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Found 23 results

  1. Hi, I have just received a letter from a debt company that I haven't used for over 15 years. The letter says data protection laws have changed. This means thy need to provide me with an updated explanation of how they use my personal data. I do not want then to use my personal data. Do I ignore the letter? Thanks in advance.
  2. https://www.consumeractiongroup.co.uk/forum/showthread.php?296513-296513&p=3317951#post3317951 I am just considering this and contemplating taking court action against unregulated property manger who took a secret commission
  3. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  4. http://welfarecentral.org/index.php/forum-home/universal-credit/1325-dwp-admit-no-plans-how-to-migrate-legacy-benefits#5432 Want to know how you will be migrated from legacy benefits to UC, Do not bother asking the DWP, http://www.whatdotheyknow.com/request/444360/response/1080845/attach/html/2/FoI%204762%20reply.pdf.html
  5. Ok Just start with some background. for the past two years 2014 & 2015 i have had relapses of prolapsed disks causing me to have long absences , after the last absence it was agreed that i would be covered under the disability act (or whatever its called now) also after i had my injections i had to have physio which the occupational health provided so i got back to work a lot quicker than if i had waited for the nhs . Now on to this year i had to be signed of sick because my shoulder had frozen i cannot lift anything of with with one arm , doctor has put me on pain killers and o
  6. HI I had my house repossessed in March 2011 and have lost all the documents from the mortgage company and court with the details on and urgently need these so I can go on my local councils housing register. The annoying thing the homeless prevention team at the same council were given copies of this at the time so they could help me and my family in getting a new home but the part that deals with putting you on the housing register says they can't speak to that department to get these details, they need to see the documents for themselves (just being bloody awkward if you ask me!)
  7. Dear all, I've just discovered that the sub-floor and joists that were replaced only 6 years ago in my Victorian house have rotted again, I'm told by an independent building contractor, due to inadequate damp protection. A master carpenter/joiner replaced joists/sub-floor and oak flooring only SIX years ago, due to the originals rotting. My question is can I reasonably expect the carpenter to contribute to the cost of this new work, which will essentially be to rip up what he did 6 years ago, beef up any existing damp protection and then rebuild the floor fro
  8. My wife has had a long standing dispute with Vodaphone A few months ago during a long phone call a vodaphone rep agreed to cancel her contract and close the account with nothing further due to pay. We have now started getting letters from a DCA, claiming she owes Vodaphone just over £800. which is the remainder of the 2 year contract plus the cost of the handset involved. after talking to the DCA they claim the above call "never happened" and are now harassing her in the usual way for payment Can we force Vodafone to supply us with a copy of the recording of the phone call? m
  9. NatWest and Royal Bank of Scotland (RBS) have warned businesses they may have to charge them to accept deposits due to low interest rates. The move, if enacted, would make them the first UK banks to introduce negative interest rates, in effect, charging to deposit money. "Global interest rates remain at very low levels... this could result in us charging interest on credit balances," it wrote in a letter to customers. Personal customers are not affected. http://www.bbc.co.uk/news/business-36889828
  10. We are planning to sell our flat and we know that our neighbors had issue with selling his property. He said the landlord told him that he can't sell it until they refurbish it to a good standard. He then went to his solicitors and they told him that the landlord has the authority to do so. He eventually refurbished the flat and sold it. But he said the landlord was even able to choose which buyer he wants and whether or not that they agree with the price. Is that even possible? Could it be that he has a shared lease ownership? I tried searching online to see if landlord has any control
  11. Hi all, I have received a letter today from Hamptons legal regarding a debt I have with O2 - although I have never made any payment and have a SAR or the equivelant you receive for a mobile debt. Basically the jist of the letter is thus - We are now going to request a copy of your credit file from Experian the credit reference agency, which will help us decide what form of litigation is best for us to recover the monies that are due. Any ideas folks?
