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Found 104 results

  1. I recently went on Nat West website to inquire about a loan, I progressed it but decided not to go any further as the interest rate was too high so I didn't apply for credit. I then discovered that Nat West had placed a hard search on my file for a credit application. I disputed this with Equifax as I had not made the application, they told me to take it up with Nat West who then told me that is how they do things. surely this isnt right or is it? any guidance would be appreciated.
  2. Hello Everyone, I am new to this forum so feel free to keep me right. I feel a little bent out of shape after my dealings with an online UK company that offers harnesses for dogs: You can find them at the web address fleece dog harnesses uk Here is the initial email I sent the woman: Message Body: Hello, I have had a challenging time trying to track down a harness for our 1 year old irish water spaniel. I have tried maybe 8/9 different models! She is still a puppy at 1- being a large breed. Irish water spaniels are slow to mature. She weighs 27kg of pure muscle and has pulled me off my feet on occasion ( running after a cat). Not only is she extremely strong and impulsive, but her skin is like lambskin- incredibly soft, particularly around the stomach, neck and chest. Conventional harnesses have caused abrasions. She has sores on her neck from her last collar. We took it off as soon as we realised. She often lies between size brackets which has made fitting more tricky. Often I order the medium, that fits her measurements according to the manufacturer’s chart but it turns out she needs the next size up. A lot of the harnesses have jutted into the back or front of her front legs. I am hoping you might be able to help. She currently uses a Hunter Norwegian Racing Harness which has been the best so far, but it is not terribly secure. She can be flighty for instance meeting a large dog or seeing a cat. She is almost able to wriggle her way out of the harness backwards. The other thing is that we really need a strong handle to keep her in check along busy roads. I will try and give you a ring tomorrow. I thought it might be helpful to send you a worded message as well since there is a lot of info! Kind regards, XXXXXX I subsequently followed up with a phonecall & placed an order for a custom made harness (as advised by the lady since she said the breed is too deep-chested for highstreet harnesses) I mentioned the handle again and i was told to look at a particular page showing a flyball harness. I confirmed i needed a handle. She asked if i needed a waterproof harness. I thought about it & agreed. So i paid an exorbitant sum (£58) thinking she had taken care of all my requirements. She did not warn me that the harness was non-returnable. Furthermore, I trusted her after a lengthy conversation on the phone & all the email correspondence. I felt reassured by a note on the website saying they wanted their customers to be happy. My order note also warned me not to let the dog wear the harness before seeking a return: ( Of course, the website mentioned that custom orders were non-returnable, but I ordered by phone & paid using paypal afterwards) Returns/Exchanges Please try your harness on but please do not wear, as worn items cannot be returned.Thanks. I would not have paid such a huge sum for a non-returnable harness that did not meet the requirements carefully laid out in my initial email. The harness arrived, awkward to adjust, with quite scratchy fabric and exposed seams on the internal facing of the garment. I have not been able to fasten the garment around the dog’s chest yet as it is so difficult to adjust. I will have to try again to check it actually fits her. My family agrees the exposed seams will rub on the dog’s chest. There is no handle. I sent a polite email on 23rd december. The lady has finally replied today, saying she followed my requirements to the letter and that I did not request a handle, therefore a return is out of the question. I feel very let down as I was so very specific in my written brief. It is as if she paid no attention to the dog’s particular requirements. The fabric is not soft either. Any advice gratefully received.
