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Found 172 results

  1. Care UK faces legal action unless it pays more than £3m in compensation READ MORE HERE: https://www.gov.uk/government/news/care-uk-faces-legal-action-unless-it-pays-more-than-3m-in-compensation
  2. NOT SURE IF THIS IS THE CORRECT SECTION SO MODS.,PLEASE MOVE TO CORRECT SECTION IF NEEDED. A colleague at work paid a one off yearly fee of £183.48 to a company called 24/7 Home Rescue. This is for cover in the event of any breakdown on boiler, plumbing, drainage, electrical, Central Heating Systems, pest control etc. it is for anything to do with the home. The benefits include No charges for parts, No charges for labour, No call out fee, unlimited call outs, unlimited claims etc. Fast forward to 1 breakdown of a radiator being completely cold. A call was made to the company and an engineer was sent out, but not before a charge of £75.00 as a "Security Payment", according to the telephonist. The said fee was paid, and an engineer sent out to investigate. The fault was with a thermostat. The item was removed, and given to my work colleague. He was told that for it to be replaced, there would be a charge for the replacement part, even though the contract clearly states, NO CHARGES FOR PARTS. The colleague refused to pay for the part on the basis, his contract terms and the yearly fee paid. When he asked for the £75.00 "security payment" to be refunded, it was refused. I was asked if I can help out. My guess is that the company have broken their terms of the contract by charging a £75.00 "security payment" and then refusing to refund it, and also wanting a payment of £24.00 to replace the part. Surely the yearly premium of £183.48 covers what the terms of the contract states. Am I correct?. Also is this not a breach of the Misrepresentation Act 1967, by offering something then changing their mind/moving the goalposts to suit them?. Are there any other laws that apply that I have missed, and is there any governing body that can step in and intervene. Any help that I can give to the work colleague would be greatly appreciated.
  3. Hello everyone Unfortunately, my husband has gone and got himself another PCN. This time it's one that was stuck on his car I haven't seen any photos of the situation yet - I think they will be uploaded tomorrow at the earliest as he only received the PCN today. I was trying to upload the pdf but this website says that I have the incorrect file extension Is anyone able to help me understand what I've done wrong? I tried following the instructions about uploading files. Thanks
  4. Hazard perception test now features more weather conditions READ MORE HERE: https://www.gov.uk/government/news/hazard-perception-test-now-features-more-weather-conditions
  5. Myself and a friend entered into an AST in 2008 with a private landlord where I was the lead tenant. Our deposit was placed with the DPS. Although we had a good relationship with the landlord throughout the tenancy, when we gave notice to quit in 2011 he seemed to take the matter personally and started being very standoffish with us. On our moving out date, the landlord did not attend the property. When we called his phone to find out where he was, it rang with a foreign dial tone and the call was rejected, so he wasn't even in the country and decided to ignore us. We ended up posting the keys back through his letter box and were never properly checked out. Since the landlord had essentially absconded we did a stat dec and sent it off to the DPS to get our deposit back and assumed it would follow. A couple of days before we would have had it, the landlord opposed the stat dec and would not consent to ADR. This left it in limbo and our only remedy was to take court action. We mulled it over at the time and in the end made the stupid decision not to pursue him and put it down to experience. Eventually we got over the matter and I'd not given it any thought for several years. Until today when I moved into a new property which also used DPS and when I checked my account I found two tenancies were shown, and was amazed to find our old deposit from 2008 is still there, now with the status 'suspended pending review'. What is the legal position on this deposit now? Neither us nor the landlord can take civil action against each other as more than 6 years has gone by, but the money is still held with the DPS, and it is our money. Any chance of getting this back after all these years? And if not, what will eventually happen to it?
