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Found 24 results

  1. I usually give advice on this site but now need some myself The company that owns the Freehold of an old property of mine sent a bill for ground rent to that property which was not passed on by the tenant. They have since instructed a Law Firm as Debt Collectors who has charged me 2 lots of £180 for a letters sent to the rental property and then later to my registered office. I paid the initial sums owed as soon as I got the 2nd letter to my registered office but not the Debt Collectors £360 fees. My question is where do I stand on the amount of the fees charged? £180 per letter seems ridiculous. I've offered £90 to cover any expenses incurred which has been refused. Any help would be greatly appreciated.
  2. This very recent Local Government Ombudsman's decision (released 10 days ago) is another one of importance. In this particular case, a motorist had incurred a penalty charge notice from London Borough of Haringey for wrongful parking. As the contravention was for parking as opposed to a CCTV contravention, she received a Penalty Charge Notice on her car advising that the charge was £130 but if she made payment within 14 days, she would be entitled to a 50% discount bringing the penalty down to £65. She told the council that she could not pay and offered to clear the debt over a 15 month period at £5 per month; the Council refused but offered here a further 14 days to pay at the reduced rate. She refused to pay. A warrant of control has been issued and passed to bailiffs to enforce and the debt has risen from £65 to £513 (to include bailiff fees of £310). PS: Please see the next post for a copy of the decision.
  3. Petition Pay £350m per week to NHS or re-run EU Referendum https://petition.parliament.uk/petitions/171869?reveal_response=yes
  4. Hi folks, So I am not to experienced dealing with letting agents, their reputation for lack of morals has me avoiding contact if necessary. I have an agent who intends to charge me a relisting fee of 400 pounds if I were to end my contract 2 months early. Yes it is legal in the contract as per their outlined conditions. "If the tenant vacates the premises during the term apart from according to any agreed break clause which is included within the agreement the tenant will remain liable to pay the rent and any other monies payable under this agreement until the term expires; or the premises are relet whichever is earlier.In addition an administration charge of £400.00 (inc. VAT) will become immediately due to cover the landloard's cost of remarketing, reletting and administration costs. Please note that this early termination must be agreeable with the landlord." So it looks like they have me by the balls there. BUT Upon closer inspection I see that in the shorthold tenancy agreement I also find the following: The tenant shall pay to the Landlord or the Landlord's agent *NAME REDACTED* by way of rent the amount of £550 per half yearly by Bank Standing Order to: *NAME REDACTED*. So I am paying £550 per month, but they say per 6 months/half yearly. Am I legally only obliged to pay £550 every 6 months? Many thanks from a destitute university graduate.
  5. Hi, It's a bit of a complicated issue, but I'll try to keep it concise. It's relating to my partners BC account, for which he put his head in the sand until 2014 as he assumed PayPlan had 'sorted it all out', since starting a DMP in mid 2006. I took over the issue in 2015, helping him, as we discovered BC failed to default the account in 2006 (and where still trashing his CRA files). The journey since has been frustrating to say the least.... ...I use 'I' in this context as I have been writing the letters etc on his behalf to try to get this sorted. I have a complaint with FOS, re Barclaycard failing to default a CC account in 2006 and adding interest between 2007-2016, at times as much as 17.9% whilst on a DMP. I raised complaint with BC in Early 2016, raising with FOS 6 months later (in time), BC refused to default account, and referred me to the FOS. FOS have now stated its both out of time, ie more than 6 years ago (only by BC using this as an excuse to stop the FOS investigation), and secondly the FOS adjudicator has stated it is fair, and in BC T&C that interest can be charged after the account is cancelled, as per T&C. ...my problem is that in 2 CCA requests no terms have ever been provided, the one copy I did receive with my DSAR does not reference interest under the section number the FOS states, oh and the FOS has actually failed to include a copy of the terms they are referencing! I intend to escalate to an Ombudsman, but need a little advice beforehand. My Q is: When a credit card is cancelled, by the creditor for the cause of 'my failure to meet minimum contractual repayments' (for 5 months), does this deem the contract to be terminated and thus no longer valid. Ie can BC legally charge interest if they have withdrawn credit facilities and 'cancelled' the account? (There are internal BC notes from DSAR which state account is closed in 2006) I always thought that when closing the account, withdrawing the card and stopping PPI etc then he contract was finished and interest could not be charged. (Oh and defaulted which is my main complaint to BC, the interest being charged is the second part of the complaint as I think this falls also under unfair treatment). History below: In summary, in 2006 default notice, not complied with (was in considerable financial difficulty), received a letter from BC stopping PPI as the account was cancelled. All credit facilities were revoked. DMP with Payplan started FIVE weeks after account cancelled. Then a 2nd default notice issued, after the first DMP payment, but before DMP accepted by BC . This too expired before BC accepted DMP. For one year interest was stopped, but then failed on 2 DMP payments , only managing a partial payment for both, in 2007. (DMP temporarily failed due to bullying from another creditor to make more payments to them outside of DMP!). Interest was restarted and never stopped despite numerous letters from PayPlan request that it is stopped - all letters were ignored. Between 2007 - 2016 made regular payments, and in Sept 2016 managed to pay off the remaining balance with a small PPI Claim received from another company. Between 2006-2014 buried head in the sand assuming PayPlan were working in best interests. Also assumed BC account was defaulted, all the others out of 13 creditors were defaulted between 2006-2009. In 2014/2015 realised both that BC was not defaulted and that wouldn't be getting the interest 'refunded' upon completion of DMP ( as promised by PayPlan - unfortunately only verbally!). This is when I intervened eventually leading to this Formal complaint to BC. any advice before I reject the ajudicators decision would be great. Me_too
