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Found 262 results

  1. Well it seems it is going to be one of those days.Already i have put two threads out and it is only 8am. This one has caused by blood to boil.But everyone has a view,what is yours. Here is my answer to the news that - Fracking gets go-ahead in UK for first time since 2011 as North Yorkshire council approves plans. http://www.telegraph.co.uk/news/2016/05/23/north-yorkshire-council-approves-fracking-plans/ Well everyone will know what i feel about Fracking just in case it is Lancashire next by fair means or foul. Our council and people have said No quite clearly.I am now catching up with local views just in case. My video of how i feel.When i went on a protest to learn more.These people are protectors not protesters. Could be on your doorstep next.
  2. Hi All This is my first post as I'm currently having issues with Samsonite and a suitcase I bought. I bought a small cabin bag size suitcase from a genuine Samsonite outlet store in York during the Black Friday sales at the end of November. It cost £41 which I knew was really cheap for Samsonite as I already have a couple of their cases. I used the case for the first time during a trip to London in mid January, during which time the retractable handle broke while waking along a train platform (so much fun!). I took the case back to the Samsonite store where I purchased it, and was told it would have to be sent away for repair as it was more than 6 weeks since I bought it. I've since received a voicemail from the store advising that the case could not be repaired, and to visit them to discuss. I'd really like to know what my rights are before I travel to the store (which is 90mins from where I live, so I need to be prepared), as to what I can get as a replacement. I do not want store credit or my money back, as I know I won't be able to buy a replacement suitcase without putting a lot more money towards it. As far as I can see the suitcase wasn't fit for purpose, and I'd like a replacement at no cost to me, but is this what I'm entitled to? Any help would be much appreciated so I can be prepared to fight my corner. Thanks Claire
  3. Morning Everyone, I have decided to try help my family members out looking into what I believe is a secured loan. Apparently it first got taken out in 2007 with First Plus and it is now with Elderbridge. They have been paying the payments as usual for the last 12 years. The amount borrowed was £25,000 and after paying for 12 years the settlement figure is £20,000. How can this be possible! I sent Elderbridge a SAR request and all they have sent is a 5 page statement of payments since the loan was taken out. Now I am by no means an expert but surely a lot more information should have been sent! They got absolutely nothing else. What kind of things should I be saying in the next letter? Also was I right that you no longer need to pay the £10? They are willing to pay it but I just thought I had read somewhere that this was not required anymore. Any help would be appreciated, Kind regards Tink
  4. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdraft together as one debt, and the remaining loan as another. Since the default in 2009, I have been making token £1 monthly payments to Metropolitan Collection Services; I have since moved house a few times and hence had no contact with them. Aiming to sort things out once and for all, I joined this site, and under some much appreciated advice, sent out a CCA request to Metropolitan last week. First Direct have responded, sending back my CCA letter (but keeping the postal order???), saying: The letter is not signed (didn't think I needed to) - they want me to provide a specimen signature My current address does not match their records (it wouldn't as I have moved, but my credit file address is up-to-date) - they want me to provide the old address to match their records. From this, I gather that FD still own the debt as Metropolitan did not write to me. As mentioned, my credit file is up to date with all addresses. Does anyone have any advice on how I should proceed? Are they trying to delay and does the time limit of 12+2 days still apply? Or, are they valid in their requests? Any help much appreciated Thanks AM
  5. Hi, I was wondering if someone could enlighten me on a first registration on a new car please. The car I opted for a couple of weeks ago has had to be factory built. The dealership estimated the delivery date of end of April, (would let me know mid-March when date of delivery would likely be). Fast forward to this week I get confirmation in an email that the car has been built (!) and is on its way to the dealership, and will be in touch in the next couple of weeks to arrange collection. Great stuff, but due to this would the car still be classed as the new 19 registration? If it's now ready and on its way can I still 'delay' the collection in a way that I have it at new registration? Sounds fickle I know, but I did want a 19 reg when I opted to buy (not a 68!). So I'm not sure how it works as I wasn't expecting the car until at least April time. Any advice would be appreciated! Many thanks
  6. Hi All, Just had a quick read of the other threads but haven't found anyone in this exact situation. Background: I signed up to Bannatynes back in Nov 18. Living in Edinburgh and starting a new job in Livingston (right next to the Bannatynes) I was delighted to find that both gyms were in the same "tier" for cross usage. I was given the tour by the membership girl who told me all about this and advised me to sign up online (weird? they're usually very pushy to get you to sign there and then). When I went to do so I noticed that it was £3-4 cheaper per month to sign up at Edinburgh as opposed to Livingston, even though I would be using Livingston more often... no brainer. I signed up to a 12 month membership. I then used both gyms without fail for around 2 months until mid January when attempting to enter the Livingston gym for the first time in 2019 I was told rather abruptly that Livingston price had increased and in turn they had gone up a tier, therefore I was not allowed entry as I was a member in Edinburgh, which is a now lower tier. I was told if i wanted to continue using Livingston I would have to upgrade my membership at an additional cost of £10 per month. I called head office and received the following response: Having read their terms and conditions, I then went back to them with the following: They have now replied to me by telephone and essentially told me the following: Cross usage is offered as a gesture of goodwill. Tiers may be subject to change without notice; Written confirmation did not need to be provided as I am a member at Edinburgh not Livingston; My notice to cancel has been refused as this does not come under any of their "valid reasons to cancel" They have offered a reduced "upgrade" of only £5 per month extra ​ I have been more than fair with them on the phone and said I am happy to give one months notice and pay any reasonable admin fees. They have escalated this to their manager who has declined my offer to cancel. I am now not sure what to do next. It seems I have the following options: Not upgrade and only use Edinburgh (not practical); Upgraded and continue using Livingston (don't want to pay any extra); Cancel DD and face the consequences (unsure exactly what could happen); Try to claim I am relocating outside a 15 mile radius of any gym; Repeatedly break gym rules until they cancel my membership. Any advice would be much appreciated. Thanks, Craig
