up big problems in years to come," said Michael Taggart, from consultancy MRM, which carried out the study. When you put this in the context of the Libor interest rate-rigging scandal, and the reported surge in new customer enquiries at mutuals, credit unions and new banks, it's really not great news for the big high street brands." More: http://www.telegraph.co.uk/finance/personalfinance/9441508/Young-people-fall-out-of-love-with-high-street-banks.html
  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 was told (by her teenage daughter) the instructor would fill it in with my injuries later (although she could not have known my injuries). Despite the other gym members' showing concern (unfortunately I don't know them), the instructor seemed determined to stay well way away from me - at which point I left. Does anyone know whether there is any legal requirement for them to help me if I fall? And has anyone claimed for this kind of thing?
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