  6. Hello Can anyone please tell me the amount of hours a person can work a week that is not taxable? Thanks
  7. The engine in my girlfriend's van recently blew up. The mechanic who she called to come out and recover the vehicle, took a look at the damage and informed her that she would need a new engine. He also informed her that he wouldn't be able to do the work, so had given it to the 'garage A around the corner'. Quite a bit of time passed by as my girlfriend deliberated upon what course of action she was going to take. When she finally decided to get a new engine, she started to attempt to make enquiries, with garage A, to which her van had been given. Not knowing much about anything, she required a bit of information from garage A, and contacted them several times, but she was poorly received, ignored, and requests for information were not responded to. Hearing all this, I told her to get her van repaired somewhere else. Thus she made new arrangements with a more customer friendly garage. All had been arranged, or so she thought, but when the new garage B (who she had arranged to do the work after the poor customer service from the original garage A) arrived to collect her van, garage A refused to hand over the keys to the van. Although garage A hadn't done any work on the vehicle, garage A has turned around and said that they wanted £25 per day as storage fee. Whilst I know that in the absence of any written or verbal contract, whereby girlfriend consented to paying a daily storage fee, garage A doesn't have a leg to stand on, I am wondering how much of a pain in the arse dealing with this issue might be. Is this a matter for the police, whereby they simply turn up whilst my girlfriend lawfully retreives her vehicle, or is might this be a real dragged out civil matter.....civil coursts, Sheriff's Officers, etc?
  8. Hi, I pay £160 a month for 5 SKY boxes, all HD and fully loaded with packages. I consider myself to be a decent customer. 3 months ago we had a period of bad weather and 3 of my boxes lost signal. I suspect it's to do with the connection on the dish as my other boxes get a signal fine. They want £60 engineer fee per box to climb a ladder and re-connect. Granted I can get a local guy to do it but as I pay nearly £2k a year for SKY you would think they'd like to keep me happy. Are there any tactics that I can use to talk them into doing it for free? (or at least at a discount) Cheers.
  9. I have just had this brought to my attention. Just a few quick questions to answer using the from from the HMRC website. https://www.gov.uk/marriage-allowance
  10. Good Housekeeping’s seventh annual Christmas dinner survey, which sets the festive benchmark for where to buy the cheapest Christmas meal, reveals that a basket of festive food to feed eight people costs a total of £20.26 or just £2.53 per person, based on buying 11 Christmas dinner essentials*. If you can't be bothered with faffing around different supermarkets, you can get it all in one place if you don't mind paying the extra http://www.goodhousekeeping.co.uk/consumer-advice/save-money/christmas-dinner
  11. I must be getting old. Child Care costs can cost upto 164.00 a week. People borrowing off payday lenders and using credit cards to pay for this. Can you believe this.It must be like a nightmare for many. How do you manage for you out there who have to pay this charge. 2 kids more than some earn i feel.328.00. I am feeling quite sorry for those that have no choice but to pay this. You may have a decent job,studied for years,even have perhaps degrees but wiped out with these costs. It has truly shocked me how times have changed and changing now day to day across the UK As the cost of a childcare place hits £164 a week, one in four of Northern Ireland parents say they have to use credit cards or payday loans to pay for it http://www.belfasttelegraph.co.uk/news/northern-ireland/as-the-cost-of-a-childcare-place-hits-164-a-week-one-in-four-of-northern-ireland-parents-say-they-have-to-use-credit-cards-or-payday-loans-to-pay-for-it-34180903.html
  12. Rather than face the humiliation of the DWP contacting my employer with a Direct Earnings Attachment, they accepted my proposal of £100 per month direct debit repayment plan. I have been paying this for 12 months and have never missed a payment. I have just received a letter asking me to call them as they want to consider an increase in my current payment plan. Can they pressure me with the threat of a DEA through my employer again if I refuse to agree to an increase? This debt is from 1997 and I know lots of people say it, but I know I was repaying this back then, I was called in to the social security office and new claim forms showing the deduction were completed. I was still on benefits when the overpayment came to light, and remained so until 2000. I have never been out of work since. Then 2014 and the Welfare Reform bill rolled out the DWP bully methods of collecting old debts. Guilty, with no access to records to prove your Innocence. Even letters from my local MP produced no way forward to dispute the alleged debt. There is nowhere to turn for help. Can anyone here help in answer my query: Can the DW force a Direct Earnings Attachment if I refuse to increase the direct debit of £100 per month that they already extract from me?