  3. I own an apartment which I used to live in around 5 years ago before I moved into a house with my girlfriend, since then it has been let out and I have been paying all of the annual maintenance fees. I gave them my new correspondence address and they have been sending letters for the annual maintenance fees since then. In January 2012 the current management company took over from the previous management company. In May 2012 they applied a £114 late payment fee to my account. I disputed this, didn’t pay the fee and asked them to waive it. They did not respond and they have not chased me for this £114 since then. As the years went by I continued paying the annual maintenance to the present day, I am up to date with this and they have not sent me any letters until I received a letter dated 27 September 2016 where they state that I owe them £978.04 and they will shortly be commencing legal proceedings. I emailed them asking for an explanation and they have emailed over a sheet which explains how they have come to the £978.04: Extracts from their document: 28 May 12 – late payment fee £114 01 Jul 15 – general maintenance reserves including section 20 works £208.38 - paid 10/10/16 01 Jul 15 – insurance excess reserve £67.66 - paid 10/10/16 18 Feb 16 – legal fees re section 146 procedure £450 27 Sep 16 – administration fee £138 Total: £978.04 of which £702 is fees/charges I paid the one-off ‘general maintenance reserve’ and the ‘insurance excess reserve’ today as these seem to be acceptable charges relating to running the building. However, it seems they have added fees/charges/fines to the ‘reserves’ costs which they believe I have deliberately not paid but in reality I didn’t even know about the charges as they did not send me any letters about them. So I supposedly now owe them £114 late payment fee from 2012, £450 section 146 charge from Feb 2016 and £138 admin fee from Sep 2016. Total of £702 in charges which seems extortionate. I must stress they have not been sending me letters in regards to any of these ‘charges/administrative fees’ or the ‘reserves’ charges from 2015. I am totally up to date with all of my management fees and I would have paid the ‘reserves’ from 2015 if they had sent me a letter. I have told them that they have not sent me letters and they said they have. I have checked the address they sent them to and it is correct. I cannot believe they are threatening me with legal action – had I known about the 2015 ‘reserves’ charges I would have paid them just like I always pay my annual maintenance charge, and now they have added so many costs. How can I stop them taking this to court?
  4. Hello people, My name is [removed - dx], I am 26 years old., From Bedfordshire. I have 4 kids (please don't judge) with 3 mother's, 2 of whom we are good, my youngest child's mother always causes issues if I give her money like the other 2, she is not grateful and wants more, which is unfair to the other mother's, she went to CSA and claimed I never got involved with my child and also went to my work place and put in a complaint, claiming I was breaching data protection a case was brought up but I was okay as she kept changing stories. But it got to me mentally and I eventually quit my job, I took a few weeks out of work and worked in a new place now CSA sent me a letter saying they'll take 50 pound each week from my new wages which was less than I was giving her, then I received a new letter stating they was going to take 120£ a week. At the time I was living in a shared house and could barely afford to pay rent with this new job, let alone pay for my other kids, I ended up working overtime everyweek and loosing out on sleep, so I could hardly see my children, this started to affect my health, my life and was making me really weak, I wasn't eating. I rang them and pleaded with them, supporting my case with what I could and saying I couldn't afford what you was taking, but they had made it so it came straight out of my wages, I couldn't pay a single penny to my rent, I couldn't afford food, or even to pay for my other children, I eventually became homeless and turned to alcohol (iknow that isn't great, please don't judge) with no home, I lost my job (which was night shift) I had nowhere to go. I've had various mental health assessments also. Until I met a very old primary school friend and he took me into his home up north in Lancashire, he housed me for a bit while I started work, and got myself a place.. things was going okay, my mental state really improved. Until I received another letter this morning, stating they will be taking even more money. Is there anything I can do, I'm sure it is illegal to make someone feel so low and homeless. If anyone can help that would be much appreciated, even if it's something small.... I just don't know what to do.
