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  1. Hi, I've been looking at reclaiming PPI from a 2002 loan I got to buy musical equiptment. After being messed around claiming they couldn't find my account details I SAR'd my bank at the time and sifted through 1000+ pages of documentation in order to find my agreement number, 160 days after the initial SAR request I was eventually supplied my account detals. Long story short it was single payment / front loaded PPI payment. I did however run into difficulties paying the account and it was "written off (term as per transaction description) / defaulted at £520 in 31/07/2003. What I've since learned was that this debt was sold off to 1st Credit DCA, who subsequently persued me (and me simply not knowing any better thinking I was simply settling one of many debts I had from my younger years) I made an initial £26 payment on 31/05/2006 as a token of my eventual desire to pay said debt completely. I WAS AT NO POINT AWARE THIS WAS ACTUALLY THE BLACKHORSE ACCOUNT The following day (01/06/2006) while continuing to settle debts I called Black Horse and made what i was to believe was the final £520.85 payment.due on the old loan. After saving for a few months more I then contacted 1st Credit and paid the rest of the £525 debt they asked for. It has now come to light while I've checking old bank statements that Black Horse accepted the final settlment from me while actually not owning the debt having it been sold on to 1st Credit. Where do I stand in Scotland with regards timeframe to claim the full £525 payment from either party? Any advice would be appreciated
  2. This is sad, he was a great actor. 82 isn't a bad innings I suppose. https://www.theguardian.com/film/2019/feb/08/albert-finney-dies-film-tom-jones-orient-express-millers-crossing
  3. Hello all Just looking for a bit of advice please. I own and live in a house which I bought in 2003 on a 25 year mortgage. Since that time I have been paying a tiny ground rent (it’s about £4 semi-annually) to a property management company. I have received an inheritance recently and decided I would try to find out how much it would cost to obtain the freehold on the land my house is built on and how long is left on the lease. This weekend I sent two separate enquiry emails to the property management firm. The first reply I received contained a letter saying they want £90 to provide a quote for buying the freehold. I had only just recovered from the fee they are wanting to send a couple of emails when they responded to my second letter stating that they want £210 to look for the leasehold document to send me a copy from their archives, which they will refund 50% of if they can’t locate it! So they want £210 to answer a question and £105 not to! Does anyone have any suggestions on how I ought to proceed? Many thanks.
  4. ASG installed a boiler in 2014. Had a few problems and ASG staff 'talked us through' on the phone fixing them ourselves while we pay for 'unlimited call outs, repair etc... The boiler stopped working all together a year ago. An engineer came and replaced a part. ASG demanded that we have a power flush carried out (at our expense) as apparently the fault was because of debris...We had to do this or ASG said the warranty would be void. A power flush does not need to be done more than, at most, every 5 years. This year, the boiler stopped again just after the yearly service (!?). A Viessmann engineer came, replaced the same part as last year because of so-called debris. We then received an invoice for £232 for the repair! ASG indicates that the repair and call-out is not part of the warranty. ASG has now sent us a recorded delivery 'final demand'. They will not answer my emails requesting justifications for the bill. The Agreement states quite clearly that ASG is responsible for the maintenance of the boiler including all repairs and replacement parts. I managed to talk to someone on the phone who just kept on repeating, you have our final demand. I inquired about why the filter does not catch the debris and was told that the cleaning of the filter (which they fitted at time of installation) is not part of the service!! ASG are rude, customer service is non-existent. They install, take your money every month for 14 years (!) and completely wash their hands off the terms of the Agreement. They're in this game to make money on the back of people like us who are trapped in an Agreement. Terminating the Agreement would cost us £4000! It's a complete rip-off, their advertising of 'peace of mind' is a con.
  5. Aretha died earlier today, age 76. For those who are old enough to remember, one of my favourite Aretha moments was when she sang 'Think' in The Blues Brothers film. https://www.bbc.co.uk/news/entertainment-arts-11950661
  6. hi.. bought a audi 2014 q3 for £17.300 off Arnold clack on the 18th dec.2017 ..took out one year extended warranty plus service and mot plan ...last week I put petrol in the car instead of diesel. arnold clark recovery came and took car away... phoned me and told me it was going to cost £2.200 to fix ...I got a friend who owns a garage to pick my car up he drained the tank and bleed the pipes ..put £15 of diesel in and the car is working perfect. ..now I have lost total trust in Arnold clark. ..and have asked them to give me my money back for the service and mot plan. ..been told they don't give refund... ...first mot not due till October where do I stand on this??
