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Found 11 results

  1. Hi there. Just on the off chance my husband sent a request to Barclays to see if he had PPI on any of his cards. It turns out he had it on his Barclaycard Mastercard from Sept '97 until Dec 2004 and on his Barclaycard Visa from Sept '97 until Aug 2015. What would be our next step forward please? Thank you.
  2. Dear whom this may concern, Cut a long story short. I purchased a tumble dryer from Argos it became faulty l had a replacement under warranty believe it or not it happened again I received another replacement then the 3rd machine set my house on fire and made me and my family homeless. The manufacturers insurance company hired a fire investigator 'hawkins' so they can conduct a report after months of chasing the insurance company they have told us that the report says it could have come from outside or inside the machine they will not pay a claim. Me and my family lost everything there is a initial fire report that the London fire brigade took when the incident happened that mentions the fire was caused by the tumble dryer. If anyone can help with some advice or what rights I have it would be greatly appreciated I believe they are diminishing their rights I can't believe they are not paying a claim. Thank you Lyes K.
  3. CAB/Citizens Advice DWP - For State pension information. https://www.gov.uk/browse/working/state-pension MAS - the money advice service https://www.moneyadviceservice.org.uk/en/categories/work-pensions-and-retirement Pensions regulator http://www.thepensionsregulator.gov.uk/individuals.aspx Pension Wise https://www.pensionwise.gov.uk/ TPAS - The pensions advisory service http://www.pensionsadvisoryservice.org.uk/ unbiased.co.uk - to find an independent financial adviser [iFA] https://www.unbiased.co.uk/
  4. Not sure if I have a case here but I know you are a great bunch with heeps of intelligence between you so I thought I would give it a go. I had a small private pension from an previous employer some 30 years ago and due to circumstances decided to access it last year when I turned 55. Now I know what they say about keeping funds in the pot until your 60, which is when they would normally pay out, but the option was always there and I needed it, so applied. However, there was also a clause which said the following; We will deduct 27% from your benefits if you decide to take your pension early at age 55 (to preserve the pot for those that stay in the pension until they're 60) This can be reduced to 11% if you are experiencing financial hardship and have supporting evidence (not verbatum, but that's what it meant) Anyway, as my husband had died and I was out of work, having been his carer for 11 years (on & off) I duly applied for the 11% deduction due to hardship and sent in supporting evidence of his death, my financial commitments and bank statements to prove funds available. I received a letter just to say that my pension would be paid at the deduction rate of 27% and provided me with the breakdown accordingly. I was desperate and my sister was terminally ill at the time so was unable to contest it at the time. My sister has since died and I just wondered what type of situation I would have been expected to be in, in order to have qualififed for the higher pension payout? I'm inclined to call them later today but would be very interested in what your thoughts are please peeps?
  5. Dear all, on the date of January 21st, 2015 i visited a friend in London to which i had to park my car within the car park provided. I could see that signs were posted stating permit holders only. I had parked my car and proceeded to go inside to my friends room to obtain a visitor pass however once i cam downstairs i had a parking ticket on my car. I was furious as i was only gone a short while to obtain what was required to park my vehicle there in the first place. The date today is 15/04/2015 and i have just received a 'Parking charge notice' from a company called TNC parking services stating i owe £100 for this 'offence'. I have pictures of my car with the ticket on it and with a visitor pass. The letter i have received from TNC parking services states they are acting on behalf of their client P4Parking uk ltd. it also clearly states all parking charges are placed on hold upon receipt of an appeal. Furthermore TNC do not accept appeals as they did not issue the PCN and that all appeals should be made in writing directly to P4Parking within 28 days of this letter. If the appeal is unsuccessful then i would be provided with the contact details of the Independent appeals service (POPLA) with a unique 10 digit verification code reference. Could someone please advise me on this situation as i feel i have not done anything wrong and should not pay £100 for this unfair ticket. Thank you all for reading this post! Kav
  6. I bought this car from a dealer in January (almost two months ago) and noticed the car emitting blue smoke from exhaust and later on from dashboard. I can only use the car on weekends therefore it took me so much time to notice this issue. The ABS sensor for one of the tyres also started malfunctioning within the first month (almost 300 miles) and the dealer had changed one of the ABS sensors before I bought the car so it could be the same tyre's sensor going faulty. I took the car to Halfords via my warranty provider who so far only confirmed the ABS sensor fault (it had taken me 5mins to find this out using my code reader) and need more time (and money of course) to find out what exactly is causing the blue smoke however they might strip off the engine. I had contacted my dealer almost 4 weeks (driving the car for the 5th or 6th time) after the purchase date and clarified my intention about the refund however he encouraged me to take the warranty route first but obviously after finding out what the faults are I wouldn't like to own this car any more. So far I have driven the car almost 500 miles, could anyone please advise if it is still reasonable to reject the car or shall I only insist on repair?