  5. Hello all, I hope I've chosen the correct sub-forum for this post, but if not would you move it for me? I have encountered an interesting situation this past week and I wonder if I could have some advice on what, if anything, can be done about it. It's probably clearest if I just bullet point the facts: I have a computer graphics card for sale on Ebay Tuesday 12th June I received an email from a potential buyer by the name of Dorothy Baynham telling me they wanted to buy the card for their son's birthday and would I end the auction early and sell to them. Wednesday 13th June I agree to end the auction once a PayPal payment is received. Later on Wednesday PayPal payment for £360 is received along with the shipping name and address. Thursday 14th of June I sent the graphics card away by Royal Mail Special Delivery. Friday 15th of June it is received and signed for by a Mr *** Saturday 16th of June I received an email from a gentleman, completely unrelated to either earlier person, asking me why I have claimed £360 from his bank account. Saturday 16th of June I emailed back making clear that payment was sent from his account in payment for the item sold via Ebay. Friday 22nd of June I have received an email from PayPal telling me they are reversing the payment. Sure enough, my PayPal balance is now -£360. My belief is that the person I was corresponding with has used stolen/hacked credentials for a PayPal account to pay for the Ebay item. Subsequently, the person whose PayPal account was compromised has initiated a charge back. There is a lesson to be learned here, which is to never believe what anyone tells you on Ebay and to stick to their rules and let auctions run their course. I understand that, lesson learned, apparently the hard way. My question is, on the basis that I know the address the item was delivered to and I know who signed for it, is it possible for me to issue a Letter Before Action or similar with the aim of bringing them to account? I should make it clear, I am located in Scotland (west coast), the item was delivered to an address in Dudley. I may very well have to simply suck this up and chalk it up to "I should have known better", but I thought I'd check first. Ideally I'd rather not be out of pocket by £360!
  6. Sorry for going in to so much detail but I think it is relevant. I tried several times without success to book myself on a speed awareness course. A message stated that as my course was to be taken very soon I needed to ring them. I tried to ring them several times but as I work during the day and the waiting time was so long I had to give up. I did finally get through to them only to be told that yes I was too late to go on a course. I was told to ring Go Safe, who have the responsibility for issuing NIPs and offering Speed Awareness Courses. I finally got through to Go safe and explained my situation. I was told that everything was fine and they could see no reason why I was not able to take a course. After double checking again I was assured that I should be able to get on a course if I ring them again. As I was about to end the call the lady at Go Safe said just let me check one last thing. I was then told that an error had been made and they had my final date to take the course down as 31/07/2018 and not 31/08/2018 and I only had 2 hours left to get on a course that had to be taken before 31/08/2018. I finally got myself onto a course in Telford 122 miles from my house as it was the only course available before 31/08/2018. I then recieved an email to say forget the 2 hours just do a course before the 31/08/2018 and the matter is closed. This is Go Safe sort of admitting responsibility for the error. My question is: Where do I stand on claiming travel for a 240 miles round trip for a course I could have taken a mile away from my house. Should I request an extension to allow me to go a a course nearer to home as the courses are done by the same people? Thanks in advance
  7. Cannabis-derived medicinal products to be made available on prescription READ MORE HERE: https://www.gov.uk/government/news/cannabis-derived-medicinal-products-to-be-made-available-on-prescription
  8. Hi, My relative attempted to book a train ticket from destination A to destination B in the EU. Instead she bought it in reverse from destination B to A, the prices are the same either way. Immediately after purchase she contacted the website to adjust the error. She was told she made a mistake and that the tickets are non-refundable entirely blaming her for the error. However, I am not sure the error on the ticket was entirely her fault. 1) She has a disability and found the website was confusing and difficult to use. There were web accessibility problems. Web accessibility problems will have a disadvantage to people with certain disabilities and it will cost them money in a situation like this one. 2) She had to keep on moving back or refreshing pages as they kept timing out. The error made in the purchase might have been the result of the poor website performance, or because she had to go back on the pages. 3) The information provided on the site was not clear enough, or was not delivered in a way that was clear enough, further increasing the possibility of the error being overlooked during the check out. 4) Despite reaching out to the seller immediately after making the purchase for a ticket for a journey that is to take place only in July, the seller refused to reverse the charge or fix the error on the ticket. 5) The seller blamed my relative for the error, when the fault could lie with the website itself. This would actually means that a seller can design a website that would deliberately lead some customers to make errors, thus making people buy two tickets instead of one, and in that way sell more tickets. It’s concerning. Do we have any rights in these situations? Or do the ticket selling sites do what they want more or less? Any views would be great. Thank you.
