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  1. Britain’s banks face the threat of a huge new PPI bill that could add billions of pounds to the £30bn already paid out in compensation, following a court ruling lauded by claims management companies as “hugely significant”. The case opens the door to a renewed claims bonanza as it suggests that even if the PPI policy was not mis-sold, the buyer may still be able to reclaim because the scale of the commissions paid were excessively high. While the ruling does not mean any more cash for people who have already received compensation, it may allow cases that have been rejected to be re
  2. Britain’s banks face the threat of a huge new PPI bill that could add billions of pounds to the £30bn already paid out in compensation, following a court ruling lauded by claims management companies as “hugely significant”. The case opens the door to a renewed claims bonanza as it suggests that even if the PPI policy was not mis-sold, the buyer may still be able to reclaim because the scale of the commissions paid were excessively high. While the ruling does not mean any more cash for people who have already received compensation, it may allow cases that have been rejected to be rec
  3. http://www.financial-ombudsman.org.uk/publications/ombudsman-news/144/144.html 144/3 – Mr A complains that his home insurance is too expensive Mr A, in his eighties, had been living with dementia for a few years. He didn’t use a computer, and his wife, who’d always taken care of the home expenses, had died about seven years before. So after this he’d asked the insurer to send things to him by post. Mr A’s nephew got in touch with us when helping his uncle out with his household finances. He’d noticed the home insurance for his uncle’s two-bedroom terraced home was £1,400. He’d foun
  4. Good evening all, I'm after some advice regarding changes my employer has made to my working day. Following the ruling in 2015 regarding travel to work time for mobile workers being counted as "working time", my employer has brought in changes at work from the beginning of this month. I work in the utilities industry, and my job involves me travelling around from site to site carrying out my duties. These sites include both company assets and customer properties. At the end of the working day, it is required that I return to my base location. Up until now, my wo
  5. I think this is the right place for this. Please move if not. http://www.independent.co.uk/news/education/education-news/pay-deductions-teachers-supreme-court-ruling-strike-precedent-a7753991.html
  6. To put it bluntly Councils have been saying to people faced with homelessness that you will have the same issues as the street homeless have now so are not more vulnerable. Also because you have these issues before you become homeless there will be no risk soi we do not have to help you. Judge says [naughty word]! http://nearlylegal.co.uk/blog/2015/05/vulnerability-a-fresh-start/
  7. http://www.bbc.co.uk/news/business-36845617 This Supreme court ruling will affect how Insurers deal with claims where Policyholders have been found to have told lies. " Lying on an insurance claim should not necessarily invalidate it, the Supreme Court has said, in a judgement likely to affect all household policies.It said collateral lies - which are untrue, but do not affect the validity of the claim - can be acceptable. The judges voted by four to one to change one of the important principles behind current insurance law. The insurance industry called it a "blow for hone
  8. Hi everyone, I'd be grateful for any advice you can offer: Plusnet offered terrible service so I reported them to CISAS. CISAS ruled that a) plusnet had to pay us £250, b) get our services working and c) if we decided to leave were not to charge us for any outstanding contract charges. We did decide to leave and in Dec 2015 I received an email informing me I needed to pay a final bill including outstanding contract charges. I responded asking for an itemised bill by post, and pointed out that they were instructed to not charge me for outstanding contract charges. I never received
  9. ASA Ruling on Guardian Recovery Ltd Guardian Recovery Ltd 4 Tustin Court Port Way Preston PR2 2YQ Date: 30 December 2015 Media: Facsimile, Internet (on own site) Sector: Financial Number of complaints: 1 Agency: None Complaint Ref: A15-309515 Background Summary of Council decision: Two issues were investigated, both of which were Upheld. Ad Two ads for Guardian Recovery Ltd, a debt collection agency: a. A fax received on 28 August 2014 stated "We will collect: overdue accounts, bounced cheques, bad debts. We will: enforce County Court Judgments,
  10. Banks could face even bigger bills for mis-selling Payment Protection Insurance after the City watchdog said it was considering new rules following a landmark legal decision. In November last year, the Supreme Court said that Paragon Personal Finance, a secured loans company, had breached the Consumer Credit Act by failing to disclose that the PPI premium paid by a customer included a hefty commission fee to a credit broker. This means that even if the loan insurance was otherwise fairly sold, banks could be liable for mis-selling compensation if PPI was bought via a br
