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Found 14 results

  1. Took a fixture out of it's packet and didn't pay for it when I bought other items of shopping at a national DIY chain. Was stopped at the exit by 2 staff. One wearing shop attire,the other plainclothes. I was asked and immediately admitted the theft. The uniformed staff asked me to come into the store. He took me to pay for the item with the packet I had discarded. I paid at the card self service point. He then asked me for photo ID but I only had my bank card. He accepted this after the other plainclothes staff indicated it was OK. He seemed to take a photo of the card with a phone. He then asked me to come to the booth so he could take a photo of me with the phone. He didn't ask for my address or any other details. I asked him where the photo went and he said ' crime line'. I said what's that and he said not to worry, that's it, you're fine to go.. I think he could see I wasn't quite with it. After this he said I was fine to go. I said I was sorry for being a fool and he said don't worry we all get tempted. It was all quite odd. .I'm not in the best state of mind due to redundancy, no excuse for theft. . my head isn't quite all there...so wasn't asking the right questions at the time. I presuming that I wasn't allowed to just pay for the item and there is no more consequences? Are there further ramifications? ..and what is crime line? Plus it looked like he was using a mobile phone for his photos ..like his own mobile. .i know this sounds laughable but that can't be correct can it?
  2. Hi Everyone, In November I have bought a car for my wife, but she said she wants something smaller to drive, so I decided to sell it. I was a legal owner of the car, V5 was on mine name and address. I'm not a car dealer, it was a private sale. This is a copy of my ad on AutoTrader: "Features & Description: 85k Miles with Full Ford Main Dealer Service History, Long MOT, Low Insurance, Cheap to drive, HPI Clear, 2 Keys, Excellent Overall Condition, Clean Inside and Out, Some Little Age Related Scratches but Nothing Serious, No timewasters, tyre kickers or business offers, please., Full service history, Next MOT due on 21/09/2015, Electric windows, Air conditioning, CD player, Height adjustable driver's seat, Folding rear seats, Metallic paint, Spare wheel (Space-saver), Power steering, Steering wheel rake adjustment, Steering wheel reach adjustment, Traction control, Central locking, Alarm, Immobiliser, Driver's airbags, Passenger airbags." Guy came last Tuesday, before, he asked me on the phone about any issues, I told him about scratches, high clutch( which worked ok, with no slips etc.) He was happy and came to see it. On my driveway he was examing the car very deeply, he checked everything, car itself and all documents. I was trying to be as honest as I could, told him everything about the car, I showed him all scratches, scuffs etc. We have been on a test drive, we did about 10miles using town roads and motorway. The car worked as it should, to only issue was a hardly noticable something like a "whizz" on the 5 gear. We both agree that is nothing serious, everything worked properly. (When I bought a car my mechanic also checked the car and he didnt find any faults) After that buyer was very happy with my Ford and we made a deal. We have signed a Car Purchase Contract, where one of the point is: - "The seller undertakes to carry out work on the car" - He ticked NO and also - "The buyer accepts the car with specified faults" - He ticked YES Then he took the car and drove it home (about 200miles!). Five days later (last Saturday) he phoned me and said, that I sold him a damaged car! He had big difficulties on his way home, then he went to Ford garage where been told that there is a leek and some fault with the gearbox and it will cost 1200 Pounds to fix it! And he already spoke with lawyer and if I not cover that bill he will meet me at court because: a) I sold him unroadworthy car. I found on Citizen advice bureau website that: "A vehicle is unroadworthy if using it would cause danger to the driver, passengers, other road users or pedestrians. Common signs that a car may be unroadworthy include: headlights that don’t work faulty brakes cracked wing mirrors worn out tyres seatbelts that don’t work properly a faulty exhaust system." So I cant agree with him, all these where work perfect and the car was safe to drive, he also checked the car very carefuly and was really hapy with it b) He sais the that ma car didnt match the description from Ad, because i stated that "car is in excellent overall condition" which I in my opinion was on Tuesday. It wasnt perfect ( I said to this guy many times that car is not perfect, there are some scratches, high clutch, cause its 6 years old, and 85k miles, but still looks and drives very well,he was ok with that) c) He said that I wanted to sell it after a month, because I knew was faulty, what is completely not true. Do I need to worry? When I was selling car everything worked as it should. I didnt force him to buy it! I am also wondering why he didnt call me on Tuesday, when like he said: "Had big problems with driving this car home" ? Or even next day? Its weird for me, and I dont want any problems, pay any money, or going to any courts. If You could give me any advices I will be very grateful, cause I didnt sleep last night because of that. Thanks. Jack.