  9. After 25 years with my employer, a large UK financial business, I am being made redundant at the age of 51 as they are closing my office. They offered me Voluntary Redundancy with enhanced terms on the basis I signed an agreement giving up my right to an undiscounted pension which may be otherwise payable on my redundancy. (Due to my length of service, I still have a final salary pension). I have not been given a reason why I have had to sign this other than 'it's policy'. I was hoping to take Early Retirement but the minimum pension age is 55 now. None of my other colleagues have been given this agreement as far as I know but it could be they are either no longer in the final salary scheme or are over 55. I wondered of anyone had thoughts on :- a) Should I have been offered Independent Legal Advice as I have been given an agreement to sign? b) The implications if I don't sign the agreement - could they make me take another job elsewhere? c) Even though they are not offering me Early Retirement, could there be this option open in view of the wording the agreement? Any thoughts on this would be welcome.
  10. Hi There. My wife has just received through the post an attachment of earnings form from the MCOL Business centre. A CCJ was awarded in default as was sent to a previous address. My wife only found out about it when she received a Noddle credit profile change notification. She spoke to Robinson Way who advised it was issued at a previous address. She gave them our new address and interestingly the attachment of earnings form has come through to our current address. Details of the debt: Original creditor was Egg (so suspect any CCA would be "interesting" to say the least) Default was issued in 2012 according to her credit report Original agreement was taken out we think in about 2006. Balance was about 1650 CCJ balance was just over 2.5k (plus now another £110 attachment of earnings fee added) We are convinced the debt is statute barred as my wife is convinced she hasn't paid anything towards this for a long time. I know we need to look at getting this set aside but unfortunately we cannot afford the fee to do so, and we don't fall into the category where we can have the fees waived. Is there any other way around this? Surely they would have records and would know when the last payment was made, so if so then is this not an abuse of court process by submitting the claim? Any advice on next steps would be greatly appreciated.
  11. My daughter hit a pothole on Monday evening (early evening) and today (Tuesday) she has noticed damage. Taking it to the tyre shop it appears the alloy wheel is buckled and tyre blown she is having to replace the wheel and the tyre at a cost of around £600. It's a fairly new car hence the expense. She didn't stop at the time because the pothole was on a bend and she didn't want to put herself at risk, went back Tuesday evening with her dad to photograph the hole and measure it, when she got there the hole has been filled in and it's evident the work has just been done. Is anyone able to please say how can she now make a claim against the council? She has hit potholes before that have damaged tyres etc but this is the first time she's wanted to claim simply because of the cost to her. thanks for any advice.
  12. Hi I purchased an inflatable airtrack for my daughter for xmas to help with her gymnastics. It arrived a couple of days before xmas but was not used until xmas day. The item does not stay inflated - there were no instructions sent with the item although there should have been. I tried a couple of further times to inflate the item but it just keeps deflating . I contacted the company on 27/12/7 to report that the item was faulty but they were closed until 3/1/18. I emailed them with the details and requested a return and refund once they reopened in Jan. When they reopened they did not reply to my email, I contacted them and they asked me to email them - I explained that I had already done this and asked them to check their emails . I contacted the company again yesterday and they said that they had not received any emails from me so I forwarded my original email to them - they have emailed me this afternoon to say that the item I ordered was custom made and that they are only obliged to offer a repair. They have asked me to arrange the return to them at my expense if I want to proceed. The address that they have emailed to me for the return is not the same as the address on their website - It has been a while since I had a problem with a return / faulty item and I know that regulations change but legally can they refuse a refund on a faulty item? Any advice would be appreciated thank you x