  13. Just a quick query. My partner has been summoned by his manager and been advised that the company intends to change all contracts of employment to include a clause that everybody has to do at least 6 hours unpaid overtime per week. Everybody has been told to accept this change. Does he have to sign this new contract ?
  14. This is simply awful and if other local authorites follows the poor example of London Borough of Islington it will be appalling. http://www.thisismoney.co.uk/money/cars/article-3124279/Is-start-diesel-tax-Islington-charges-extra-96-today.html
  15. came across this re a related googly. please sign if interested. closes 30 march http://epetitions.direct.gov.uk/petitions/67911 re http://www.getreading.co.uk/news/local-news/purley-cyclists-deaths-lead-parliamentary-8054571
  16. Hi, My girlfriend and I pay for a service each month and by an oversight, we paid last month's bill a week late. This month we have had a late payment fee added to the bill. The late payment fee is calculated at 1% interest per day on the sum owed after 7 days. (Sorry for not giving more detail about the service but the company is a bit vindictive and we need the service) Having spoken to the CAB we know that it all depends on the contract we have with them (we've been there for a long time so can't find the original contract right now) but wondering what others think about this in terms of 'fairness'.....1% interest per day after just 7 days.
  17. Hello, this is my first ever post!!!! I am looking to clarify some information i have heard please if anyone can help. I got into and am still in a big financial mess due to long term ill health and not being able to work. I had 13 credit cards and 4 bank accounts that all defaulted about 2 years ago. They are with all the main institutions... Halifax, RBS, MBNA , Barclaycard, HSBC etc. I have standing orders set up paying them all £1 per month, as advised by the debt charities i spoke to. All have frozen interest and charges, and have not sold on the debt due to my ill health. This is what i want clarity on please: 1. After 6 years, I understand all info relating to those cards disappears from my CRA files, but what happens to any debt still left unpaid? Does this just get written off? Clearly at the rate of £1 per month, in 6 years, only £72 will have been paid off of each card! 2. is it a good idea to continue paying £1 per month for all this time? Thanks you all in advance.
  18. Millions of pensioners are likely to join a rush to invest in new Pensioner Bonds after the Chancellor announced that they would pay 4 per cent interest over three years. George Osborne announced the bonds will have the “best available interest rates”, saying they would provide “certainty and comfort” for over 65s. One year bonds will pay an annual interest rate of 2.8 per cent, while three year bonds will pay 4 per cent. The new bonds are expected to sell out within weeks when they are released in January. http://www.telegraph.co.uk/news/politics/11290450/Pensioner-bonds-to-pay-4-per-cent-rate-announces-George-Osborne.html The new Bonds at a glance What are the Bonds? Lump sum investments providing capital growth Choice of terms – 1-year and 3-year Designed to be held for whole term, but can be cashed in early with a penalty equivalent to 90 days’ interest When do they go on sale? January 2015 – exact date to be announced Available for a limited period Who can invest? Anyone aged 65 or over Invest by yourself or jointly with one other person aged 65 or over How much can I invest? Minimum for each investment £500 Maximum per person per Issue of each term £10,000 What about interest? 1-year Bond 2.80% gross/AER* 3-year Bond 4.00% gross/AER* Fixed rates, guaranteed for the whole term Interest added on each anniversary The tax position Interest taxable and paid net (with basic rate tax taken off) Higher and additional rate taxpayers will need to declare their interest to HM Revenue & Customs (HMRC) and pay the extra tax due Non taxpayers, and those eligible to have any of their interest taxed at the new 0% rate (which starts from April 2015), can claim back the tax from HMRC Sorry, we’re not currently part of the R85 scheme so we can’t pay the interest gross on these Bonds *Gross is the taxable rate of interest before the deduction of UK Income Tax. AER (Annual Equivalent Rate) is a notional rate that illustrates what the annual rate of interest would be if the interest was compounded each time it was paid. Where interest is paid annually, the quoted rate and AER are the same.
