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  1. My girlfriend and I are moving house at the end of March, and have agreed with a lettings agency to move to a new property. The initial payment to hold the property was £500 with £200 of that to come off the first months rent. We agreed the fees etc and am just awaiting the forms to complete. However when I was just speaking to them on the phone, the gentleman I had previously been dealing with admitted he had made an error with the fees and needed to pass me on to one of his colleagues. I was then passed on a rather gruff assertive woman who stated that they needed and extra £90 to be
  2. Hi, I've just found myself in a situation, whereby I was caught without money in my account on the day by DD was due - and now I'm being charged the £25. However, I would like to carry on using the gym, - and not pay the £25 - is that possible? Very annoyed, as I really am enjoying the gym - particularly because it's a good hobby when I don't have much money! However, my integrity is swelling, and I can't bring myself to let them rob me.
  3. I'm about to buy a (relatively) low cost item from a small-time online manufacturer who usually sell in large quantities to tradesmen. They have applied a 'low order fee' to make my order up to £50. Are they allowed to do that? (I suspect yes). I noticed in the Shopping Basket breakdown that VAT then also got applied to this fee - are they allowed to do that? Thanks.
  4. Hello all. Regarding there being no £10 fee for SARs, I want to send HSBC a SAR (because I know that I had loans with them that had PPI but they've previously said that they don't have records that go back that far), other than there being no fee, is there any change to SARs, please?
  5. Hello all. Due to ill-health and being self-employed, I had to resort to getting a Sunny loan to make ends meet for a couple of months. All fine, but am back working so wanted to clear it in full, so called up yesterday asking for an Early Settlement Fee and was told I had to pay the full outstanding amount for the period of the loan. I thought that was odd, but paid it in full nonetheless. After a bit of research yesterday, I came across the Consumer Credit Act (Early Settlement) 2004, which in my feeble brain seems to purport that I shouldn't have been charged full whack to cl
  6. Hi there, First post! I’m a student an as it is summer and i’ve not been getting my student loan recently and only work part time i’ve struggled a little with money recently. My DD for xercise for less failed. Like many others on here i’ve been charged that famous £25 ‘admin fee’ in an email. The email reads: Harlands administer the collection of all payments due under your agreement with Xercise 4 Less. Your bank have advised us that your August instalment has been returned unpaid "refer to payer" as there were insufficient funds in the account to pay the amount due. W
  7. Hi Everyone, I would really appreciate your help here, as I think the Post Office home insurance are mis-advising people. I am moving out of my housing association flat to a house I just bought with my girlfriend. I have a 6 week overlap for the two properties so we can renovate and decorate prior to moving in. I already have contents insurance for the new house. My flat was covered for the last 6 years by the Post Office, I told them I am moving and have to cancel the insurance as there is already insurance at the new house, so they can't insure it. As such they have to cancel in
  8. hello everyone i have been reading your answers and help to other members i really need your help. I moved from Amsterdam to UK I did not have bank account here my friend started paying my DD of 9.99 per month from March 2018 I started gymicon with him now in june some how he missed the DD. he received a call and letter stating that you missed a DD you need to pay 25 pounds plus your monthly fee for X4Less. he cancel the direct debiticon I only went to gym for a month because now I was little far from gym I was paying my friend to pay the
  9. I have just received a bill for title transfer and remortgage for £1,400 I used Aaen Peach solicitors in Glasgow after going through hbc The initial quote was £395 plus vat, they didn't give any list of charges but had it in the details that i would be charged for costs incurred by the company I've sold houses previously and done a title transfer with a mortgage before but wasnt charged anything like this, it wasn't a complicated case so that is why I'm so shocked at such a high bill could anyone offer any info please Thank you
  10. The landlords (a company) and I are butting heads about both these issues. Claim damage to furniture: I have had to destroy 3 pieces of furniture due to mould. The mould I believe was caused due to a poor sealing window in our bedroom therefore letting in moisture. The landlords knew about this within a couple of months of moving in and never corrected it. I tried every year before winter to add my own seal but that ultimately fails. And heating the room was so expensive, as I believe there was no wall insulation as there were black spots of mould on 3 out of 4 walls and the nois
  11. I recently entered a contract with an estate agent called Remax signing on the 21st of March 2018 due to the failure to get one visit booked within the first week whereby there was 350 online views and a failed attempt to cooperate with another estate agent to work together in selling the property. I didn’t hear from the agent in a week and he didn’t respond to a message I sent him asking for an update. Hence, I decided to cancel and go with another agent. This is the wording from the contract: If you are a consumer client and this contract was not agreed within our premises
  12. Hi all, Myself and two others were due to sign contracts to move into a 3 bed flat this Saturday, but one of my prospective housemates quit his job and pulled out last minute. Me and the remaining person can't find a replacement, nor do we want a random off of spare room. Problem is, we paid a £338 holding fee each and have now lost this as a result. The person that pulled out originally said they would pay me and the other person back the £338 each that we'd lost, but has now gone AWOL. The other person is furious (I tend not to fret) and we were wondering if there was any legal act
  13. This thread is probably in the wrong section of the forum so could one of the moderators move it to the appropriate section. HMCTS have updated Form EX160 to include a Fee remission contribution calculator (Form EX160C). A very useful addition indeed. https://www.gov.uk/government/publications/apply-for-help-with-court-and-tribunal-fees
  14. Need a bit of advice here for a friend who cannot afford a solicitor. Quick run down. Friends is a masseuse, working in many different areas including hot stone massage. She is very professional and has done many years in training for what she covers. A client has decided to sue her using one of these no win no fee companies and has lied stating that my friend didnt get her to sign a disclaimer etc, well I know for a fact she had signed and she has the paperwork to prove it. Now this client has stated that she had a torn ligament from this hot stone massage, now if anyo
  15. I am helping an elderly relative (91) with a court claim. Wer are getting the witness statement ready as there are only 3 weeks until the court date. He received a letter in december and should have paid his hearing fee in february. Its new to me, but I think the court will strike out the claim. He is unsure if he paid it, if he has not what is the worst case?
