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Found 21 results

  1. Last week I placed an order via the Footlocker website for a limited edition item. While checking out they make it clear in the page that your item is being held for 10 minutes while you checkout and to check out quick so you don’t lose it. Earlier this week my order was cancelled. After eventually getting through to someone to speak to in their customer services I was told: ‘we cannot live track our stock so we cannot hold items during checkout’ and that the message during checkout was ‘essentially a lie customer services are aware of’. Is there anything I should do? I’m annoyed I stopped looking for the item anywhere else because I thought I had a guaranteed order with someone else because mine was ‘held’ during checkout and I feel they shouldn’t promote this obvious lie during checkout, especially when they’re totally aware they can’t do what it says in their site.
  2. Insuring a property held in trust I live in a property held in a Deed of Trust, set up by my parents as the original trustees. A trust fund from which I am the beneficiary, the life tenant. The trust is held to one third to my children, one third to my sister or children and one third to my brother or children. The original trustees: my mother is deceased and my father is old and ill perhaps not competent anymore. The trust is irrevocable and intended to for the rest of my life. My question is can I insure the property (being the beneficiary) simply as the policyholder. None of the high street, telephone insurance companies seem to understand what a trust deed is.
  3. Paris attacks: Dozens dead and hostages held at Bataclan At least 40 people have been killed in multiple shootings in the French capital, Paris, and explosions near the Stade de France. French media say at least 15 people have been killed near the Bataclan arts centre, where up to 60 people are reportedly being held hostage. http://www.bbc.co.uk/news/world-europe-34814203 Latest updates as i find it. At Least 35 Dead in Paris Attacks, 100 Hostages Taken: Reports At least 35 people were reported dead during multiple acts of violence in Paris, including shootings in a Paris restaurant and explosions near the country’s main sports stadium, the AP said. Police said at least 11 people were killed in a Paris restaurant in the 10th arrondissement, while at least another 15 were killed in the Bataclan theater, the AP reported. About 100 hostages were also taken at the theater, AP said. Separately, two explosions took place near the Stade de France stadium, where France and Germany were playing a soccer match, the AP said. http://www.bloomberg.com/news/articles/2015-11-13/french-police-report-shootout-explosions-in-paris-ap-says French president has declared a state of emergency & closed the country's borders. Paris Attacks: Where to Watch Live, Breaking Coverage Online As we all try to make sense of Friday’s shootings and explosions in Paris, here are some news outlets that are offering live streaming coverage. France 24: Paris-based news outlet that offers a livestream in English, French and Arabic CNN Go: Offers 10 minutes of free viewing, then those with cable providers can log in for unlimited access Fox News Go: Need a cable provider to log in CBS News NBC News Sky News Live: British-based news outlet More to come… Watch President Obama comment on Paris attacks David Cameron ✔ @David_Cameron I am shocked by events in Paris tonight. Our thoughts and prayers are with the French people. We will do whatever we can to help. 9:57 PM - 13 Nov 2015 Multiple explosions also occurred at a bar near France’s national stadium, the Stade de France, at least one of which was reportedly a suicide bombing. The explosions were heard while a football match between France and Germany was taking place at the stadium. President Hollande was evacuated from the stadium after the blasts occurred, according to the Associated Press. Video-explosion can be heard.Some say three went off. http://freebeacon.com/national-security/gun-attack-explosion-reported-in-paris/ At least 60 dead and hostages,can you believe this news. It is a nightmare across Europe and the world tonight i feel. But just what some want,i understand that. To create panic and destruction to innocent people going about their business. Cowards and thugs that intimidate men women and children and communities across the world. My view of things tonight. Will calm down now and find the latest on this tragic news of terrorism. BREAKING: Police storm Paris Bataclan concert hall where hostages held Video and live updates - http://on.rt.com/6wd7 23:32 GMT Reuters reports several explosions heard near Bataclan theater where hostages were taken. Just been checking who was playing there tonight.A American group from California i think. EAGLES OF DEATH METAL + WHITE MILES the name of the group. I wonder if they are safe or are hostages. Will find out.And check for