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  1. After reading various posts on the Forum regarding GE Money / FNB I was not holding much hope on receiving a positive response re my Subject Access Request. Sent 10/7/15 via recorded with payment Signed for and received 13/7/15 Reply dated 27/7/15 received today (see attached edited copy) Is this the usual standard response from GE ? Surely this is in breach of my request as they have not responded accordingly either way. I didn't even quote any account numbers but asked for everything under my said name ? And they did not even return my cheque as requested if not
  2. Good evening all, I am in a sticky situation, I received an invitation letter to go to the National Speed Awareness Scheme to write off my speeding offence, I was doing 58mph on a 50mph zone. My current situation: I've been financially struggling due to getting married in July abroad and money is something I've been struggling with but I'm getting by and putting things into place. I received the letter for the course on 7th January 2019 with every intention of attending the course, but I completely misread the situation, when I went online to drivetech to have a look a
  3. I came to return my brother's car and parked on the suspended bus stop which had been closed due to Gasworks mains replacement. Below is my letter to Newham, I have appeal on 18th Jan 2019 and need some guidance. The PCN ….. was issued while the vehicle was parked on the Bus Stop on Plashet Road. Plashet Road was closed due to Mains Replacement work on Green Street. Stukeley Road had notices stating that it was closed from 28th July to 5th October. The works overran the above schedule and I wasn’t aware of its completion until after I was informed about PCN. My broth
  4. Hi, my friend took NE to London to apply French visa for January trip. The bus arrived in London one and a half hour late because of the driver went to wrong direction (which is unbelievable!) She missed the time slot for French visa, and it is unlikely to apply visa anytime before January. (She has bought tickets and booked hotel already) I searched NE website regards of compensation, but there is not much information. She allowed one hour between coach arrival time and visa. Could she claim the foreseeable loss?
  5. Hi, need some advice if possible its for a friend of mine, she filled in a form for a credit card back in 2001 filled the form in and post it back to the abbey national and in the form she ticked the yes box for the personal protection cover, she filled the form in the branch, now she tried to claim misold ppi but they have refused her twice as they claim by ticking the ppi box she understood it was optional and it was her decision to purches the ppi,, they also claim they sent out policy documents which confirmed the ppi sale and even if this had not happened they still
  6. Name on my NI Card, is not in full as on my Passport I was given the NI card with a short version of my name. Anyway I've have applied for a job, where I need to show my NI card (which are no longer produced) or NI Record, which I believe is no online, can I go online to the HRMC site register and update my NI record, so my name is now in full as per my Passport? Its not a name change, but update to my full name as on Passport
  7. I had a secured First National Bank loan in the late nineties which I believe had PPI. At the time FNB was owned by Abbey National/ Santander. I submitted a PPI enquiry to Santander but they only came back with details of my old bank account with them. I believe that FNB were purchased by GE Money at some point. Should I be making my enquiries with them?
  8. Hi hi Sorry don't know if its right tread I had a 2004 1st national loan, ( which back then belonged to ge money), and even with the original paperwork, and after been sent/forward to santander as they seemed to have bought they portfolio, and after getting an answer the account is too old we dont have the data anymore- even though I sent them a copy of original loan agreement, I try through FOS, which also said they were in favor of the ;ender, |I just felt so discouraged that I just quit, this was over 18 months ago, is there anything I can still do? Many thanks
  9. can someone please advise. I sent my car to national engine center to have the engine replaced. the car was returned with body damage and had 30Miles extra on the clock. I paid for it through paypal and after opening a dispute this garage finally agreed to take the car back on condition that the paypal case be closed, they agreed to repair the list of damage I provided and within 7 days return the car. on day 14 they sent the car in for a MOT without consulting me first, the car failed. it has now been 3 weeks and they won't return the vehicle, they say I can fetch
  10. A friend, who is on benefits, has been asked to take part in the Family Resources Survey. It seems this is part of the Office For National Statistics (ONS) who are doing the survey on behalf of the Department of Work and Pensions (DWP). The survey visitors are exceedingly persistent. The interviewer came round four times (my friend was out each time), left their mobile number, left notes in the letterbox urging contact, provided a reply paid envelope, gave a helpline number and even sent a £10 cash voucher. From what people have posted on other sites, this is a very detailed intr
  11. I applied a mortgage with Halifax bank which was accepted initially later I change the house on which my mortgage was accepted on the second mortgage Halifax rejected my mortgage and put my name on the national hunters date base giving reason that my Job is not verified where as I am working with same employer for over an year I tried few other banks but on the basis of this report no one is willing to approve the mortgage and I won't be able to buy a house for my family really stressed and need some serious help to get out of this trouble
  12. National Living Wage workers set for £600 pay rise from 1 April READ MORE HERE: https://www.gov.uk/government/news/national-living-wage-workers-set-for-600-pay-rise-from-1-april
  13. Hi everybody, apologies if you've seen my question on some other forum, but I did not get any replies and I'm getting a bit anxious about this issue. Quick recap: - EU national, in UK for 15 years, but with an absence of more than 6 months (see below) - Never claimed any benefits until late 2013, till I lost my job, then left the UK for 8 months and came back in 2014. - Claimed JSA in 2015 (six months after coming back) but it was initially refused on the ground the 8 months absence would not entitle to any benefits. - Appealed and won, but was told I could only claim
  14. Hi there I have a question relating to a loan that I took in 2004 through Zenith Windows to install double glazing. But Zenith windows went into administration in 2010 I believe. Loan amount 5K. It is now paid off. How do I go about getting the PPI back from them and the unfair charges. Can anyone help please? Many thanks and much appreciated.
