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Found 25 results

  1. Debt management bosses banned after transferring half-a-million from own companies READ MORE HERE: https://www.gov.uk/government/news/debt-management-bosses-banned-after-transferring-half-a-million-from-own-companies
  2. I'm doing this on behalf of my other half (she's not on here) and if you have to move feel free Now I don't know the exact history of the account but her brother had a credit card (at least I think it was) Lowell have constantly been on the phone to them telephone harrassment bla bla the usual drill their solicitors (the so called solicitors) sent a letter apparently saying they we're going to go for a CCJ (but not sure if that's just a theratogram) the few other problems the person getting harrassed by them does have special needs (which won't be curable obviously) my other half went to the bank today and did find out that the account was closed on lloyd's end May 2012 so the last payment was god knows when also she said (I not sure) she said she signed a waiver last week apparently adknowledging the debt (which at the moment stands at 2376.32) The family don't have a lot of money so they would not be able to offer lowell a great deal per month (the account was sold on to them and lloyd's not taking anything to do with it)
  3. Debt management directors disqualified for a combined 11 and a half years READ MORE HERE: https://www.gov.uk/government/news/debt-management-directors-disqualified-for-a-combined-11-and-a-half-years
  4. Got a letter from Northampton Court on behalf of Harrow Council, demanding £195.00 for being in a bus lane on the 16/03/2015 at 11.28. I never received any letter from Harrow Council about this offence, the time indicated 11.28 is strange as the bus lane restrictions are 0700-10.00 and 16.00-19.00hr and this has always been the case since the restrictions were applied. The penalty charge notice gives the correct reg in the photo and you can clearly see the make of my car but vehicle make is stated as unknown. This is very strange, my question is how do I go about replying, I know I can state I did not receive the notice to owner to take it back to the first stage, nor appealing against the charge or receiving no reply to an appeal.. What do I do and why over two and half years to get this letter
  5. My partner bought a vehicle for £2650 from car dealer with no warranty on 7th March 2017. On 25th March 2017 the bottom end crank shaft went and we had to be towed. The garage said the work is minimum £1500 and we've shopped around and nowhere can do it cheaper. The car dealer said that is an extortionate amount for what needs to be done and has agreed to pay half. Leaving us to find £750 to pay for the rest. My partner is about to agree to it as he feels he's had enough stress with it but we're having our first baby this year and really can't afford it. Is there anything we can do? Do we have the right to fight?
  6. I have been sacked one and a half weeks into a two-week trial period. The employer says that, because I only worked for a short period, he doesn't have to deduct tax and Ni from my wages. I was working a 37-hour week for which my pay (due at the end of March) was £7.50 per hour. My employer confirmed this in an email to me before I started work. I was directly employed (not through an agency) and was not self-employed. My questions is this: Is the employer legally obliged to deduct tax and NI after such a short period and does he have to give me a P45? Also, what can I do if he doesn't do any of this? I am from Eastern Europe and feel that the employer is deliberately attempting to recruit EU citizens for a short period and avoiding his legal obligations to pay tax and NI. There was nothing wrong with my work. I believe that it was all along his intention to sack me and that this is ongoing company policy towards temporary employees. Your help on this would be much appreciated.
  7. Hi folks, So I am not to experienced dealing with letting agents, their reputation for lack of morals has me avoiding contact if necessary. I have an agent who intends to charge me a relisting fee of 400 pounds if I were to end my contract 2 months early. Yes it is legal in the contract as per their outlined conditions. "If the tenant vacates the premises during the term apart from according to any agreed break clause which is included within the agreement the tenant will remain liable to pay the rent and any other monies payable under this agreement until the term expires; or the premises are relet whichever is earlier.In addition an administration charge of £400.00 (inc. VAT) will become immediately due to cover the landloard's cost of remarketing, reletting and administration costs. Please note that this early termination must be agreeable with the landlord." So it looks like they have me by the balls there. BUT Upon closer inspection I see that in the shorthold tenancy agreement I also find the following: The tenant shall pay to the Landlord or the Landlord's agent *NAME REDACTED* by way of rent the amount of £550 per half yearly by Bank Standing Order to: *NAME REDACTED*. So I am paying £550 per month, but they say per 6 months/half yearly. Am I legally only obliged to pay £550 every 6 months? Many thanks from a destitute university graduate.
