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  1. Hi We moved in to our rented property at Christmas 2017. We both work from home and took the property based on being able to do just that. My fiancé has a photography studio set up here with regular clients coming to the house. In May we found out that the neighbours had sold a patch of their garden to a builder who is now building a house on the land. The noise is unbearable, we are woken up every morning at 7 and we can't use the garden because of the noise and dust. The neighbours are also having their remaining garden paved by a separate company who also make noise from 7am. To top it off, our other next door neighbour have just started work on their house so we have to deal with hammering and banging all day on that side too. The landlord claims he knew nothing about any of it, which is rubbish and the builders have confirmed that they have had extensive conversations with him as part of the planning process and he in fact moved out of the house because of the construction. We have already asked for a rent reduction as we have been deceived in to moving in and the worst part is we pay nearly £2k in rent to live here! In this beautiful weather, we haven't been able to enjoy the garden at all. I have spoken to a solicitor who has told me whilst the landlord did have a moral obligation to tell us about the work, he unfortunately didn't have a legal obligation, which I just cannot believe! We have spoken to the builders who have now said they will try not to do noisy work before 8am, but even minor work causes enough noise to disturb us. We have to have the windows open because of the heat and there is no escape from it! We've requested a rent reduction but the landlord said no and we would have to pay to get out of our contract. There is another month left of the building works and we just don't feel like we can cope with it anymore. We're both being woken up in a state of stress and anxiety and its impacting on our work and our health! Is there really nothing we can do!?
  2. My brother has worked as a car valeter for a firm for seven years. His firm has now made him and one other member of staff have a medical. Both these have diabetes. Neither of them wanted or felt they needed to have a medical and be singled out. The firm said it was regarding getting cheaper car insurance. The other person works as an accountant and never drives for the firm at all. Is this legal to force members of staff to have to undergo a medical they don't want to undergo.
  3. My son was called by Vodafone and told that they would like to offer him a free gift as a valued customer, and said they would send him a new tablet. It was only when he received his next bill that he discovered he was now being charged £19.99pcm for a data plan for the tablet. We called them to complain and the lady apologised profusely and said she had removed the data plan from his account, and raised a credit for the amount already billed. My son duly returned the tablet in the envelope they provided. This was in Sept, he has been billed for the data plan every month since. On the original call we also arranged a new phone and plan, which we were told would cost £32pcm. "Great" my son said, "that's less than I'm paying now". The vodafone representative agreed it was a great deal and cheaper than the old plan that was £35. The first bill came through for the new plan with a monthly plan charge of £57, (plus the data plan). My son couldn't afford this, so they disconnected him. We contacted Vodafone again via web chat. They promised to listen to the original call to confirm he was offered the plan at £32pcm and get back to him. They also promised they had again cancelled the data plan as they could see that the tablet had been returned. The phone was reconnected whilst the matter was being investigated. A week later he was disconnected again, desite no-one getting back to him. Web chat 2 - all the above explained over again - same promises made by the Vodafone representative, apologies for being let down previously. Advised my a/c had been marked as a priority and someone would be in touch the next day to resolve everything and confirm compensation for the problems. Phone was reconnected, and we were advised it would be working by 3pm that day. Restarted the phone numerous times as instructed, still restricted. Web chat 3 - 9pm the same day - Operative confirmed that all restrictions had already been lifted and to try restarting it one more time - this time the phone did work. Web chat 4 - less than 24 hours later, phone was disconnected yet again for non-payment. Explained everything yet again, after over 2 hours of explaining that he was being over charged for the phone plan, and billed for a data plan he never agreed to, the operative said "I have great news for you, I will credit the data plan, but you must call back tomorrow to cancel the plan". No mention of the issues with the phone plan over charge. My son pointed out that he already had called in and cancelled the plan He couldn't call in anyway because his phone was still disconnected. He also explained that he suffered from anxiety and was unable to deal with the matter over the phone. They again insisted he must call in. He reiterated that the situation had caused him anxiety and panic attacks, and that he physically could not speak to anyone on the phone. The operative then said "you must: and cut him off. Today, I received a message on my mobile phone - not with vodafone - no idea how they obtained my details as my son never gave them my number - message was from a debt collection agency saying he must contact them urgentky about hid Vodafone account. GDPR breach???
