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  1. Complaints from people bombarded with spam texts and nuisance calls have today helped the ICO fine two companies a total of £100,000. Separate investigations into Omega Marketing Services Ltd and Vincent Bond Ltd were both triggered by complaints about nuisance marketing. Now the firms have been fined £60,000 and £40,000 respectively. The ICO receives around 13,000 complaints about spam texts, emails and nuisance calls a month. It is currently investigating 167 cases. Report nuisance calls at ico.org.uk/calls.
  2. A total of 1.4 million people in the UK have only made the minimum repayments on their credit cards for three years in a row, the City regulator has said. The profits made from these customers mean credit card firms do little to address persistent debt, the Financial Conduct Authority (FCA) said. Nearly half of them have borrowed more than 90% of their credit limit consistently for three years. Lenders have now agreed to help with warnings about growing debt. In its final report on the UK credit card market, the regulator said: "Credit cards are suited to short term borrowing
  3. NatWest and Royal Bank of Scotland (RBS) have warned businesses they may have to charge them to accept deposits due to low interest rates. The move, if enacted, would make them the first UK banks to introduce negative interest rates, in effect, charging to deposit money. "Global interest rates remain at very low levels... this could result in us charging interest on credit balances," it wrote in a letter to customers. Personal customers are not affected. http://www.bbc.co.uk/news/business-36889828
  4. I have received 3 recovery letters from Indigo Car Parking (also known as PCN Admin, ZZPS) in respect of recovery of a parking ticket that has been cancelled. Every time I receive a new letter, I respond with the email confirming cancellation, but the letters keep coming. Does anyone known what I can do to stop this nonsense?
  5. The Government has announced plans to put an end to anonymous phone calls from British companies in the UK or based overseas. Telemarketers will be forced to display a valid phone number when they make phone calls - or face heavy fines in a new crackdown on nuisance calls. The welcome change to the law means it will be a legal requirement for direct marketing callers to show a valid caller identity that shows up on phone displays when they call. The changes make it easier for people to report any company that makes unwanted calls. http://www.which.co.uk/news/2016/01/col
  6. The UK's broadband providers have been told to expect tougher rules on how they advertise their services. The UK's Advertising Standards Authority said it was considering the step to ensure people "aren't misled by pricing claims". It follows a study that indicated most users could not correctly calculate bills based on the information given in a selection of broadband ads. The ASA said it would make a final decision before June. A lobby group representing the broadband industry has suggested more research is needed before any changes are imposed. But one of the intern
  7. Mobile phone users will be protected from massive bills when their devices are stolen after five operators agreed to introduce a £100 "liability cap". EE, O2, Three, Virgin Media and Vodafone have signed up to the measure. Some customers have faced charges of thousands of pounds because of usage by thieves. The cap will be activated when a phone is reported lost or stolen within 24 hours of going missing. The government said it had secured a deal with "real benefits". The Citizens Advice Bureau (CAB) said the measures would bring "muc
  8. Rogue claims companies that provide bad service and bombard people with nuisance calls face fines totalling hundreds of thousands of pounds under new plans. Those who use information gathered by unlawful unsolicited calls and texts, waste people's time and money by making spurious claims or use misleading marketing could be fined up to 20% of annual turnover, justice minister Lord Faulks said. Fines will be based on the turnover of the company and the nature of the offences, meaning they could potentially stretch to millions of pounds in some cases. Lord Faulks sa
  9. The Green Deal is a government backed scheme that can help you make energy-saving improvements to your home or business, for example: insulation - eg solid wall, cavity wall or loft insulation heating draught-proofing double glazing renewable energy generation - eg solar panels or heat pumps You have to pay back the cost of the improvements over time because the Green Deal is a loan. The BBC has found that some firms promoting the scheme are mis-leading consumers by claiming the Green Deal was free and that they qualified for the scheme
  10. https://uk.news.yahoo.com/clampers-facing-full-regulation-115058608.html#Dw3mr1D A pet hate of motorists is to be fully regulated with all clampers forced to abide by a cap on fines and penalties. Under new rules operators targeting private car parks and property will be forced for the first time to follow the same restrictions and guidelines as companies policing public roads. Among the fees for illegal parking will be a maximum 100 euro charge for releasing a clamp and a 50 euro charge for releasing a car that has been towed away. But there is also a provision for
  11. Hope this is in right place. Can anyone recommend a reliable but cheap car recovery firm. I have tried internet quotes, but apart from basic local breakdown cover, the prices for national recovery are too expensive for wife as she only covers a tiny annual mileage. Anyone with experience of "Autoaid" or "Rescuemycar.com"???
