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Found 24 results

  1. Hi All, Thank you for all your help over the many years - been a long journey but almost there. Now that I have the strength and knowledge (from here) to take on the financial system in this country, I'm now trying to help my elderly Dad fight back. My Dad was always in control of financial affairs in the past but for the last few years now has become less able to deal with the modern world and now he is showing early sign of dementia. It came as quite a shock to find out that he has 6 credit cards which are now leaving him with no pension to live on. It became noticeable las
  2. All Newbie here. I have an employee who owes 6 PDLs approx. £3.5k he cannot pay. He can only afford about £200 per month. As his employer I am prepared to try to pay off the debts, and then recover it from him from his payroll over a couple of years. But we can't afford £3.5k Will the PDLs negotiate? I haven't yet looked into whether they have leant responsibly, but will they accept settlements of the original loan plus an element of interest? His alternative is probably IVA or bankruptcy. Advice Please Many thanks in advance...
  3. 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.
  4. Hey, I got insurance through Jet2 when I went to Santa Ponsa last April - My laptop was stole on the first night in the hotel - They denied it and said nothing was stole from the hotel before (Yeah right...) - Quite ironic as while he said it 3 Spanish girls came to the desk and said their money was stole from their room. I got a police report from Spanish police ( I went with the Spanish girls and they translated ) When I got back I phoned Jet2 - They said the insurance wasnt through them but a different company, I dont know how many times I have phoned and they arent helping.
  5. I contacted an ebay seller before Christmas regarding the purchase of FIFA coins for my son. He promised me that he would be online on Christmas Day so that he could email me the details. I spent £79.99 and seller has not responded. My son has not received his much anticipated FIFA coins and the seller has ignored all my emails. I contacted both ebay and paypal to be told that they do not cover electronic downloads as part of their buyer protection scheme. I have been left in limbo. The money has left my account and I have nothing to show f
  6. What would you do.I do not usually ask for advice nowadays but could do with some to calm myself down see things a bit clearer.Then i will act on advice given today if possible and update later. Moved into my newish house about 8 weeks ago.Council. Absolutely thrilled and honored to have this lovely house. Semi,blocked paved area for car to stand on,easy drive in access.Wonderful.Peace at last. Wonderful,soon had the garden full of plants.Shed set up to work in. Quiet area with a lot of elderly people around.A lot of people being cared for. No cars burning,no cars,moto
  7. This is an updated sticky the original started by bookworm can be found HERE The Family Fund - grants for disabled children
  8. Hi Guys I'm still cleaning up the ID fraud from 3 years ago (Yep, Really that long ago). Money Shop are dragging their heels. I decided to tackle these nuggets about 4 months ago as I move through each account 1 by 1. Essentially, speaking to a brick wall is hypothetically much more productive apparently. Basically the story goes (Like before), someone stole my ID etc and went on a spree killing my credit file in the process. Anyway, I went into store to get their Customer Relations Address which i emailed last December. I got the usual 8 week time-scale email and the
  9. Hi all again, Thought I would make a new thread for this loan so not to confuse my other PPI thread for my dad. I'll be using this for the covering letter: Dear Sir/Madam, We are writing in relation to payment protection insurance (PPI) policy, associated with the above account, which we do not believe was sold to us correctly or fairly. We believe you have not treated us fairly for the following reasons: · The overall cost, this being associated interest, was not explained, nor mentioned at all · We were not told how to go abou
  10. Hi all, I've finally managed to get my dad to have a look into PPI on his past finances. He only agreed to do so if i did it all for him. Now I've been looking on this site and it seems I need, a covering letter, to fill out the financial-ombudsman consumer questionnaire and all the statements and agreements of the finance. I'd appreciate it if anyone could give me/send me a link to a template for the covering letter. I've already got the questionnaire from the ombudsman website so I'm ok there. Now my dad says he has all the paperwork and I sort of belie
  11. Hi all again, After I started taking steps to claim back my littlewoods charges, my friend wanted to do the same. I told him to get a SAR off and take it from there. His SAR came two days ago, I told him what people told me on how to look for the charges. After adding all the charges up he found he had been charges £384 from 2010 to late 2014. I gave him the website for converting interest rate into compound interest and he found as high as 6.000 for his interest on the SAR so when he converted that the website said annual rate (when compounded) was 103.51%! So when he p
  12. Hello everybody, I'm writing to ask you what you think I could do in this situation. I apologise in advance for the long post, but it's a very long story with many details so I thank you for your patience in reading this. 1 months ago I bought a motorbike from an official Peugeot dealer, that was the beginning of the nightmare. 1) the bike arrived several weeks later, there were always delays and I had to chase them because they did not inform me 2) once the bike arrived, the wrong number plate was put on - I was asked by the dealer 2-3 days later to take it back for num
  13. Hi guys, I'm new to the forum, and wonder if anyone could confirm something for me? I made a claim for sickness benefit, (or what ever its called now) but had it turned down because I own a property that is worth more than £16,000 but do not live in it. So I am not entitled to any help, other than having my stamp credited. The house I own is rented out and is my only source of income as I'm now unable to work. Its the only property I own apart form my old touring caravan, which I spend a fair bit of time living in, as well as various bolt holes with friends and family. What I h
  14. Thought I would post this recent video that was added to Youtube. Hounslow Police working with bailiffs to stop vehicles with outstanding PCN's. I can understand that the Police have an interest in this, because they will be indirectly funded by revenues received from PCN collection. i.e the Police are funded by councils that issued the PCN's. However, I would question the legality of this. Although the Police have the legal right to stop vehicles, surely they are restricted as to the purpose of such stops ?
