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  1. Attached, in case anyone wants to cross refernce or similar santan112.pdf
  2. 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
  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 postin
  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
  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 privat
  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 curr
  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 th
  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
  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 a
  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
  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 ju
  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
  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
  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).
  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
  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/whirlp
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