  3. Virgin Media Internet access is down for the whole area I live in, spoke to them a few hours on the phone, they said they are 'aware of the problem' and it should be fixed soon, this was over 5 hours ago! I'm at my sisters using her internet to post this on here, what can be done for Virgin Media to get off their backsides and fix it?
  4. Hi, Im not sure what it is im looking for in asking the question whether Newlyn are fixing prices. They say i owe £324.54, giving their breakdown that i asked them for the said as follows; TOTAL BALANCE INCLUDING FEES £835.04 TOTAL PAID £510.50 BALANCE OUTSTANDING £324.54 i asked for the breakdown of the balance and they said VISIT ONE £24.50 VISIT TWO £18.00 LEVY FEE £42.16 (they say they levied the car outside my house, but they gave me the wrong details it was not my car ) ATTENDANCE/VAN £136.00 Their fees come to £220.66 Leaving £103.88 I asked the council for the total of my liability order which they said was COUNCIL TAX DEBT £188.54 I have paid most of my council tax online instead of to the bailiff, these sums dont add up, are Newlyn fixing these prices, they dont seem to know how much i owe the council
  5. Evening all, I'm trying clear up my credit file. Is there a blog here anywhere someone can give me a link to which explains step by step on dealing with credit card and loan companies. I currently have on credit file: Vanquis credit card, owing £435 in default. Second I've had with them, the last being cleared after default. No PPI, so what charges can I claim back? Them can i get them to remove the default if I'm on a payment plan should there be any balance left. How do i go about getting any charges back? Last payment Jan 13 Lowell £247 in default for around 3 months. Assuming this was a Cap1 card I had, not made a payment for 18months. Does this mean Lowell now own the debt? If so who do I contact regarding getting charges back? Amigo loans £4405. Guarantor loan so I keep paying. unless anyone knows of any valid reason i could be paying something i shouldn't? Really don't want to take these guys on with anything as it would be unfair on my guarantor. Provident doorstep loan with £889 outstanding. Last payment 12 months ago. Again, if i come to a payment plan could I get them remove default status from my file, or is there anything i should look to claim back? Thanks for all advice to be given.
  6. BT have provided us internet for the last 5 years. It is a slow connection (0.5->1.0Mb/s) because we live 5 miles from the exchange. These speeds we have always accepted as we live in a rural area. In the last few months the internet keeps dropping out and slowing to 50Kb/s. At this speed the internet becomes all but unuseable. BT can fix this temporarly by "resetting profile" at exchange but problem always takes several days to resolve then comes back again in 2-3 days. Now they are saying line has degraded and they will not repair the line and offer to terminate my service. This would leave us with no internet connection at all. Can they do this i.e. not repair a service they have provided for 5 years?