  8. An investigation has come to light into missing correspondence about patient care. https://www.theguardian.com/society/2017/feb/26/nhs-accused-of-covering-up-huge-data-loss-that-put-thousands-at-risk?utm_source=esp&utm_medium=Email&utm_campaign=GU+Today+main+NEW+H+categories&utm_term=215114&subid=7192694&CMP=EMCNEWEML6619I2 HB
  9. Change in government’s energy policy blamed for job losses just as solar power eclipses coal in electricity generation I just do not get it,why? Article. http://www.theguardian.com/environment/2016/jun/10/uk-solar-power-industry-job-losses-government-subsidy-cuts-energy-policy
  10. It could take Whirlpool more than three-and-a-half years to service and modify all of its fire-risk vented and condenser tumble dryers, new Which? research can reveal. With owners of fire-risk dryers already being told to get in line and wait up to 10 months for their machines to be serviced, it’s emerged that it could take Whirlpool several years to service the almost four million machines it says are still in UK homes. 5.3 million fire-risk dryers were sold to UK consumers between 2004 and 2015, made up of 127 models from Hotpoint, Indesit, Creda, Swan and Proline. Parent company Whirlpool hasn't released the names of the 127 machines, and is instead asking customers to check online or call to find out if your dryer poses a fire risk. But even once you find out your machine is at risk, you could be in for a long wait for a repair. What you can do if you own a fire-risk dryer If your dryer has a green dot sticker on the back panel, inside the door or on the door rim, it will be a newly produced machine and not affected. If there’s no green dot sticker, it will need to be modified – call 0800 1510905 or go to safety.hotpoint.eu (for Hotpoint, Creda and Proline) safety.indesit.eu or safety-swan.eu to register for a modification. Read more: http://www.which.co.uk/news/2016/04/three-and-a-half-years-to-fix-fire-risk-tumble-dryers-438193/ - Which?
  11. My employer is telling me I need to go to see the doctor (I agree due to stress related migraines). He is also saying I need to show them a note to say I am fit for work, as in his own words (in email), he doesn't feel I am fit to work. 1. Do doctors even issue a fit to work note after a couple of half day absences? 2. If my employer is telling me he thinks I am unfit to work, should I be going to work? (He thinks I should ) 3. Can my employer force me to present a fit to work note from my doctor? Thanks
  12. After my husband's diagnosis of cancer, he lost his job and we were unable to pay the rent. We were, consequently, served with an eviction notice followed by a CCJ for each of us to pay £15 per month. However, my husband died last June. What I want to know is, when I have finished paying my half, am I legally obliged to pay that still owed on my husband's half?
  13. My friend and I were traveling to Crete Rethymon on the 21st of June 2015 with Jet2 from Glasgow airport. We were meant to return with them on the 28th of June 2015 to Glasgow airport. We bought 4 miniature bottles of vodka at duty free. When we were on our flight, my friend opened one of the miniature, one of the cabin crew said that we were not allowed to consume it on the flight. We apologised and handed the miniatures to the cabin crew to be locked away until we departed our flight. We were then asked if we would like drinks from the trolly, we ordered food and some alcoholic beverages. Another air stewardess came over to us with a bad attitude and handed us a rather threatening letter. She asked for our passport details. We then asked why we were asked for our details as we did not want to be put on some sort of data base. The air stewardess began to raise her voice, threatening us, that if we did not hand over our details she was going to get the pilot and that the police would be waiting for as when we land. We did not refuse to give our details, we simply asked what they were going to be used for. My friend asked her to lower her voice as it was drawing attention to us. We gave our details to another air stewardess who apologised for her colleagues behaviour, she also told us that we would be able to fly with Jet2 on our return flight and not to worry. (I have a voice recording of this conversation). Half way through our holiday on the 24th of June 2015, we received a phone call informing us that we were being refused to flu home with Jet2 due to a report which had been filed by cabin crew that we continued to drink our own alcohol and displayed aggressive behaviour. These allegations are untrue and frankly quite frightening that Jet2 staff can make up such lies leaving their customers stranded in a foreign country. I have sent numerous emails to Jet2 asking for the situation to be fully investigated and I have sent the voice recording as evidence that no aggressive behaviour was displayed by my friend and I. Jet2 just said that it has been fully investigated which we know that it has not. We feel that our voice has not been heard. We had to cut our holiday short by returning home on 27th June 2015 with EasyJet flying from