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  1. Hi, I'd be grateful if anybody could give advise me on my rights for the following issue. I bought a pair of waterproof boots from a well-know firm that sells outdoor & rock climbing gear. The boots have developed cracks on the panel that runs around the shoe and is attached to the sole. The sole itself is fine. The boots however are no longer fit for purpose. I showed them to the shop assistant who told me that it's general wear and tear and there's nothing they can do about it. I asked if they could repair them and was told I could (buy) and try a tent rep
  2. Hi, My Dad received a claim form with an issue date 1st November. AOS entered on internet. Says service date 8th Novemver. (they sent POC separately) Claim form amount is £35 more than owed amount, even their evidence shows original amount. (This is not including fees and costs). Background. Service charge (not disputed). Offer of £20 a week offered in August, was rejected. Offer of complete amount by family to extinguish burden by letter (The defendant is a disabled OAP) on 5th October. Heard nothing back. It should be noted the defendant tried to contact the cla
  3. 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 g
  4. After a sibling died the others came together to clear the property with the sibling who is executor. This help was given freely and at no time did anyone mention or talk about getting paid or expenses for said help. Now suddenly an invoice has been sent to the executor for work carried out, this is a proper invoice as person is self employed. But is the executor legally obliged to pay this from the estate? We are aware that once the estate is settled if anything is missed the executor is liable personally. So although this is clearly immoral it's the legal side that conce
  5. https://www.theguardian.com/society/2018/feb/28/gps-offered-cash-to-refer-fewer-people-to-hospital I thought GPs were already finding it hard to cope with the workload? This sounds an odd way to try and fix the system. HB
  6. I have a joint account overdraft debt (First Direct) from 2005 which has been on my Payplan DMP since 2011. The current DCA (Arrow Global) appointed Restons Solicitors who sent Claim Forms to both me and the other party, my ex. Payplan sorted my reply offering £1 per month. I didn't realise that my ex needed to send Acknowledgement of Service and I told him, wrongly,that I had it sorted with my DMP. The claimant rejected my offer and the court issued me a judgement by determination for £20 per month. My ex was sent a judgement by default. (The amounts on the two judgeme
  7. Hi, I'm in the Support group for ESA, was on Contribution based Incapacity Benefit from 2003, transferred to ESA without a medical in 2013. Was also on DLA high rate Care and Mobility from 2003, transferred to PIP in 2016 (downgraded to Standard Rate by an one of the 'trusty' so-called HP's !). My query is this, I have been thinking about coming off ESA as I've been offered part-time work (16 hrs a week) at a sitting down job (I have mobility problems) and can claim Working tax credit. Question 1) I would obviously write to DWP to say I want to come off ESA, but do I have to give
  8. I have a clear cut situation.... My original phone contract was on orange but after the merge of orange/T-Mobile which is now known as EE.....I was upgraded onto EE. Due to an internal error on their end (which they have admitted to the ombudsman) the original orange account did not get closed which resulted in the company automatically billing me twice (no money was ever attempted to be taken for the original account after upgrade) which resulted in missed payment/default put on my credit file. The kicker...... How I came to find out that this error occurred was when I was speakin
  9. Hi, I've recently had a letter from robinson way, offering to close my account and to record partially satisfied. Ideally I'd like the default completely removed. I'd like to know if this is even possible, or is it a waste of my time trying to negotiate this with them? Thanks!
  10. There was a story in the financial section of today's Daily Mail about a chap who lived in south London and always had done being chased by Robbers Way for a debt that beloned to someone in Essex. it transpired that Experian does a people matching service and came up with the poor fellow's name and DoB being similar to the defaulter so they sold Robbers his details and they then put a default on his credit files and changed the original address to match the new erroneous data. Now I know that this crookedness and deception was down to Robbers Way but they wouldnt have ever had the o
  11. I bought a pair of expensive reputable headphones from a high street store that also operate as an online retailer with good reviews. I purchased directly from the physical store as it was easier. In less than a year the headband formed cracks from normal use on the left and right ends. The manner which they appeared flagged a design fault or a material defect. I took pictures of the cracks, eventually one side snapped. The headphones are not usable, so not fit for purpose. I went to the store with the entire box, headphones and purchase receipt and asked for a replacement. The selle
  12. Hi All, First time poster! I've been battling with Barclays over a default they placed on my credit file purporting to a current account with Barclays which I didn't recognise. Six months ago my partner and I were house hunting, at this stage we were really just getting a feel for the market. A house came up that was perfect and we set the wheels in motion hoping to get a mortgage offer sorted within the week and put an offer in. After visiting a mortgage advisor, he asked for copies of our credit files, which we duly acquired from the two credit reference companies and sent th
  13. Hi there, I am new to this and would kindly welcome some advice if anyone could help? I'll keep it brief and to the point. Work for global corporation, my head office based in UK. Employed by this company for nine years, no complaints at all. Had various directors, regional managers and line managers over these 9 years. Company was restructured late December 2014, I inherited a different regional manager and line manager in January (both who work in a different division and have no knowledge of the job I do, regional manger been there for at least 7 years, line manager
  14. Hi, My company employed a receptionist in June and her contract said: "The Employee's salary is £20k per annum. Upon successful completion of probabtion period the employee's salary will be raised to £24k." Her probation period expires soon and we are not happy with her, but would continue to hire her on limited tasks. However we believe that she does not deserve her increased in salary of £24k. We are wondering how to hire her on a similar type of job, but not incerase her salary to £24k. One colleague mentioned firing her, and hiring her with another contract the next d
  15. Hello good people, I'm receiving ESA, the higher element and am also living in a property supplied by my local London Borough costed as Temporary Emergency Housing since my break down in 2012. I've been offered a 'break', a holiday of sorts in Broadstairs on the Kent Coast next month for five days. No cash just a stay outside of town no remuneration. Although I've seen little activity regarding the Council, Brent, checking on my personal occupational life, in Haringey, I don't want to give the paying authority for my HB any excuse to cut me off at the knees! Help and advice
  16. I recently completed claim forms re a debt being administered by Restons Solicitors for £770. I am in the process of setting up a new DMP with Stepchange and working off the budget figures and our other creditors, I made an offer of £5 per month. I received a judgment for claimant today saying the claimants have objected to the rate of payment and the court have awarded them £25 per month. I dont understand how they cant understand this is not possible for us atm. We did provide the budget sheet for Restons to show the £5 offer was all we could afford.