latest. http://www.bataclan.fr/agenda.php?id=1059&annee=2015&mois=11 Just seen a 12 second video i will leave that for now.You understand i hope. The news of this barbaric act is now sweeping the world. Paris reels from attacks Latest update one minute ago.23-54pm http://edition.cnn.com/2015/11/13/world/paris-shooting/index.html Well checked on the band they escaped.A report. Eagles of Death Metal reportedly escaped offstage as Paris attacks began http://mashable.com/2015/11/13/eagles-of-death-metal-paris-attacks/#l7X.YAbD7Gqa In these situations only over time do some details become clear. Panic everywhere as you would expect. And thousands of things been said and written every minute. BREAKING: French President Hollande cancels participation at G20 meeting in Turkey this weekend: sources http://reut.rs/1NRcPXG Authorities have retaken concert hall where hostages were held in Paris Attacks Breaking: Attack on Paris concert hall with 60+ hostages is over, at least 2 attackers killed - police, http://on.mash.to/1N2CqOn Eagles Of Death Metal Musician/Band · 301,078 Likes · 25 mins · We are still currently trying to determine the safety and whereabouts of all our band and crew. Our thoughts are with all of the people involved in this tragic situation. 00-11 60 People confirmed dead. Some saying rapid checks being checked on people returning from fighting in Middle East. You know,the people who pop off to fight then return as if nothing untoward is going on. Just saying as no one seems to know yet who has done it.Yet. Confusing situation in Paris at the moment. Sure the mayor just said 80 dead,but accent may have fooled me.Will edit when known. Worst ever in Paris. Do not have much detail of how big explosions near stadium.Went off at half time. Situations ongoing in areas of Paris. Live activity and dangerous situations still happening.When i find out what i will say. People being evacuated now from Concert. Stadium.00-22,people running,scared as you would expect. Police and medical staff everywhere. Medical Staff waiting till able to move in. Total lockdown. 10th 11th district restaurant men walked in and started shooting. Rumour still of hostage situation at third restaurant. Explosives they have. So giving rise towards coordinated terrorist attack some believe. Supporters in football stadium on the pitch some are saying. Things misty at the moment,rumours of how many killed things like that. Rumours earlier of bomb threat at german teams hotel,earlier in the day. France seals borders as terror attacks in Paris kill dozens http://ti.me/1lnJrgs 10th district restaurant situation,shots earlier,rumours 4 shot but not certain.Confusing situation. 3 shootings simultaneously in 3 restaurants at the same time. Some say the areas are not far away from people who are being looked at very closely in Paris. For a good while. Not far from the Charlie Hebdo attack last year. Very crowded areas on a popular area of Paris on a Friday Night. 4TH Explosion Just gone off.00-44 I will check on this.As many rumours abound. Seen no reports. Deadly attacks across Paris CBS News-11 minutes ago PARIS -- A French police official says at least 100 people have been killed ... A French police official confirmed to the AP one explosion in a bar ... http://www.cbsnews.com/news/paris-explosion-stadium-shootout-restaurant/ Scenes from the Paris attacks http://www.cnbc.com/2015/11/13/scenes-from-paris-france.html?utm_ Police are telling Parisians to avoid leaving home unless absolutely necessary and to go to hotels and other public places if they are in need of shelter. The French Presidency announced that public roads have been closed until further notice. Paris police also announced that five metro lines have been closed. However, according to a Reuters report, airports will remain open and flights and trains will continue on schedule. All schools and universities in the region will be closed on Saturday, according to a Reuters report. The Associated Press also reported the U.S. Homeland Security Department officials are monitoring the attacks in Paris said there is no known, credible threat against the United States at this time. 3 suspects killed-100 in hall killed it is said. Someone said they were known to police.Or security forces. Only saying what someone said.I suppose they check quickly on terrorists and raid houses as quickly as possible. Wel if so many questions will be asked.To early to say much. Enough for myself tonight.It is everywhere on the news.A terrible evening in Paris.
  4. Hi All just a general enquiry I was recently travelling back home, when I spoted someone holding what I think was a Hand held speed camera and can only guess it was a video type. The guy holding it was not the police but had some writing on the back of his hi viz Yellow background black writing Has anyone seen these before ? and as it was not a police officer, is it likely that a fine with come through the post at some point if they were speeding?