  7. Bus operators in West Yorkshire are part of the Bus 18 initiative which was set up by the West Yorkshire Combined Authority. It guarantees a free travel voucher to bus user who are "not happy with their journey". I have submitted claims under this guarantee for buses that haven't turned up, and buses that have been late but have never received a free travel voucher. First Bus say they deal with all complaints in 14 days, but I've had nothing after 2 months. Has anyone had experience of claiming under the Bus 18 scheme? How long did you have to wait? https://www.westyorks-ca.gov.uk/bus18
  8. Apologies to all I should have posted here first. What an informative forum, I have been having sleepless nights over my debt problems, thanks to the Cabot mob:x Feels like someone has my back here and help is much appreciated. Thank you.
  9. I had a secured First National Bank loan in the late nineties which I believe had PPI. At the time FNB was owned by Abbey National/ Santander. I submitted a PPI enquiry to Santander but they only came back with details of my old bank account with them. I believe that FNB were purchased by GE Money at some point. Should I be making my enquiries with them?
  10. Hi, Could someone give me some advice please? I started working for a company in May 2018. I started as a temp from an agency with a weekly payment. This was supposed to be for 3 months, then if we performed well, they would interview us, and potentially keep us on. I was told I was given an interview in August, and they decided to offer me a permanent position, advising I would go permanent from September. I was then told as it was so close to the payroll deadline, they would ask the agency to keep me on as temp for the month of September, and would actually make me permanent from October instead. About midway through October, they asked me to fill in a couple of forms and email them back within 2 days, stating otherwise I'd cut payroll cut-off and would not get paid. I filled these in and sent them back on the second day. I got an email back saying I had missed payroll as I should have sent it before 5pm. There was no such detail in the email I received. I had also asked my manager to send the form back for me as it had to be signed, and my manager had sent it after 5pm. They then said they would look into organizing an emergency payment for me. Then I got told they had not sent me a bank detail form by their mistake. I filled it in and sent it back straight away. I was never sent the bank detail form so it was clearly their fault. I had presumed they would get the details for my bank details from my agency who had been paying me previously, so it didn't raise a concern for me. Now the company is saying they will go to the CEO and see if he can authorize the emergency payment. The company seems to be putting the blame on me, even though I have done nothing wrong and it is completely the company's fault. If the company comes back and refuses to pay me for October until the following month, what are my options? Any advice will be much appreciated. Aaron
  11. Hi All If FD merge my overdraft , credit card and loan I into 1 debt . Does this make the debt unenforceable ? Many thanks
  12. Left Dubai in summer 2016 having been made redundant, took wife and 3 month son to place of safety (not UK) fully intended to return to UAE and find new employment, as i had insurance against the loan. I never intended not to pay the loan. However. Bank immediately froze accounts, refused to process Involuntary loss of income insurance i had taken through them and demanded full settlement. This is an unsecured loan not a CC debt. They stated i had to be in the country to process the insurance? i asked them to send me the T&C which state this. They refused. I left enough cash in the account to meet payments for 8 months regardless, had they processed insurance a further 6. Usual story here, i continued to communicate with the bank directly by telephone and by email, they wouldn't accept any scenarios or payment plans other than full. I secured a new job offer in UAE and stated i could return and continue to make payments if they would confirm no court action had been taken They refused to do simply stating case filed. As i result i could not risk returning and being arrested, this would lose me the job and what then? no good for me or them. I returned with my family to UK in Spring 2017 having got a job, that job ended in June 2018 and still not working. (my wife is keeping us afloat) - I continued to email the bank asking if i could come to payment agreements, again they refused anything other than a full settlement! Crazy. i received a number of threatening calls to my work place from debt collectors in Dubai (coincided but i cannot prove with losing job) I started to then get emails and letters from IDRW including threats. I did not respond I have now had the same from CWD ... first emails and a letter, and now attaching a SD to an email. (i have not had this by post or served in anyway) They include the statements from the bank. They included a terms and conditions relating to credit cards (i had 2 but i settled these)they did not include and t & c for the loan as i can see. this was this week i have not responded. I own a property with less than 5k equity in it, which would be wiped out under the terms of the mortgage for a further 4 years yet. I have CC debt in UK which we are managing. Im not working through ill health now, but hope to be back fit some time soon From what i have read i should continue to ignore unless they serve the SD or take other court action? obviously a little stressed. Thoughts?