Heraklion airport to Edinburgh which caused us further expense. We paid approx £400 for alternative flight, thats not including the expensive phone bill of £50 for phoning Jet2, bus and taxi expenses to travel to the airport, or having to cut our holiday short which also ruined our holiday. Lastly we both experienced much stress in regards to how we would get home. This has put me off flying again, as it appears that customers do not have any rights, and how easy it is for staff to make up lies leaving passengers in foreign countries. (I have a copy of all email correspondence, voice recording aboard the flight with a member of cabin crew, we also have a photo of the threatening letter which we received on board. Help would be much appreciated as we are looking for compensation, an apology, and for cabin crew to be dealt with appropriately in order for this to not happen to anyone else.
  14. Hi All, Just today it has been confirmed to me that my beloved male dog has a large cancer within the muscle wall near his hind left leg. We found the lump last week and immediately took him to be checked - the lump is huge and very hard. Prior to this he had been his normal bright self, not off his food, not losing weight so nothing to suggest he was poorly. We have been told he can have surgery to remove it however they would have to also take a substantial amount away from around the tumour and then it would be major reconstructive surgery to close the wound. There is about a 25% success rate that it would be removed with additional complications due to the nature of the site of the tumour. Has anyone else had to deal with this type of thing and if so did you / would you put your dog (or cat) through such a major surgery at this age or would you try to manage his pain as good as possible before putting him to sleep? Thanks for reading.
  15. Hi Guys. I'd be grateful for some advise please. I split with my ex partner and the house was sold. Prior to completion I was advised by my solicitor that there was a Charging Order on the house for my ex-partners HFC credit card bill for £1330, and that this money must be deducted from the equity. I didn'teven know that my 'x' had the credit card and suspect that it dates back prior to our relationship or almost definitely prior to us buying the house seven years ago. I also suspect that he never bothered even going to court to try and sort out the problem (whenever the court case was?) - and I certainly couldn't fight for my own rights as I didn't know anything at all about it. Unfortunately, we still have some large outstanding utility bills on the house and now that the money for the charging order has been deducted, without my consent, involvement or even knowledge of the outstanding credit card bill, there will be insufficient funds to clear all of our debts. My 'x' is knowingly playing a very selfish game as he is quite aware that the electricity bill is solely in my name. Furthermore, I am at a greater loss as my 'x' is refusing to pay his half of the expenses that I incurred, which had previously been agreed, like Council Tax payments, plus decorating and doing up the house, which achieved a considerably higher selling price (which he has benefited from). As if this isn't enough, in the early stages of our break up, he stole my dog, and has since said that the only way he will give the dog back is if I pay for 'everything'. If I had the money - I would! - I love my dog and miss him so much that it has made me ill! - But, unfortunately, I haven't go the money and even if I did, he still wouldn't play straight. Somehow now, I have got to find a way of paying for the utility bills, which due to his Charging Order for his credit card bill, we will not have sufficient funds to pay. If he paid back to me half of the money taken for the Charging Order and also his half of the bills that I have paid out as mentioned above, it wouldn't be such a problem. But he is ignoring my solicitor letters and we are getting nowhere, and now the utility companies are chasing me. Lets face it, he's had it easy. He's had his house done up and sold for him, had his credit card bill paid and also has my dog. The legal system doesn't seem to have any substance for people who are just trying to do the right thing and it seems that people who don't care about others, the law, or anything for that matter seem to get away with it! So, sorry to ramble on! I'm wondering now if any one knows if there is any way that I can get my half of the money back from 'his' Charging Order - as it wasn't my debt - and there are other bills (which are in my name) that still must be paid. I will then be able to pay off the remaining bills. I know that he just wont bother, and I don't want them hanging over me for the rest of my life. I'd also be grateful for any advice any one has about getting my dog back - Officially. ( I've had enough offers off friends to go and get him back for me - but I want to have him back officially). Thank you to any one who takes the trouble to read this and has the knowledge and wisdom to offer me any advice. It will be greatly appreciated.
