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  1. 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
  2. Hello! I have won a bid on eBay for a heavy, bulky item and in the listing the seller stated: "· Please only bid if you have a big van to transport · Have at least 2 really strong people to carry, preferred 3 strong people. As it is extremely heavy. o IF this two points are not met, I will not give access to the property, as I don’t want anyone dragging the bed out of it by damaging my floor boards. I won the bid, paid instantly by Paypal, as stated in the listing and THEN the seller said they didn't accept PayPal but would only accept cash on collection.
  3. Hi there I am trying to find out if Lowells did buy the debt are they liable to pay the PPI or is it the Cap One as the Original creditor who is liable to pay this back. I have read it somewhere it is the original creditor who has the right to PPI. Any advice would be greatly appreciated. I have a Cap One card with a small balance which would be SBd in a few months. Lowells claimed that they bought the debt but I had a dispute with Cap One for a long while. I have some PPI on that card which I want to claim. Lowell had put a Default Note in my CRA and the account is in their name
  4. Good evening, I have a problem with a Hermes collection which is making me very worried and upset. I arranged for a parcel to be collected, the courier finally turned up and my husband saw the courier collect the parcel but on checking in the safe place there was no card. My parcel hasn't been received by SimplyBe so they made enquires with Hermes who deny there was a driver in the area on the day my parcel was collected. They have advised that I am liable for the value of the goods. What do I do? Is my issue against the courier or SimplyBe? I have read h
  5. Hello, I am writing here on behalf of my mum. My mum works for one of the major food retailers. One day, in the store canteen there was an independent advisor who had set a desk for the day to talk to staff about tax relief/rebates etc. The main points were about how you can claim back allowance for washing your own work uniform and stuff like that. The company that were allowed by the retailers was called UK Tax Refund Limited. As you can imagine, many staff members at the store, and at 3 other stores around the area were interested in this advice. Unf
  6. I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for s
  7. http://www.theregister.co.uk/2016/05/26/bank_fraud_liability_shake_up/
  8. Hi all, Thanks for giving this a read. Please let me know if this is not in the correct sub-forum and I'll flag for it to be moved. I'll try and keep this short and succinct: We have just returned home from our time away in another city for work and we kept our car in the private residential basement car park for our building - key fob / building access is required for entry. We noted that a number of external components had been stripped off our car and taken. The interior was not broken into as far as we could tell. Additionally, the wires to the CCTV unit which ov
  9. Am I liable for emptying a deceased's relative's flat of unwanted furniture? My auntie recently passed away I very rarely seen her and was shocked that I had a phone call on the weekend saying she passed away in hospital, as I'm her only living relative, I contacted the housing association about giving her flat up, they told me I would need to clear the flat I told them I can't due to other commitments and living too far away, they told me I would be liable to pay then so much for 3 items, can they do this? Am I liable for any costs?
  10. A friend shared a house with a man for a few months. She was not in a relationship with him nor was he a friend. She just happened to live in the same house. She left the house about 4 months ago and apparently the man she shared with is now in prison. She is being pursued by the council for this man's unpaid council tax. I understand that the council is allowed to pursue fellow tenants, but is this still the case when the council knows where the other person is living (ie prison?) Is there any way that she can avoid having to pay someone e
  11. People who are the victims of so-called "vishing" [problem]s cannot always rely on their bank to compensate them, a study has suggested. In nearly two-thirds of cases the Financial Ombudsman Service (FOS) found that banks were not responsible for victims' losses. It looked at 200 examples of the telephone fraud, in which account holders lost up to £100,000 each. But it ruled that the bank was liable for those losses in only 37% of cases. In 63% of them, consumers were left without compensation, having, in effect, given their own money away. As a result it is warning
  12. People who are the victims of so-called "vishing" scams cannot always rely on their bank to compensate them, a study has suggested. In nearly two-thirds of cases the Financial Ombudsman Service (FOS) found that banks were not responsible for victims' losses. It looked at 200 examples of the telephone fraud, in which account holders lost up to £100,000 each. But it ruled that the bank was liable for those losses in only 37% of cases. In 63% of them, consumers were left without compensation, having, in effect, given their own money away. As a result it is warning that a
  13. Hello, I privately rent my house thought a letting agent and told them on their last inspection last month that the lock on our garage was broken and the goods in side were not secure, the garage is not attached to the house but about 30mts from the house. we moved everything we possible could from out there to the house but could not fit in all my sons expensive fishing gear as the rods were too long and a moped (for obvious reasons although it had a lock on ) About 5 month ago we had stuff stolen from our garden, about £1500 worth of profession fishing gear that was soaking wet and had
  14. Hi, I have been a joint executor of my late Grandmothers estate for the past three years. The problem I now have is that the flat, which is a 70% shared ownership (over 55's apartments) has been on the market for the last three years. Its had a few views and a few offers. The last offer was rejected by the management company, Equity Housing (www.equityhousing.co.uk), who say they means test the candidates before they are allowed to let them live at the property. They where rejected because they had too much money ?!? OK, fair enough I suppose. Whats ha
  15. A DCA paid money onto account to make me liable for a debt , I now have the proof that they did this , what can I do , as its showing I made a payment, and by doing so its implying I accepted that I owed the money.
