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Found 19 results

  1. Hello, sorry if this isn't the right place to post this. I am pay Grade 1 and am currently being made to do pay Grade 2 work and was wondering if this is legal or allowed? The work I am carrying out will take between 4-11 days I am an administrator and am currently doing the work of an assessor in another department because "needs of the business". My contract doesn't state anything about the fact I may be required to do different pay grade work if the needs of the business requires it, it just mentions doing work depending on the needs of the business, the pay is not mentioned
  2. Since becoming unemployed I've fallen behind with my energy bill to what was GB Energy, now changed to Co-OP Energy. I'd managed to pay various amounts off but setting up a DD with Co-Op has proven a nightmare with random sums being taken, or attempted to be taken, from my bank account at random dates during the month. They're now threatened to move me onto a higher rate tariff. Can they do that ? And can I stop them as it seems pointless to move me to a higher rate tariff when I'm struggling to get back on track with the current tariff
  3. Hi All, I am in a bit of a pickle at the moment, I felt I was finally able to afford my council flat that I have lived in for over 15 years, I put in my first RTB application March 2015, and a valuation was done for the property, after the valuation came out, I found that I was not able to afford it even after the London discounts so I didn’t take up the offer, fast track November 2016, the same year I made another application and this time around the price of the flat had reduced by £100k as per the new valuation done in November 2016, so I took up the offer, applied for a mortgage and g
  4. READ MORE HERE: https://www.gov.uk/government/news/enhanced-learning-credits-further-and-higher-education-scheme-changes More information on the Enhanced Learning Credits Scheme is here: http://www.enhancedlearningcredits.com/
  5. Hi, I am going to cancel my car insurance as I have found it cheaper else where, I’m currently paying £3120 a year (£260 on the 16th of the month) I have found it for £1160 a year. I phoned up my current insurer and asked them what I would be charged to cancel, they told me it would be £467.19p to cancel surely this can’t be right, the bloke on the phone assured me that it was the correct fee and was nothing he or I could do about it and said if I needed to I could pay it off monthly over 2 years with no interest. Just wondering if this seems correct and if not what I should do about it.
  6. Hi, I am really stressed. I have received claim forms for the County Court for a HBOS debt being claimed by Lowell/Bryan Carter. The claim is for £740. I did have a Halifax account a few years ago and it went into arrears for around £150. Is there anyway I can ask the court for them to make Bryan Carter provide full information for the amount claimed as I am not certain it is this debt and can't work out how it has gotten to so much? TIA
  7. Hi everyone, I'm a sole trader and would like to file an amended return for the tax year 2012-2013. I know I still have time but the problem is I want to declare much higher income than I stated originally on the form, and I worry that I will have to face an enquiry if I do so. I have no idea what I was thinking when I was filing the original return. I haven't earned much that year, maybe £9100 in total but I declared I made £6,500! I somehow forgot to include income from one of my only two clients and I have no real excuse. I might have one but it won't be sufficient, if anything it'll b
  8. Dear caggers I have just been going through my electricity bill and it works out that I am paying more per kWh used because I do not pay by DD! I pay a weekly amount by standing order and generally am in credit by bill time. I am confused and annoyed that this is the case and wondered if anyone knew if there is anything I can do about it? Weekly payments are better for me as it means I can keep all my finances in check but feel I am being penalised for this! Thanks in advance Martini
  9. Five of Britain’s biggest lenders have been told by the Bank of England they must raise more than £13bn between them to close a £27bn blackhole in their balance sheets. Lloyds Banking Group has been told it must set out plans to raise an additional £7bn, more than double the £3.2bn Royal Bank of Scotland has been told it must raise, while Barclays will have to find an additional £1.7bn of new capital and Co-op Bank £1.5bn. The capital raisings follow a stress test exercise on the lenders conducted by the Prudential Regulation Authority (PRA), which found a total capital shortfall in the
