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  1. RBS got a DCA to chase me on a 12 year old debt but I kept ignoring the letters. It's now gone back to RBS and they've instructed Moorcroft. There's nothing on my credit file, probably due to the time scale. Do I just ignore them or issue a CCA straight away?
  2. I parked in a no through road which leads to the entrance to a supermarket car park and a derelict building site, which after many years of standing empty is finally being redeveloped. The road is accessed from a main road, where there are normal road markings and no signs stating that you are entering a private road and there is No Parking or any charge if you do park in it. Shoppers often park in this road for a short time whilst they go the supermarket, even when there are spaces available on the store car park. One day I parked in the road because the supermarket car park was f
  3. parkingbill2018, where are you with this case? I've got the same problem on the same location, but mine is on early stage, have only passed to the ZZPS LTD Could you please update when you get a resolution Thanks,
  4. Hello all, I was a university student who signed up to my local gym. My last payment to the gym was in February of this year. I believe the payment was set up at £19.99 pcm. I ran into some financial troubles in February and the direct debit for this membership was revoked by my bank (HSBC). I viewed the email sent to me by the gym group and assumed that next month when they came to debit my account, they would take the amount owed + the next membership instalment. I recently started receiving phone calls from CRS, of which I have not picked up. I then checked my emails and
  5. Hi, I have accumulated some relatively large charges from HSBC Business over the last few years, mainly for unauthorised overdrafts. Is it possible to have any of these refunded? I am in quite a bit of financial difficulty at the minute. I dont have any lending on this business account. I would also like to keep the account open, so dont want to do anything to harm that if possible. Thanks for reading! Jamie
  6. Purchased a 'Pioneer XCM86D' Network music player/streamer. After 2 months noticed the sound cut off, but as it came back on didn't think anything of it. This got worse and more frequent as time went on until it happened most the time. Took it back to shop , but only realised after looking out receipt that the manufacturers 1 year warranty had expired by 1 week. Shop offered to repair, however after a couple of weeks unit was returned, told it was not feasible to repair as would be too expensive. Received back today told nothing else they can do. left with it
  7. I bought a rug from modern rugs last week. It arrived yesterday and while the pattern is the same, the colour of the rug is different. I have looked at their returns policy and they say they will refund the money if we send the rug back within 2 weeks at our own expense. It is a 116 x 170 rug and will be expensive to send back and as they sent a product that was not as advertised I do not feel I should have to pay the return costs. Does anyone know what rights I may have buying something online that does not match the pictures in the online shop?
  8. Well another thread.Looking around saw a few articles on this idea and thought i would pop the idea on the forum. On this fine,sunny,crispy Monday morning in Spring to start the week off. Seems to be gathering momentum worldwide.Or the idea of. A bit rushed,maybe not that clear but a start that is all,i will find more articles as time goes on. But have a look around and have your say on what you think. Some say if companies were to invest massively in new machinery,many of our jobs could vanish. Saying the price of employing cheap labour is far cheaper than the modernising
  9. Government pulls all Learndirect contracts and funding https://www.theguardian.com/education/2017/aug/15/government-pulls-all-learndirect-contracts-and-funding?subid=19389892&CMP=EMCNEWEML6619I2 Learndirect, which was privatised by David Cameron’s coalition government in 2011 and is majority-owned by the private equity arm of Lloyds Bank An FT/FE Week investigation this week found that in the four years since it was sold off, it parent company spent 84% of its income, most of which came from the taxpayer, on payments to managers and financiers. learndirect oppos
  10. Summer has arrived and Thunderstorms are around. If you would like to track Storms moving around Great Britain this is for you. You can close into your town see strikes in real time and even time the thunder before it reaches you. As you zoom in, you can even see the strikes in nearby streets. At this moment 03-14am I notice just off the coast of South East of Britain is getting a beating. Anyway the link you will soon get used to it.Just turn the sound on, and as you close in you will see the lightning strikes and track the thunder before it reaches you . Strange thing
  11. Due to recently selling my house and buying a far cheaper house elsewhere I now have a bank balance of £149,509.10 in my Santander account. Despite this they pay me no interest at all. Santander said I could obtain a different type of account that would pay me interest but only on a balance up to £20,000. I am of the impression that the bank doesn't want my money and would prefer me to transfer it elsewhere. I find this very strange indeed because I thought banks needed people with large balances so they could lend to other people and charge interest on the loans. S
  12. Hello, tried everywhere including sheriffs office itself.... it is a long story but i will start from getting CCJ against me, which i was paying £15 a month (in total until HCEA came £360 of £1490 original debt) just to clarify i admit the debt and i have intention to pay it in full. I had arrange £15 a month but has few hard months and debt been transferred to HCEA, in the mean time we have moved shops (this is business debt) when EA came he couldn't do anything as address on writ was wrong EA said all letters has been send to our old address and he need to
