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Found 18 results

  1. There is an interesting article in The Times Business section today about a possible debt bubble within the Debt Collection Agencies. Seems ironic! Search, using your favourite search engine, - The Times with "Questions are growing about a possible bubble in the debt industry" It claims financial experts are worried about the expansion of the debt purchasing industry is creating a bubble that will soon burst. They say that most of these 'toxic' debts have scant paperwork; time barred or belong to the poorest sections of our society. Therefore, they will find realising these pote
  2. Found this in the Guardian today A young man committed suicide, for a debt that had escalated from 2 PNC's https://www.theguardian.com/money/2017/apr/30/debt-ridden-couriers-suicide-after-bailiff-visit-prompts-call-for-reforms#img-1
  3. When you hear a Judge crticise the management of a company like Thames Water for their bad behaviour, it reminds you of the poor agressive behaviour by water companies we see on CAG. E.g using High Court enforcement on debts owed by customers. Water/sewerage provision should never have been privatised, as there is no evidence to support greater investment by these companies in maintaining infrastructure. You hear reports of water leaks going unrepaired for many weeks, after being reported. Bills seem to increase every year. Excessive profits mostly end up going to foreign investors ov
  4. Rather late in the day I've just noticed this document http://www.scoronline.co.uk/sites/default/files/high_level_prinicples_document_final.pdf which purports to set high-level principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies. You would think that this kind of document would be put together by the Information Commissioner after great thought and deliberation in his role as the guardian of the human right of privacy under article 8 of the Convention. Not so. This document was put together by the credit industry and then merely appro
  5. The latest thing is the mis-selling of PCP car finance deals, according to the National Association of Commercial Finance Brokers (NACFB). They have said that lawyers have started to look at dealers and finance firms, to see if customers have been sufficiently informed about the higher interest rates for PCPs, and the like. With around a million cars being sold on PCP deals last year alone, if there's any deception found, this could be huge for the car industry, and indeed, very profitable for claims companies. If it is found that drivers have been poorly informed, or ev
  6. So, despite all of the bleating, the hype, the threats, the smooth posting on these forums and elsewhere, BES utilities have been found to be in breach of several obligations of required industry standards. This will come to no surprise to a large number of people who had dealings with this shabby company and in particular it will come as no surprise to the victims who have suffered from the unjust bullying that they have received at the hands of BES utilities and which in some cases have even destroyed their businesses and their hopes and ambitions. I see that as usual, not only as
  7. Change in government’s energy policy blamed for job losses just as solar power eclipses coal in electricity generation I just do not get it,why? Article. http://www.theguardian.com/environment/2016/jun/10/uk-solar-power-industry-job-losses-government-subsidy-cuts-energy-policy
  8. I do find that that the bailiff advice part of the site has been taken over a little by 'industry reps' who often support wrongful actions by EA's or HCEO's, without any helpful advice for Joe Public about what they can do. The replies often supports the actions of their colleagues in the industry. I think this is something that the CAG site team should keep an eye on. People come to CAG for fair balanced advice, which should hopefully enable them to resolve their problem. If CAG allows the site to be taken over by anonymous industry reps, it could damage the reputation of the site
  9. Within the last 18 months I have changed Banks three times no less. Within days of opening the accounts, I have had to make formal complaints to all three. For each Bank, I set what I considered to be a just and reasonable amount, to compensate me for the issue complained of. I must admit,. a couple of Banks voluntarily increased the amount I claimed, knowing my claim to be so fair, given the cicumstances of the claim itself. The total number of claims agreed and settled has sadly exceeded 23 claims shared by all three. I am still with my original Bank and now they too
  10. Hi, I'm just starting to get a handle on my finances after a sudden change of circumstances. I'm in around £8,000 of unsecured debt to various loans/overdrafts/credit cards/catalogues, and now my landlord (I'm a leaseholder) as such saddled me with an additional £2,500 debt which has tipped me over the edge. I'm in the process of opening a new Current Account and Saving Account with a Building Society and am now trying to rework my SoA so I can comfortably afford to repay these debts but also not have to get into further debt when the excrement next hits the fan. Up till now I