  13. Hi guys, On the 12th of september I had just had a mis-carriage and been discharged from hospital. I also had a flight that evening at 9pm to a family wedding in spain. I rushed to primark to gather last minute things; whilst grabbing clothes i was struggling to hold all my shopping and couldn't see any shopping bags near me so i places a PJ set and a bra into my actual handbag. Through the stress and rush I went to the cashier and paid for everything in my hand which was (£40+) and did not pay for the two items in my handbag - which is a huge oversight on my half (but i was very stressed and under a time deadline.) I was approached by security staff who told me i had not paid for items in my bag which i instantly gasped at and offered to pay. However, at this point I can not recall if I had technically left the store as I do feel as if the security had approached me just by the exit. I was very cooperative as I was trying to catch my flight - however one of the security officers was making me feel very uncomfortable telling me how pretty i look and asking me loads of personal questions (which i refused to reply to as I did not see the relevance to the issue at hand.) He then began getting rather rude with me and I asked to see the cctv footage to see if i had actually left the store without paying. They refused to show me the cctv and threatened with police. Which on a normal day I would fight but I had a flight to catch and just wanted the day to be over. I have now received the infamous letter from RLP asking for £150.00!! Just wanted to know what steps I could take forward? Do I send an appeal? I actually am moving to NYC and dont want debt collectors coming to my family home whilst away. Thank you!
  14. Engines First LTD (NORFOLK) I need help i am having problem with this company after googling found out this is dissolved company and still trading on 1stchoice.co.uk with five star rating. I ordered my corsa diesel engine on Monday morning the guy said engine will be with me by Wednesday or Thursday and ask my email for sending invoice but after numerous calls still not received any email. On Tuesday i rang them again to ask if they dispatch the engine yet or not but the guy put me on hold then said he will ring me back in 10mins waited an hour but no call the same thing they were telling me about sending invoice, whenever i ring them they say ok we going to send you but no sign of any invoice or email. After an hour i rang back and been told that engine not available anymore ok i asked cancel this transaction he said ok i issue refund now. After an hour i rang bank and ask if he actually issued refund or not, bank told me he cant issue refund because money still not cleared all he can do is cancel the transaction and money will go back to your account. I rang him again and this time he was bit rude and said why you keep ringing us we issued refund and you will get money back to your card. Today Wednesday i checked my bank and money left my account completely and the company name appears as 'The Engine Company Norwich'. Rang card company and been told nothing has been requested from the seller so seller not issued any refund at all as he said yesterday. Can anybody give some advice on this. Thank you
  15. Hi all Today I had a moment of insanity, wanted to buy some pants for my daughter, thought £5 was a bit pricey for one pair of pants for a baby and added another pair to the hanger, went to the checkout with my other items paid (only for 1 pair of pants as store operative did not realise what I had done) then left the shop. On leaving the shop saw the security guard and a staff member speaking to him who then immediately looked at me - but no one tried to stop me.. I immediately regret what I did and can honestly say it will never happen again. I would happily go back and pay for the item which is only worth £5. I have a history of anxiety and have not stopped panicking since I left the store. Worried the police are going to turn up and arrest me - that I’ll go to jail and my 3 month old baby will be taken away from me.. I can’t believe I was so careless and stupid over £5! Anyway question is - will the above happen? Am I likely to have the police turn up or will I get a letter with a fine in a few weeks if anything is to come of it? I don’t even know if it was just coincidence the staff member was looking at me while I exited. Surely if it was suspected I would have been stopped then and there? I know it was wrong it won’t happen again just looking for advice Many thanks