  19. Hi Everyone, I am on Income Support and receiving Child Benefit and Child Tax Credit for my 19 years old son, he will be 20 years old in January, I was told by both CB and CT that my son can receive those as he is under 20 years old and is a full time student, he has just enrol for his new course and I am wondering what hours does the Housing Benefit class as full time studying! I have the papers for proof for his studying from his College, they have put on the start date and end date for the course! which is Sept 2013 until 26/6/2014 start from 9-00am to 5-00pm! I have already rang my local authority and will take the hard copy to them as they suggested because the would not accept a photo copy that is no problem, but I am now very worried after seeing a thread on here very recently about someone studying for their course and could not take exam all day as they were classed as not available for work, I do not want my son being hassle by either the DWP or Ingeus he is studying hard at the moment and wants to go straight to work once he finishes his study, I am also helping him to look for Apprenticeship job whilst he is studying! Can someone please tell me how many hours does the Housing Benefit class as full time studying??? Thanks in advance! helen
  20. Dear forum members, I wanted to share my experience with Talk Talk and also would appreciate an advice. At the end of August 2013 I subscribed, as a new customer, to a phone + broadband package with Talk Talk. The price was interesting and they seemed to be the only ones providing a broadband service for our new house. The phone line was activated but the broadband never worked. After several weeks of speaking to the customer service (a total of several hours over chat, phone and email) I preferred to cancel the subscription as per T&Cs. This lack of service was costing us money as we work from home. When the package was finally cancelled (after almost 1 hour over the phone) they confirmed that: - the line would be officially disconnected on 09 October 2013; - they would refund the Value Line Rental (rental paid for 1 year in advance) which is a bit more than 100 GBP. We are on 19 December and they haven't refunded yet. I have contacted them quite several times and the only response I have is that indeed they should refund but they haven't done it. It seems that they were more interested in their cash flow than in the customer experience... Today I have replied to them and let them know that it was the last time I would log a complaint to their customer service; I have requested a positive response including confirmation of refund processed and date of transaction, within the next 24 hours, after that I would move to further action. Do you think I should still send a 'letter before action', or can I open a small claim now (as I have complained so many times and have written responses). Thanks in advance.
  21. If you think that you may be overpaying for your broadband, digital TV or home phone there has never been a better time to switch and save. Providers are slashing their prices with some of the deepest discounting ever. However, many households overpay without thinking about switching providers, despite the increased cost of living. Research by Simplifydigital, an Ofcom accredited comparison service for TV, broadband and phone deals and the provider of the Telegraph Digital Savings Service, shows that 80pc of customers could save money by bundling together their services from a single provider. The research also showed that the top 20pc of these customers save an average of £395 per year simply by switching to better value bundle deals. This month the potential savings are likely to be even higher as a result of the discounts on offer with suppliers such as TalkTalk and Sky offering discounted introductory periods. Despite the savings, many people are put off moving to a better deal because of the perceived hassle of switching. The packages vary widely between the providers and finding the right deal can be tricky. To help Telegraph readers to find the best deal for their household, we have set up the Telegraph Digital Savings Service. Our experts will review more than 6,000 deals from the leading UK providers to match your needs to the best deal available. More: http://www.telegraph.co.uk/financialservices/utilities/compare-TV-phone-broadband/9490340/Get-broadband-from-3.25-per-month.html
  22. Lets say this is an hypothetical question. I work in a care home, all care assistants are on the same pay per hour £6.08, as far as I know. We are all NVQ2,and all do the same job. What if it was known that 2 members of staff are on more per hour, namely £6.50, these 2 are what we would call the managers favourites. Lets say a document was accidentally read by a another staff member in the managers office, while they were speaking to them there, which stated certain staff and how much per hour beside their names. I do not think anything is mentioned in our contracts about performance related pay rises. If say this were true, that certain members of staff were paid more than others,what would the implications, legalities be,would it be allowed, or fellow workers have a right to question this, but only if there was definite proof.
  23. Reading the advice about non-priority debts and what you should offer those creditors... it says, You cannot split your surplus, between credit cards, and then pay a loan.. (basically).. however, what do you do in the case of a joint loan?
  24. NatWest is launching a new 90 per cent LTV first-time buyer mortgage tomorrow with a five year fixed rate. The mortgage comes at an initial rate of 4.79 per cent with no product fee and is available to all intermediaries. At the end of the initial rate period, the rate reverts to 4 per cent. More; http://www.mortgagestrategy.co.uk/latest-news/natwest-to-launch-new-90-per-cent-first-time-buyer-ltv-mortgage/1056053.article
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