  4. Where do i start, i really need some advice, ill give you a bit of background information. Around 6 years ago i got into some financial trouble, my business ran into trouble and i had to stop trading, this cause me to change my finances quite drastically and i had to get a job. a job i still do now. I also lost my rented house a couple of years later and had to live in a caravan while my wife stayed with relatives, winding forward we managed to save enough for a deposit to buy a house last year, this had a knock on effect because we sold everything to get the house. This caused me to default on some debts, and one of these was a credit card with £5k owing, for years I've heard nothing until recently the debt has been passed to Intrum Finance (who i believe are First Credit) I have yesterday received a county court form to the value of £5900 ish (i don't have it with me) for a debt that was defaulted 5 years ago.... i will admit i did bury my head about my debts just to get through. I have no savings and there is no way i can afford to give them this amount now, i know its my own fault, i got myself into this, but i never expected my financial circumstance to change so drastically. if anyone can help, i would be eternally grateful
  5. Hi! This is my first post so please bear with - also @ mods/admins if this isn't quite the right section please move me! I've recently been told I have been made redundant and have 2 weeks left until I am out. I've talked with everyone I have monthly payments to and cut back as much as possible, but I'm a bit concerned about my car's finance. I can get a temporary part time job at a friend's business that will just about pay for the car (part time, about £750 a month so will get about 550after taxes, etc according to income-tax.co.uk) but I do not know if that's the best thing to do while job hunting. I have a chunk of money in savings that can fund the car but I want to avoid using that for other expenses. I want to avoid debt at any cost as long as it isn't my credit rating - what's my best course of action? Sorry if it's a bit of a jumble - please let me know if you need any more info and I'll get back ASAP! Thanks
  6. Animal welfare boosted by new law coming into force - England Only READ MORE HERE: https://www.gov.uk/government/news/animal-welfare-boosted-by-new-law-coming-into-force
  7. A teacher who drove into an airport worker following a row over a new £3 drop-off charge has been spared jail after a judge said he agreed the levy was an "absolute disgrace". Graham Benbow, 55, flew into a rage at Manchester Airport when he was told he would have to pay a fee for dropping off a passenger at a departure terminal. An airport official tried to stop Benbow from driving his Mazda through an open barrier but ended up on the car's bonnet before he was carried along a road for several hundred yards, Manchester's Minshull Street Crown Court heard. Benbow, a psychology teacher at Altrincham Grammar School, went over a roundabout before he stopped for police. The unnamed worker was uninjured in the incident but said he "genuinely believed he could die from falling off the bonnet." https://uk.news.yahoo.com/judge-calls-airport-apos-drop-172437507.html
  8. Its been a long time coming but one of the biggest PDL firm is about to fall. Part of it has to do with PDL Reclaims... This is a consequence of this... Wonga is on the edge. Grant Thornton could possibly assist with the administration. Remember this is a firm who in 2014, was ordered by the City watchdog to pay more than £2.6m in compensation to 45,000 customers who were sent letters purporting to be from law firms but which in fact did not exist. At this time their site is still offering loans. As per usual CAG advice is to stay away... Further updates will be posted as they unfold.