  5. HI there i am appealing a mandatory review from the ESA. Is there a form that i can use to ask for all info they have held on record about me? If there is could you post a link as i can't find one. Is there also a charge for this? \thanx in advance
  6. APologies for a long post but I have actually tried to keep this brief! In March last year, we had a leak reported in our roof, despite instructing the agency to repair, it took a complaint to the director and several months until it was fixed (in July). At the end of October, we had a leak reported in exactly the same place, the agency called back the contractor who said the work was fine and he could see no problem. We were left to ask agent to find another contractor - it took a while for them to come out and do the repair - at one point I even phone the agency who told me the work had been done and the tenant had told them how happy they were - this was simply not true, when they did it didn't work and we were left weeks waiting for them to come back, they never did, despite repeat assurance from the agency that he was coming. (we refused to pay for this work). Despite chasing the agency regularly and even sending photos of the damage that was getting worse there was no urgency on their part - they even sent us an email to say they had emailed 3 contractors ... no urgency despite the weather being terrible and the damage getting worse. Eventually at the turn of the year we had to step in despite being 300 miles away and get the repair done ourselves. The problem was the ageing of the brick work so that when consistent rain, the chimney could only absorb so much and then began leaking through. There was no sign of any other leak either internally or externally - yet due to the time taken by the agency to fix the original repair ie not until summer, we could not prove beyond reasonable doubt that the original repair was not uo to standard. So we are left with costs, damage, an unhappy tenant at being messed around by the agency. On a separate note, when it became legal requirement to have carbon monoxide alarms, they emailed to say they would be fitted when they came into stock - by January they had still not dealt with this and again we had to take action ourselves to rectify this. Our agent had left us in breach of the law and also potentially put our tenant at risk. We gave notice of repudiatory breach of contract as we were now having to manage the property our selves, they had failed in their duty of care in numerous ways and neither us nor the tenant simply trust them to manage the property anymore. They however of course have disputed this and stated that they expect the management fee to be paid until the end of the tenancy - ie we would have to evict our tenant. I'm concerned as to the best way to go forward - the property ombudsman is incredibly slow and in past experience tend to side with the agents. I am considering the county court route but am then concerned that if they dispute this I will then have to incur serious legal costs to get this through with the potential cost of losing. I don't want to just stop paying them the fee and then risk a CCJ against my name either. Does anyone have any experience of this kind of matter or can advise on the best options?
  7. Car is being held illegally and racking up £35 a day storage charges! I was involved in an accident just over a month ago where a truck side swiped me and took me off the road. It is clearly the fault of the truck driver and they have admitted full liability. I then took the car to a body shop garage that is next to my mechanic and since I trust and value the work of my mechanic I thought I would get similar treatment at the body shop. This wasn’t the case. When I took the car to the body shop the owner went out of his way to ensure everything would be handled for me and at the time I seen this as a good thing. I was told that he would arrange for a like for like hire car and have the claim dealt with by a firm of solicitors who would handle the claim entirely from the third party. He told me he would take care of everything and I didn’t have to worry about a thing and that I would not have to lose my no claims bonus as he would have the solicitor recover all costs from the third party (the truck company). He also promised the car back to us within 2 to 4 weeks. I trusted the body shop and agreed for him to do the repair on the car. He then arranged the hire car which was the same model lower spec and looked like it had been in multiple accidents and had been repaired very poorly. I wasn’t best pleased but put up with it believing it would be a temporary solution while my car is repaired. A month goes by and nothing happens, I called and was told that he had not even started the work and was given excuses about it taking longer. I was angry and wanted to move the car into another garage I found that agreed to have the car back on the road to me that week. The body shop refused to release the car back to me without first receiving payment in full for hire car and storage charges. Hire at £80 a day for 28 days and storage at £35 a day for 28 days. The bill was £1200 for storage and £2800 for the hire car £4000 in total and no work had been carried out. The body shop claim to be a separate company to the hire car company and have no financial links to the solicitors but it is clear that they are all working together. Why else would he demand payment for the credit hire company as well as his own storage charges at the same time? Also the solicitors seem to be working in the interest of the garage and treating him as their client rather than myself. To me it seems like a well-rehearsed highly profitable [problem] ring with a thin veneer of legitimacy. It would not surprise me if they send cars out crashing them on purpose if the state of their hire car is anything to go by. I refused to pay and asked to see the paperwork that states the body shop can hold my car without payment and the agreed