  6. Longer tenancy plans to give renters more security READ MORE HERE: https://www.gov.uk/government/news/longer-tenancy-plans-to-give-renters-more-security
  7. Good Morning all, I was wondering if someone could offer me some advice with an issue I have with a former friend. Back in 2012 my friend (who is extremely wealthy) gave me 2k to help me out with some serious issues I was having with debt collectors, he wanted to be more than friends shall we say and to this end he gave me another 2k early 2013 and another 2k late 2013 by way of bank deposits. I understood at the time that these were gifts and no verbal or written contract was drawn up. Once he realised that I was not that way inclined / spurned his advances, he started to get nasty and demanded the last payment he made to me to be paid back to him (which I had no means of doing) I was in a position to start to pay this money back in 2015 by way of monthly payments into his bank account after he started to hassle me, and have now cleared the money he originally wanted so stopped the regular payments. Trouble is he has started to to text me and ask for the payments to continue otherwise he will take me to court....... I can no longer continue to be held over a barrel whilst he demands payments from me as I have a small income and a large family to feed. When if ever will he stop to ask me for money ? Please let me know your thoughts and if indeed he could take me to court and obtain a CCJ The other option of giving up my will to him is unthinkable, I just want this guy out of my life Please help
  8. I had my home repossessed in 2009 due to a change in circumstances. The mortgage was with HSBC who marked the debt as 'settled' on my credit file in 2011 although I owed them money. This was removed from my credit file at the start of last year since it had been 6 years since the settlement date. I am certain that I had PPI on this mortgage. If I try to reclaim this PPI will it awaken the debt? I have seen the rule of 6 years for standard credit card and loans but wondered what would apply to the mortgage?
  9. Long story short, 18 yr old son purchased a brand new car in October and as part of the deal the dealer offered him £2300 for his PX without seeing the car but I assume they ran a valuation on it and HPI check etc at time of quoting the PX figures etc..... This week my son has just received an email and recorded letter from the dealership headed final before legal requesting he pays £500 to the dealership as the PX only fetched £1800 at auction as a consequence of the car having apparently been written off under Cat D damage that my son had no knowledge of having bought the PX privately about 18 months ago. Surely the dealership has no grounds for redress given that they would of been aware of the cars history when they provided us with the PX price? Secondly had the car fetched more than £2300 at auction would they be writing to me to say they they owe me the difference over and above the PX valuation? I somewhat highly doubt it. They are saying my son signed to say the PX had not been involved in any accidents and was not subject to outstanding finance or being written off but he genuinely didn’t know that the vehicle has been previously written off as damaged but repairable. Can anyone offer advice as surely the purchase was concluded back in October and the PX provided by the dealership is a risk that all dealers / traders take especially as the car ended up going to auction.
  10. HELLO PLEASE HELP, I have a car insurance with XS direct, during summer mid-July I was involved in an accident. the other party claim against my insurance the cost to repair their car over £5000. it was a really minor incident. I don't understand the huge cost. Unfortunately, at the time I have taken my insurance I didn't really understand what excess was and meant. so I sign up for a car insurance with £3000 excess because the premium was cheap. BIG MISTAKE. NOW, my insurance is claiming that I pay them the £3000 excess to compensate for the repair. I drive a BMW X3 54' Plate currently worth over £1300. I dont understand why I should pay them that much money. Please help. I use my car on the daily basis as well AND THEIR THREATING TO CANCEL MY PREMIUM. PLEASE HELP
  11. The CAA have intervened now, I hope they make Ryanair help passengers now. https://www.theguardian.com/business/2017/sep/27/ryanair-cancel-flights-passengers-stansted-edinburgh?utm_source=esp&utm_medium=Email&utm_campaign=GU+Today+main+NEW+H+categories&utm_term=245544&subid=7192694&CMP=EMCNEWEML6619I2
  12. 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
  13. In addition to her attempts to impose 'Henry VII' clauses to give senior ministers power to completely by-pass parliament and change even primary legislation by decree, May is now trying to give a minority government more than its normal share of (selected) members on standing committees which create legislation. http://www.huffingtonpost.co.uk/entry/theresa-may-rigging-parliament-committee-of-selection-standing-committees_uk_59b1a514e4b0dfaafcf68a04 "A controversial new motion tabled by Commons Leader Andrea Leadsom seeks to ensure that Conservatives have a majority on all standing committees that are the powerhouses of all prospective laws." "The motion, tabled by Leadsom on Thursday for a vote next Tuesday, states that Commons rules will be changed so that “where a committee has an odd number of members, the Government shall have a majority”." “The British people will not understand how having voted to deny the Conservatives a majority, the Tories can alter the rules of Parliament to ensure they have one." The powerful but little known Committee of Selection chooses which MPs go on select committees that scrutinise policy and ministers, and standing committees that govern legislation. The Leadsom motion sets the Committee up with nine members, but specifies that there will be five Tory members. "In 1995, then Commons Leader Tony Newton passed a motion guaranteeing a majority on committees only as long as a Government had a majority of the whole House."
