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  1. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  2. Hi, new to the forum, thanks in advance. The PCN came though the post, ANPR capture, no ticket. Date of infringement 08/12/2018. NTK was issued on 12/12/2019 for £60. I've been working away, so effectively ignored it. I received a Keeper Liability Notice on 16/01/2019 but I was still away and have just returned and opened it (28/01/2019). Schedule 4 Protections of freedoms Act is mentioned. I have made no contact with them. The parking company is HX Carpark Management Ltd The car park address is Vulcans Lane Car Park, Vulcans Lane, Workington, Cumbria CA14 2BP They oper
  3. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  4. Hi, I've been with Brightside Car Insurance for last two years, however my auto renewal wasn't a great price but I was away working and I totally forgot to cancel in time & it was renewed. Luckily I got back within the 14 day cooling off period and called to cancel and asked how much I would be refunded from the first monthly payment taken via Direct Debit (£60)..I realised I would be charged the £25 cancellation fee & for number of days cover provided. The advisor said he could only cancel the policy and was unable to confirm the refund amount & I would have to ca
  5. Hello, I've received a notice to keeper today for exceeding the maximum period allowed by 17 minutes. Although I was driving the car, I was not the keeper as it's my fiancé's (so the letter was addressed to her but I won't let suffer for it) My initial reaction was to ignore it but I decided to play it safe and ask for guidance. Thank you in advance. 1 Date of the infringement 11/02/19 2 Date on the NTK 18/02/19 3 Date received 20/02/19 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Y 5 Is there any photographic evidence of the eve
  6. Hi, I entered the Damside Street Car Park in Lancaster on 09/09 2018 at 11:57:47 with a 5 years old daughter in distress. While my partner took care of her I had to go around to find a place where to change money because I didn't have enough loose change to pay for a parking ticket at the ticket machine. Therefore I bought a parking ticket valid for 1 hour at 12:10 (just over two minutes after the 10 minute grace period finished). I left the car park at 12:13:02. In total, I stayed there for less than 16 minutes but purchased a ticket allowing me to stay for 1 hour (plus the 1
  7. Hi Needing some advice and guidance, will keep this to the point and hopefully someone can help, It was a 40th treat for myself which makes it even worse for me. Viewed a vehicle on 04/11/18, at a Lookers dealer in Carlisle, 70+ miles from our home address, Paid full screen price, £12,500, paid £8000 on debit card and £4500 on finance, asked for a few cosmetic repair's to carried out as well as serviced, mot'd and fully valeted. Got train back to dealer on 17/11/18 with wife and kids to collect vehicle, only thing was it hadn't been cleaned at all well apart from that happy wi
  8. Completely out of the blue Arrow Global have sent me a 'Periodic Statement' in relation to and old MBNA credit card account that they purchased (or so they say) in 2011. This is the 1st communication I have had from them in years! This debt is no longer showing on my CF and it's SB mid 2019. They say I need to contact Capquest which will explain why I've been receiving texts from Capquest. Has anyone on here had the same happen to them and can anyone explain why Arrow have decided to send me this now? Many thanks Fred
  9. Hello Guys, I'm new here and any help would be greatly appreciated. Over the past 2 years i have received around 35 parking tickets from UKPC, the majority of which have been issued in my work place office car park. So far i have not replied and ignored any correspondence from UKPC and their debt collection agency. Previously they have been sending all 'debt' letters separately but in July 2018 the debt collection agency have issued me with a letter accumulating the full amount (£5000+) and stating 35 tickets have been issued and that if i don't reply by 08/08/18 they will info
  10. If a contract states there is no notice due during a probationary period does this mean the employee can just tell HR they're going and leave there and then. Everywhere I look to check I'm finding a statutory period of one week - does this only apply to the employer? The employee is three months into a six month probationary period and has been head hunted. They wouldn't dream of just walking out under normal circumstances but their line manager will make their life a misery during any notice period.
  11. Unsure if I am in the right section to ask this question so apologies if I am not. My daughter is currently on a hairdressing apprenticeship with a local salon and will have been there 2 years in May. She has qualified for level 2 Hairdressing and should be going on to do the level 3 as a designer in the salon. A couple of weeks ago the owner of the salon took her to one side and advised there were no designer places available and she needed to have a think about her options whilst she was off the following week. He didn't advise her what her options were and gave her no indic
  12. Hi, I gave my company 2 months notice as per contract, this was on the 1st feb, I have just received a letter that are suggesting I finish my employment on 13th Feb... Is this allowed? I had planned for the 2 month notice period and this has thrown me.. Many Thanks
  13. We have had numerous issues with a caravan purchased from a dealership in less than a year we have had approximately 44 issues with the caravan with several issues being serious. Four of the issues resulted in the front and rear panels being repaired and then replaced. The advice I got from a lawyer was as follows; Although I appreciate you approached XXX Caravans to supply you the caravan, as you took out a hire purchase agreement with Black Horse, they are the retailer of the caravan. T herefore any rights you have under consumer law are to be exercised against B
  14. Been in a rental property for the past six years on a yearly lease basis. We normally get given a new lease to sign every April but last year landlord didn't give us one so we've been without ever since. Does this affect the notice we need to give the landlord as we are planning to move out this summer? Also what notice is normal? I ask because I can't see anything in our previous leases that says anything about notice periods.
