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  1. I know Chris very well and have done for many years. Sadly it seems I'm another one of his victims. I paid Chris £600 upfront in January this year to repaint my mk 4 golf anniversary. He stated that as the body shop side of his business was quiet over winter he could do mine between other jobs and it would be done in 3-4 weeks from then. Nearly 6 months later and I'm still waiting. The car is sat in the same place I parked it back in January. Last month (April) I had a talk with him and told him I wanted the car and cash back and that i would get the work done elsewh
  2. I hadn't paid April instalment of council tax and this month (May) they sent me a reminder for both April and May (as one). Should I have not received a reminder firstly for April (which I had not) rather then one reminder for the two months together ? Many thanks..
  3. I hope somebody on the forum can help and/or advise me please?. I have received several letters from Lowell regarding a debt with JD Williams which is in dispute, I have sent Lowell several e-mails advising them that the debt is in dispute (I sent several items back to JD Williams which was faulty but JD Williams never acknowledged the return neither did they credit my account, this lead to charges being applied to my account which caused my account to go over limit and even more charges being applied) Lowell never responded to my e-mails and have kept on calling both my
  4. Many regular posters might be interested in reading up on the latest benefit fraud and error reports issued (11/15) for the years 2014/15 by type and date you can follow this here >> https://tinyurl.com/j36owu3 or here https://www.gov.uk/government/statistics/fraud-and-error-in-the-benefit-system-financial-year-201415-estimates Final estimates of total overpayments and underpayments across the benefit system in financial year 2014/15. This report provides estimates of fraud and error levels in the benefit system in Great Britain for the financial year 20
  5. Wholesale gas and electricity prices in the UK hit a five-year low at the end of 2015, energy market analysts have said. A mild winter and lower global commodity prices were behind the fall, according to market information provider ICIS. Pressure is mounting on the UK's big six energy suppliers to cut their prices in line with falling costs. http://www.bbc.co.uk/news/business-35309741
  6. Robert Cooper & John Cooper T/A Cooper Brothers - Wishaw Reason for withdrawl - Administrative Shortcomings Period of withdrawl - 5 Years Effective from 16/10/2015
  7. Latest WCA Handbook for Health Professionals, Version 7, 9th Feb 2015 This guidance is for healthcare professionals who undertake Work Capability Assessments on behalf of the Department for Work and Pensions. This document tells you how health professionals are supposed to assess you. It can be downloaded at this link: https://www.gov.uk/government/publications/work-capability-assessment-handbook-for-healthcare-professionals
  8. read the lastest post on the parking prankster's blogspot about planning consent for parking signs, it is something I have beaten PE on before so not an isolated example. http://parking-prankster.blogspot.co.uk/ So, if you get a Court Claim than one of the documents you should ask for from the parking co is the planning consent for the advertising display board. Check with your local council as consent is needed for any sign big enough to be acceptable under the CoP covering the signs that form contracts. Generally the parking co's do not apply for PP an
  9. My son is applying for his provisional HGV for work, new system. We are not getting any help from the DVLA, no surprises there then. A couple of questions 1/ They want his full car license, do they want both paper and plastic. 2/ They ask if he has any offenses, he has a couple from 8 years ago, does he have to declare these or are they SB even though they still show on his paper license. The so called 'guide' is not clear. Many thanks if you can help Lex
  10. The regulator appears to be nudging the industry to move away from using some customers to pay for others The City regulator is to investigate overdrafts amid a suggestion that it will no longer accept the convention that high charges and interest from those in the red are needed to pay for free banking for all. A history of the bank charges battle The relationship between banks and customers over overdrafts has long been fractious and ended in the High Court. A decade ago, fees had been ratcheted higher and customers were beginning to notice; anger was rising. By 2006, some
  11. Read on http://www.telegraph.co.uk/news/politics/10747122/Benefit-cheats-face-higher-fines-and-losing-their-homes.html And what about all those firms like google, multi-millionaires and so on, who love to avoid paying there fare share of Tax in the UK http://www.theguardian.com/commentisfree/poll/2012/apr/10/george-osborne-shock-multi-millionaires http://www.bbc.co.uk/news/uk-politics-17661011 Personal I think it's a lot more than 34 billion lost through non-payment of tax and tax avoidance schemes http://www.theguardian.com/politics/2013/oct/11/uk-tax-gap-rises-hmrc
  12. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/289342/tribunal-stats-oct-dec-2013.pdf For those of you who are interested! Quite sad to see a 79% drop in claims compared to 2012, and it certainly makes for interesting statistical reading. In summary, there are only now around 1,700 claims issued per month - down from 5,000 per month.
