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A total of 1.4 million people in the UK have only made the minimum repayments on their credit cards for three years in a row, the City regulator has said. The profits made from these customers mean credit card firms do little to address persistent debt, the Financial Conduct Authority (FCA) said. Nearly half of them have borrowed more than 90% of their credit limit consistently for three years. Lenders have now agreed to help with warnings about growing debt. In its final report on the UK credit card market, the regulator said: "Credit cards are suited to short term borrowing and can be an expensive way to borrow large amounts over a long period. We are concerned about the volume of borrowing behaviour that does not fit this pattern. http://www.bbc.co.uk/news/business-36892843
Persistent offenders and PCN's... News! Parking fine evaders to have cars impounded! OUCH A news story from my local paper yesterday (16/06/2016)! >> http://www.echo-news.co.uk/news/local_news/14557958.Parking_fine_evaders_to_have_cars_impounded/ 'SCOFFLAWS who serially evade parking fines now risk having their cars towed and impounded under a council crackdown.' 'Government legislation, which the council is now taking advantage of, allows the authority to issue a further PSN and arrange for the car to be removed to a secure pound where the owner will have to pay a £105 removal fee and £12-day storage charge. Transport councillor Tony Cox said the policy will eventually be extended to include cars driving dangerously or causing an obstruction.' 'Other authorities to make use of the legislation include Birmingham City Council, Manchester City Council, and London boroughs such as Brent, Hounslow, Tower Hamlets, Newham and Camden'. Question time: Will this allow my LA to :- (A) Continue with the enforcement for the outstanding debt and (B) Add the enforcement fees (TCE) then © Add to (B) further new fees of £105 and the £12 storage fee to the debt if they also seize the vehicle of the persistent evader (D) How could this affect other LA's if they take the same stance as my LA My reading of this is: If a PCN is sent for enforcement via the TEC the LA can charge the normal fees regarding this debt (£75/£235) Then if the LA find the vehicle wherever, they can now seize this vehicle and add a further £105 + £12 a day storage as well as the normal enforcement procedure... Not sure what a PSN is?
http://www.telegraph.co.uk/finance/personalfinance/household-bills/11276730/T-Mobile-prove-you-suffer-blackspots-seven-times-a-day-for-refund.html http://www.dailymail.co.uk/news/article-2863122/Out-touch-Vodaphone-tells-customers-lose-mobile-signal-THREE-DAYS-pay-compensation.html If you're suffering network issues the two articles above are quite helpful in explaining how you can go about requesting compensation. If you're suffering network issues, then make sure you read through the terms and conditions on your contract before you request compensation, and as the article suggests you should attempt to compile as much evidence as possible when doing so. Taking snapshots of your mobile phone screen to show a lack of network coverage is strong supporting evidence for example. Remember - it's no good suffering from no signal for months before you report the issue to your provider. In many cases, if after you've reported the issue to your operator on several occasions and they haven't rectified the issue then you can actually seek to cancel your contract as per the operators own Terms and Conditions.
Another from Scoop where a bailiff/EA has been threatened, this time with a gun: .http://www.getsurrey.co.uk/news/surrey-news/man-released-bail-after-bailiffs-7929055 It seems that more people are unhappy with the Enforcement industry, and is this a growing trend Thoughts?