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  1. I'm about to buy a (relatively) low cost item from a small-time online manufacturer who usually sell in large quantities to tradesmen. They have applied a 'low order fee' to make my order up to £50. Are they allowed to do that? (I suspect yes). I noticed in the Shopping Basket breakdown that VAT then also got applied to this fee - are they allowed to do that? Thanks.
  2. Hello! I got a PCN for driving my van in London without paying the low emission zone fee. I already returned to Portugal. I wasn't informed about the need to pay this fee. I didn't do it on purpose but because I didn't know at all that my van was entitled to pay this charge. I don't have money to pay. Do you know if they can find you abroad and send the letters to your home country?
  3. Can somebody please advise me? MBNA have told me that I have had PPI on my credit card since 1998 and I assume it is still going as I have not been told it was cancelled at any time. I have received a letter today saying that they have upheld my complaint and are offering me a redress of £51 PPI and £405 total with interest. This credit card has been running at a 30%+ interest rate and from around 2006 to 2014 the total debt has run at least 5000 per month. Does a figure of £51 total PPI paid over 20 years at these figures seem realistic or should I go to the Ombudsm
  4. Hi Can someone please advise whether my car is exempt from being seized by Bailiffs for a debt of £1700 when it's only worth about £400-£500. It's also vital as my role as carer for my two autistic children, it's not an official disability car but I'm their registered carer and need it to take them to appointments and to and from school as public transport is a no go due to their condition. As I understand vehicles with a value less that £1350 that are needed for work are exempt, does my role as a carer put me in this category? Thanks Lisa
  5. Hi all I'm in a bit of a dispute with Virgin media at the moment... I pay for landline & broadband with them since April. I was supposed to be getting 100mbps, and I am only about 20-30ft away from their cabinet. They even laid new cable to my house, fitted new connection boxes and phone socket. To begin with speeds were ok. But for the last couple of months they've been dreadful. They haven't fixed anything, I'm paying for a 100mbps service that is on average giving me just 14mbps... For the last week I've been taking screenshots of those speeds and saving them on my comput
  6. http://www.bbc.co.uk/news/business-40338220 Barclays facing possible fraud charges in relation to Qatar 2008 deal. Given that there may now be a court process that follows, we have to be careful what we say, as public comment can be seen as prejudicial. The only observations i would make is that these allegations follow on from a long list of British Banking issues that have really made London look like a centre for dodgy practices and underhand dealing. The other issue is whether it is possible to put these cases in front of a jury, as i suspect that jurors might have a negative view
  7. Thank you for reading. I have a problem with my electric meter. I will try to keep this brief, I have a low reading and a normal reading and it appears that I have only been billed for the low reading (I'm worried it may be since I have been in the property 8 years). The low reading is registering units during the DAY and NIGHT!. So I am assuming I am being charged for my day time usage at the lower price. I have notified British Gas, but only after there was a problem with them excepting my latest meter reading. They are going to fit a new meter and bill me based on
  8. Hi, I've been trying to despute my water bill with Welsh Water as I feel I'm being over charged. In a recent conversation with a representative I was told that my property was on the lowest tariff I am still paying more than my neighbors & friends in much bigger properties. I pay £32.00 per month but my neighbors are paying between £18.00 & £22.00 per month. Is there a higher complaints procedure I can go through to get myself heard as so far I've been met by unsatisfactory excuses as to why I pay more. Thank you for your time.
  9. Low earners risk tax shock on workplace pensions There is apparently an anomaly on some of the auto enrolment schemes. You can read more in the article linked below. https://www.ft.com/content/40af7052-0361-11e7-aa5b-6bb07f5c8e12
  10. I met a couple a few months ago,got chatting about this and that. Got talking about mortgages being self-employed things like that. Told me that after they have paid out for their home,food,gas electric and the rest they were left with next to nothing. Had a dog that they had had for ages but now needed a trip to the vet which seems to cost plenty. They told me that if they had been renting a property,private or council their low income would have given them housing benefit and they would then be entitled to get a little help with their pets fees.Think they meant the PDSA. Now
  11. My son has a personal injury claim originally valued at £20k. The solicitor was working on a 25% no win no fee basis. however, a few months ago he found out that the solicitor had failed to advise at the outset that he could have had union backing, so it was agreed they would discount the 25% fee etc. The matter should be going to trial in circa six months, but the soilicitor has now written advising that he wishes to offer the defendent the opportunity to settle for £8k pursuant to CPR 36. This is a 60% reduction on the claim value which doesn't seem right to me.
  12. Hello, I bought a Volkswagen Golf (63 plate) in January for £14,500 cash, since buying it, it has suffered five misfires, three of which have occurred in the past three weeks, the first two of those three I was told it had been "fixed" and it's currently in the garage again being "looked at". The trouble is, this has left the car incredibly untrustworthy and it's reliability questionable at best. The last two misfires occurred in the first 9 miles of a journey to work, not exactly a lengthy journey. Volkswagen are prepared to offer me a new car "at cost", but will only give me p
  13. http://www.bbc.co.uk/news/health-36345768 It seems that the advice to eat low fat was wrong and could make your health worse. I have for awhile now, moved to eating standard fat products and not the low/reduced fat items. I have noticed that i have lost weight, when consuming about the same volume of food. The French are apparently much healthier and they have never been convinced of the low fat diet some have been recommending.
