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  1. Santander is to close 140 branches, putting 1,270 jobs at risk, the Spanish-owned bank said.The lender said the closures are in response to how customers are choosing to carry out their banking. Santander has consulted unions on the proposed changes and will seek to find alternative roles for the 1,270 staff members affected, wherever possible. The bank expects to be able to redeploy around a third of that number. Susan Allen, Santander’s head of retail and business banking, said: “The way our customers are choosing to bank with us has changed dramatically in recent years, with mor
  2. Santander is to close 140 branches, putting 1,270 jobs at risk, the Spanish-owned bank said.The lender said the closures are in response to how customers are choosing to carry out their banking. Santander has consulted unions on the proposed changes and will seek to find alternative roles for the 1,270 staff members affected, wherever possible. The bank expects to be able to redeploy around a third of that number. Susan Allen, Santander’s head of retail and business banking, said: “The way our customers are choosing to bank with us has changed dramatically in recent years, with mor
  3. I recently purchased a tenanted property with a leasehold of 125 years. As there are 3 other flats and a commercial premises as part of the building there is a managing agent in charge. It is a first floor premises and the agent recently requested access to the property for a bi annual inspection. The tenant was unhappy about this (as there had been a historical bad relationship between tenant and agent - which I inherited) so instead photographs were supplied. The agent is now insisting that going forward they are allowed access to the premises for such inspections. My tenant is
  4. Hi, Looking for some advice if possible My partner and i recently went through the process of trying to get a mortgage. After providing all our financial details to the Mortgage advisor his view was we would only qualify for a Mortgage with a high risk lender such as Kensington which I will not entertain. Reasons are: - My partner is in a debt management plan with Step Change, any reputable lender will be put off by this. - All but one of the debts in the plan are over 6 years old so do not show on her credit file - The only debt that is less than 6 years happens to be th
  5. Hello I sold a car and posted the logbook with the new owner’s details to the DVLA by first class post. (next time I will record delivery – lesson learnt). I received a failure to insure wrote back to them with the details of the new owner and explained that I had written to him to ask him to provide the details of his insurance . I had already informed DVLA that the insurance company he said he was insured with (but not the policy numberI have no proof other than his word that it was insured). The next thing I had through was a court judgement for failure to insure.
  6. Hi all, I used to have a credit card and paid a large amount in PPI for several years. I'd now like to claim back that PPI as, not only was it forced upon me, but it was useless in my circumstances anyway (self-employed, claim was denied). Unfortunately, that credit card had a large outstanding balance when my income plummeted and was ultimately passed through several debt collection agencies. The debt is now owned by a notorious DCA (statements mention a date of "assignment"). the debt is statute barred, I haven't acknowledged the debt or serviced it in any way ..
  7. Just wondered if anyone can advise me on what line I should pursue. I am currently in the early stages of court proceedings on another thread for an Egg loan - which led to me reading other things on this site, particularly lots of stuff about Egg cards. Can anyone advise me on whether or not I have anything worth pursuing. Will summarise; In 99 or 2000 took out an Egg card online which ran ok for many years. I know I had PPI and account ran up and down to around £11k. A few years into the account i questioned the need for the PPI and they stopped it. (not sure of exac
  8. Hi, I'm usually pretty confident with dealing with debt collectors and things like this but this one has got me scratching my head a little and so I'm just looking for a little bit of advice from people that know far more about these things than I do. I signed up with our local gym in June of last year. It's a council owned gym but they outsource their membership management to a company called Debit Finance Collections (DFC). Our membership is actually a Consumer Credit Agreement provided by DFC which runs for 12 months and ends in June. Everything was going well until I went to
  9. Hello Many thanks for reading this- kindly appreciated. I jointly own a property with my ex-husband. We had a NRAM together mortgage with the unsecured loan, I went into IVA once we split up and he is now solely responsible for the remainder of the unsecured debt. As he ignored paying towards this debt (any debts really!) NRAM took him to Court and the following restriction has been entered in the proprietorship register in the Land Registry document: "No disposition of the registered estate is to be registered without a certificate signed by the applican
  10. Hi, I have gotten copies of my credit files and I agree with most of what is on there. However, there is a debt which is currently owned by Lowell for a telecoms bill. The bill was for 02. I ordered a phone several years back and there was a problem with the delivery, it ended up going back to 02 and I cancelled the order as I thought the service was rubbish. I got a phone from tmobile instead. So I have just found a Lowell debt for nearly £1200 on my credit files. Can I complain to Equifax etc? As I never had the phone it would not have been used and the