  9. Wonga going into Administration. READ MORE HERE: https://www.wonga.com/
  10. This from OFCOM More information and a link to the consultation is HERE
  11. Older home-owners are being given more borrowing options, as a building society launches a new range of retirement interest-only mortgages. Leeds Building Society said it is entering the market, with the new deals initially being made available through brokers. Interest-only mortgages allow people to make regular interest payments on a loan, without paying off the loan itself – but the capital must be eventually paid off. Leeds’ new mortgages are being offered to borrowers aged 55 to 80. https://uk.yahoo.com/finance/news/interest-only-mortgages-lasting-retirement-230100829.html
  12. Opened: Feb 2018 Investigation into Iresa and its compliance with its obligations under its gas and electricity supply licences READ MORE HERE: https://www.ofgem.gov.uk/publications-and-updates/investigation-iresa-and-its-compliance-its-obligations-under-its-gas-and-electricity-supply-licences-slcs-14-233-234-25c-slc-0-october-2017-275-278-2716-and-chsr-2008
  13. Hello, i'm new here having only just discovered this site I have a residential property with a mortgage in only my name which is all upto date with no arrears. there is about £145,000 equity in it. However i have 4 other charges on the property ( so total 5 inc initial lender) these 4 arose out of BTL props that "went wrong", banks sold the properties off way cheap, leaving shortfall debt which they then turned into secured charges. the total of the shortfall debt is approx £390,000, yes i know , its huge, ( as i said the banks gave the props away) so i have £145k equity v £390k shortfall some questions: If i try and sell the property what will happen? ( from a maths point of view if i did sell the property the 1st (Original) and 2nd chargeholder would be paid in full but there would no be anything left for the others) and if i try sell the property, can the 2nd,3rd,4th or 5th chargeholder block it? what else could i do? TIA
  14. Tougher laser misuse laws come into force READ MORE HERE: https://www.gov.uk/government/news/tougher-laser-misuse-laws-come-into-force
  15. Not sure if anyone's seen this, I doubt it will make it onto the Can't Pay show. DCBL agent forces his way in to a residence where the occupant has told him he is not the debotor and does not know the debtor, Police are called and as usual support the agent in his incorrect actions https://tinyurl.com/yad63obg
  16. I purchased a new 2 seater sofa and 2 chairs from SCS, the delivery turned up today and the delivery men were unable to get the furniture into the property. They were useless couldn't speak much English and give up. There is another attempt arranged to deliver tomorrow with a different crew, hopefully this crew will be more professional. What I would like to know is what would happen if the second crew also fails to get the furniture into the property? Could I request a refund? I have never had problems before with getting furniture in and out of the property and that is with larger furniture i.e a 3 seater sofa.
  17. I can't log into my account today with my PC, although it still works most of the time with my phone. I keep getting a message about AOL being called Oath now and it says that before I continue it wants me to confirm I'm in the UK and to confirm their new privacy policy. When I try to accept their conditions or manage my options, it says 'Oops something went wrong, please try again later.' Every time I try, I go through the same loop. What am I doing wrong please? Thank you for any help. HB
  18. I believe that a former employer may have acted unfairly against me whilst I worked there and I'm intending to SAR them to see if there is any evidence of this which I can use. I do not know where the evidence may exist or in what form, whether it is in emails, phone calls (which I know to be recorded and stored) or paper records so I would like to make a SAR for every piece of information they have. I also obviously do not want to disclose the reason for my request and find that the evidence I'm looking for may miraculously disappear. I am uncertain whether it's better to make a SAR in the next couple of days (before GDPR comes in), or wait until next week when GDPR is introduced. Under the present system, AIUI I pay the statutory fee of £10 but I then have an unqualified right to request all information. However, under GDPR the statutory fee is abolished but they will be able to charge a 'reasonable fee' where the request is 'manifestly unfounded'. Is there any guidance as to what a reasonable fee might be (lower/higher/the same as the current statutory fee?), and what qualifies as a 'manifestly unfounded' request - is a general request for all data rather than a targeted request considered 'unfounded' in itself?
  19. Asking on behalf of someone I met earlier today. They moved into a council house 2 to 3 weeks back and have a problem with rats getting into the kitchen and bathroom via existing holes in the kitchen floor. Rats have been present in the rooms at the same time as the residents. The council advised they offer no free pest control service but the tenants can pay for the council to visit at a cost of nearly £50. Does the council not have a duty to deal with this as the problem was present when the tenancy started. And, if the council has such a duty, can someone quote the legislation so the tenants can take this back to the council. Thanks
  20. Opened: Feb 2018 Investigation into Ovo and its compliance with its obligations under the gas and electricity supply licences READ MORE HERE: https://www.ofgem.gov.uk/publications-and-updates/investigation-ovo-and-its-compliance-its-obligations-under-gas-and-electricity-supply-licences-standard-licence-conditions-31a-and-25c-slc-0-october-2017