  13. Bad enough they charge patients, but to charge staff for doing their jobs !! https://www.theguardian.com/society/2017/dec/28/nhs-hospitals-made-174m-from-car-park-charges-this-year
  14. I received my PIP decision and I so upset at the false information that the assessor has stated. I have been awarded standard daily living and ZERO award for mobility. Just briefly 1.The assessor claimed that I could get on and off the medical couch with ease. (This is a lie! She had to lift my legs on and then off the couch) 2.She claims that I can walk 200 metres with no difficulties with a normal walking gait!! (This is a lie! How can she claim this, when there wasn't even 200 metres to walk in front of her, the waiting room to the assessment room is 12-14 steps that I was severely struggling with) 3.She claims I had full mobility in my lower limbs (This is a lie! I clearly showed her that I cannot move my lower limbs, very limited with severe pain) Mentally, I do not know if I have the strength to dispute all this but I feel deeply annoyed and the fact that the assessor has made false claims. I have medical evidence from my GP (who has issued me with an indefinite unable to work certificate due to arthritis,severe spinal injury and poor mobility), I have confirmation from my spinal surgeon that I have a crushed spinal cord,nerve damage etc and need urgent surgery and walk with a wide gait) and the rheumatologist who confirms that my mobility is effected by my arthritis and sciatica. The decision has been made that I scored 8 points for daily living (standard rate) and 0 points for mobility. I am slightly confused how I challenge this. The letter states I have three options: 1.Ask us to explain why 2.Reconsider a decision 3.Appeal I would like to 1. Request an in-depth report, so that I can analyse each section & challenge it, can I request this before I ask them to reconsider? 2.Would I then reply back to them asking them to reconsider based upon the points that I have challenged? 3. If I still disagree with their reconsideration, is that when I would appeal? The one month notice, is this to request an in-depth report or does that include challenging the report aswell? I do not want to request they reconsider their decision at this stage until I see the full report. I was with the assessor approx. 20 minutes in the assessment, how can she make such claims during this time and false ones at that, I am so so stressed by this.
  15. had a letter from a well known agency anyway gist of it is dear..... we're sorry we have made a mistake your account was recently transferred to ....from ...due to an error we started reporting this account on your credit file. we have informed the credit reference agencies to remove this account from your credit file which should be completed with the next 3 weeks...sorry for any inconvenience this may have caused you now i know they trashed my credit file because i saw it...so do i have any redress over it or is it because they are now removing it lets all be friends and ignore it? any ideas?
  16. Hi guys, I actually had a very quick reply from the FOS. Less than a month after I made a complaint I had the answer - not the one I wanted but the service was quick, professional and the guy was extremely easy to deal with. My complaint was re MBNA. I took out a credit card in 2006 - fell into arrears in 2009 - finally came to an agreement with them in 2010. I maintained the arrangement to pay and then they sold the debt to IDEM in 2012. Due to serious illness, I couldn't keep payments up with IDEM and now pay them 15 per month. Arrears are 9144 on 10310 balance. I wrote to MBNA to tell them I believed that they should have put a default on my file - they said no they didn't have to as our "relationship didn't break down." I disagree but the FOS agree with them. He quotes the ICO guidelines saying the customer relationship is paramount. He said MBNA treated me fairly, agreed on a reduced repayment plan (200 pm ) and therefore no need for default. I explained I believed IDEM cannot put default on the file as they are not an original creditor - is that correct as he was under the impression they could if I broke the terms. My credit file is a mess, it shows more than six months in arrears with AR even though I have kept to the AR I made with them. So can I do anything now? I don't have ten grand. I could increase payments but how long with the AR remain on my file? Also, could I ask them to accept payments of 200 pm now and capitalize the arrears - like a new loan? Do you think I could argue anything with the FOS. Obviously, if I had stopped payment in 2010 instead of trying to do the right thing, the debt would have fallen off my file.