  14. Hi I own a small company with 3 employees only been running since April this year I had booked a holiday and 4 days before I went away one of my employees left without warning. I had no choice but to contact my local agency to employ a temp worker to cover the period I was away 10 days in all . It was quite a straightforward process with just a couple of forms to fill in and sign one of which was thier terms of business . All done over the telephone with the forms being emailed back etc . I queried the hourly rate whilst on the telephone as it wasn't written anywhere (I have never used an agency before ) and the administrator put me through to another lady whom I assume was the manager she told me that the hourly rate was £12.80 for a min of 8 hours a day and then after that it was time and a half. The ten days would include 2 saturdays and a bank holiday . The agency asked me to pay up front as apparently they take a line of credit to ensure that each worker is paid but thier credit company wouldn't lend agaginst my company as it had been newly formed . I thought this was a bit strange and said no I'm not prepared to pay upfront but would pay for the first three days after they had been completed and then the remaining 7 days a couple of days after they had been completed which they agreed to . Due to the nature of the work I insisted that I must have the same person for the duration of the contract which again they agreed to. The agency worker turned up as arranged and I went on holiday.... after the first three days I received an invoice from the agency as promised but to my horror they had charged the whole of sat as time and a half. I queried this by email as I was away and corresponded with the lady who had told me about the hourly rate. When I asked why the whole of sat was charged as overtime her written reponse was sorry I didn't mention it but this practice is common knowledge within the industry everybody pays sat and bank holidays as overtime otherwise they wouldn't get people to work.so I replied that she knew I was a new customer she knew I was having the worker over the weekend and bank holiday so why not mention in the telephone call that sat and bank holidays are classed as overtime ?? To which she apologised again for not telling me but she thought I was not new . Thier terms of business says hourly rate etc to be agreed in writing I have nothing from them in writing stating what the hourly rate would be just the verbal confirmation during the telephone call backed up by her email apologising for not telling me about the changes on sat and bank holiday . I'm away on holiday and am panicking that if I kick up about the invoice that she will pull the worker and leave me in the right brown stuff. So against my better judgement I pay it but send an email complaining I'm not happy .To which I get no response So 4 days later I get a phone call from the agency saying the original worker is leaving today but he is going to be replaced by another worker who will be doing the rest of the week (3 days remaining )....as you can imagine I kick off big time especially after I'd gone to all the effort of insisting that I needed the same worker for the 10'days apparently the worker had been contacted by another employer that he Temps for and wanted to go and work for them apparently the agency can't stop him from doing this which again I was not told about especially as I had lengthy conversations with the agency about this . So I eventually agree to having the replacement guy and then when I speak with the new guy on the telephone in the evening he tells me that he can only do the last two days as he has commitments on the last day which apparently the agency knew about !! That is the final straw so I have cancelled the work for the last day as don't want to use the agency again as too much grief . I will be getting the invoice for the last period of work soon so would like to know if I can deduct the rate increase that I paid originally whilst I was away from the new invoice ,and go down the line I wasn't told it's not written down anywhere etc and can I do anything about having to cancel the last working day and being mucked around etc with different staff etc this company are a joke and I will never use them again Any thoughts greatly appreciated !!