  16. Hi. I am currently going through with a DRO (debt relief order) and it's taking longer than I would wish, plus the guy from Citz Advice is not really helping at all. I get back tonight and 2 letters. One is from Collectica, saying I now owe them £215, £140 of the remainder of the fine and £75 for their BS fees. I have been paying this weekly, missed a week here and there but generally up to date, it was for a motor fine with courts. This is not in the DRO as fines can not go in dro. However the 2nd letter is off CCS Collect. Saying I owe upto £300 for vari
  17. I recently moved house and have noted an issue in the new property that I feel should have been disclosed to me during the conveyancing process and as such puts a liability on the vendor to make good – I’d appreciate some help and advice on my position here if possible. During the conveyancing process I opted for a standard valuation as I felt the property was ok and was more or less aware of the things that needed doing. There wasn’t anything I noted that required my attention. The part of the property in which I have identified the issue is the garage which is adjoined t
  18. Hi, i need some advice as to whether brighthouse are liable for the repair on my washing machine please? I used brighthouse when i couldn't afford to go and buy a replacement washing machine. About 7 months later our cooker and fridge freezer broke within days of each other so purchased them from there also. After about 18 months the washing machine broke so brighthouse came to repair it and said it needed taking away and a loan machine would be provided. To cut a long story short the loan machine was a disaster and flooded my kitchen twice! Then nobody from the store got in touch abou
  19. hi, Ok we rent a property through your move on a fully managed package, our tenants father is the guarantor. the tenant had only been in the house for 6 months, but after constant late payment of rent from the start we issued notice within the first six month, she moved out 04.01.15. the condition of the house is shocking, and your move had to send in a specialist cleaning team who quoted £925 for the clean and redecoration of the property, cleaning company advised it was the worst they had seen ever, also locks had to be changed as tenant did not hand the keys in. the Guarantor
  20. My son bought a small VW van for £100 intending to work on it and get it back roadworthy. He parked it off road on his drive, behind locked gates because it wasn`t insured. Some vandals damaged the gates, smashed 2 windows in the van and pushed it a short distance away. This was about 9.30pm, my son was out but left house lights on etc. at about 11pm my son found out that the van was taken and The Police had already called the garage out to tow the van to a garage about 5 miles away. The van was taken a second time without the owners permission by the garage, now the garage want my son to pay
  21. My son bought a small VW van for £100 intending to work on it and get it back roadworthy. He parked it off road on his drive, behind locked gates because it wasn`t insured. Some vandals damaged the gates, smashed 2 windows in the van and pushed it a short distance away. This was about 9.30pm, my son was out but left house lights on etc. at about 11pm my son found out that the van was taken and The Police had already called the garage out to tow the van to a garage about 5 miles away. The van was taken a second time without the owners permission by the garage, now the garage want my son to pay
  22. Hi, I sold my ten year old Citroen privately to a buyer. The car had cosmetic damages on the passenger door side i have taken photos of all these damages and listed on autotrader, it had 5 months MOT let and Full service history, recently changed cam timing belt and fitted new battery. The seller come down checks the car for 2 hours and take it away after signing a sale receipt which mentions "sold as seen". 18 days on he calls me and says he got an independent check and there is a list of fault with a major fault with gearbox which he claims has been there for a while now and the car is
  23. If a bank sent a letter out to a customer in June 2013 saying that they had a payment of £544.21 off a loan which reduced the monthly payments, and it comes to light in September 2013 that that payment was not taken off the customer's loan, is it on the customer to prove how the payment was made, or the bank to prove why it was not taken off the loan and where it went? I have gone through RBS complaint's team and they are now trying to say the letter was a mistake and sent to me in error, yet it was system generated, so that either means all their system is wrong with customer's informa
  24. On a recent holiday in Devon, my rear side panel has visibly damaged by a stone thrown up from a Devon CC owned verge cutter and will cost upwards of £300 to fix. Devon CC's insurers have not admitted liability as they say the drivers are well trained did nothing wrong and the onus was on me to have avoided the stone (not clear how this could have been done?). Can this really be the case? The driver was very apologetic and I have no issues with him but he did inform me that a similar accident happened a month ago on the same road. He also said that the verge/he
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