  15. Can some one please help. I have received a final response to the letter that I sent to GE regarding my PPI payments on the loan that I took with First National Tricity Finance in October 1999. I have the agreement and I know I paid £155.00 as a lump sum. Single premium. Santander was saying that I should have checked the PPI. However, in 1999 I did not know anything about PPI, and also I was told that this formed part of the deal. In order to continue with the loan I had to take this so I did. Has anyone able to claim an PPI from Santander please? Many th
  16. Sent a DSAR to National Hunter. This DSAR was specific in that I was requesting copies of any and all data they might hold on me Response being in regards to any statements, screen shots, recordings, internal and external communiications etc. They have stated that they want me to be specific, that is date range and what context about myself, The obligation has to be on them to search for data Looking at drafting a sutible response and welcome guidance as to content before going in with the ICO if justified
  17. Here is a list of all phase II Universal Credit (UC) rollouts please see my attachments these are the areas that will be affected throughout 2015-16 please read the attachments to find out if and when you may be affected .... This will be from now until spring 2016 As most of you know UC means you only get paid once a month, you also get paid your HB as well. You will be responsible for paying this bills on time and making sure you remain in CREDIT with your rent as per T&C's of your tenancy agreements. (May vary between different Councils/Districts) Failure to pay your Cou
  18. https://www.nationaldebtline.org/EW/factsheets/Pages/bailiff-reform/our-campaign.aspx Back in May, National Debtline launched a campaign for a reform of enforcement practices. Perhaps we should encourage people to take part in this excercise that ND are organising. EC's do need to be properly regulated.
  19. National Minimum Wage: Workers win £2m compensation READ MORE HERE: http://www.bbc.co.uk/news/business-40952205
  20. Fire safety in tower blocks to be examined by Assembly Committee - National Assembly for Wales READ MORE HERE: http://www.assembly.wales/en/newhome/pages/newsitem.aspx?itemid=1732
  21. Dear Caggers, long time member on the Motoring Sub forum, now have a problem in the (to my untuitored eye0 murky world of HMRC enforcement. It takes the form of a demand for 'Payment due £xxx' on form HMRC12/15 and is headed Self-employed Class 2 National Insurance contributions (NICs) due It shows a summary of outstanding liability periods (all of which include higher rate for late payment). 29/06/75 to 10/04/76 11/04/76 to 09/04/77
  22. i took out a loan with first national several years ago, and in the process of claiming back charges they applied to my account with them, what i am not sure about is i settled the loan off before its end date, and going over the statements have come across a section where they have added on future charges, after speaking to them it turns out to be because i had settled the loan off early they added the interest onto the settlement figure if it had run its course, after taking the rebate of left a balance of £546.36 intrest to pay on top of the loan, this been the interest they would of made
  23. Help I have just returned from looking after my 96 year old mother in law from Christmas Eve until yesterday for her live in carer to have a break. Absolutely thrilled to open a letter from National Parking Enforcement. Just what I needed after 2 hard weeks . I had to go to the local Coop only a smallish shop as we had run out of bread and bananas. I parked in the only bay available which was the disabled one. I hadn't got Mother in Laws blue badge with me as I had come out in a rush and put her in the car . She is wheelchair bound and suffers from advance
  24. I would appreciate some advice, please 50 + years ago - OH was involved in an accident whilst playing football. He was a goalkeeper - took a dive to save a ball and was kicked in the top of the spine. He was taken to hospital with a suspected fracture. X-rays didn't show anything seriously damaging although there were some problems with his back / walking. Was kept in hospital for a couple of weeks and was then sent home. Over the years, because of the pain, he contorted his body to alleviate this and developed a kind of weird posture. 30 years ago, he was
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