  15. Hello I am in receipt of CB ESA with the support component having been migrated from Incapacity Benefit several years ago. I also receive DLA High Rate Mobility and High Rate Care. I had no entitlement to Income Related benefits as partner was in full time employment. New scenario - Partner has to leave employment due to chronic lung condition. We ask at Jobcentre how and who should claim. Were told partner should make separate claim for ESA which he did. Was placed in support group without a medical. When he asked for housing costs (SMI) to b
  16. This is questionable, Some work coaches are saying the above whilst others claim they can use their own discretion , really that isn't what the DWP's official guidance says about EPS As someone who is very sceptical of the establishment & DWP Sounds like someone was in la la land or stoned maybe, or is there something more sinister at foot , why do this , to cause confusion for fun ? or are they testing the waters, to see how much opposition they meet, before they scrap eps , ? https://www.gov.uk/government/uploads/system/uploads/attachment_data/file
  17. Hello Friends, I have gotten into this trouble with Virgin-Media. My contract was for 18 months and a few days before the end of contract I called them to say that am not interested in continuing. I was able to get to speak to one of the customer care after a long wait and she then wanted to transfer me to yet another team for this. I said I will not wait any longer and as I have informed the customer care , whoever picked-up, it is their internal matter how they process my request. They have now come back with tall bills saying that my disconnection was not done and that I wil
  18. I am mightily confused. I have been signing on for 12 months, at the start of my claim I signed a claimant commitment stating I will do X number of steps each week to find work, IE look in papers, ask family and friends, use UJM etc. I completed my job search online and always filled in my activity history on UJM, ensuring I recorded X number of steps as required in my claimant commitment. Part way through the year I was told not to use UJM instead I was given a paper template to fill that stated I must do 35 hours job search per week, this had a section to fill stating the tim
  19. Hi can anyone help. Relative starts job on 8th February with 6 months probation which by her calculation takes her probationary period to 6th August. She assumed after 6th August she had successfully completed her probation. She was informed around 18th August that she had got it wrong and that her probation would conclude at the end of this month. Last week they advised her that they would like a further 1 month extension to assess her. No letter explaining what she needs to do to improve nothing. Her contract only states that she will have an increase in salary at the end o
  20. I came from EU to London in November last year, 2015 and i was working as self employed for 1.5 months in that year. I was waiter through an agency working for minimal wage, now i am employed already but I am concerned about those several weeks that i worked as self employed last year, i haven't submitted any documents about the salaries i received and i don't know if i should and what documents i need to have, i don't have all of my pay slips either. Today I was in the agency that i worked for to ask these questions, and they told me not to worry about that, sinc
  21. Good afternoon all, I'm hoping someone can help with regard to a housing benefit issue. I am currently employed by the NHS but have been off sick with a serious condition for quite some time. I believed I would get sick pay for 6 months and until recently I did get a flat wage. However, when I checked my pay last month I had only received £41. I called payroll to investigate. They advised that due to an audit, they had discovered they had been overpaying me and that my sick pay should have stopped in January! (My length of service meant I should have got full pay for 2 months and then hal
  22. Hello Everyone, I recommended a friend to buy a SIM only contract from the same mobile company I am using to have more data on less price. She called the mobile company and took a SIM only contract. Unfortunately the service of this particular network is very bad in her home area and she only gets 1 point on Signals bar, which make it very difficult to make and receive calls or use the 4G service for internet. Following is the contract details. Order: 11/04/2016 Post Date: 12/04/2016 SIM Arrived: 13/04/2016 Contract Start: 13/04/2016 She called the network provid
  23. I wanted to know what the new rules are with regards to withdrawing consent for the WP to share your info/contact people on your behalf/claim their fat payment for my hard work when I get a job .. as I am sure I read it had changed since last year, also coincidentally each time I attend a review meeting I get loads of spammy job/credit emails in the weeks after which seems a little timely!! Am getting increasingly fed up with the WP provider, by and large I have had a year of having to attend weekly job clubs with slow computers and the like but since I hit the year mark it seems to have
  24. Could some expert on here have a look at the attached Secured Loan Agreement and kindly assist in the following questions. APR clearly states 20.10% but Monthly interest is 1.35 %. Surely it should be 16.20% ? If incorrect would this affect the enforceability of the agreement ? Mortgage Indemnity fee charged on a secured loan below £25k - Is that correct ? The loan is secured on my property by way of a charge, not by a mortgage / 2nd mortgage ? Also Welcome have not provided a signed agreement that was dated by them. When would the 7 day cooling off period start from ?
  25. hi there, I need some advice as I am now going out of my mind. On Thursday 14th January 2016 I took out a contract with Vodafone pay monthly for an iPhone 6s in Rose Gold 16gb I received an order acknowledgement but no further information. I then called on 15th January 2016 to find out what was going on with the order. After being passed around at least 6 different departments and often without being told and just being put on hold I got through to a very helpful sales advisor. This advisor took it upon himself to cancel my original order placed on the 14th and place a new order wi
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