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  1. i recently requested a SAR on my lloyds tsb accounts as i needed info on the valuation that was carried out on my home in order to give security for a loan. i have received a copy of the file which included a copy of the valuation, but even though it refers to an instruction letter from the bank to the valuer, the instruction letter is not in the file. it is not even attached to the valuer's report even though in his report he comments 'instruction letter of xxx 2004 attached appendix A' is there anything more i can do to fro lloyds to disclose the instruction l
  2. Thought there was something fishy with my account balance on very.co.uk, I contacted customer service this morning. Turns out they've charged me again for a PS4 bundle that I returned last week, as an item was 'missing' (PlayStation Network 365 Day subscription card). Apparently it's in transit back to me and they say they're incapable of advising me until I get it back -- for whatever reason. Of course, no one from Very warned me that they'd charge me again, let alone that they'd be sending it back to me. Not a call, not even an email. Is 'Just figure it out yourself'
  3. I sent a CHAPS payment on Thursday from my account with the Yorkshire Building Society as I needed the money in my own business account with Santander that day to make a foreign currency payment. I paid £23.50 for the fast service and was promised the money would be in the Santander account later that day. It's now Tuesday morning and still no money in my business account. Numerous phone calls to both institutions just sees them pass the blame onto the other side. Is there anything I can do quickly to get this sorted. All i'm being quoted is that the 'chase' they can put on the
  4. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossessio
  5. Jail for travel agent who failed to explain missing thousands READ MORE HERE: https://www.gov.uk/government/news/jail-for-travel-agent-who-failed-to-explain-missing-thousands https://www.birminghammail.co.uk/news/midlands-news/former-travelogue-travel-agent-boss-15327351
  6. MOD appeal for families of missing or killed soldiers from the Korean War READ MORE HERE: https://www.gov.uk/government/news/mod-appeal-for-families-of-missing-or-killed-soldiers-from-the-korean-war
  7. Hi there I am going through my payplan accounts with a toothpick at the moment. And I found a confirmation letter from Apex regarding an old Lloyds account , confirming that the account has been settled thanks for paying blah blah blah....... I paid in full £1000 back in 2012. Yes paid blindly. I do not recognise the account number on the confirmation. I am trying to match the account up. ( I am going to process a SAR with Lloyds after the 24th ) - but want to start this now with Apex. Is there a standard template letter of sorts - that I can send to Apex asking
  8. Hello. I am just about to edit a Subject Access Request to a company for my friend who has had a relatively long running dispute over the amount they charged him for work they did. Other than requesting copies of any and all letters between them and any internal memos or emails that he is mentioned in, is there anything else that you would recommend I include? Thank you.
  9. In Schedule 6, CCA regulations 1983 is says Credit limit 3. Agreements for running-account credit. A term stating the credit limit or the manner in which it will be determined or that there is no credit limit. On the agreement/ photo copy of the application form, it does not state a credit limit, it just says, we will tell you your credit limit? Which I still don’t know what the opening credit limit was. but never the less, does this comply with term above (or the manner in which it will be determined? section.
  10. Hi. I want to find my missing cousin. He left his house with limited money, clothing and ran of with his wife. Shes the devil. now issue is he does have history of some mental stability, so we can say depression and few other issues. HOWEVER not enough to convince the police to start a man hunt. Now most companies are saying £200 or around about to find him. HOWEVER they wont tell us where he is, however they are willing to speak with him and give him contact numbers, emails and request him to make contract. £200 is not an issue. what i want to know is there any tools
  11. Ignoring the teenagers nationality, the differing perspective of the presented headlines will undoubtedly mirror the differing views on how this person and issue should be addressed. The guardian reports “I just want to get away from here,” she was quoted as saying. “I want to get away from the war, from the many weapons, from the noise.” She added: “I just want to go home to my family.” The media outlets said the teenager had told them she regretted joining Isis, wanted to be extradited to Germany and would cooperate with authorities. https://www.theguardian.com/world/2017/jul/24/
  12. Hi All, I purchased a 14 plate fiesta from Evans Halshaw in March. Not being an expert I test drove the car (usual drive around the block), enjoyed it and paid for the car. A week later I was looking at some of the functionality but could not find the advertised stop start function. After discussing with the dealer and getting a copy of the advert emailed over it became apparent that this was an advert error. I have emailed probably 10 times in the past 4 weeks and just keep getting "well be in touch as a matter of urgency" from them but with no real discussuon about
  13. Hi all I have been made an offer by NatWest/RBS due to the mis-selling of PPI on my partners Credit Card. When I say ‘I’ it is because I submitted the claim on her behalf. I have used the FOSRunningPPI v102 Spreadsheet to ascertain what is owed to her. (Fabulous tool). This runs from September 2001 to February 2008 whereupon we have a zero balance. There are statements missing from June 1998 – August 2001, for which I have populated another FOSRunningPPI v102 spreadsheet created using the average spend, and payments as per the FOS approach, and ascertaining the PPI using the 0.76%