  16. I know i am, it's not just because it's about people claiming benefits, but all the inaccuracies contained within these programs, the one on channel 5 about benefit cheats, is the latest, a Liverpool lad , claiming what was described as sickness benefits ,for PTSD told the undercover reporter that he was getting a total of £1,500 per month ,inc DLA , I find that very hard to believe, which makes me think of those IDS and his sanctions work leaflets that were based on lies , Also are those that are cheating the system really that dumb that they will boast to someone they hardly know about the hows and why's of what they do? Are these tv companies paying for stooges for entertainment value, and to help keep the governments hate propaganda against people on benefits alive ? if it isn't about cheating the system in some way, it's about their health conditions ie" too fat to work" ect
  17. I read this on the site linked at the bottom. "I thought I would put this on from today’s paper, for information, as I have not heard about it neither, and even after reading it I still don’t know how we will be able to renew our road tax. Paper tax discs will vanish from cars in less than six weeks-but half of drivers are unaware. The discs will be abolished from October 1st and replaced by electronic records. Police cameras will check number plates to catch owners who have not paid. However, a survey found that 50% of drivers are still in the dark about when the changes kick in. Nearly a third of them said they will not even try to find out what the new rules are, according to the poll by price comparison website money.co.uk. And 6% of motorists believe that the changes are not coming into force until next year. Almost a third of those polled said they will wait for instructions from the Driver and Vehicle Licensing Agency. But the comparison website claims that the DVLA has not yet started adding warnings to tax renewal reminders. The move away from paper discs, after 93 years, is designed to offer motorists more flexible payment options (you believe that you will believe anything, why don’t they give us the truth it’s to do with saving money and not for you only for them) and make it harder for people to drive untaxed. Estimates show that the changes could save the taxpayer £10 million a year. Car owners will still need to have paid vehicle tax to drive on the roads. But under the new system, the tax will no longer be automatically transferred with the car when it is sold. Sellers are expected to tell the DVLA straight away of the change of ownership or face £1.000 fines. (see money money money) Shane Teskey, from vehicle history check website hpicheck.com, said: ‘Those who fail to inform the DVLA, could be fined and they will still be liable for any speeding or parking fines and vehicle tax for a car they don’t even own anymore.’ Around 53% of drivers said they would use the new option of paying by direct debit, according to the survey. Those choosing to spread the cost by paying twice a year or monthly will incur a 5% additional charge. However this is half of the 10% surcharge currently applied to six-month tax discs, used by 23% of drivers. Motorists can also pay annually with no extra cost under the new system. Hannah Maundrell, editor in chief of money.co.uk, said: ‘Changes to the vehicle tax system are no bad thing and we fully welcome the introduction of direct debit payments, particularly for consumers who may be struggling to keep up with the soaring cost of driving. ‘It will also help to eliminate the problem of people who genuinely forget to renew their tax and end up being stung with a hefty fine. (load of rubbish) ‘However, I suspect the new system may experience some teething troubles (they hope more money) so drivers really need to make sure they’re on top of their game.’ The death of the tax disc has been well documented, (really!) and the change was officially announced in last year’s Autumn Statement. Automatic number plate recognition cameras will spot motorists who have not paid the tax. (but I thought these cameras could spot out of date discs any way). More than 1.7 billion tax discs have been issued since 1921. Last year, the DVLA issued 42.2 million of them. Link