  15. https://www.theguardian.com/film/2017/aug/16/daniel-craig-confirms-he-will-play-james-bond-again
  16. Hello I live in a cul-de-sac and my house is the last house on the road and I have my own drive at end. Today, I received a PCN code 62 while parked on my own Drive. It states 'Parked with one or more wheels on or over a footpath or any part of a road other than a carriageway'. My car was parked with the back wheels just on the edge of the footpath, something I have been doing since 1988 but for some reason I have received a parking ticket today. The footpath ends at my house, although a neighbour whose garden backs onto my drive has put a small gate in his fence so he can leave his house from the back. What can I do in this instance as I will have problems parking on my drive in future? With the back wheels close to footpath, the back of the car stands over the footpath by a foot or more depending on the car that is parked. I would appreciate any help or suggestions
  17. the other week I checked my bank and realised I hadn't got enough in to cover the insurance that was coming out the next day cancelled it with a view to ringing and paying and reinstating, forgot about it, went away for a few days came back to a letter ring us by this date etc and sort it I did all be it 3 days after the date on the letter. Yesterday I get in and have another letter from More than dated 4th July(10 days to deliver??) i.e. the date they wanted me to call them by. Enclosed a Default notice served under under s87(1) of the cca. It just says I need to call them by the 27th July to reinstate the direct debit to avoid action which is all sorted. The 1 and only thing I care about here is whether they can do anything to affect my credit file?, they have never added or updated it before so my gut instinct would be no. I presume in doing what they asked I have not defaulted it and the only thing they could do would be a ccj. Can anyone clarify? The default looks legit, whether its correct is another story but it certainly looks like something a creditor would send after 3-6 missed credit card payments. Would seem brutal if they were doing anything more than following due process for canceling the policy.
  18. Hi guys, Story goes, Back in December 2016 I called up the body which were dealing with the transaction move from CSA to the the 'Child Maintenance Service' questions, what they told me then led me to call the CSA From 21 Oct 2015 I was officially out of the UK and not contributing to the Tax system as I was now working in Denmark. I was still paying the same assessed money as I was told to until I called up about the above proceeding move between the 2 companies. The agent from the CSA told me because I was now working out of the UK and getting paid from Guernsey there would be a NIL assessment because they could not assess what payments I should making. So in theory I was still paying their calculation for around 14 months, which I didn't need to do, but this doesn't bother me, I was still contributing to my child and taking the responsible thing to do. Now during all these years I have always, when calling CSA, asked them to clearly check and confirm what I was paying was correct and everything was up to date, I never missed one payment and always kept to the agreed standing order for all the years. I also received a few statements of what I had paid and my future payments dates. There was a time previous that they did an assessment on me as I returned back into the UK a good few years ago and I had arrears to pay off which I did at £410 and then once they were paid off I then started to pay £310. This was all calculated out for me and I have the documents in my folder of all the breakdowns and payment structure When I called up in December she told me that as of December I would not have to pay anything due to the Nil assessment (working in DK) but I told her I would still like to keep paying, which I am doing straight into her account, the mother agreed and sent her bank details to the CSA which were then fwd onto me, payments are still going smooth. (I also have a letter from the Child Support which stating I am due £0.00 from December) Until yesterday, I came home to a letter from the CSA demanding over £1000, they state in the letter (attached) "we transferred the money to the Secretary of State, rather than the parent with care" Has anyone else experienced this and due to their blunder (I presume), they don't even send a break down of where this money is due from dates etc, it's like someone coming to my front door and saying, "Sorry buy you're due me £1000, pay up now!" Please can anyone help? I'm thinking of writing a letter back explaining all the conversations I had with previous agents asking for a confirmation of balance and the fact I have have it in B&W I was due £0 from December, how can they now go back? I am also thinking of visiting my Solicitor regarding this, just mad that this should have all been taken care of CSA just makes my head boil !! CSA DEMAND 2.pdf
  19. Whats the difference between owing a credit card company, more than , or less than 10k? I've seen reference to courts, and type etc. what differences are there on a default, of one, over the other ?