  17. After sending a LBA to my previous LL, who had not secured my deposit (£650) with the TDS, they returned the deposit in full. I re-sent the LBA reminding them of the maximum penalties (3x £650) for non-compliance. The LL has now come back with an offer of £650 in full and final settlement, stating that they were unaware of the law - even though it was specifically referred to in the LL's rental agreement. What is the chance of a claim for the maximum penalty of £1,950 succeeding, now that the LL has made this offer?
  18. Well it looks like that there is a another company which is now offering Retail Loss Prevention. It is very confusing. I wonder if they are part of Jackie's Retail Loss Prevention company or whether they are independent. Maybe Jackie's Retail Loss Prevention company is merely operating on a franchise from the parent company SINSO - http://sinsoretailsupport.com/?utm_expid=94136120-1.KQXYxP2ZRlmLrRrg2_kZaw.0&utm_referrer=http%3A%2F%2Fsinsoretailsupport.com%2Floss-prevention http://sinsoretailsupport.com/loss-prevention#find-out-more
  19. Hi All, I recently completed a degree and prior to completion managed to get a job with a large organisation that will remain un-named. I was due to start a taster day 3 months later prior to a enhanced disclosure being completed when I was struck down with a chest infection. A few days later I received a phone call from the said organisations manager stating they would no longer be pursuing my application. The reason given was they felt that there were stronger candidates citing references as a reason for this despite them having these references for as much as 1 month pri
  20. I have just received a letter from Barclays saying they offered a PPI refund in July 2012 for two visa cards but i only queried these on 30/09/2014. One is paid and closed but the other is defaulted with them with a balance of £1800 and they are offering £720 refund but they want to pay the full amount towards this balance. I also have a transaction summary from them and on it it says this account is unenforceable. My question is o i accept the refund and advise them i am offer it to pay the account off as a full and final settlement to get r
  21. Got a letter today from Lowell offering to settle my unpaid capital one account for £80. I owe £321. Ive not had any contact with lowell and am wondering if its a ploy. Your thoughts? cheers.
  22. http://www.independent.co.uk/life-style/health-and-families/heavy-drinkers-to-be-offered-lifesaving-pill-that-helps-reduce-alcohol-consumption-9771600.html
  23. Last month I received a notice of a claim against me for £850. I immediately sent off the included form admitting to the full amount and offering £40/m which would have seen it paid off in under two years. The next contact I've received is today, stating that the claimant has objected to rate of payment offered and has issued a judgement against me demanding £1025 (including interest and costs) by instalments of £100. £100/m is going to be a huge stretch for me at the moment. The other factor is that I've just taken a new job that starts in three weeks and I was going to
  24. Hi all I am currently 22 weeks pregnant and have been working for my employer since September 13. I am a surrogate and underwent IVF for my intended parents. I had a lot of problems with bleeding during the first 12 weeks which was really stressful and worrying. I work as a bookkeeper in 2 offices (Office A&B) using different software in each, in one of the offices (A) I have had no problems at all, in the other (B) I have been told I am making constant mistakes and clients are complaining about me. The director in office B and the manager talk to each other but not to me an
  25. Hi, I recently signed up to a contract with O2. I started at carphone warehouse and was offered a 4g package with a free phone for the princely sum of £37 pm. Since the provider I was looking at joining was over the road I decided to go directly to O2 to see if I could get a better deal, You'd think you would be able to! Right. When I went over there I was told for the same network, tariff, data and same phone free the cost would be approx. £42 pm. At this point I obviously pointed out that I could get a better deal from a third party store. At this point the sales rep offe
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