  17. My son bought a vehicle approx 6 months ago. After 1 week the vehicle broke down and it was returned to the dealer for repair under the warranty. They had the vehicle over one month and then it was returned. The same problem has occurred. The warranty has now expired but the fault on the car was quite a major one and I believe the work should have had some form of guarantee but the dealer is refusing to provide information on the work carried out and where the repair was completed staying that due to data protection they can not provide this and that they do not keep records. This all sounds dodgy and I would appreciate some advice on where to go next . Many thanks
  18. Hi, thought I'd see if I could find any useful advice here. I'm very anxious so any good pointers much appreciated! I'll keep it as brief as I can: I'm a one-man IT dept for a medium size organisation - permanent position that has risen in seniority over 12 years. My line manager is proposing a reorganisation that will end my current role and replace it with an extremely similar role on a 2-year fixed term contract. Redundancy is an option, and I am unsure as yet if 'they' are keen for me to take it, or take the new role. I want to stay on, and I believe the new role is precisely my current role just with a new job title and an improved job description. My current job description is pretty vague, but the new role describes precisely the work I have been doing for years. The only real difference is that some more junior responsibilities will be removed and given to a new, junior role (which is great). If I take the new role on 2yr FTC, I presume I will not get redundancy at the end of that contract if they choose to let me go. I cannot afford to lose my job security like that! I have a 1st consultation coming up, and I will argue that the new role represents what I do currently. So my questions are... Can they do this? If I can prove that the new role describes precisely what I currently do, can they still make my post redundant and leave me with the choice of changing to FTC? If I took the FTC, might I nevertheless be considered to have been continuously employed for my 12 years+, and would that render the 'fixed term' irrelevant as I would be considered permanent in law? I don't know, but this is a possibility I have gathered might be the case from googling around. If 'they' would rather I left, can they even make me redundant when they are replacing my role with such a materially similar one, albeit FTC? I have absolutely no history of failing to perform or being told of any problems with my work, so there are no grounds for dismissal. As I said I'm going to argue that the new role is my current role, I want it, and I don't want to be FTC. I think I have a good case, but I'd love to be able to reference actual laws that back up this position! Thanks again if anyone has any guidance.
  19. Hi My mother has been made bankrupt following a stat demand. I really need advice on this issue from someone urgently please The demand was served by a gentleman at her house personally, however had no dates on the demand. It just stated to pay within 21 days. It mentioned the case would be heard at the local court, but no date was given for a hearing. The debt was for £15877 which was owed. Yesterday we believed was the 21st day, but difficult to confirm as no dates on the stat demand. We paid the solicitors yesterday in full, but received a call from the receivers to say the bankruptcy order had already been made that morning. Should my mother have been made aware of the court hearing in order to be able to represent herself and offer the payment? I have read that she would have received a bankruptcy petition and a date for her court hearing, is this true? Is there anyway to get this annulled now, as bankruptcy would be catastrophic as she cares permanently for my father who has dementia and Alzheimer's, and this stress could truly destroy them both. Any help will be hugely appreciated as right now I'm feeling completely broken for them. Thanks
  20. We learned yesterday that our entire catering team are to be made redundant as the contract we are working under has been terminated. But we also know that the new building owner has every intention of providing catering when they take over in a few months! This cannot be fair and surely that is what the TUPE regulations are designed for - does anyone have any advice?
  21. Hi again guys, been having great success so far with these debts (will try to find a link my other post which is about over a year old to give you some context) So the quick back story Lowell owned the debt, bpo was acting on their behalf sent a CCA request bpo passed it back to lowell after not responding, lowell have then ask their legal team (phahaha) lowell solicitors to start court proceeding, rang them for abit of fun informed them that no cca has been sent, they have now supplied me with the request but it is unreadable (will update this post with a picture when I can) Because it is unreadable is it enforceable? It's crazy blurry you have to guess what words say I am also going to start a complaint as they have passed the debt on that was in dispute (no acknowledgement of the debt what so ever) In fact blurry is a bad way to describe it, you can read the larger letters but the smaller print (90% of the page) looks like it been written in a ink cartridge fountain pen on a piece of kitchen roll Edit: I would rather not just ignore it as it is very close to becoming statue barred (a few months) and would rather stall them with some paper work then having to do all of the paper work for a court defence I found this template on another site but I only trust this site for accurate advice what do you guys reckon? Dear Sir, Thank you for the reply to my letter dated XX/XX.XXXX. Having