  15. Hopefully this is an easy one for the brains on here.... As I am sure some of you know NPower have been having problems with their magical new computer system... This meant not taking payments from me. Then it meant me building up a £500 or so debit So they took it upon themselves to set me up a payment plan for £50 on a seperate direct debit with no call or advice to myself or from myself. On the assumption this is wrong...where do I stand? Doesn't the direct debit thing they always read to you over the phone stop this kind of thing happening? thanks in adva
  16. read more: http://www.liverpoolecho.co.uk/news/liverpool-news/civil-servant-david-kelly-allegedly-5764484
  17. Hi, I think this is a legal issue. In trouble with lots of debts and dealing as they surface. Got one CO on my house for £14000 I think. House is either zero or negative equity. Now a friend of mine has suggested she pay off £30000 of the mortgage and have a prorata share of the house as an investment or a loan ( will be my choice). My question, will she have to go on the mortgage( she doesnt want this). If all fails and I walk away, she loses her money( she said don't worry) but is she liable for any outstanding amounts. As she would be a co-owner, does that stop
  18. I did not have the pleasure of communicating with Martin3030 but know, in connection with my research into consumer fraud and abuse at the hands of the banks/institutions, that all of us benefited by his dedication but above all, his foresight. He saw, understood, interpreted and exploited the web for the benefit of forum users worldwide. His loss will be felt by all but I have no doubt that we can all gain some comfort from the legacy he helped evolved, the Consumer Action Group.
  19. Hi Helping my friend claiming missold ppi back,shes got account numbers its on credit cards and morgage. I Know first step is sar but shes got all info. What letters do i send. Kind regards amy29
  20. Hi everyone, I am helping my son and his wife sort out their finances and came across their Brighthouse items. My son had an accident and is not currently working and his misses has just given birth. They have 4 accounts running at the moment which includes are the add on insurances. After reading some of the posts on here they will need DLC as they don't have any contents insurance or is there a cheaper policy that will be better? They also have service cover on all of the items which after reading is a huge con, I want them to cancel this and can this be claimed back
  21. Forum virgin so please be gentle with me. I am endeavouring to help-out an old friend who was left with well about £35,000 of debt when her marriage failed seven years ago. When her (ex)husband's business failed she naively took out credit cards and a loan to try to help him. Needless to say, he is long gone but the debts still remain. Fortunately, I am in a position to help her with an interest free 'loan' to settle some of her debt but certainly not to the tune of £30,000+. She had progressively cleared some of the debt under a DMP (set up by the CAB in 2006) and was left wi
  22. My daughter came home to her flat this afternoon to find a letter from a bailiff threatening to come back at an unspecified time to seize goods to the value of etc. I should point out here that the debt concerned is for unpaid council tax arrears in her boyfriends name that he accrued at his last flat prior to moving in with her - none of the debts are in her name. I have done a bit of research on this site and have drafted a letter for her boyfriend to send to the bailiffs that will hopefully give them a bit of a breathing space so we can work out a plan of action. I'
  23. Hi I have listed an item on Ebay UK which had been sold I received an e-mail from paypal saying that a differed payment has been made. Few days after, when I logged on my Ebay account the payment was shown as received. So I sent my laptop by recorded mail on which the buyer received and signed for the following day (have proof of sending, delivery and buyer’s signature). The laptop was new as I nearly haven’t used and bought since only 2 months. On 24th July I received an e-mail from paypal saying that the payment has been cancelled on 20th July. I tried to contact the buyer
  24. The Financial Services Authority (FSA) is in last minute talks with banks to agree a settlement package for small firms which believe they were wrongly sold interest rate swaps. According to sources, the plan is for an FSA announcement on Friday about the likely scale of alleged mis-selling and how the banks will provide restitution. The FSA is expected to be highly critical of the banks' conduct. Swaps were often sold to business as protection against interest rate rises. Independent assessor What the FSA wants to announce is a practical plan to provide restitution as quickly
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