  11. The Citizens Advice Bureau is calling on the Office for Fair Trading to immediately ban the payday lenders it says it has evidence of causing harm to borrowers. A six month investigation by Citizens Advice found evidence of a number of “unscrupulous” payday lender firms engaging in irresponsible lending, inadequate checks, harassment and refusals to agree on repayment plans. An analysis of 780 cases reported to Citizens Advice between November and May uncovered evidence of lending to people with mental health issues, people who were drunk at the time and borrowers under 18.CAB chief execu
  12. City regulator to investigate whether insurers 'drag heels' when it comes to paying claims. The new City regulator will investigate whether insurers are "dragging their heels" when it comes to settling valid claims, and relying on the small print of policies to avoid paying customers. Martin Wheatley, the chief executive of the Financial Conduct Authority said this investigation would form part of a wider "thematic" review into the insurance industry. Announcing this investigation he said that the number of complaints against insurance companies was rising "and more [of these complaints
  13. I have just received a copy of the following Press Release from CCR-Public Sector: MoJ begins bailiffs law meetings Tuesday, 19th March 2013 The Ministry of Justice has confirmed to CCR-Public Sector, that meetings have started in London, between the various interested parties, to move forward implementation of the government's proposals for bailiff law and certification overhaul. The working groups have started and include: · Debtor Group · Advice Sector · Enforcement Industry Group · Local Authority Gr
  14. The enforcement and advice sector were taken by surprise late this evening when news channels contacted them for interviews in connection with the Press Release issued to the media last night outlining how the Ministry of Justice plan to regulate the bailiff industry. Included in the Press Release are the following: Mandatory training scheme for bailiffs Bailiffs who do not follow the rules will be barred Stop bailiffs entering homes when children only are present Stop bailiffs using force against debtors. Bailiff will only be able to enter homes between 6am and 9p
  15. The industry has put forward a range of alternative Financial Services Compensation Scheme funding models to achieve a fairer way of levying regulated firms. The FSA’s consultation on reviewing the FSCS funding model, which closed last week, proposes increasing the annual limit of claims paid by investment advisers from £100m to £150m and calls for claims exceeding the annual limit for one class of firms to be met by a Financial Conduct Authority “retail pool”. It also proposes basing the levy on either one third of the claims expected over the next three years, or the costs anticipated for th
  16. Britain's taxpayer-backed lenders are set to pay out at least £7bn to customers who were mis-sold payment protection insurance - with the total bill for the banking industry topping £11bn. Lloyds Banking Group said on Thursday that PPI compensation costs would hit £5.3bn as it set aside a further £1bn against claims, while Royal Bank of Scotland is expected on Friday to confirm that its total bill is likely to be increased by £400m to reach £1.7bn. The provisions by the two state-backed lenders follow Barclays’ confirmation this week that it expected the PPI redress claims to total £2bn a
  17. British banks have put forward proposals to reform the sector after a summer of scandal further battered the industry's reputation. Barclays called for a chartered institute of bankers in its submission to the Parliamentary Commission on Banking Standards. It would oversee a code of conduct and a register of banking professionals. It would have the power to strike off bankers who do not stick to the set standards, Barclays said. More: http://www.bbc.co.uk/news/business-19681783 Parliamentary Commission on Banking Standards Report: http://www.publications.parliament.uk/pa/j
  18. High street banks have “lost their moral compass” and must “fundamentally change” their practices in order to restore the public’s battered confidence in them, a leading consumer group has warned. Which? has written to the new head of the British Bankers' Association (BBA), which represents the banking industry, urging him to raise levels of customer service in branches and make banks more accountable for bad practices. The group also warned Anthony Browne, who starts as chief executive of the BBA on Monday, not to give in to pressure from powerful banks to “defend the indefensible”.
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