  11. Hello everyone .. I need your advice on a peculiar situation I'm in now. Two weeks ago I received a notice of removal from a bailiff for a debt of £1030 owed to the City and County of Swansea. I went to the bailiff's office they said it's about 3 parking fines from last year. I don't own a car, a driving license and I don't even know how to drive. I went to the council they said there is a car registered in my name and my address. I went to DVLA and filed a complaint that I am not the owner of the car. DVLA said it will take three weeks to process. My guess is someone with the same
  12. Hi I have two old credit card accounts with MBNA which have been sold to Arrow Global . I had no joy from Arrow with a CCA request for both account so i did a SAR to MBNA. Neither account had PPI but both will have incurred charges along the way . In the SAR pack i can see no documentation for the transfer or sale of the account to Arrow. Must this be in the pack for Arrow to chase me for the debt . As they are old accounts 2001 and 2004 i have included the CCA in the SAR pack for anyone able to quantify them . I currently pay both accounts £1pcm still to MBNA for the
  13. hi hope someone can help asap I have been visited by Equita baiiff today for unpaid council tax. I have told him that in two weeks I will try and a make a payment but cant promise the figure we agreed due to low income. I have to give him his due he was very nice about the situation. the problem has arisen that he has told me that they can take the car parked out front. this is where the situation gets tricky so bear with me... the car is registered with dvla in my name, but that is for tax and insurance purposes only. it is in fact my 17 year old high functioning aut
  14. I know enforcement officers can query the DVLA for a number plate to find the registered keeper of a vehicle, but can they do the reverse - run a query at the DVLA for name and address to find out if the enforcement target has any vehicles registered to them? Also, I transferred my car to one of my sons BEFORE the CCJ was given against me. Can an enforcement officer clamp and/or tow the car registered to my son? Thanks.
  15. Can I pick some brains please? I received an invoice from a building contractor who had money problems and walked off a job leaving it unfinished. There is no written contract and no stage payments were agreed. The invoice was for less than £500 (for the materials used). I didn't hear from the contractor other than a monthly reminder for payment (no letters, just a copy of the invoice). Then a DCA got in touch 'out of the blue' adding a £100 fee to the invoice. I didn't think this was allowed if there isn't a contract or terms and conditions in place that allows for th
  16. There is land behind my rear garden which is owned private by a company whose details I do not have and can't find. Yesterday a tree on that land has fallen over my rear garden fence - causing considerable damage. I've never made an insurance claim before - do i tell the insurer: 1. The tree was on land owned by a company and that company should pay for all damage? 2. Should I goalso go to a solicitor and ask them to find out the details of the landowner and send them a letter to ask them to pay for the repair (tree is on private land behind my rear garden fence) Atta
  17. Can you send a dealer a SAR asking for all information with regards to vehicle you bought from them brand new? Actually in this case the vehicle is a caravan suffering from damp and we want to find out if they carried out a damp test at the previous service in November last year plus we need to know some other information regarding the caravan.
  18. I jointly bought a house in 2007 with my partner at the time. We both got it into arrears although he blames me entirely (he ignores the fact that he didn't give me his half each month) anyway long story short! Acenden took us to court, was granted an order and we arranged a payment plan... Then in July 2011 I had to get an occupation order out against my ex, this was granted and he was removed from the property. The order was then dropped a month later with attachments due to me finding out I was pregnant and him making me believe that he would change. Then in March 2012 he threatened m
  19. Just to mention that I have received two speculative invoices from Town and City Parking. In both cases I have sent the letter below and they have cancelled the tickets rather than pursued the matter further. I know the advice is to ignore but this worked for me with this company. Dear Sir I acknowledge receipt of your “Notice to Owner” reference TCX. I do not acknowledge any liability to company. Your document is no more than a speculative invoice. Despite your reference to a “writ” and a “summons”, your only means of enforcement is through the county court. To do this you
  20. Hi All I'll try to keep it brief Day 1 - I purchased a 2002 car for £1500 from a dealer, 1 year new MOT, 5 mths tax. I viewed the car, but didnt test drive (i know!) and all seemed fine. Purchased it, was given a little paper work that i never looked at and one key and started my journey home. I noticed on the way that there were 2 warning lights on the dash. When arriving home i searched online and these were ABS/ESP faults (im kinda dumb when it comes to cars) and also noticed that the key given to me was manual, and the alarm wouldnt work as it needed the remote fob. I also looked
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