  7. The world became a whole lot dumber today.
  8. My son went to inspect a car in a local used dealership on my behalf as I am overseas at present. I saw the car ( VW Golf estate auto diesel 2009) advertised in Autotrader, looked clean and well looked after by pics, only 2 owners and less than 100k miles , my son went to see the car , had a good look around and went for a road test after which I spoke on the phone to him. He told me of a rattle on idle which he thought was down to exhaust issue, but the car drove perfectly other than that, under bonnet looked good and no signs of leaks or coolant problems etc. Car had been cleaned obviously and presented for sale. We decided to go for it, left a small deposit while he went off to get cash as dealer insisted on pure cash deal as we agreed on a knock down price from 2999 to 2500, my lad notice also a sticky rear door lock mechanism so the dealer knocked another 50 off. On return an hour later my lad handed over the cash and asked the dealer could he deliver it to my house which was only 2 miles up the road save getting insurance/tax etc as the car wwas going to stand on the drive for 6 weeks until my return, the dealer agreed, handed over the sales receipt and duly delivered the car. My lad followed and after 30 mins or so started to try and track down the " rattly exhaust" . He subsequently spun the lock to inspect the exhaust more closely on the offside, he then noticed a small pool of oil collecting under the car, on inspection he saw a dripping leak from the gearbox. It looked serious so he immediately called the dealer and expected at least a half resonable response considering it was only an hour or so since he had dropped the car off, the guy more or less wanted nothing to do with it and pointed out the car was bought as seen , spare or repair, my lad checked the sales receipt again and sure enough the Dealer had wrote in the margins " Spares or Repair". My lad unfortunately did not check what he was signing for as he had been engrossed in the printed T & Cs and the rattle at the time. The car when advertised did not mention " spares or repair and at no time during road test , inspection or negotiations was it mentioned or any reference to any kind of possible major fault. After a heated discussion and various insults from the dealer owner my lad the next morning took the car back with a letter rejecting the car and requesting a refund. The owner wasnt there but one of his staff refused to accept the car, the letter or the keys so my lad dropped the letter on his desk, with the keys and left the car with them, took pictures of the car at the dealers premesis, the letter and keys on their desk. As we stand now weve given the dealer 14 dyas to refund the money , next stage will be trading standards then money claim online if he still refuses. My main concern with all this is if he dumps the car on the public road, will that make me as registered owner liable for tax impingement etc.
  9. Read more: http://www.mirror.co.uk/money/household-bills/repairs-rip-shame-millions-motorists-10907702
  10. I know he's not posted for some time, but I'm afraid to say that our friend TideTurner has sadly passed away. He was the one that introduced me to this fantastic site, and I know in the past he helped many people on here. Only the longer term members will remember him. Another goodun gone too soon. RIP Tide.
  11. https://www.theguardian.com/money/2017/may/20/mobile-phone-roaming-charges-banned-europe-15-june-brexit
  12. Continued from here.... http://www.consumeractiongroup.co.uk/forum/showthread.php?398262-The-great-interest-rate-rip-off-part-9
  13. I guess there is always the telephone book? I have Yellow Pages and a local directory delivered every year. For the full story :- http://www.mirror.co.uk/money/great-118-rip-could-end-10410058
  14. Hello - 5 months ago I had a new composite door / frame set fitted by a supposedly reputable company . Long story short they made a terrible mess and the door was faulty , damaged and the fitters damaged the door and my property whilst fitting .They also took my old door and frame away as they had to smash it out trying to get it out . I never signed the job off and complained straight away . The company sent the 'fitting company' manager to assess the door and he agreed it was terrible and verbally said that we would get a new door and fittings ( that were also damaged ) but not a frame . I was annoyed about this as they come as a factory calibrated set and also the removal of the frames would cause damage and scratches to the frame which was not what we ordered ie a brand new door . We asked for a full replacement of the door set and that was refused .We then noticed further damage to the brickwork under the door that was just placed back and never reported to us .We have since asked for a refund / been refused and had to go the bank for section 75 claim .After legal wrangling with the bank ( suppliers of the interest free credit) the company now wants to 'cancel' the contract and says we have 30 days to get a replacement door and we have to inform them to collect the door so we will be left without our perfectly good old door - a large hole and damaged brickwork ! Do we have any rights to 'restore' us back to the way it was before the work was done - can they legally come and remove the door if they cancel the contract ? Have we any legal redress for the fact we have to get another fitter and get the damaged brickwork mended ?