  7. Before i start if this is in the wrong section im sorry. Basically a stolen car hit my parked van which was a write-off. We have identified the the driver and he has pleaded not guilty. We are going through the MIB for compensation. My insurance company was not used to make a claim only to make them aware of it. Now according to the letter off MIB. If the MIB identify the insurer of the stolen car and the driver is convicted in court i can claim through the the third party's insurer (Innocent victim). The MIB would not be able to assist me if it came to this. Now is this true? and how would i make a claim for compensation from the insurer. I thought that's what the MIB did for me acted on my behalf to get compensation. That was the whole point of me going through them as i didn't want to lose my NCD, incur a accident in last 5 years and pay excess on the vehicle that was written off. I am rather confused so any advice would be much appreciated. Thanks Michael
  8. To cut a long story short we had council tax arrears and were contacted by Jacobs Bailiffs. Not having been in this situation before my wife rang the phone number on the letter and agreed to someone coming round to help sort out a payment plan which they did and took an initial payment of fifty pounds. During the conversation i told the Bailiff i was on short time at work and at the time he was quite sympathetic to this and said to us that if things were to get any worse and i was to become unemployed then we could review the payment plan. Today i answer the door and im given a letter telling me that on Wednesday a van would be attending to remove goods and if i was out a locksmith would be utilised. my wife rang the Bailiff with whom we had set up the payment plan and he said there was nothing he could do and said the best thing to do was ring their head office which she did only to be told after explaining our recent change in circumstances that It was either payment in full or nothing and goods will be removed. I would really appreciate any help on what to do next , If there is anything i can do that is .Thanks in advance for any replies
  9. Here are a few things that have helped me in my battle with Nicotine. There is a lot of help out there from the NHS etc, but I feel everyone who wants to stop should read Allan Carr's very good book 'The easy way to stop smoking'. To start with here is a run down of what happens to your body after you stop smoking, it's a sort of check list as time goes by and helps keep you on track :- I found it helpful to print it out and leave copies where I could easily see them, by the computer, fridge etc...... Within 20 minutes - Blood pressure and pulse rate start to return to normal Within 8 Hours - Nicotine and carbon monoxide levels in blood reduce by half. Oxygen levels return to normal. Within 24 Hours - Carbon monoxide will be eliminated from the body. Lungs start to clear out mucus and other smoking debris. You won't believe the gunge that comes up at first as your body begins to re-grow cilia, the tiny hairs that line your airways and help push up impurities from your lungs - your smoking destroyed these. Within 48 Hours - There is no nicotine left in the body. Ability to taste and smell is greatly improved Within 72 Hours - Breathing becomes easier. Bronchial tubes begin to relax and energy levels increase Within 2-12 weeks - Circulation rapidly improves Within 3-9 months - Coughs, wheezing and breathing problems improve as lung functions are increased by up to 10%. Personally, my smokers cough actually disappeared after 4-5 days! Within 5 years - Risk of heart attack falls to about half that of a smoker Within 10 years - Risk of lung cancer falls to about half that of a smoker. Risk of heart attack falls to the same as someone who has never smoked
  10. I hope people will find this useful and this as well hope its helpful to people
  11. Hi Last year in June before I was made unemployed the halifax agreed to a 3 month payment holiday on my mortgage as I was experiencing financial hardship. In August I then became unemployed and the dwp agreed to pay£174 p/m to halifax to cover interest on my mortgage. Halifax then contacted me in Jan 2012 to discuss arrears on my mortgage and advised that due to the payment break between june july and august 2011 they were unwilling to switch to interest only payments starting Sept 2011 onwards, therefore the dwp payments were not enough each month to cover full mortgage payments. Since then I have received charge upon charge and fallen further into arrears. I complained to the fos and added in correspondence to halifax hat I had complained to he fos and questioned why wait until Jan 2012 to contact me, they agreed the £174 was sufficient in Sept 2011. Despite my efforts the charges are being applied and now that I have resumed employment I face an even bigger struggle. I thought charges couldnt be applied if the account was in dispute. Of course the halifax staff are as helpful as usual, one of them actually asked me what id being doing with my time, why didnt I have a job yet and finished off with some much needed advice, if i was working then I could avoid arrears?????? pleae help me im goingcrrrrrazy
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