  14. I am currently on ESA SG and in the middle of being reassessed. I am as always worried about losing my ESA. I am also due to be moving in with my partner in a few months and as they earn over the threshold I will lose all money anyway but at least if I am on ESA my stamp will get paid so I will still qualify for my pension in future. If I lose my ESA it won't change the fact that I am currently unable to work but I won't get my NIC paid. I s there anything I can do to get round this issue? Could I for example become self employed and just pay my stamp myself it it wou
  15. Friends have been raving about Lidl for ages, but I've yet to bite the bullet. What is the quality of the meat and fish like? I know it's cheap, but is it cheap for a reason? Not sure where they source stuff from. Any thoughts anyone?
  16. Good Afternoon. I have access to all 3 of the credit reference agency's i notice there is a default registered for £65 by Vodafone. I have never received any notices for this account and as far i was concerned this account was closed. If i knew about the outstanding balance i would of paid it to avoid a default especially as the value is very low. A bit of a long shot but would it be feasible to pay the outstanding balance of £65.00 and have the default removed? Thanks
  17. Hi all, I have been trawling this site for a while hoping to find an answer to my issue, but nothing with the exact specifics and was looking for some advice. Over 6 years ago now, I was forced to leave my job (long story that is out of the scope of this query!), meaning I was no longer able to afford the lifestyle that I had bought into. Hence, credits cards, loan and car were the victims, and I unfortunately defaulted on all (5 debts in total, to the tune of approx. £20k). The job market being the way it was, I found no further work, and decided to try and enhance my
  18. 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
  19. wondering if anyone has the answer to this - live in Housing Association property and have received Housing and Council Tax Benefit since 2009. Basically I am autistic (and theregore legally a 'vulnerable' person but I only got my formal NHS diagnosis last month at the age of 56) both my autism and my caring duties for some disabled family members mean that it is impossible/impractical for me to get regular full time work and my only option is self employment working from home making craft items. For reasons that are not relevant here I currently receive neither disability benefits for my
  20. Hi I placed an order for an EPC with a company called Low Cost ECP but didn't have to pay anything up front. By the time they rang back the next day, I had decided to use somebody else, so cancelled the order on the phone. A few minutes later they sent me an email: Our records indicate that you ordered an Energy Performance Certificate from us on 21/09/2015 and then subsequently cancelled your order. We are writing to advise you that you are required to pay for the service received up until the time of cancellation. The amount of £9.95 is now due as per the terms and conditions of th
  21. Some advice needed. I have received an offer of redress from RBS regarding PPI on an old Natwest credit card. I used the FOS Running sheet to calculate the amount due. I have all the statements for the card (1989 - 2006). I sent copies of the statements to them along with what I have calculated to be the amount due - just under £14000 in 2006 plus stat. interest since then of approx £10000. A total of £24000. They seem to have ignored what I sent them and made an offer of under £3000. From the small amount of information they provided, it appears they haven't even been able to add up the
  22. Channel 4 and Channel 5 have been obsessed with Benefits Porn for a while now, Benefits Street, my 40 benefit children and all the other rubbish. But I have just seen an advert for a new low - Benefits pets!! They have actually gone to the effort of making a programme purely dedicated to showing people on benefits who have the audacity to have a dog, Cat or Snakes etc. They really are scraping the barrel now. I don't understand why people actually willingly go on these shows - OK Channel 4 treats them fairly well, but the narration on just about every channel 5 is so downright n
  23. Hey, A bit of background: After I hit 80 kg (176 lbs) [btw I'm 1.78cm] I decided to start exercising. I found a nice dumbbell + PU + crunches plan and will try to stick to it. Before that I was on keto (when loosing weight) or on a low carb diet (loosing slower/ maintaining). Now my question: Are there any reasons to stay on low carb when trying go build muscles? Are there any downsides on a low carb diet? From what I understand It probably doesn't matter as long as I get enough protein, but I want to make sure I didn't miss anything. Thanks for helping out
  24. Hello folks Dont know much about this subject . I live on a private pansion of approx £3000/year plus carers allowance of approx £2400 as a full time carer to my retired wife. I am 62 years old, & have no other income. Can anyone tell me if i could be eligible for any further monetary help. Thankyou in anticipation. HOWLER:violin:
  25. This website has been a lifeline for me over the last few months. I've read avidly and learnt so much from other people's experiences and from the advice posted. I'm currently managing my "relationship" with Rossendales and have managed to survive this far without too many hiccups. Empowered by knowledge gained here, I've stood my ground, kept my doors and windows locked, parked my car miles away , have sent out the requisite standard letters (found on here) and, finally, have sent my first payment directly to the Council via online payment completely bypassing Rossendale
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