  11. Airline passengers hit with long flight delays continue to have compensation claims delayed or turned down despite a court ruling almost a year ago that was meant to have settled these once and for all. Rules state that passengers flying with an EU-based carrier or from an EU airport who reach their destination more than three hours late can claim up to €600 (£448) plus expenses, per person if the delay is within the airline’s control. Airlines can only refuse payment if the delay was the result of an “extraordinary circumstance” beyond their control and, previously, many ha
  12. in November of 2013 I had friend contacted and asked if I would purchase a computer for them as I am in the trade and get a better deal, they transferred the money to my Barclays account, I checked it was there and logged on to my supplier portal to purchase the PC. After selecting the model my friend wanted I entered my debit card details and was surprised when it was declined! I logged back onto the bank app and my account was empty, I phoned Barclays and asked what had happened and they said that there was a number of debit card transactions on my account takin
  13. ALL THE PEOPLE SUCH AS BHALL AND THE REST OF THE POSTERS ON THE SITE THAT HELPED AND OFFERED INFORMATION TO DEEDS BEING VOID THREAD PLEASE SEE http://self-realisation.com/equity/banksterbusters/summary-judgment-mortgage-deed-declared-void-in-the-high-court/ :smile:
  14. Hi I am just about ready to send my N1 form. Have completed POC but I am wondering whether I should include anything from the FOS technical notes: "This will involve the business removing the PPI premiums, any interest that was charged on the premiums and any charges (and interest on those charges) that would not have applied if the PPI had not been added to the account." Any thoughts? suvin
  15. This just in: "The Court concludes that the 'arrival time', which is used to determine the length of the delay to which passengers on a flight have been subject, corresponds to the time at which at least one of the doors of the aircraft is opened, the assumption being that, at that moment, the passengers are permitted to leave the aircraft," it said. http://uk.reuters.com/article/2014/09/04/uk-eu-airlines-ruling-idUKKBN0GZ0VE20140904
  16. British workers may be able to claim for wrongly calculated pay after European court rules on holiday earnings for employees who receive commission Companies could face crippling claims from workers for holiday pay they are owed running back years after a ruling from the European Court of Justice. The court had been considering a claim that workers who receive part of their earnings in commission should be able to have this amount taken into account when holiday pay is worked out, rather than just their basic pay. The case was brought by British Gas salesman Z.J.R. Lock against his
  17. With the new EU ruling http://www.bbc.co.uk/news/magazine-27396981 will this extend to credit reference agencies?
  18. SOURCE: http://www.equalityhumanrights.com/news/2013/june/commission-welcomes-supreme-court-ruling-on-armed-forces-and-human-rights-protection/ 19 June 2013 In a landmark judgment today (Wednesday 19 June) the Supreme Court ruled that British soldiers killed while serving in Iraq were still under UK jurisdiction and so were entitled to human rights protection to the extent that is reasonable and does not interfere with the demands of active service. Serving in the armed forces inevitably involves risks and dangers which our servicemen and women take on willingly. This ruling
  19. Hi I am new to this post. I claimed ESA in feb 2012 and went for my medical may 2012 came out with 0 points. I have severe depression and this got worse round january 2012 onwards I have 3 daughters and single before that I was working. At that time I was hiding my depression from my girls and I knew something was wrong I was getting so depressed I became suicidal but still very good at hiding it. I went to the doctors and was put on anti depressants and sent to a Mental Health Psychiatrist (emergency appt) was told I had severe depression and low mood. i received my ESA50 but as I
  20. Both myself and my husband worked for a company who went Voluntary Insolvent. We received no notice, no final months pay and no holiday pay. The Tribunal ruled in our favor. The judge ruled i was to receive 2,500 and hubby just under 2,000. We have received a small amount each for no notice ie i received 430 my husband only 187 yet he was still entitled to a weeks notice.This was from the Government. We had a horrendous time getting them to pay and the Liquidator helped me a great deal. Now we are waiting for our Holiday pay and again they are coming up with all different excuses and d
  21. http://www.telegraph.co.uk/finance/rate-swap-scandal/9639202/Barclays-in-court-over-mis-selling-claims.html
  22. ECJ Gender directive. Background. Draft Directive on Equal Treatment On 2 July 2008, under its ‘Renewed Social Agenda’, the European Commission adopted a non discrimination package including a proposal for a new directive on equal treatment. This proposal prohibits discrimination on grounds of age, disability, sexual orientation and religion or belief outside the employment sphere, in the areas of social protection, including social security and health care; education; and access to and supply of goods and services which are commercially available to the
  23. http://www.dailymail.co.uk/news/article-2213975/Tradition-selling-jam-used-jars-breaches-EU-health-safety-rules.html
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