  18. I have found a place I really like and it's 151,000 but it's an shared ownership so I only want to have 40% of the place at the moment. So that's 60,400. Does this mean that I have to find the full price of 151k of just need a mortgage of 60,400? Bit confused and wondering if it REALLY is that easy to find a place that cheap after all lol :/
  19. Hi i need advice i work as an IT contractor and I have an umbrella company called NASA consultancy ,Now i was offered work from Robert Half i accepted and started on the 30th of May 2014 and the contracts was signed on the Monday ,In the term's and conditions it states that i'll be getting paid weekly, i did a full 7.5 hours monday - Friday during that time i was promised an online timesheet via robert half website, now on the friday last week i never received a username and password i kept constant calling them regarding and never heard anything it was coming up to 5pm, i sent an email about 4:30 to one of the lead administrators who replied " oh you wont get a username and password from us it will come from head office" i've kept this email over the weekend i kept checking my email's nothing came through on the monday this week i had not received any username and password and i called them at 8:30am and they said they will chase up with payroll about 10:45am i got an email to say about my username and password i logged in and they sent me directions on how to put a time sheet in and on the timesheet tab there was no timesheet icon for me to submit back on the phone for about 1hr they explain there was something wrong with your account from 11am till 12pm it took them to tell me there was something wrong with my account and they get back to me i called them at 1:30 and they said they still need to chase i left it for another 1hr 2:30pm call them oh we cant get in contact with payroll "can you send me an email with your times and we send it off to your manager " who i say works in USA" you will be paid on friday i worked till 5 till tuesday this week and i woke up tuesday morning with a migrane attack (yes its horrible) i sent my manager in usa to tell him im ILL i get a call from my agent to tell me "in a rude manner why are you not in" i explained that im ill and ill be back on Thursday (yesterday) all night wednesday i was unwell i was still low and being sick etc i sent an email to my agency and my manager in usa that i wont be in on thursday as im still unwell at 12:30pm yesterday afternoon another phone call from agency " IF YOU DONT COME IN TOMMROW I SHALL REPLACE YOU" i said i'll be in as im going doctors at 2pm now my head still banging cant see anything etc. my doctor explained he worried about me and requests i get a scan on monday 16th june i sent an email to both of my agency and manager today friday 13th at 7:30 am handing in my notice and there for i wont be coming in. about 8:38am i get an email from agency " you decided to tell me at 8:38am which i sent the email 1hr earlier and saying its "pathetic" rude and unprofessional. i didnt reply and i went back to sleep being low, i woke up at 12:30 today to check on my bank account and there was no money in there. i sent an email regarding the issue and i got back saying "oh the timesheet hasnt been approved yet due to times even know its taken 4 days since i sent it to get approval and it states in contract "we a sign you to approval manager automatic via there website i sent an email fuming with anger saying i need to get paid 2hrs later no reply i sent another one asking if its been approved and asked when ill be getting paid at 3pm i got a reply stating " we still not got it approved and that you have missed the deadline to be paid" and i was promised in my contract that ill be getting paid weekly i sent another one straight after asking when ami getting paid and has it been approved "guess what no reply". i have kept all the rude emails from admin and the agency guy. are they breaking the law and gone against the contract which it states paid weekly .i can upload the contract.