  7. I went to the Curry's store in Coventry last Friday to buy the Samsung UE40F800 LED TV. Priced at £1349, I noticed Curry's do a price match, so I scoured the Internet and found a company in Birmingham doing the exact model @ £1027.00. I asked the store manager to look at the deal and honour the price match deal, but to no avail. It would seem that Curry's have a price fix on their TV's where they offer a FREE 5 year warranty which is NOT free. In fact, this is inclusive. All TV's come with a manufacturers warranty, and under the consumer act they should be fit for the purpose, even after the warranty has run out you would still have a claim against the manufacturer. WE the consumers should not be FORCED to buy products with extended warranties, and this price fixing is against the law. I sent an email to Curry's customer care on Friday advising them of this, and they did not respond, but no surprise. My next action is to notify Trading Standards and the BBC watchdog to make them aware of their price fixing. NEVER AGAIN will I purchase from Curry's
  8. US regulators have reportedly been handed evidence that traders at some of the world’s biggest banks manipulated a key rate for derivatives, pocketing millions at the expense of pension funds in the process. The Commodity Futures Trading Commission (CFTC) is probing 15 banks over allegations that they instructed brokers to carry out trades that would move ISDAfix, the leading benchmark rate for interest rate swaps. Pension funds and companies who invest in interest rate derivatives often deal with banks to insure against big movements in the ISDAfix rate or to speculate on changes to interest rate swaps ISDAfix is published each morning after banks submit bids for swaps via Icap, the inter-dealer broker, in a number of currencies. The CFTC has been investigating suggestions that the banks deliberately moved the rate in order to profit on these deals. Given the hundreds of trillions of dollars worth of interest rate derivatives trades that occur annually, even the slightest manipulation can have a substantial effect. The CFTC, which started to investigate ISDAfix after last summer’s Libor scandal has now been handed emails and phone call recordings that show the rate was deliberately moved, according to Bloomberg. Barclays has reportedly handed the CFTC information, while employees at Icap and Citigroup have also been questioned. In its interim results statement yesterday, Royal Bank of Scotland also said it was co-operating with authorities regarding the investigation. More: http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10219333/US-regulators-find-evidence-of-banks-fixing-derivative-rates.html
  9. The Financial Services Authority, is investigating claims by a whistleblower that Britain's £300bn wholesale gas market has been "regularly" manipulated by some of the big power companies, exploiting weaknesses that echo the recent Libor scandal. Separately, the energy regulator Ofgem has been warned by a company responsible for setting so-called benchmark prices, ICIS Heren, that it had seen evidence of suspect trading on 28 September, a key date as it marks the end of the gas financial year and can have an important influence on future prices. http://www.guardian.co.uk/business/2012/nov/12/libor-like-manipulation-gas-markets
  10. rdm2006

    Rate fixing

    Are there any figures anywhere that show how rate fixing has affected mortgages loans etc
  11. Police take documents from Barclays in Milan, as they investigate possible rate-fixing of the euro version of Libor. Italian police have taken documents from a Barclays office in Milan as part of a probe into possible Euribor rate manipulation, according to Reuters. It said the raid occurred as regulators investigated fixing fears of the eurozone equivalent of the scandal-hit, London-based Libor inter-bank lending rate. The search was ordered by prosecutors in the southern city of Trani, who have opened a criminal probe into the possible manipulation of the Euribor rate. The move comes after complaints were filed by two consumer groups, Adusbef and Federconsumatori. Two judicial sources also confirmed the raid occurred last week, according to Reuters. Documents, computer material and emails were seized, the consumer groups said in a joint statement. They said the Milan raid occurred "with the aim of looking for evidence that Barclays also manipulated Euribor, as it did with Libor, with a negative impact on mortgage rates paid by Italians". More: http://news.sky.com/story/967142/italian-police-raid-barclays-over-rate-fixing
  12. A warning that Libor needed to be better regulated was given to the Government by the City watchdog nearly two years ago – but its advice was ignored and excluded from the Coalition’s flagship financial services legislation. Disclosure that the Financial Services Authority told the Treasury of failings in Libor and the urgent need to have it monitored by the watchdog itself or by the Bank of England comes as the Government has just ordered a fresh investigation into Libor by the FSA. Insiders say this will almost certainly retread the ground of the earlier report. The fact that the Government appears to have ignored the FSA’s recommendations leaves it open to accusations of piloting a major piece of financial legislation that disregards clear failings in City practice. This is exactly what the Coalition has criticised the previous Labour government for doing. Read more: http://www.dailymail.co.uk/money/news/article-2170152/Coalition-ignored-Financial-Services-Authority-warning-rate-fixing.html#ixzz203dReFGq
  13. The Royal Bank of Scotland has sacked four traders over their alleged involvement in the Libor-fixing scandal, it has emerged. BBC business editor Robert Peston says the dismissals happened at the end of last year. RBS is one of a number of banks being investigated for possible rigging of the key bank lending rate. The news comes days after Barclays became the first bank to be fined for false reporting of it. Barclays was fined £290m ($450m) after the Financial Services Authority (FSA) found its traders had lied about the interest rate other banks were charging it for loans. Giving a lower reading than the true rate would give the impression other banks thought it was a better risk to lend to than it was. Libor (London Inter Bank Offered Rate) is the rate at which banks in London lend money to each other. More: http://www.bbc.co.uk/news/business-18665508
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