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  1. I am having an issue with a very slow moving solicitor who is the executor of my mother's estate. In an attempt to be proactive I have just been looking on the government probate search site (https://probatesearch.service.gov.uk/#wills) and on there it shows a Probate Number and a Date of Probate for her will. Does this mean that - the probate process is now concluded and the funds from her estate can now be distributed? - does it indicate that the process has been started and that the case has been assigned a number but that is it not yet completed? Thanks in
  2. I'm not sure if I am in the right area, but hope someone can re-assure us we are doing the right thing. I am a leaseholder in a block of retirement apartments. Two years ago, with 100% agreement of all leaseholders in the block (70) some residents acquired RTM and after lots of visits to other blocks, and doing all the checks they could, the RTM company employed a new MA. After 12 months they decided that these new MA's were actually worse than the original ones, so they terminated the agreement after 12 months by highlighting breaches, using a solicitor. They then employed another
  3. Really hope someone can give me some advice! Took car to garage explained front wipers only working on fast and had done some research online but not sure if problem was the wiper motor or switch? asked to diagnose problem for me. Garage called back next day to inform me they had checked the motor and switch and that the problem was actually the ecu. Advised it would need to be sent away to be fixed £175 and gave me an estimate of £300ish total including labour and car back within a week. Two weeks later after 3 phone calls for update but none given, they inform me that
  4. i got the letter today informing me that tfl intend to prosecute and i can either plead guilty and not come to court , plead not guilty and come to court or plead not guilty and attend a trial. They have charged me with the following: On (date), you did enter a compulsory ticket area without having with you a valid ticket. Contrary to byelaw 17 (1) of the Transport for London Railway Byelaws Made under Paragraph 26 of schedule 11 to the greater london authority act 1999 and confirmed under section 67 of the transport Act 1962. The situation was that when i tapped my oyster card
  5. 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
  6. Is it right that an online store (Debenhams) have got authorisation to take funds from my account for an item that they have now told me is not in stock - still advertised on their website as being in stock though. I completed the order and got email confirmation (although the T&C's say no contract is formed until the item is dispatched) and then shortly after received another email saying the order is cancelled. Are the online stock systems so poor that they do not update automatically. I have called my bank and I will not have access to the funds until the authorisation is withdrawn
  7. Hi All, Sent a parcel via Parcel2Go on behalf of My Hermes Parcel Shop, my scales showed the item at 0.98Kg however they have come back saying that was incorrect and it is showing as 1.4Kg and they want me too pay an additional charge of £1(for underpayment) then £2.49 (admin costs,) I have sent 100s of parcel using them and I said to them must of been a mistake and I will cover the underpayment but with the admin cost being 250% of the underpayment I don't want to pay it all they have done is sent an automated email to make me aware of this anyway (they say the held the package but they
  8. Hi, After applying for a payday loan, I got through to the final stage of the process - where the loan was confirmed and I would next hear from the company when the money had been deposited. 'My account' page on their website showed the loan as 'approved', but the application was still 'pending'. I had to speak to the company on the phone to confirm financial details before the money would be available. Following this telephone conversion I was informed that the loan would have to be declined. 'My account' page on the website now shows that I do not have any current or outstand
  9. Hi, After some advice if anyone can help. It's very complicated - well, at least it is to me as I'm totally out of my depth! I'll try to be brief... Back in 2013 I was on JSA and totally, brutally, skint. I had a small pension with Standard Life, the current value at the time was 10k. I received a cold-call from a company offering me a way to transfer my pension and release 20% of the value immediately. I was 38 at the time and even I knew that this was probably a bit dodgy as 55 seemed to be the only age this was allowed. But because I was so poor I figured that £2k now and worry
  10. A large amount of money was left to me in a will as the sole beneficiary and the amount involved is approximately £8500 and the lot was misappropriated by my brother who owns a house probably worth £200,000 or millions in his country. My brother had already been given a large sum of money prior to my father passing away. I need help drafting a very threatening legal letter with all sorts of legal terms to see if I get any reaction otherwise I will need to engage lawyers. My brother lives in South Africa however the law is basically the same even though it is based on Roman Dutch law. I
  11. Hi, I have an issue with Motonovo finance I'm hoping I can get some advice on. A couple of weeks ago we put a deposit down on a van with a dealer called Cars and Vans R us, we didn't actually see the van they said they were internet based only that all their vans are ex contract 1 owner, and at a different depot blah blah blah, they have a large presence on ebay and offer a money back gaurantee if you are not happy we felt happy to proceed. They also arranged finance for us with Motonovo, they bought the papers to our house to sign five day
  12. I placed an order on the 28th of October with Amazon for £289.99. I was trying to get an understanding of when the payment authority would be removed because it just happened to go out on rent day! I have contacted Amazon and Halifax and both have been useless. Wont do anything until it's due to fall off. It would help if I knew if it was going say tonight overnight or next Thursday as I have to push to find more money if they are going to take longer. Have called Halifax twice (cost £5) emailed Amazon twice. What is the standard