storage fees. A document that looks like it was forged by copy and pasting one of my other signatures from the hire car paperwork was produced very quickly and sent over to me via email. I have no memory of signing this at any point. I stated this to the solicitor and they immediately told the bodyshop and came back to me the next day saying that the garage would now release the car if I signed the paperwork agreeing to all storage fees and accept liability for full payment if not met by the third party. To me this absolutely stinks to high heaven of foul play and how the solicitors are working on behalf of the body shop and not me. If the shop already had the signed paperwork why would they insist on me signing it again? I demanded to see colour photos of all documents showing my wet ink signatures to validate the authenticity. This request has been ignored. I returned the hire car to them as soon as I found out they were a bunch of crooks but they still have my car and it is racking up charges with them of £35 a day and it’s now been 5 weeks. I am unsure now what I can do to recover my vehicle. The third party will not pay any charges until the claim is settled in full and speaking to them they said that they will certainly be disputing such high rates for both storage and hire. If I pay for the charges I will for sure not be able to recover anywhere near the proposed rates as storage is around £10-15 a day and hire has a maximum ABI rate of £54 a day on my vehicle type. I do not want to sign any paperwork with the garage that allows them to then screw me over down the line for unreasonable charges that the third party will not accept and this is what “my” solicitor is asking me to do. I was told not to go to my own insurance initially as they will be taking care of the full claim this in hindsight was the biggest mistake I made as my insurance would have had this sorted by now and I wouldn’t be at the mercy of these crooks. I have contact my insurance at a later date and they said that I am now locked in with the solicitor and that they cannot help in any way washing their hands of it all. I am unable to have the case passed to another lawyer as I have been warned that I would be liable for a further £4000 in solicitors’ fees at this point. The last thing I need on my hands is a legal battle with a dodgy firm of solicitors. I need to get this car back and into a garage that will repair it as soon as possible as I’m having to hire another car at my own expense, things are dragging on and the bills are getting scarily big. How can I get my car back? They haven’t provided me with proof that I signed the document they forged. Should I be going to the police? Will they help or fob it off as a civil matter? How can I deal with this and force the return of my own property? Any help is much appreciated.
  8. Have a car which log book in my name insured in my name and on finance in my name .. the ex is holding keys log book and documents in house . ..police spoke to her and said she was handing back and needed to contact her by email to collect .which I did.. was told I could collect in a day so please were happy with that although I wasn't . .she as since sent a email demanding 3500 cash or she witholding car .. .police have now said it's a civil matter and wnt do anything ..I then said well I'll report it as twoc and he said now you are just being awkward and I will note it on file ..just at end of my teather
  9. I had a tenacy agreement with an agency who acted on the behalf of landlord everything fine . I then added my partner to the tenacy as were living together Long story short we seperated back in october and its been a bit of battle anyways I took my name off the tenacy as i need somewhere else to live etc and asked for my deposit back bear in mind this was november and im still having emails saying they cannot contact my Ex and that my deposit that i paid before thier name was added is held against the property . Can they hold my money against a property im not living in and they know this i signed all the forms to have my name removed As i understand it my ex partner needs to apply for her tenancy and pay her own deposit even though its the same property Im getting a little desperate now as i want to move away and the deposit money will help me a lot any advice on what my next step should be Thanks
  10. Hello, I'm hoping this will reach all those who have previously helped me, and that I will receive some speedy advice/help. If the people who have previously been kind enough to help me are not as knowledgeable on the following questions, PLEASE can you direct this post to people who can advise me asap? Thank you. I haven't been around for a while due to illness, (everything got too much for my already fragile brain). My questions here now may be better on a new thread, but as I can't fathom out how I open a whole new thread/topic/whatever, I'm hoping that if this is in the wrong place, somebody can move it for me please?? I'm on the verge of receiving at least 2 CCJ's, as I lost the ability to fight anymore and so admitted the debts. My first burning question is once the CCJ's are awarded, does a creditor have any rights/access to a life insurance policy that is held in trust please?? I have read somewhere, (not on here), that they can use the CCJ's to attach to the trust while I'm alive and that after I've snuffed it, they have a certain amount of time to file a claim against my estate? The policy in question has no monetary value until I die, no cash-in value etc, it's just a pure level term life insurance policy. I took it out purely to try and ensure that my funeral costs can be met and that my two daughters will have a (small) amount of money from me when I die, as I have nothing else to leave them. How could creditors find out about the policy please and can they do the above ? Secondly, and this might be yet another different thread requirement , the policy mentioned above was put into trust at the time