  16. UK first: Parents who lose a child entitled to bereavement leave READ MORE HERE: https://www.gov.uk/government/news/uk-first-parents-who-lose-a-child-entitled-to-bereavement-leave
  17. Thank you for your time and advice. We're looking for some general advice on this issue regarding my partner who is off work with depression caused by her workplace. The employer has told us they will visit this Thursday to "discuss her absence". Here's a bit of the back story: Mt partner is a Cleaner. She is off work due to depression, this was caused by her undergoing treatment for recurring miscarriages and her Manager moving her from a job she was happy in to another part of the company where it is very quiet, no interaction and a totally different world than where she had been. My partner asked to be moved back but was told it is not possible. She thinks she was only moved because her Manager had to cover 6am to 7am as she couldn't get into work for 6am. Funnily enough, the person who took my partner's old position starts at 6am (!) Events and Mismanagement that has led to my partner's Depression: 1. She was late for work twice when the buses here were effected by a huge amount of roadworks (which was front page news). Her bus simply didn't turn up two days in a row and she had to wait for an alternative bus (the following days she caught a taxi rather than lose her job). Both times she rang the Manager and let her know. All seemed okay until over 2 weeks later when her Manager issued her with a stage 2 warning for absence (not even a 'late'!). Luckily I was able to speak directly with the city bus manager who kindly emailed a letter explaining the missing buses and her Manager took the warning off her record. It was like a letter from Mummy for not having a PE Kit! 2. A few days later (revenge?). My partner received a printed warning document detailing things that would need to be improved in her cleaning duties. These included a set of stairs that experience 24-hour high traffic from hundreds of staff which she was warned were dusty and dirty. She was told another inspection of her work would take place on 4th April and if it wasn't satisfactory a PIP Procedure (warnings that can lead to dismissal) would be put in place..skipping the written warnings stages completely! Two weeks later she had the Thursday 23rd and Friday 24th March 2017 off as holiday. My partner went back on Monday 27th March 2017 and was called her into her Manager's office and told that the showers had body-fat in them, even though she had worked hard to make everything A1 before her days off. Her Manager then said "Just because you signed that warning, doesn't mean you can F?cKing slack off anywhere else!" (Bullying?). 3. Two days later (29th March 2017), My partner had a small operation to investigate the fibroids the hospital believe have caused her recurring miscarriages. She was not allowed this as unpaid leave and had to work before going to the hospital. She had to go work the day after the operation too. On the day after the operation she was taken home by the people she cleaned for in FOST and they phoned my partner's Manager to complain; which no doubt will be mentioned in the absence meeting and my partner blamed for it! Anyway, that date was 30th March which was the last day she worked and has been off with depression since. 4. On 24th April we received the letter saying they'll be coming to our home on 4th May 2017 to discuss her "illness, current health status, long term diagnosis, current abilities and when you might be fit to return to work. And also to gain authorisation to contact your GP for a medical report." - We appreciate any advice you can give and for reading this long post. If you can advise on what we should do at the 'Meeting to Discuss Absence' and whether we should print off this post and discuss it or if that would probably mean them finding an excuse to get rid of my partner? She has had depression all the time she's worked there (10 years) and never had long-term sick so could they sack her for depression knowing she has it anyway (last year she had a miscarriage and went sick with depression) Would she have the right to be asked to be moved and, if so, would they have to move her to a post that has the same hours/amount of hours? Staff who have complained in the past have always ended up sacked Finally, their letter says she can have a member of staff/Union Rep (unfortunately not in a union) at the meeting but I intend to be their. It is our home so can they say I can't be there? We will also be recording the meeting, as it is our home do we legally have to tell them so?