  16. Hi all, I came across this site googling a company called asset link capital 5, they have taken over my Barclay cc debt and I wasn't sure if it was a [problem] or not. I've read through a lot of posts and I'm intrigued and excited about the potential. Currently I am paying Gregory Pennington £183 per month(£38.50 in fees) £144.50 split between 3 creditors for the following amounts. The Dmp started mid 2014 Barclaycard Services £6,744.23 PRA Group (UK) Limited - Bromley £7,174.96 SCL Collections £4,413.73 I've just had a letter from ALC5 saying they have
  17. Hi, I received this email Dear [my name] Harlands administer the collection of all payments due under your agreement with Xercise 4 Less. Your bank have advised us that your March instalment has been returned unpaid "refer to payer" as there were insufficient funds in the account to pay the amount due. We will therefore debit your account on 5 APR 18 for the total amount of £34.99 made up as follows: Instalment Amount £9.99 Administration Fee £25.00 Total Due £34.99 Please note that the submission for this will be made two working days prior to 5 APR 18 and
  18. Hi My partner and I got into a lot of debt after we became self employed in 2004. When things got bad we kept the company from going under by using personal credit cards. Credit was easy to come by; we had one credit card (MBNA) with a 20k limit, as well as several others. Following a heart attack in 2006 I had a Critical Illness insurance payout, and used much of the 47k to pay off some of the larger debts. However, when the credit crunch of 2008 occurred, business suffered and the debts piled up again. We took out a DMP in 2012, costing £50 month in fees and payi
  19. I was going though some paper work and found some statements going back 2010-2015 with astronomical charges levied on my current accounts by Lloyds. I remember sending a letter in 2013 but forgot all about it. Again I sent a letter last year asking for these, but I was told it is too late. But I am just wondering whether to send them a fresh claim stating that although I started the claim in 2013 never got a chance to pursue it due to house moves and other issues. Do I still have a chance to claim or is there a time limit? Thanks CB
  20. Crime news: revised Crown Court fee guidance READ MORE HERE: https://www.gov.uk/government/news/crime-news-revised-crown-court-fee-guidance
  21. Hello, Has anyone successfully claimed back mortgage early repayment fees. I was aware of the conditions of the mortgage when I signed it. However the manner of penalty does not seem fair or right. I am facing a £16,000 bill for coming out after 2.5 years of a 5 year fixed rate deal (more expensive than the variable mortgage) I understand they have to recoup loss of interest, but as soon as I give them back their money, they lend it out again and make no loss? I cannot port or continue the 2.5 years left as I have lost my job. The amount seems like a penalty.
  22. In short, my child was involved in an accident on a bus when with the mother resulting in a moderate injury to the child. Mother decides to go and see a no win no fee solicitor to see what they think, for which they are willing to take the case on. A load of confusing paperwork has turned up including the Conditional Fee Agreement (CFA). In short the CFA states what IS covered under the agreement is: claim for damages, any application for pre-action or non party disclosure, any appeal by opponent, any appeal against an interim order or an assessment of costs, any proceedings to enforce
  23. One of my family has taken out an inheritance claim against a will that left him already a substantial amount, he has slight brain damage but manages to take holidays abroad, gamble, drink and play golf a lot. He claims he was maintained when in reality he borrowed money off most of the family and didnt pay it back, he wants the entire estate. His entire statement is a web of deceit, he has exaggerated his health problems, not submitted any financial outgoings or medical records and yet STILL we are paying to defend this, which is costing us ££thousands. How does the legal s
  24. My wife had an accident at York Designer Outlet tripping over a raised platform and landing on her right arm fracturing her shoulder. Ended up having to get an ambulance and go to York Hospital. She had first aid treatment and they were pretty quick to come over and get an ambulance. although while trying to establish the facts they did seem to get a little pushy on putting blame onto my wife. She brought food over for my daughter facing me to talk about our food. the seating was next to the raised platform and as she turned to walk didn't see the floor was higher than the rest and t
  25. Hi All, I have recently received a letter from the HMCTS historical debt team about a fine from 9 years ago. they informed me that I had a fine for having no TV licence. I knew nothing about it. About a month later I received a letter from Marstons Group Bailiffs asking the payment of the fine which was £250.00 and also a £75 compliance stage fee. A The letter which was dated 23rd October gave me until 5th November to arrange a payment plan or make a payment. I received the letter on 4th November (a saturday) and when I called to discuss they were closed. I
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