  12. http://www.bbc.co.uk/news/uk-politics-27132077
  13. General question for legal minds In the betting industry, many of the leading companies are based in Gibraltar so that they can avoid paying the horse racing levy and save costs. If a dispute arose between such a betting firm and a customer (based in England) and the betting firm issued a claim, what would be the key differences to defending such a claim compared with being sued by a UK company. i.e. would the customer/defendant have to go to Gibraltar, CPR differences etc Example - Betfair http://www.betfair.com/aboutUs/Terms.and.Conditions/ Governing
  14. Can't the above be excluded from the "new postings" search as wading through several pages of this every day is getting boring!
  15. This is the link from the evening times on Guide will help victims of Payday loan firms: http://www.eveningtimes.co.uk/news/guide-will-help-victims-of-payday-loan-firms-130697n.21624504 Guide will help victims of payday loan firms A SURVIVAL guide for people who have fallen victim to payday loan companies has been produced by a firm of Glasgow lawyers. Govan Law Centre has today published its free Payday Loan Survival Guide for consumers across the UK. According to the firm, the guide explains how consumers can take back control of their finances, challenge unfair intere
  16. The City of London police is to start sending undercover police into financial services firms to tackle financial crime. Speaking at a Financial Conduct Authority conference on financial crime in London today, City of London police chief superintendent Oliver Shaw said criminals need to know the police are “looking over their shoulder”. He said: “You will see increased covert surveillance on trading floors. We will be putting undercover officers into financial institutions. We will be tape recording, audio recording and possibly video recording their activities. They need to know we
  17. Read the full story http://www.bbc.co.uk/news/business-22868820
  18. I have been in dispute for a while with MotorMileFinance. They recently decided to threaten me with doorstep collectors ect. I have been getting harassed at work (Mental health hospital) several time a day plus they have been phoning my ex address and landlord telling her she is responsible. Recently they sent a letter from a law firm stating they will take me to court. Fortunately my missus is a chartered accountant with the Scottish Exec so she done a quick track of the solicitors and found that they are not a registered company at all in the UK or abroad. I
  19. Figures from the City regulator show customers made 3.4 million complaints about banks and other financial companies in the second half of 2012. Barclays is the UK's most complained about bank, receiving more than 2,300 new complaints a day from its disgruntled customers. Figures published by the Financial Conduct Authority (FCA), the new city regulator, shows it received a total of 414,302 new complaints in the second half of 2012. The FCA data shows that the companies that received the most complaints, after Barclays, were Lloyds TSB (349,386 new complaints over this period) Bank of S
  20. Consumer credit firms must apply for interim permission to trade from their new regulator from the fourth quarter of this year, the Financial Services Authority (FSA) has warned. Regulation of consumer credit transfers from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA), which replaces the FSA in April 2014, if the current timetable is followed. But the FSA’s head of consumer credit, Will Amos, said firms must start applying for interim permission to trade as early as the fourth quarter of 2013. New regulatory fees are not yet confirmed but Amos said sole traders wou
  21. http://www.oft.gov.uk/news-and-updates/press/2013/13-13#.UQuQ8GeVCtM
  22. More than 80 payday loan websites are breaking the law or are pushing the limits of existing rules to woo customers. Financial Mail has uncovered sites targeting the vulnerable, offering damaging advice and potentially bending the rules. A dossier containing the results of the investigation has this weekend been passed to the Office of Fair Trading. In it we name lenders that regularly advertise on TV. Read more: http://www.dailymail.co.uk/money/cardsloans/article-2237977/We-hand-payday-firm-dossier-OFT-80-firms-breaking-law.html#ixzz2DLnNdBUc
  23. Payday loan companies have been caught threatening customers, grabbing cash without permission and rolling over debts as many as 12 times. A devastating report has revealed how these controversial firms, which offer short- term instant loans with annual interest of up to 14,000 per cent, are leaving customers struggling with massive debts and unable to buy food or pay bills. Payday lenders claim they are performing a public service — making it easier for borrowers who can’t get easy credit from banks to pay bills. They say their customers are generally satisfied. But
  24. http://www.oft.gov.uk/news-and-updates/press/2012/110-12
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