  15. Newbie here, hope I am in the right place..... purchased a second hand vehicle today. It is a band C vehicle and as such I should pay £30 a year tax. Went online to purchase to be given a price of £230 , I emailed DVLA to question this and the response I received back was This vehicles CO2 emissions count was not provided when the vehicle was first registered and we are unable to ammend our records, therefore the amount payable is £230. I have responded asking why they are unable to ammend their records, they do if a vehicle changes colour, is modified or has a private plate. I am yet to get a reply. If I were to install a larger engine and as a result my VED cost would go up, I am sure as hell the records would be ammended in a flash. If I keep this vehicle for 5 years I will have to over pay £1000 to the DVLA for the sake of a thirty second entry on their records. This seems highly unfair to me so my question is this Would I be able to take the DVLA to a small claims court to rectify this situation? Do I have to overpay for three years to reach the minimum overpayment of 500 quid to do so or can I cite that they are overcharging me currently and that over the next 5 years that will result in £1000 wrongful payment and I would like to claim that £1000 in order to pay them their overcharge with it.... Sorry if that does not make sense but I am fuming. I know that a tax class can be changed and I cannot let them rip me off like this. they are basing their charge on engine size as they say they have no CO2 figure. Have just asked the vendor to send me a photo of the V5 he holds, before sending it off to DVLA. This is the first ever V5 document for this vehicle, so first registration. It clearly states the CO2 emissions level on there so can I assume that this figure was indeed recorded at first registration of this vehicle? Can I assume that what is on the V5 is also on their records? If the answer to these questions is yes then I can only assume in disbelief that they have lied to me in writing in order to extract an unlawful amount of money from me dishonestly.
  16. http://www.telegraph.co.uk/news/2017/02/01/end-rip-off-rail-fares-ticket-pricing-system-gets-overhaul/
  17. My father who is in his 70's has always been with British Gas and a few years back took out a boiler policy with them. I have just noticed they have billed him £275 for a years basic boiler policy with a service yet a lot of other company's charge less than £200 for the exact same policy. They have insisted he needs a new boiler on his last service which he's now worried about and they have applied their high pressure sales tactics and bamboozled him with all sorts of jargon and guarantees which quite frankly he doesn't understand but is too embarrassed to say no. Anyone else come across these problems with British Gas. Hopefully I can have this policy cancelled and get local tradesman in to change the boiler IF it needs done at all.
  18. There is a huge amount of misinformation regarding the forcing of entry for court fines. In the first instance, a separate warrant is not necessary and is not a requirement. For the avoidance of doubt, forced entry is permitted by the warrant itself. It is not used that often and in most cases, is used where a debtor refuses to engage with the enforcement agent. It is sadly the case that forced entry has also taken place because the debtor himself has been wrongly advised of the legal position. As an example, on Saturday, I received an enquiry where a locksmith was present. In that particular case, the debtor had paid a lot of money (approx £150) to have a statutory declaration prepared claiming that he did not own any of the goods within the house. He was told that the enforcement agent must accept this document as evidence and that he was therefore not allow to gain entry. These statutory declarations are causing a lot of problems at the moment.
  19. back in march some 1 clipped the wing mirror on my van on a country road, they barely touched, there was no marks or anything, the woman tried to blame me (even though i was stationary) i rang my insurance company, told them what happened just in case the woman rang trying to pass the blame, nothing ever came from it and no claims were ever made. renewed my insurance last month, had a call at the weekend from my insurance company saying there is going to be an increase of £900 because i havent declared a claim, i said i havent ever claimed, they said theres a claim on the motor insurance database, so i contacted old insurance, asked them to remove the claim marker and send me a letter to state there was no claim. couple hours later i get an email with a letter attached, the letter worded.. "contact with regards to your request to remove a claim. We cannot remove this as it is a notification of an accident that happened. It is a non-fault claim and for notification purpose only, if you would like to discuss this futher please contact us" where do i stand with this, the only reason i rang and told them is the fact the woman who clipped my vehcile was trying to blame me, i informed them just to cover my own back, never claimed anything, nor did the woman, no excess has been paid or anything like that!!! it seems like an absolute joke, surely this cant be for real????