it was taken out, on the advice of the insurance company. I didn't know the first thing about trusts and probably still don't, even though I am driving myself half mad again in trying to research the subject!! From what I can gather the trust the policy was put into is a 'revocable trust', and if I'm right, this is the worst kind of trust if you have CCJ's?? So, I'm trying to find out whether I need to change the trust from revocable to irrevocable please, (in the hope that an irrevocable trust would give total protection of the policy, both whilst I'm alive and after I've died)?? If so, how do I go about this, without it costing anything please, as I have no way of affording to seek legal help? I was under the impression at the time of putting the policy into trust that in doing so, the proceeds of the policy would not form part of my estate, therefore bypass probate, and most importantly to me at the time, ensure my daughters would receive the money quickly. It's not something I've given any thought to since, but now that I'm in this huge financial mess, I must understand what could happen/ what I can or should do, if anything. MANY THANKS to anybody who can give me some clear advise on the questions above. I'm expecting the CCJ's any day now, so if there's anything I need to do quickly, I'm hoping to hear from some of you soon. Thanks again.
  11. I recently checked my credit file with Experian and there's an entry on it from Feb 06. That's 8 years and 8months old. The info on there is in the Alias section. I changed my surname 20 odd years ago. It's not "bad" information, so it's not impacting me adversely. However, I thought there was a limitation on how long credit agencies could hold data on you. I contacted Experian. Their response was: "Financial associations remain on your report indefinitely." Is this right? It doesn't seem right to me... Thanks
  12. For the past 6/7 years my identity/credit file has been crossed over with a girl with the same name, date of birth etc. For years I've been mithered with debtors, baliffs, court summons.. when in fact " that's not me" I have a few times tried to tell people its someone else to be told I'm lying. This has caused huge family rows. Not just that, I've also paid a lot of the debts off. Had my car clamped for her debt and yesterday discovered that I've been paying her court fines out of my family benefits. Examples are : court baliffs came with a warrant for my arrest to take me to court for a t.v licence offence. I had to pay £180 on the spot or go to court. I paid the £180. Also to the sum of £255 & £70 had money deducted each week from my benefits which were police fines for theft. I didn't realise there were 3 credit ref agencies and I can't access my credit file as I always fail verification. Also I fail verification with my bank. Been stopped by the police, can't get any credit whatsoever, car insurance is a nightmare. And this has been like this for years. I was diagnosed with aggrophobea a couple of years ago and have tablets daily to lessen my anxiety with the outside world. I don't open my post, rarely answer the phone and even something as simple as email takes so much effort. This is all to do with yhe debts this lady has to which my life has been crazy. And now finally its come to light that infact it isn't me. The courts where the fines were issued which I've paid confirmed it is a different lady and have issued me a £366 cheque for the money I've paidx for her fines. But this is only the start. I can't get a look at my credit file from any of the 3. Agencies as I fail verification. Sorry for the long (brief) story. Please advise.
  13. This is a problem that I cannot find an answer to. We bought a property by cash in 2007 and then we took out a "Mortgage" on the property with Abbey National (aka Santander) then I took out an unsecured loan, and credit card with Nationwide and all was good. My business went bust with the collapse of an airline and all went belly up with my house being reposessed(bySantander asMortgagee) and charges put on the property by Nationwide to cover debt (I never challenged the charges as my wife had a breakdown and could not cope).They reposessed the property in 2010 and put it up for sale. Late 2010 we drove past the property and thought we had squaters and we had to contact Santander to be told the property had been sold (they had our new address but never told us) and the surplus money (£32k)was held with there solicitors.We contacted there solicitors and they said that Nationwide could not sort out a settlement figure due to a lack of information. I have spoken to the solicitors so many times and it was stall stall stall, with the money not gaining any intrest I wrote a complaint (2012)and left it at that.I called the off spec in July 2013 and they told me due to Nationwide not providing the information they have placed the funds with the Court Funds service and upon writing to them Ihave recieved a N244 form to fill in requesting why I should have the money?. Now due to my debts (Nationwide) I wont get any money back but my wife should be entitled to half of it as the debts where in my sole name. When filling in the form do I ask for all the money due to incompetance from Nationwide or just for my wifes share, Do I also mention on the N244 the charges that are present or do I leave them off. It seems the Nationwide problem is due to them changing solicitors at least three times and they cannot locate there paperwork. Any help would be great. Nick
  14. My son left home about 18 months ago. Since then I have numerous problems With D.C.A,s I have managed to stop the telephone calls etc. But I must get between 1 to 5 letters a week from various D.C.A,s. My son does not appear on the electoral roll. I send all letters back unopened marked NOT AT THIS ADDRESS. But still they arrive. Can I write to the C.R.A,s and ask that any links be removed in relation to my son living at my address, or is a more complex solution involved.