  20. Tesco fined over 'half-price' strawberries claim Tesco has been fined £300,000 after admitting it misled customers over whether strawberries on sale were genuinely "half price". Trading standards officers said the £1.99 strawberries on sale in Sheldon, Birmingham, in 2011 had not been for sale at £3.99 long enough. The store charged the same amounts at its other stores in England and Wales. Tesco admitted four counts of unfair commercial practice at Birmingham Crown Court. Judge Michael Chambers said the case was "shocking by its very nature" because consumers had a "high degree of trust" in national chains. He said the promotion was "patently wrong and misleading". Tesco has apologised for what happened. The supermarket was told it would also have to pay £65,000 in costs. http://www.bbc.co.uk/news/uk-england-birmingham-23755528
  21. Report reveals 57% of complaints are upheld. http://www.dailymail.co.uk/news/article-2200671/HM-Revenue-Customs-admit-wrong-majority-complaints.html
  22. 69/12 9 August 2012 The OFT has imposed a £544,505 financial penalty on the online payday lender MCO Capital Limited (MCO) for breaching the Money Laundering Regulations 2007, including its failure to adequately verify the identities of loan applicants. The OFT has also revoked MCO's consumer credit licence. It is thought that MCO's failures led to it being targeted by fraudsters who used the personal details of over 7,000 individuals to successfully apply for loans amounting to millions of pounds. The Money Laundering Regulations 2007 require lenders to conduct appropriate identity checks and are designed to reduce the risks of businesses being used for money laundering and terrorist financing. The OFT found that MCO had also engaged in unfair business practices by writing to people, who they were aware may not have taken out loans, asking unequivocally for repayment. MCO also ignored the OFT's requests to stop this practice. Additionally, MCO was found to lack the necessary skills, knowledge and experience to run a consumer credit business. All of these failures justified the revocation of MCO's consumer credit licence. The company has a right of appeal against the OFT's decisions David Fisher, OFT Director of Credit, said: 'MCO's failure to put adequate procedures in place made it vulnerable to fraud. The way in which MCO then wrote to consumers to collect debts caused unnecessary distress and inconvenience to thousands of people. This financial penalty sends out a strong message that businesses lending to consumers must have adequate anti-money laundering procedures in place.' Consumers who are pursued by a lender for a debt they do not owe should write to the lender and, where appropriate, the debt collection agency, making it clear why payment is being refused. Further information on what consumers can do is available in a leaflet produced by the Credit Services Association. NOTES The OFT has a role under the Money Laundering Regulations 2007 to supervise the anti-money laundering controls of estate agents and consumer credit financial institutions (CCFIs). CCFIs are those businesses engaged in consumer credit lending which are not either authorised by the Financial Services Authority (FSA) or supervised by HM Revenue and Customs (HMRC) as a money service business. The Regulations seek to reduce the risk of businesses being used for money laundering or terrorist financing. They require regulated businesses to, for example, apply risk sensitive policies and procedures on the verification of customer identity, record keeping, training staff and reporting suspicious activity to the Serious Organised Crime Agency. The OFT's power to impose a financial penalty arises under Regulation 42(1) of Money Laundering Regulations 2007. The OFT may impose a financial penalty that is 'effective, proportionate and dissuasive'. Action Fraud issued a press release in April 2011 which stated that the City of London Police wrote to over 7,000 people whose personal details were compromised by fraudsters. The OFT made a third decision not to grant applications by MCO to vary its licence in addition to the decisions referred to above. MCO has 28 days in which it may appeal the OFT's decisions to revoke its licence, to impose a financial penalty and to refuse the applications to vary its licence to the First-tier Tribunal (Consumer Credit). See anti-money laundering FAQs. Lenders and debt collectors should at all times (including when seeking payment of disputed debts) have regard to the principles in the OFT's debt collection guidance. Link: http://www.oft.gov.uk/news-and-updates/press/2012/69-12
  23. Just announced; http://www.bbc.co.uk/news/business-19107537
  24. More than one in two people would switch to the "Bank of Dave" – the enterprise set up by David Fishwick, a Burnley businessman, to sideline the big lenders. Mr Fishwick wanted to offer an alternative to Britain's scandal-hit big banks but faced problems getting a banking licence from the regulator. He promised customers 5pc interest on their savings, using the deposits to lend to local people struggling to secure loans from the established lenders. But in the absence of a banking licence he was forced to lend his own money. According to a survey by MyVoucherCodes.co.uk, 52pc of people would be happy to bank with Dave, with 64pc of those attracted by the interest rate on savings. Fifty-seven per cent liked the fact the all profits were to go to charity, while 41pc mentioned the lack of bonuses for bosses as the reason. A third simply said the found Dave to be "likeable" and a quarter trusted him more than the big banks. Mr Fishwick was the subject of a Channel 4 documentary, "Bank of Dave" Mark Pearson, chairman of MyVoucherCodes.co.uk, said: "I think what David Fishwick has done is very admirable and it's no surprise that many people would get behind the idea and turn their backs on big banks if given the chance. "The fact that all profits go to charity is probably something that appeals to the general public, as they know that he doesn't have an ulterior motive to make millions from his idea." More: http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/9441702/I-would-Bank-with-Dave-say-half-of-population.html
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