  20. Major high street stores have been accused of ripping off shoppers by charging up to 10p for paper carrier bags – despite them being exempt from the new laws brought in last month. Outraged shoppers have hit out at Debenhams and House of Fraser claiming they are 'cashing in' by charging for paper bags when other high street shops offer them for free. House of Fraser has said the charge for paper bags had been introduced for 'ethical and moral' reasons, and that all proceeds would be donated to charity. However, shoppers have taken to Twitter to express their anger at the charge. Read more: http://www.dailymail.co.uk/news/article-3316789/Debenhams-House-Fraser-charge-PAPER-BAGS-Tesco-started-giving-away-free.html#ixzz3rO4sQfEX
  21. The rail watchdog is launching an investigation into “rip off” rail machines after a Telegraph investigation revealed that passengers are routinely being denied the cheapest fares. Joanna Whittington, chief executive of the Office of Rail and Road, said that research suggests one in 20*passengers were being sold rail tickets by machines that are too expensive. This means the millions of rail passengers could be potentially be paying the wrong*train*fares for journeys. An investigation by the Telegraph in 2014 found that customers were forced to pay double the required fare*as a result of machines promoting the most expensive tickets and “burying” the cheapest options. Telegraph
  22. Young woman driver's £11,500 car insurance quote almost six times value of her car A young driver was horrified when her car insurance quote was a massive £11,500 a year - nearly six times the value of her car. Naomi Bowler was stunned to be told the premium on her £1,700 Peugeot 206 would be £1107.72 a month - with a deposit of £1,923.66 - but Aviva have defended the quote. The 19-year-old used to be insured at a cost of £96 a month using black box to monitor her driving. However when Naomi, who has no claims and says she parks her car outside her home in a pleasant area, applied for insurance with Aviva after being recommended by a family friend, she was stunned to receive a five figure quote of £11,542. 'If I was going to do that I may as well just buy a new car every week - I could afford to write off a car each week. MSN
  23. Firstly, EVERY point in this review and statement here is backed up with copies of emails, court filings and recordings. So whatever WMS say in response it is true and court records reflect that. What to say about WMS? Sit back because this is a hell of a story. Well my father in law purchased a 5 star policy from them to cover his Range Rover Sport. He paid extra to have main dealer work undertaken should anything go wrong. 2 years into the agreement the engine was destroyed by an incident where was breached after an internal failure. Pretty much fatal. He tried to make a claim against this warranty. This is where our near two year battle started to get a payout on this warranty. At first it was declined because he didn’t use a Vat registered garage even though this wasn’t a requirement of the policy he took out. he was told he HAD to take it out of a main Caffyns dealer as they would not pay dealer pricing even though he paid for the 5 star warranty which included this. After 3 months we finally got them to agree to get an engineer to inspect the vehicle. They used ACE, a company they have used on numerous occasions and who does work under contract for WMS. Not surprisingly they decline the claim. Firstly they claimed low oil. Then aerated oil. Because it was oil related they said they would not pay out. At this point we were dealing with the MD directly. Worth noting the mechanic found 4 litres of oil in a 5 litre sump AFTER the engine failed. He also found ZERO warning lights and zero fault codes meaning there could have been ZERO notice. The failure happened at 70 MPH on a dual carriageway. Obviously unhappy We asked to appeal. At first WMS did not have a clue what they are doing. In fact pretty much throughout despite numerous requests they never once supplied me with a formal complaints for appeal process. Eventually they agreed we could get another engineer to comment. We did and they found that this was not oil related. We submitted the report to WMS who then asked a senior engineer at ACE to reply (he had and has never seen the car). He stood by ACE findings even though the report from DEKRA picked apart the claims. Claim was declined again. During this time we were accused of riving the car to destruction, low oil and not servicing the vehicle correctly by Mr. Collingswood who always had a reason to not want to pay out. We instructed a further engineer MET who also found that this was not oil related and not wear and tear. Report submitted to WMS and again ACE response via an engineer who had never seen the vehicle. The claim rejection was upheld. Again we asked to appeal. Again WMS had no idea of what their own policy or procedure for this was which was even more worrying as we were dealing directly with the company MD. Also over this time as I was helping my father in law, the MD called my employer and the police on me (I was sending him regular emails which in his eyes was harassment). My employer wasn’t bothered and the police said it was a civil matter. These bullying tactics were prevalent throughout – blocking email accounts so we couldn’t contact then, legal threats, insults (he accused me of having “special needs” in one email) We were eventually told a joint report would need to be undertaken as the final part of the appeal but this never took place as ACE and WMS kept moving the