  20. The following LGO decision (which was only released this week) is a vitally important one as it deals with a number of misconceptions and inaccurate advice regarding bailiff enforcement. For instance, this decision addresses the following misconceptions:
  21. Hi, I am in the process of trying to source a mortgage however the fact that I have historic defaults on my credit files from telecom companies is causing me problems. These are all with Lowell and range from 4 years to 5 years old. What's the best way of dealing with this to ultimately get the defaults removed off my credit file within the next 3 months due to wanting to take advantage of a "right to buy" offer we have. Obviously I am NOT saying that I don't want to pay these however if its best to go down the "final settlement" route as long as the default is removed etc than I am happy to look at that? Some of the defaults I genuinely don't have a clue what they are and would protest against them if time was not against me. any help would be gratefully received. Many Thanks Scott
  22. Hello This is my first post, so please bear with me. As you will have established from the title, I have been stupid recently and have taken out credit via a mail order catalogue and four payday/short term loans. I have always had a volatile relationship with money, which I think has stemmed from my chaotic upbringing (my father got himself into a lot of debt and I was sent out to work from the age of 12 and up until I was 27, I was paying him to help him out each week. The time this ended was when he died (hence it ceasing when I was in my late twenties). The above isn't my way of evading responsibility as I am old enough to know better - I just wanted to offer an overview. Just before my father passed away, I also suffered a miscarriage and thought I had experienced another shortly after he died , but I was lucky enough to give birth to my first child that year. If you are still reading this, thank you. Even writing this is making me cry and I genuinely don't feel I have properly grieved since the losses (my Dad and two babies) and believe this has probably contributed to why I spend on credit and buy things I simply can't afford. For a short time it makes me feel better. I have previously been diagnosed with depression, but thought I had overcome this. I now think I have just masked it with the borrowing! I am currently paying StepChange a monthly payment towards older debt , but have racked up mail order debt of £1750 and also owe the following: MyJar - £800 Satsuma - £1000 Wageday Advance - £150 QuickQuid - £400 I have previously borrowed from the top two and paid them off in full, but this was only possible by borrowing from one to pay the other, but it gave me more credit at the next time of applying. The first payments for these new loans are due at the end of April and I know I cannot pay them. I am losing sleep and feel poorly with worrying about what to do or say to these companies. None of them asked me if I was on a DMP, but I know it is my fault. I am working full time and have a partner, who doesn't know the extent of my debt, but he has his own issues (addiction). We have three children and I look at them and feel so crap for letting them all down. Please can anyone offer any advice? I am sorry for rambling on. X
  23. http://www.mirror.co.uk/money/17-things-more-expensive-morning-10135391 1: Council tax - on average 4% 2: Water bills - 2% taking the average water bill to around £395.00 3: Prescription costs - increase of 20p from £8.40 to £8.60. 4: NHS Dental charges increased. 5: Cost of a 1st class stamp has increased by 1p from 64p to 65p and a small parcel by 5p from £3.35 to £3.60 6: The cost of a TV licence has gone up by £1.50 from £145.50 to £147.00 Other items include mobile phone bills, broadband bills (although I see that some package prices will come down thanks to OFCOM) Air passenger duty Electricity prices and Car tax rates (Vehicle Excise Duty) will also increase.
  24. i have been doing extra duties / work for over 2 years now and it has not been recognised in either wage increase or additional admin support to do the work. do i have an option to demand increase or take out a grievance....
  25. CAG Reported on the safety issues regarding these products in 2015.. http://www.consumeractiongroup.co.uk/forum/showthread.php?456048-Hotpoint-Tumble-dryer-safety-issue&highlight=Whirlpool+tumble+dryer However it seems despite their assurance that their items are now considered safe and the fact they have continued to sell this product.. they have now advised.... owners not to use their dryers until they have been repaired !! Whirlpool orders plug to be pulled on millions of faulty tumble dryers until they can be repaired http://www.mirror.co.uk/news/uk-news/whirlpool-orders-plug-pulled-millions-9898350 Believing them to be safe I purchased a new one just a couple of weeks ago !!
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