  18. Royal Navy gets first unmanned minesweeping system READ MORE HERE: https://www.gov.uk/government/news/royal-navy-gets-first-unmanned-minesweeping-system
  19. I have a bit of an awkward situation that I can't see anywhere else. I had amassed some debt and in November 2015. I contacted a debt charity at 4am by email and they locked into action immediately and helped me. By 14 December 2015 an IVA had been agreed between the financial company and creditors and now paying that without having missed any payments. However, in the November, whilst my IVA was being set up, I was advised to move my bank account from Santander as they would likely lock my account upon receiving this email IVA request notice. I moved my account in November 2015 to First Direct. The account they provided me with was a Credit Account with a £500 overdraft and I applied online with no prompt to read any T&C's that I can remember and no paperwork received with the exception of my bank card and it's pin. In the first couple of months I had planned with my financial advisor handling my IVA what debts to include. To help reduce the IVA amount, I used most of the £500 overdraft on the First Direct account to clear one of the debts and then I would work the overdraft down over time. Out of the blue, and with therefore no notice, I received a letter from First Direct in March 2016 stating that they would close my account because I was in an IVA and this breached their current account rules and that they would close it in May 2016, giving me 2 months notice. I rang First Direct immediately upon receiving the letter and was essentially told to pay back the overdraft before the account closed and that was my only choice. In May 2016 I rang First Direct again and explained I was still in IVA as they know so couldn't pay off my overdraft in one go like that and had planned to work it down over time that had now been taken away from me at their choice. I was told that they would send me a form once my account closes to complete to set up a repayment plan that would be affordable to me and take into consideration my IVA. This is where my problems began to escalate. I never received any form from First Direct. I emailed them to ask for it in June and July 2016. received responses stating they couldn't discuss my account unless I rung them, which I was suspicious about as surely they must contact on the method I request? I managed to go out of my way and visit a HSBC some miles away and ring them. They agreed to send me the form that they hadn't sent previously. I then waited some weeks and received no form again. Instead, some weeks later I received a letter with a debt collection agency header on it asking for £512 that I now owed. I replied by email, copying in First Direct, explaining that I was still awaiting the repayment form and then never received a response from First Direct nor the Debt Collection Agency. Some weeks later I again got a letter from the Debt Collection Agency, again replied by email copying in First Direct and attaching my previous email and again never got a reply. A couple of months later I then received a letter with a different Debt Collection Agency header. Again I replied with the same email, attaching previous emails and copying in First Direct, and again I received no reply from anyone. I then sent an email to First Direct a few times over the next few months asking for the form and kept getting the same response as before, that they cannot discuss my account. In mid April 2018 I received a letter from Cabot Financial asking for repayment of the £512 for the HSBC debt and that they had bought the debt in August 2017 but weirdly apologised for taking until now to write to me about it?! A day later I received a letter with HSBC header dated BEFORE the Cabot letter chasing repayment for £512 debt. a couple of days later I received another letter dated AFTER the Cabot letter from HSBC saying they had now sold the debt to Cabot and to now deal with Cabot on it. This all seemed very odd to receive these 3 letter within a few days, seemingly contradicting each other and confusing, one claiming Cabot had purchased the debt in August 2017 and one with HSBC dated before the Cabot letter asking me to repay them (and not Cabot). I have replied by email to Cabot and asked for no email or telephone contact and no visits to my home and that I would only correspond in writing and that I would write to them in time on this. I'm now in a position where I am looking for above on what to next. Any help would be much appreciated!
  20. Rededication and burial services for first world war soldiers READ MORE HERE: https://www.gov.uk/government/news/rededication-and-burial-services-for-first-world-war-soldiers
  21. We are a group of leaseholders who are in the process of trying to enfranchise. We have just discovered a law whereby the leaseholders are supposed to be offered the first right of refusal if the freehold exchanges hands. Having done some research, our freehold was sold in 1997 and we were not offered it at all. Our solicitor seems not to comprehend the significance of this ruling and believes we would only have had the right to pursue this during the first 6 months of having discovered it was sold. Where do we stand now? Are we able to go to court and purchase the freehold for the price it exchanged hands in 1997 or thereabouts? Are we able to use this Ruling to our benefit whilst negotiating with our freeholder on the price of the freehold? Advice appreciated! Thanks.
  22. I hired an arbitrator as an ADR between me and my accountant. However it turns out that the contract between me and my accountant does not have a clause for arbitration. The arbitrator took on the job without checking this. He says he doesn't work for free! Given that almost all other professionals would do such a check, as it saves a lot of time - is there is legal requirement for him to do this check?
  23. Good Afternoon everyone, Like many before me, it appears I have run into a few issues dealing with Harlands and CRS. It all started when I tried to cancel my membership with Xercise4Less. Having naively believed they had accepted my cancellation when I filled out a form in my gym, I got a nasty surprise some months later when I found they continued to take £14.99 a month out of my account. I then found a way to cancel online and cancelled my direct debit too to ensure they couldn't take any more money from me. Six months later, and I start getting emails from Harlands and CRS demanding £186 and, while I have no intention of paying and am well aware of their limited powers. I'm unsure what to do next. I have moved house since i took out the gym membership so I'm yet to receive mail or a phone call directly to my house but I'm quite keen to nip the emails in the bud before it gets out of control. I'd be eternally grateful for any help or advice that could be offered on this forum. Kind Regards, Joshua
  24. I see that they are being taken over by Shell, hope their customer service improves!!
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