  15. Hi Can anyone help me i am currently on a debt management plan and i want to know? when does the creditor have to take my defaults of the CRA settled or not .Smoeone has stated that i should send them Subject access Requests? I have paid to join credit expert and have access to my report what should i be looking for in terms of getting these removed.also some of them state a red ball with 8 on the credit report but i know that these are paid every month albeit a small amount. Many Thanks in advance
  16. I just followed a link supplied by Bandit127 for `Noddle` free credit file info for life. I tried to register but was not accepted. Then my wife suggested I register in her name. The site accepted my wife`s application and so we checked what was on file. It showed three accounts. Two were up to date and correct. But, it showed one in default for £200. It had been registered by Lowell in 2009. My wife explained that the account is in relation to mail order and has always been in dispute. Letters were exchanged, telephone conversations had etc. Threatening letters received etc. But then nothing heard for years. It came as a bit of a shock when the wife read this information. My wife has never received any information about this being on her credit file. We thought that the debt collection agency could only put this on someones file, if the case had gone to Court. Can anyone elaborate on the criteria, that enables Lowells to put this information on ones credit file? Many thanks
  17. People who get poor service from claims management companies will soon be able to go to the Legal Ombudsman for financial redress. Claims management companies (CMCs) have been criticised for exploiting consumers' mis-sold payment protection insurance (PPI) and they are responsible for the lion share of complaints. Yet they take a cut – typically 25pc – of any compensation awarded to the consumer. The Government has announced that from 2013 the Legal Ombudsman will handle claims management complaints. The Ombudsman has the legal power to ensure consumers can get compensation where appropriate. This change will also enable the Claims Management Regulation Unit, which will remain within the Ministry of Justice, to refocus its resources on working with the claims management industry to improve standards and take wider action against CMCs who consistently breach the rules. Head of claims management regulation Kevin Rousell said: “This reform is a win for consumers and provides yet another tool to help stamp out malpractice in the industry.” Chris Lawrenson, head of legal services at the Building Societies Association said: "The matter is urgent as it is clear that the CMCs operating in the PPI sector are generating by far the most consumer complaints, 74pc according the Ministry of Justice. More: http://www.telegraph.co.uk/finance/personalfinance/insurance/incomeprotection/9503310/Claims-management-companies-to-be-held-accountable-by-Ombudsman.html
  18. Hi All, First time post, I'm looking for some advice for this on going PCN saga with Hounslow BC, below I have outlined the stages of what has happened so far, any advice you guys have would be greatly appreciated. 1. I was issued a PCN by Hounslow BC early in 2011 based on this: "Contravention 62: Parking with one or more wheels on or over a footpath or any part of a road other than a carriageway". The Contravention was picked up by a camera, not a person. What actually happened was I pulled over and dropped off a passenger who then unloaded some equipment out of the vehicle. It couldn't have been more than a minute, the engine was never off and I did not leave the vehicle at any stage. I therefore appealed the charge based on this exemption: "Vehicles completing a loading or unloading activity- 5 minute observation period should be given for private vehicles parked on yellow lines (subject to waiting restrictions) and 40 minute casual observation applies to commercial vehicles if there is evidence of loading or unloading taking place". The passenger in the car can vouch for my explanation and I'm sure if Hounslow BC watched the footage of the camera that picked up the PCN they would see this too. 2. After immediately sending back an appeal I heard nothing from Hounslow BC 3. The next i heard from the case was from Collect Services in September 2011 stating they will now be perusing the PCN which was well over £100.00 by now (originally £50.00 if paid early). 4. I contacted Hounslow BC and Collect Services, had a response from Collect saying they had no knowledge of details and were carrying out Hounslow BC's instructions. No word from Hounslow. 5. Contacted Hounslow again- said they made a decision after I sent the appeal, and rejected it. I asked why, they ignored this and said I could make an OOTWS and copied a link to the forms into an email. 