  13. Hi, The Consumer Wiki article was last updated in 2007. Before the OFT test case. This article from This is Money was written in 2012, after the OFT test case, but a cagger commented on the article and said that even it was out-of-date. Could somebody point me in the right direction? I know cases of hardship can help. I lost my job on 20th May. Can I reclaim charges for the last few years, even though I was only just made unemployed? Mainly I'm looking to reclaim fees for failed direct debits.
  14. Customers unable to withdraw cash, pay for goods or do telephone or online banking NatWest is facing a growing backlash from angry customers who claim they will shut their accounts after another IT problem at the bank left millions without access to their money on Wednesday night. Customers were unable to withdraw cash, pay for goods and services, or carry out telephone and online banking on Wednesday 6 March and into the early hours of Thursday 7 March after an apparent IT error caused the bank's systems to crash.NatWest said in a statement it was "disappointed" with the disruption but t
  15. Tesco's have announced that there are traces of Zebra in some of their bar codes.
  16. Swiss bank prepares to pay a fine of around £630m for rigging Libor, a fresh embarrassment after the Kweku Adoboli trading scandal. Banks face another big hit to their reputation as UBS of Switzerland prepares to pay a fine of around £630m for rigging Libor – more than twice the amount Barclays paid for attempting to manipulate the key interest rate. Details of the settlement with the Financial Services Authority and a number of US and Swiss regulators are expected to be released next week. The news will be a fresh embarrassment for the Swiss bank after Kweku Adoboli, a former employee, w
  17. Their latest mailshot seeking to tempt users of prepay meters to switch include a "Gift Voucher" worth £55.00 with the offer ending 15th.December 2012. The £55 includes any dual fuel discount. The £55 is broken down as follows; £40 of free Gas/Electricity for those signing up by December 15th,with a further £15 discount every year if switching dual fuels. The small print; The £40 is only credited 6 months after signing up.discount applies only to meters using a key operated meter The £15 discount applies only to meters using a key operated meter. But hold on there is more.
  18. a quarter of uk's home owners fear repossession, is there something in the water? or are the banks trying to steal houses with equity?
  19. Lloyds Banking Group has become the latest British lender to be drawn into the Libor-rigging investigations by state prosecutors in the US. The bailed-out lender is one of nine banks to receive subpoenas from New York attorney-general Eric Schneiderman and his Connecticut counterpart George Jepsen. Several other European banks have also received the requests for information, including Credit Suisse and Societe Generale, as well Bank of America and Japanese lenders Bank of Tokyo-Mitsubishi UFJ and The Norinchukin Bank. The subpoenas were originally issued in August, according to The Wall
  20. http://news.sky.com/story/1004485/ubs-cuts-thousands-of-uk-jobs-amid-restructuring
  21. This is their second increase this year. Other increases are also announced.Customers unhappy and wanting to switch have 30 days after receiving notice to do so. http://www.dailymail.co.uk/money/bills/article-2222478/TalkTalk-hikes-line-rental-3-1-SECOND-rise-months.html
  22. http://www.telegraph.co.uk/finance/personalfinance/consumertips/tax/9550139/Tax-crackdown-aims-to-recover-millions-from-Londons-lawyers.html
  23. Hi, Is this the most recent account in dispute template recommended to send to DCA? A long running Littlewoods account has been passe to yet another DCA who is now chasing despite a CCA request not having been complied with by the OC/first DCA. http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency Many thanks,
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