  21. New bursary to get veterans into teaching READ MORE HERE: https://www.gov.uk/government/news/new-bursary-to-get-veterans-into-teaching
  22. Hi I'm a little frustrated to say the least.. ..I've just made a drop off in a street in Newcastle upon Tyne (1.00am) - I noticed when I entered the side road that it was 2 way traffic but had calming area at the entrance/exit for one vehicle only to pass. It had 2 huge black and white "Sharp Deviation" or "Chevron" road signs on two black poles around 15 feet from the junction. I am pretty sure as this road is a normal road with no tight deviations that the wrong sign has been installed. I would assume when a chevron sign has been used it is informing motorists of dangers to tight bends (?) I was unfortunately distracted and forgot the road tethered into a calming area with exit for one vehicle. I parked the vehicle on the right hand side of the road. From that position, I then reversed - checked mirrors etc and haven't noticed the black pole (which is a foot into the road) as the street has extremely poor lighting (it was 1am and the road is nearly in darkness). I've caused major damage to the side of my car with damage done to the side bumper and rear quarter panel before it gets to the wheel arch. I am annoyed with myself but I'm equally annoyed that I can't understand the mentality of why the council has placed a Sharp Deviation sign on 2 black poles with each pole causing an obstruction on the path (for wheelchairs) and the road. It's baffling and I've genuinely can't remember seeing another road with this type of signage. I would like to assume the correct sign which should have been placed is the road would be the mounted yellow plastic signage (yellow and white plastic bollards with a blue arrows). There is also no coloured road surface to inform drivers its a calming area. I would like to know if I have a case to take legal action against the council for damage done to my vehicle. I've obviously made the error by not checking everywhere before moving but feel I have not been helped by the poor decisions of the Council. I have attached the files but will try to also add the photos to this thread too. Hopefully I'm reading this correctly.... I've just searched to see if there is a minimum width which councils are required to abide to for clearance for wheelchairs (as the pole is also cemented into the path). I've found this: The British Government have set a recommended minimum width, to be enforced by local Authorities. What is the minimum width? Answer: "1800mm on access routes to buildings, from bus stops or car parks with a deregation down to 1200mm around existing obstructions -'Manual for Streets 2' CIHT 2010". I do not believe the clearance is 1200mm and will check this tomorrow. If the width is less than 1200mm is the signage illegal? Thank you in advance for any help C
  23. New overdraft alerts as CMA banking rules come into force READ MORE HERE: https://www.gov.uk/government/news/new-overdraft-alerts-as-cma-banking-rules-come-into-force
  24. Hello, I hope I have got the right forum for this question 6 days ago, in strong winds, a conifer tree from my neighbours garden fell into my garden. I immediately brought it to the attention of my neighbour and she said that she would notify the rental agent. As she is renting the property. I spoke to her this morning and she says that although they had promised on numerous occasions that they had spoken to someone to come and remove it, nothing has happened. If I had to take action, as is more than likely, as I know the property agent is extremely unreliable, who do I take action against? What would be your advice. I guess that I should just keep reminding the tenant? Any help would be greatly appreciated!
  25. A retired lawyer by the name of Robert Ransome has published his research into the planning consents or lack of them for all the private car parks he knows exist. It is clear that in most of the places no PP exists and is required by law so the arguments we have used here have been reinforced by his work and the ParkingPranksters commentary on the whys and wherefores. There is alos some clarification over whether retrospective permission can be given and the answer is NO so those who got caught out by Parking Eye's lies have recourse to remedy if they wish to choose it. the problem is that you have to get the local trading standards people interested and they rarely look into matters that are of little concern as far as things like public safety go but it is always worth getting a compaint lodged so they can collect the data for the future. The research is linked to the parking pranksters web page ( the dot com, not the blog) but is linked via the blogspot. My first fight with a private parking co was with Parking Eye over a NTK issued at Lidl in Addiscome Rd Selsdon more than 7 years ago. I took them on regarding the lack of PP and was helped by the fact that Lidl's main car park used to be the pub next door they flattend but failed to tell the Valuations Agency and the local council so a relatively easy victory it set the scene for how the parking companies hide behind the skirt tails of the landowner when they are threatened with having to pay business rates for being there ( Lild forgot to tell the council and VA that they had turned the pub into a car park so the land hadnt been assessed for business rates). I know the upshot was that PE just passed the buck and Lidl landed a bill for another £50k on their rates becasue they denied that it was a separate business. I suppose Lidl paid up as they could then give PE the boot if they desired to do so but my gut feeling is that the contract was so poorly worded they didnt fancy testing it. So, look up the relevant place and even if your ticket is from a hotel or residential development the law is the same, they need PP, even if it is given on the nod upon application.
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