  12. My wife & I recently flew with Ryanair to Faro in Portugal. We were asked at the gate to let them put both our cabin bags in the hold as the flight was full and there was no room for them in the cabin, we were instucted that we need to remove any items that we may need for the fight before we boarded. They put yellow bands around them and when we boarded the aircraft the flight attendant took them off us to put in the hold. When we sat down I said to my wife that I better turn my mobile phone off and she said that her's was still in one of the outside zipper pockets of her bag, and st
  13. Hi, I hope someone out there will be able to help me - I am currently having problems with a local car dealership who are insisting I return my temporary car and take my original car back. However I consider it is unsafe to drive, following three major issues in a 5mth period. The engine blew up in Apr 14, then the car had complete brake and steering failure in Aug 14 while I was driving it which was terrifying. I have tried speaking & writing to the dealership, HP finance company and manufacturer however they are all passing the buck and its difficult t
  14. Im due to see a concert next week tickets were purchased a year ago, on an old bank card for an account i no longer have. I contacted the arena today and was told they had not sent them yet and would do so this weekend. I told them this was not good enough as i go away next week and will not be back toll the night of the concert, They told me i can collect them with the bank card i used to pay, i made clear i did not have that anymore as the account was closed down and the card was cut up, they told me there is nothing they can do, I explained that i was told i would get the tickets t
  15. Hi Guys, i haven't been able to pay any of my creditors for about 8 months now and had no contact them... in that time myself, my partner and our children have had to leave our previous home and had temporary accommodation for several weeks until i managed to rent a house that belongs to my employer. its time to start trying to sort out out debts so i wish to send them a letter giving them our new address and asking them for the state of each account etc and asking them for some time. Please could someone with a bit more knowledge read the following and let me know i
  16. Hi Everyone, I am suspended awaiting a discipline hearing. My employer said that when I am given a hearing date I cannot resign, but that they would consider it. I asked them to explain and give me details of my contract or the relevant law that they are relying on, they didn't reply. Does anyone know the answer, my opinion is they are talking rubbish, if I hand in my notice, what are they going to do? say " sorry you can't resign, we won't accept it" can't believe they even think they can do it. In that case I could say, I don't accept you sacking me, but I might consider
  17. Evening All, My household has recently fallen behind on some pretty serious debt amounts due to problems with employment. so far no one has threatened any action but there has been plenty of chasing. We have been taking advice from the national debt helpline and currently we are deciding whether we can manage an IVA or we need to go bankrupt, but for starters we need more time to try to work things out so we can make this decision, work keeps me very busy and away from home a lot and along with dealing with a sick child at home getting to speak to companies is very
  18. Hi, I've recently been having a 2 and fro with the council about council tax I didn't owe, I eventually made an agreement with the council and they said they would put a attachment on my JSA, which I was quite happy with and didn't raise any objections. The job centre then refused the attachment order, which unbeknown by me, the council rather than coming back to me, put the debt out to rossendales, from whom we got a letter. I immediately contacted the council and asked them why they had done this rather than coming back to me so we could sort payment another way. They agreed t
  19. 107/12 16 November 2012 The OFT has decided to revoke the credit licence of First Step Finance Limited (FSF), a large debt resolution company based in Stockport. The OFT has reached this decision because, among other matters, the company: was not sufficiently transparent when describing its services, including in sales calls failed to comply with OFT Debt Management Guidance, the Consumer Credit Act and other consumer legislation demonstrated a lack of integrity. FSF's business model relies in part upon negotiating 'full and final settlements' for its clients. Under this
  20. Hi there, I wonder if anyone has any experience of this and could offer me some advice? I sold my house end of October and due to a shortfall (long story with halifax) I declared myself br Novemer the 2nd 2012. In December I got a notice B10 and B11 from the Land Registry to say that they had put the deeds on hold due to my br! I rang my OR and she said it was not a problem and just wait till the buyer got in touch! Suffice to say I duly received a letter this morning from my solicitor stating that the buyer are unable to get the deeds, could I confirm my br. What is likely t
  21. the lease hold on a property a friend ownes becomes renewable soon,and there is talk of the land owner changing certain aspects of the lease, if he decides to do that does he have to consult us about the new changes or can he just add them/change them and we have to lump it. this is a holiday park to which we have a chalet,and we are one of about 40 people who's lease becomes renewable at the same time. cheers in advance.
  22. Hi, How long do NatWest hold informaiton about accounts/credit cards, essentially I am looking for information in in 1999. Regards
  23. Labour and others are also calling for the signing to be abandoned. Virgin and Stagecoach have had the franchise since 1997. http://www.bbc.co.uk/news/uk-politics-19388309
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