  13. Hello all, I recently purchased a new blazer from a well known mens formal clothing company for a black tie event I have coming up. The blazer was received and as I have long arms, I quickly checked it and called my tailor to collect it to lengthen the arms. She collected the jacket and returned it a few days later with the alterations being made. This is when I tried it on with all of the trimmings and noticed that the collar was different to the picture on the website - the product I thought I had purchased. I only noticed it was a totally different style of collar once I h
  14. I have just given Foxtons my 2 months notice to end my assured shorthold tenancy. Foxtons have phoned me numerous times telling me they will be doing viewings in 2-4 hour slots across the days & that I dont have a choice to be there nor the right to find mutually convenient times enabling me to be present. I have said I am happy for viewings to be arranged at a mutually convenient times when I can be present in evenings & weekends. I have said that I wish to be present for viewings. Foxtons are being very aggresisve & bullying telling me I don't have the right to restri
  15. 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
  16. I will make this as brief as possible. Back in the day,my day.Many years ago. As a First time buyer went looking around, found a house that needed a little work then spent a few years slowly doing it up.Family came,happy days. Prices reasonable,usually a few houses around that suited the first time buyer on a low wage. Now i have talked to a few Landlords in the last few years. Worked for a few but never really enjoyed the work.Not like working for owners. Sometimes more dough but not the same. Not the people but the thought that many of these properties should be bought by
  17. I just thought I'd post list for your chuckles I noticed a Default on my credit file. So wrote to Lowell Group requesting CCA etc etc. Finally got a letter from Naturally Close (Lingerie catalogue) I'm a man, and not that way inclined! Anyway, Naturally Close quoted "The Account was originally opened on 18th Feb 2007" and "We are under no obligation to supply you with a signed copy of your agreement at this time. However please find enclosed a Reconstituted "True Copy" of your agreement allong with the terms and conditions..." blah blah.. Firstly, no such agreement has been si
  18. Apart from world peace, what would you like to see happen in 2016 ? And perhaps we can avoid any debate on the EU in this thread, in anticipation that a few take interest in this.
  19. Hi I was drawn to an offer of two pairs of glasses for the price of one at our local optican so I took up the offer. Normally my employer pays for my test but this offer seemed good. The experience was okay until I was asked by a counter person to answer some medical questions about my parents. She asked if my parents had Glaucoma and Diabetes. I said I thought my father had Glaucoma and Diabetes. He did have diabetes. She then said I can now have a free test. I was willing to pay there and then, though she insisted that I qualify for a free test. She asked me to sign a form for the
  20. After realising there are many craftspeople about.I thought it would be nice to open a thread for many that work this way. Whether full time or part time if there is such a thing. I realise many put many hours in perhaps for little return,but are happy to create. If you do such a thing whether for profit or fun tell us what you do and maybe send a photo or two that shows your craft. I do not know what many do but would like to know. You could make cakes,you could bake,you could embroider,knit,carve.I have not a clue what you may do but would like to know. Are you a craf
  21. Knowhow Coverplan is the worst company I have EVER dealt with. I bought an expensive computer in PC world as I am currently a PhD student. It was approx 1200 euro and covered it with them. It was stolen in Athens in June. I filled in the documents and had a police report etc etc and sent it all in. Weeks later I had heard nothing and contacted them. After a long wait I got a guy who said it had been processed and they had sent me a cheque but that it could take TWENTY EIGHT days to arrive. 28 days to get from England to Ireland ??? I
  22. I looked around and it looks like Kwik Fit is very "kwik" to cancel unilaterally car policies. Obviously they must be making a good profit out of that, right? It happened to me too. I get paid weekly, and Direct Debits which are imposed as the only payment method by most insurers, are maybe good for monthly salaries, but matching a date of the month to a day of the week when I get paid weekly, is a total nightmare. So, after a text message telling me of the usual 7 day notice and asking to get in touch, I sent Kwik Fit an email via their website for customers, on Tuesday 16th of June
  23. In past versions of Windows, Microsoft has allowed users to configure how they want operating system updates to be delivered. Those looking for the ultimate protection configure Windows Update to automatically install them, while others may, accidentally or not, disable the feature or postpone installing any updates for a very, very long time. I have seen systems that last had updates installed years before I was asked to troubleshoot them. With Windows 10, however, Microsoft is taking matters into its own hands, by making automatic updates mandatory. This applies to both home and busine
  24. I think youll love this one. I am really not surprised at all... Looks like the monkeys have wised up Consequently I did later receive an email apologising that they wouldnt bother me again...
  25. Hi, I wonder if any of you IT buffs might know what the remedy to this is? I opened the PC - a Dell Optiplex 745 to change the little round battery. I noticed these capacitors (I think) which appear to have leaked. Can anyone tell me if these are replaceable/repairable or is the likely end of my motherboard? Thanks
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