6. I downloaded the forms and sent them off 7. Collect said they had notice from Hounslow BC that the PCN was on hold due to the OOTWS 8. Heard nothing back from the TEC, Hounslow or Collect until June this year when collect sent a letter about Bayliff action 9. Contacted Hounslow BC and TEC- reply from TEC was that the forms I filled in were incorrect and there was therefore an error. Instead of contacting me they decided to tell Hounslow to pursue with the PCN. They then told me to send off another set of forms to apply for another OOTWS 10. I did so and received an email from Collect saying the PCN was on hold again 11. At this stage I had enough and made a complaint to the Local Government Ombudsman Service- they made a decision (after about two weeks of feedback etc) that because I have gone to the TEC, this was the best course of action and they wouldn't pursue the complaint for now 12. TEC sent a letter to me today stating the OOTWS was rejected and that "reasons are not held of court records and the court officer is not required to offer an explanation for refusal". Sorry for all the info, but it's been such a long and draining saga, I just need some advice as to what to do next. They have said I can make an appeal of their decision for a fee of £45 or £80 and that I should take legal advice if doing so. I'm unsure whether it's worth paying money if I'm just taking on two organisations who are blindly turning me away and adding more charges. The latest bill from Colelct was around £350.00 Any advice you have for me would really be appreciated.
  19. I recommended a friend for a job. It was basically my old job as I was promoted. My company decided not to use an agency or advertise the job and instead sent a company wide email asking if anyone knew of anyone they could recommend. I knew of two people who were looking and gave them the email address of my line manager so they could send their CV in. One of these ended up getting an interview and getting the job. The other person was not interviewed. Now the person who got the job is infact a good friend of mine, we have worked together in the past and she had the relevant experience that they were looking for. At no point did I 'put in a good word' or anything like that as I knew other people in the company who recommended people and felt it was unfair. I was not asked anything about her performance or asked to vouch for her at any point. This friend has had some problems with depression in the past and she did have a breakdown around 5 years previously when she was a teenager. I was aware of this and was around for her at the time it happened. She decided she was going to disclose this incident on her medical form. She asked my advice on this and I said quite honestly that I wouldnt have disclosed that info, however she had already filled the form by this point saying she wanted to be honest. She was sent a further form from an occupational health company and asked to fill this in which she said she did. Fast forward to 5 months later and after suffering from a bout of depression she was sacked. The circumstances around this are questionable in itself but this is not my point here. She has her own plans to take this further once she has recovered. I am now being investigated regarding this. The first point is that I apparently encouraged her to hide her medical history. This has been raised as after she was sacked her line manager told me she thought that she was lying about alot of things surrounding her illness. I defended her saying she had been completely honest and recounted the advice I gave her about the medical form. They are now claiming the second form was not recieved and believe I encouraged her not to return this. This is completely untrue. Secondly I am being investigated for recommending someone I knew could not fulfil the role. Again this is untrue as she spent several months working with no issues. I also dont understand how I can be held responsible as I didnt interview her or make any kind of recommendation, I just passed on a job decription and email address. Luckily my own line manager is in agreement that this is unfair but HR have insisted on taking this forward so I have a meeting with a impartial HR representative tomorrow. I am wondering if anyone has any advice or opinions regarding this?
  20. There has been a huge surge in the number of complaints about mis-sold payment protection insurance (PPI) in the last year, the Financial Ombudsman Service (FOS) has revealed. According to its annual review covering the 2011/12 financial year, it received 264,375 new disputes – a 28 per cent increase on the previous year. Of these, 157,716 cases - 60 per cent - related to mis-sold PPI, the highest ever number of complaints to the ombudsman about a single financial product. It means a 51 per cent increase in PPI gripes compared to the year before. Read more: http://www.dailymail.co.uk/money/cardsloans/article-2148024/PPI-claims-explosion-60-rise-claims--including-6-000-people-held-policy.html#ixzz1vdKwuu00
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