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Found 6 results

  1. Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which
  2. First of all, thanks all for contributing to this forum, your time and efforts are highly appreciated! I have received a Final Decision (rejection) from my employer's Group Income Protection insurance (UNUM) I have asked my employer to appeal UNUM's decision through the FOS (as I am not the policyholder) but they have declined to do so and refused to send me a copy of their T&C with UNUM. I am still off sick with bipolar and anxiety disorder and my claim is roughly around 16k£ Any suggestions? I feel like my only recourse at this point is against my employer
  3. Hi Hoping to get advice regarding an issue that has taken two years to investigate but I don't know where I stand regarding my rights and any form of recourse. June 2014 Car taken in for a service. This included replacing brake pads and discs as they were worn. The day after the service I emailed the garage informing them of excessive noise from the brakes. the garage advised to run in the brakes over a few hundred miles. However the excessive brake noise persisted and it was captured over a number of recordings which was shared on youtube. July 2014 The car was returne
  4. I have not yet had to face this ordeal, but am reading a lot elsewhere about people who have, often failing initially and the decision being reversed on appeal. My question is threefold: 1. Is there any recourse against the medic who got things so wrong in the first place if an appeal scores dramatically wrong? 2. Is the small claims court an option for claiming compensation for distress, costs of working on the appeal etc...? 3. What official complaints procedure exists? Thanks in advance for any help.
  5. On 20th Sept 2011 I recieved change of codings because I started drawing a small pension (I was already drawing another pension) and I had also changed jobs, in Feb 2013 I received a P800 saying I owed approx £3800 from year 2011-12 tax so I have been disputing this saying they had all my correct details etc etc. They are now saying under ESC19A I have no recourse but I decided to ask for all my data as I was certain I had contacted them, on one of the forms I found that they issued change of codes on my pay main pay and my main pension on Sept 2011 which in effect caused them to under ta
  6. Hi All, I am hoping that someone out there can shed some light on the rights and regulations governing tenants and letting agents in the UK. In addition, if either party (in my case the letting agent) is not complying with the contract and UK governing law, what action can be taken? I am not currently looking to take formal legal action against the letting agent concerned, merely escalate the matter so that this situation can in some way be resolved without any further frustration and negativity. I can provide more details if necessary, but for the timebeing here are a few key
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