  10. Hello Guys, Yesterday I caused a car accident in most stupid way. It was raining, I was in rush to get to work on time and did not estimate correctly distance in between me and car parked behind me. I have stopped and within minute the owner of the car was there. Not a problem, I have given her my details, insurance policy number etc. She said she will get quotation so I can decide if I want to pay for repair in private or if I want to go through insurance. Sounds cool so far. Today at morning she did call me saying that the quote for repair is £260. That is not a
  11. Britain's credit unions will be allowed to increase the interest they charge on loans in a bid to stop people turning to payday lenders. On Wednesday, the Government will announce it is preparing legislation to raise the cap on credit union charges from 2pc to 3pc. Ministers believe the move will make the sector more stable, and allow them to "provide credit to customers with riskier credit profiles". The move is part of the Government's push to break the increasing grip of payday lenders on low income families. The Department of Work and Pensions wants to double the number of people ser
  12. Hi , i have a hire purchase agreement with black horse, i have paid 22 out of 48 payments and i am looking to hand the car back to start Fresh. There is a baloon payment at the end of the term to keep the car but i want a new one now, i was told i could hand this back at the halfway (24month) point but upon read my documents it says it can be handed back once i have paid £14,775 which wont be untill november. Can i still terminate at 24month point or will i be liable to make up the difference to 14,775 ? Also Any suggestions of how to get out of contract appart from trade in as i would st
  13. CSA will introduce the higher payments from Monday 10th.December. http://www.dailymail.co.uk/news/article-2244303/Fathers-hit-rise-maintenance-children-following-sweeping-new-reforms.html
  14. Hi everyone, The company I was transitioned into four years ago has different grades for each role. When I was transitioned in I was started on the bottom grade. The company did not tell us about these grades until the beginning of this year (nor is the information available on their intranet). I have managed to get myself promoted a grade which resulted in a salary increase. It is only possible to get promoted a grade once a year and certain pre-requisites have to be met first. The company is now recruiting new employees at a higher grade (and so at a higher salary) than I and my co
  15. Mortgage costs for thousands of borrowers will jump from tomorrow when one of the country's biggest lenders raises its standard variable rate (SVR). Santander's 0.5 percentage point rise in its SVR to 4.74pc will result in an average increase of £26 a month or £312 a year for a typical £100,000 mortgage. The switch is expected to affect hundreds of thousands of customers, although Santander has not disclosed the figure.Santander's SVR change, announced in August, is one of a number by lenders in recent months, dashing hopes that households will see some benefit from the Bank of England's
  16. Hi everyone, Just received notification from motability that my car for my disabled son is being collected in a month as he no longer qualifies for the higher rate of mobility component for DLA. Curiously this arrived BEFORE any notification from DWP. We only had any warning as we had telephoned them on the previous day. As we are only 1 year into the contact that means we get 2/3 of the advanced payment back however: The paper work says that we are still liable for the 24(ish) outstanding payments as it is a 3 year contract, and this is confirmed by the small print of the
  17. The Royal Bank of Scotland (RBS) could face a deeper exposure to the Libor scandal than Barclays, according to a Labour MP who is a member of the Treasury Select Committee (TSC). John Mann MP has claimed that RBS could face a higher find than the record £290m fine imposed on Barclays by US and UK regulators after it was found to have manipulated the interbank rate.More than a dozen other leading banks are being investigated over their alleged involvement in the rate-rigging of the rate that is used to price trillions of transactions. Mr Mann wants to know the level of George Osborne’s kno
  18. http://www.guardian.co.uk/business/2012/jul/16/household-energy-bills-ofgem?newsfeed=true
  19. Not sure if this is in the right group, Please remove/re-direct if incorrect. Have a few items of jewelery in the pawn shop and this week I have had to renew the loans on them, Pay the interest only and get another 7 months loan. Just noticed that they are been really sly and the interest rate is changing, (in their favor) each time. Does anyone know if the interest rate is suppose to stay the same as when you borrowed or can they just change each time you renew. Borrowed £102 on a chain with an interest rate of £8.15 per month, Just been to renew (7 months up today) and
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