  13. Hello, I am new here as you can see, I am not sure where to post this question. My ex partner and I are members of the same credit union, about a week ago he contacted them making a claim that I had accessed his account and transferred money from his account into mine (apparently done a year ago) the credit union has reimbursed funds to him from my account and have extended my credit to pay him back. I was told previous to this I could not obtain a top-up loan until I had paid the current loan back in full, so how is it possible they were able to 'loan' me more money so-to-speak. I knew
  14. Does anyone have points of reference for failed pension schemes they could nudge me in the direction of please? No urgency (I'm 46 so it'll probably all change before I get there) For a little background, I paid into a scheme for 20 years to a total of something iro 60k, my employer ( I thought) was matching same but apparently took a few years off here and there and paid nothing into the scheme during its final 4 years. I received a notice from the trustees and L&G who now manage the fund about 4 years ago advising it was only able to sustain those already in retirement or
  15. Hi all. I have just done an accurate expenditure and income sheet which amazingly shows that we have £500 a month free. I don't know where it is in the real world, but that's what it says. My wife sent it off to BWLegal (it's her debt of £7k+) with an offer and it was refused. Their counter offer is that they want us to pay £375.98 per month which is 75% of this 'surplus'. Would a court find this a reasonable percentage!? If not, what would be considered a reasonable percentage? There are other debts, If I divide the total amount against an accepted reasonable percenta
  16. I have put myself off from writing this because I am already on this site in regards to another situation I am currently going through, and the two people who have been assisting me with that may well see this and think to themselves: “Oh God - not them again”. I left Glasgow in May 2009 with a council tax (ct) debt of, apparently, £1000, covering 3 ct years and 2 addresses. While at these addresses I spent a vast majority of my time unemployed, only being employed for 2 christmas temp jobs from Nov/Dec 07 and Aug/Dec 08. Other than that I was in receipt of JSA. When I left Glasg
  17. I do most of my self employed as a buyer for second hand cars and machineries and sends them to clients outside EU who also banks with Barclays. I had a barclays current business account that I've been using for the last 8 years got closed a month ago for 1 year dormancy without my knowledge. So un-aware of this, I gave the client the account number that was closed and when the money came to UK I couldnt access it. When I explained this to my business manager he suggested that the money could simply be transferred into my Business saving account that I've never used. So the o
  18. Barclays Ups Its Mis-Selling Funds By £1bn http://uk.finance.yahoo.com/news/barclays-ups-mis-selling-funds-072229626.html
  19. Hi all, I've been advised that I need to get a whole new bank account to prevent my money being taken by PDLs. Does anyone know of an account/ bank that allows you to deposit funds the same day to cover dd's etc? I'm currently with natwest who will allow you until 2pm to get the money in to cover a payment going out that same day, therefore preventing charges when I've forgot to put money in or miscalculated my available funds?
  20. Hello All, I just noticed last night that some money was missing from my account, (Santander), after speaking to the bank it turns out two payments have been made, apparently using my card, and chip and pin. I am waiting for them to investigate. The problem is I still have my card, and I am very careful with my Pin, how is this possible? there is no way someone cloned my card, and if somehow they did, they could not of got my pin as well!. I have read banks are blaming customers if funds are taken using chip and pin, and there may be a new kind of fraud around where fraudsters
  21. Hi All, Apologies if this is in the wrong forum - I couldn't find anything that exactly matches my problem. Myself and 2 others setup a company (we're each directors with 2 shares each and we have a shareholder who isn't a director who also owns 2 shares, so we own 25% each). The main problem we have is one of the directors is withholding several thousand pounds cash (from an event we ran) from the company and we're not sure exactly what we can or should do about it. We have several witnesses that the director has the money and we have an email that confirms the amount.
  22. hi, dont know if this is the right place to post this but maybe someone can advise. I recently saw some thomas cook vouchers advertised on a website for sale. I am trying to save money on my holiday as we all are, so I made an offer to the seller which they accepted. She said she wanted payment through paypal as this was safer all round for both of us. So I duly sent the money, including extra to pay for special delivery signed for. She said the money was received and entered a tracking number to show they had been sent. On trying to track the item i realised it was not a valid tracking code.
  23. Hello there, just found this website thanks to google As the title goes, my debt is too much to handle, and I'm currently on JSA due to redundancy some time ago, I've been struggling with payments, basically I've been getting 0% interest cards and shifting them over when I can, but I cannot continue in this way for much longer, its really making life hard at the moment, I owe £7k to Halifax £8k to Barclays and also other cards below £2k. I've phoned debt consolidation, they said they could get it down to £100 amonth (currently paying almost £400, but I use it bac
  24. http://www.dailymail.co.uk/money/cardsloans/article-2158352/Banks-siphon-refunds-owed-PPI-victims-square-unpaid-debts.html Are you one of those affected ? Post your story below.
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