taken the time to look over the documents supplied in response to my statutory request made under the Consumer Credit Act 1974, I have the following concerns The document entitled “credit card agreement regulated by the Consumer Credit Act 1974” which appears to bear my signature fails to comply with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557). In particular section 2 of the Regulations As you will be no doubt aware, the Copy Document Regulations requires that documents are easily legible and clearly the terms of the agreement are not easily legible, infact far from it. Many of the terms are blurred and cannot be interpreted and I am further unable to make out the prescribed terms as required by schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). After taking advice on this matter, I am of the belief that this agreement that you have presented before me, as it stands would be unenforceable even by court order. Therefore, I require that you provide me a clearly legible copy of the agreement, where all the terms are clearly legible Should you not be able to supply a clearly legible copy, I would suggest that you give consideration to cancelling this account and reducing the balance to zero. Of course the alternative would be to seek a declaration of my rights under Section 142(1) of the Consumer Credit Act 1974. am advised that with the documents that you have supplied there would be an extremely good prospect of success with such a declaration, however, I am mindful of additional costs that such action could incur both on my part and on yours so I trust you will give consideration to this request Yours Sincerely
  22. Hi, have another thread similar but not had many responses so I might have put it in the wrong place, sorry. I've had a quote from a solicitor through my bank which I accepted. The solicitor is asking for more than double. The middle man who supposedly provided the quote through my banks website and allocated the solicitor has said it was a technical error and I was provided an old quote which is now more expensive and I'll either have to pay what the solicitor is asking or find my own solicitor. It's took them 3 weeks of being passed between solicitor. Bank and middle man to get this response. I've submitted a formal complain which they say will take up to 4 weeks. This will mean 7 weeks of delay before any work is even started. I've spoke to the financial ombudsman who said usually they'd have to honour it but may be different as its in relation to legal services so contact the legal ombudsman. They said they weren't sure of anything in law but if I'm not happy with the outcome I can pass onto them. I asked for advice because I didn't want to wait atleast 7 weeks before any work was even started on the remortgage. She said there's no reason why work can't be started and them if upheld can be claimed back. I said I didnt want to pay out the £535 and she said I can go with someone cheaper but then there would be nothing to gain or claim back through a complaint. The cheaper company are £435 so still £180 more expensive than the original quote. Can I claim the difference back considering he was there fault I had to go elsewhere to someone more expensive than the quote they gave? On top of how much it is costing us with the delayed remortgage which the money will be used to pay off a loan and fix a leak. Is anyone aware of any legislation to confirm they have to honour the quote? We have confirmation the quote was accepted and they had all the information needed to provide an accurate quote. I've read elsewhere once accepted it becomes a contract? Thanks
  23. Hi guys I was made bankrupt in October 2008 and was subsequently discharged 12 months later. In February I received a court claim from a personal debt that I forgot to include in the BO. I filed all the defence forms and the Judge ordered that I provide proof of my bankruptcy so they could consider the claim being struck out. I filed a copy of my credit report (showing date of BO and ref number), a letter from HMRC that was stating due to my BR my UTR was closed etc, a letter showing the release of interest from the OR in my property. I was unable to provide any more proof as none were still in my possession due to the time since the order. I have since received a N24 SO for settlement. The opening lines state that the Judge has stayed until a later date pending receipt of further information concerning the BO... I have a couple of questions if that is OK 1) What other proof can I file and where would I get such old docs from? 2) My BO was stated in the LG 3) The claimant reckons they knew nothing about the BR but it is my understanding that point 2 could make that a mute point (?) 4) The debt has been proved to have been incurred over 4 years PRIOR to my BO Any advice would be appreciated, Thanks
  24. This article from October 2016 - I dont recall it being mentioned anywhere? Has anyone had a bank try to reclaim some of their pay-out ?
  25. RBS made me an offer of £2k for ppi from 2003 They said they would pay me by cheque. However, the other day I had a message saying "we have deposited the money into your current account. On checking this I found that they hadn't deposited into my account, but to their own holding account pending further investigations. I phoned the ppi office to be told that the loan on which I claimed the ppi had arrears and so they were investigating. However, I then phoned RBS credit management and they confirmed I had no outstanding debts, but then claimed they still need to investigate. If they suspected this, why did they agree that ppi was refundable and why can't they find any evidence. Really frustrating! I have to wait another 28 days now while they investigate. Anyone dealt with this before?
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