  14. Hi. Back in January of 2014 in readiness for my partner moving in as I was pregnant, I informed HMRC that he was moving in on a specific date in May 2014. And then on that date I wrote again to tell them he had actually moved in. I viewed this as a change of circumstances. Our single claims were shut down and a new joint claim was set up. In the meantime my baby was born, my son moved out and various other changes happened prompting a deluge of letters from the HMRC. Consequently I didn’t notice until it became time for the annual review of the 2016-2017 tax credits award tha
  15. I had to phone the company who build my computer about 6 months ago to sort out a problem and it appeard they missed something out it has according the invoice a standard sata drive a m2 SSD drive and a Samsung evo 840 . for the first time today i had to take the side of the computer off since getting it and i tell you the samsung drive is not there i can only see the m2 SSD and the mech drive . i have traced the sata cables and the only one i can see is to the mech drive the m2 connects direct to the motherboard . the samung does not show up in w
  16. Hi, I was recently convicted of benefit fraud, during my case my prosecutor kept making personal attacks against me. I made the mistake of letting the court know that I suffer from sever social anxiety and can't handle confrontation. it made me suspicious as to why he would do this when a piece of evidence that he told the judge of how much I had illegitimacy received over the time period of my claim I calculated there was an error in the numbers. When I applied for benefits I let the job center know that I had over the £6000 limit in savings, so if my nat
  17. 68% of eligible two year olds in England are missing out on free childcare, which they're perfectly entitled to. Are you one of the parents missing out on this? Figures from the Department for Education show that huge numbers of kids are missing out on the free 15 hours of childcare per week, with estimates showing 78,552 in total. Of course, there's criteria you'll have to meet, but if you do, you really should utilise this. What Do You Need To Know? If you claim Jobseeker's Allowance, or similar, you could be eligible. Basically, funded education has been extended
  18. Hi guys i work for a company who look after the virgin media contract, i am working at the moment over 70 hours a week which is tiring me out to be honest, i have a family and have very little time for myself or my kids you keep telling them about it in the nicest way possible even though its hard to keep your cool sometimes and they take Sh*t all on aboard what i have to say. I am on template pay (pay per job) now i can make some decent money when i get the big jobs like quad's, triples and duals. But lately ive been finishing my own work by 3pm ready for hom
  19. Hello, We have just had our storage and removal insurance claim denied I don't know what to do next. If I get anything wrong I'm sorry as this is my first post. Back in October we paid for a large national removal firm to come to our house, pack and export wrap all of our things and then take them to be stored in their warehouse for six months as we were moving to Eastern Europe to start a business. We took out their own removal and storage insurance covering us up to the value of £23,000 as we listed all of the items about £500 separately as per their instructions.
  20. One for the (Scottish ) legal eagles. Man & wife divorce and £750 put into their childs savings account. When it was set up, both parents had to administer the account. One parent has just discovered the other has systematically emptied the kids account over a six month period without prior consent or knowledge of the other parent. Police say it's not theft or mis appropriation of funds. Bank says T&C's were changed and this allowed one parent to administer the kids account. Other parent swears blind they were never notified of this change by the bank or wo
  21. having seen a few threads re such Dispatches tonight @ 8 ch 4
  22. Hello guys, I am posting this because I think you guys might be able to help. this might sound odd but a small amount of money from my current account has gone missing. I'm talking like 10p but I don't understand how it has been taken. it happended before Christmas around the date I got paid. The money has never appeared in my transaction. so I'm always 10p short.
  23. We ordered around 20 items (each with multiple parts) from a small online retailer. We didn't open the box to fit the parts until around 3 weeks after the order was received. It was at this time that we noticed that one of the items had a missing part to it. We called the retailer who supposedly 'remembered' checking all the items and was adamant that the part was definitely not missing upon dispatch. After much arguing, we sent the item in question back to the retailer and asked for a replacement to be sent out, this time with all parts included. Two weeks later we c
  24. What do you think. Are some children missing out on the great outdoors and what it offers. Do you think perhaps as technology came in things changed. Do you really think computers help children learn or do you still believe in the old ways. I myself am obsessed with the outdoors ever since a child.The smells as you walk through woods. The crashing waves,and things you can learn on the shoreline. A walk through a forest. The unexpected nature you come across.That never fails to amaze you. First forest i came across was Grizedale Forest in the Lake District.Still think of i
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