goal posts. Eventually WMS tried to charge us £1500 for this report to take place. Which obviously we refused. Not one cost had been refunded or met. They refused to issue a formal decline letter or settle on an actual reason for decline. They blocked further email accounts so we could not speak to them and would not take our calls. As this was not a FCA agreement we could not go to the Ombudsman and had zero come back. Over the course of this period we exchanged hundreds of emails and calls with WMS, put forward evidence and tried to reach solution until they cut off all ties with us. The MD, Claims Manager and everyone else had ZERO interest in paying out our helping us. Most people would have walked away. We took the case to the small claims court. It took over a year. 3 appearances in a court room. And literally thousands of pages of emails, notes and work. WMS hired a firm of local solicitors at great cost (the solicitor costs would have been at least 3 times what the final settlement and claim was if not more). They even hired a barrister to represent them in court (at probably several £100 an hour). At every turn they tried to out spend, out muscle and threaten and scare us off. They failed. After MUCH work and a whole day in court, a year later we won a judgment and pay out. WMS lost. And decisively at that. The judge ruled that this was NOT lack of oil, was NOT caused by not maintaining the vehicle, was NOT due to the vehicle being driven to destruction and was NOT caused by anything we could have foreseen. It was a mechanical failure and therefore the policy should have paid out. The judge dismissed the ACE engineer and his report, the opinions of the MD and awarded my father in law a settlement of just under the small claims limit. In short we won, we beat WMS and they had to pay out because they declined a claim for no just or reasonable reason. Again WMS Lost in court. The judge found that the excuses of low oil, wear and tear, oil related failure were all rubbish. It was a mechanical failure pure and simple. My father in-law still lost money – hire car charges not covered, loss of wages etc. (not to mention the cost of the worthless warranty) - but the money paid for the engineers, experts and the replacement of the engine which he funded himself out of his own money. WMS tried to bully us. Scare us. Threaten us. All so they didn’t have to pay out on what was a valid claim. If we lost we would have been liable for several thousand pounds in costs, court fees and expert fees. It was a risk but we were in the right and knew it form the off. They tried to spend more, use their solicitors to try to scare us off. Didn't work. The message here is simple: DO NOT USE WMS. Don't even think about it. Move on. Read forums and other review sites other than Reevoo (see below) They are a terrible company who use under handed tactics and bullying to avoid paying out. There MD is not above using underhanded tactics to scare you off – from calling employers, to the police and lying to both. If you do not have a FAC regulated agreement you have NO legal come back unless you are willing to go to court and risk losing. Again AVOID WMS like the plague. There warranty is not worth the paper its printed on. Checked out the Revoo score on their website ? 96% This is ONLY from people they have paid out to (read the small print) and does not reflect the real feedback that is all over the net. WMS do NOT payout. The warranty is worthless. More over the company are morally dubious in their tactics and way they treat customers. There is no external or formal appeal and if the MD doesn't like you he will try to ruin your life as well as take money from you. The company are a shambles. They have no idea of their own process. We are free of WMS now and their tactics after near two years hard work. Please don't put yourself in this position. AVOID WMS AT ALL COSTS.
  24. Hi and thank you for reading my concern with Scottish Power I have recently come to the end of my 12 mth fixed term contract and found a cheaper supplier when i informed scottish power they took an extra £60 from my account for the last months payment and then informed me I was £258 in debt even though over the last 10 months they had reduced my payment by £15 I informed them I was £150 worse off because of them and they have offered me £60 off my debt because `i managed to cancel my DD before they could get their hands on the final amount.. .Good job really as I pointed out they would of taken £389 form my a/c in one month is this right ???? Many Many Thanks For all your very kind help with this worrying situation Kind Regards
  25. British Labour Party member of parliament Jo Cox is in a "critical condition" after an attack, broadcaster Sky News reported on Thursday, citing sources from her political party. It is said the MP intervened in a row between two men when she was shot. "There was a guy who was being very brave and another guy with a white baseball cap who he was trying to control and the man in the baseball cap suddenly pulled a gun from his bag." After a brief scuffle, he said the man stepped back and the MP became involved. He said: "He was fighting with her and wrestling with her and then the gun went off twice and then she fell between two cars and I came and saw her on the floor." http://www.independent.co.uk/news/uk/crime/jo-cox-shot-live-latest-news-updates-birstall-shooting-stabbing-labour-mp-west-yorkshire-a7085561.html Labour MP Jo Cox shot and stabbed by attacker 'shouting Britain First' – live updates http://ibt.uk/A6ZLv
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