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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, My landlord is wanting to send estate agents round to value the property because he wants to put it on the market. He has not yet served me with a Section 21 notice so I have no idea when he is expecting me to vacate but I would have thought a valuation would be more realistic once the house is empty and after he can do some redecorating, etc to get it ready for selling. At the moment, we have been too stressed over searching for a new home and we have been having a mad declutter and we have half packed boxes everywhere and the housework has become less of a priority, so al
  3. The flat I live in has had a problem with the roof, which has been "kicked down the road" for the last 8 or so years, and got progressively worse, to the point where there was a partial ceiling collapse in a communal stairway, and as a result, the managing agents (HML Anderton) have finally "sprung" into action. As the roof has got progressively worse, so has the bill, and there is a shortfall of just over £5k per flat, which we have received a section 20 demand to be paid immediately, money which I cannot afford. I have paid £1k, can shove £3k on a credit card (which I am reluctant
  4. Hi guys would like some advice please and will try to make this post as short as possible. 1. In may this year the EPS light came on my Kia cee'd 09 plate. Took it to the Kia garage and was told the steering rack needed replacing which they did at a cost of £800. 2. On Monday the EPS light came back on again and on Tuesday I took it back to the Kia garage. Wednesday I got a phone call to say the steering column now needed replacing at a cost of £1800 plus vat. I told them to not do anything and I would collect the car. 3. When I got there I asked if the problem in may was actual
  5. Ok, so this is a bit of a long story so I'll try and keep it as short as possible, I'm no legal expert at all. I moved into my new property August 2017, I moved from a previous address which everyone involved knew about. Now where I live is Freehold, but I have a management company who cut the grass etc in the local park, which I have to pay for yearly......I had not received an invoice at all, so I just presumed I would get one yearly one. Now I was in the area of my previous property and it turns out the management company have been invoicing my previous address to demand p
  6. Hello. In late 2017 I was given a ccj from a short term/ payday loan company. I rolled over the loan once and it stood at just over 600, its now at 750 as a ccj When I got the loan I was quite unwell, unable to afford it and suffering from Paranoid schizophrenia, andxiety and depression, unable to work due to my illness. Just before the CCJ was in court I was unable to go to court as I was under section in hospital receiving treatment for a severe attack, I could not of known I had received a court date or have went to it to challenge it, I did however get someone later after
  7. Seeking some clarification from a legally knowledgeable or experienced person. In the case of breach of contract under the CRA one is entitled to bring an action via the small claims track. If the purchase qualifies; you are also entitled to claim against the Issuing Bank of the Credit Card under Section 75. So, assuming that one has launched down both routes, is it then 'first past the post' as it were? Say, for example, the Bank complies and pays out. I assume they would then claim or have title to the faulty goods. (Is that the case?). What would then be the s
  8. I really don't understand this section of the ACT 19 Worker subjected to detriment by co-worker or agent of employer “(1A)A worker (“W”) has the right not to be subjected to any detriment by any act, or any deliberate failure to act, done— (b)by an agent of W’s employer with the employer’s authority, Let me paint two scenarios so you understand my question Scene 1: A worker makes a protected disclosure, the worker's employer sends an agent to act in a detrimental manner to the worker Scene 2: A worker makes a protected disclosure, the employer's
  9. CAN ANYONE WHO READS THIS PLEASE GIVE ME SOME THAT IS CORRECT AND FACTUAL BECAUSE I HAVE TO HAND IN MY DEFENCE FORM AND EVIDENCE TO THE COUNTY COURT TOMORROW. This is something I think everyone should read as it may help you defend a sec 21 and eviction. I will give as much information a possible without it becoming to long to read or confusing. I will refer to the Landlady as She or Her. In August 2017 I moved into a self contained unit in a house that had been converted to 6 flats each with electric meter, bathroom, simple kitchen unit but still classed as a self contained studi
  10. When you use Booking.com there is an intermediary between you and the provider of services (in this case a hotel) Are any users aware of a bank making a compensation payment to a customer for a substandard hotel under Section 75 of the Consumer Credit Act 1974, where Booking.com or other similar operators were involved? As many of you will know, credit card companies are frequently claiming that there isn't a direct contractual link when there is an intermediary, but I'm looking for precedents for either settling such cases in the consumer's favour, or better still a judgment at court
  11. I had a fixed term loan between 2010 and 2012 which I paid off when I moved house. I sent a SAR as i wanted to check on the charges levied during this loan and have received all the documents back. The annual statement summary received during the loan only stated - Date of agreement - Duration of agreement - Amount of credit - Gross loan - Payment protection premium - Staement period They did not show the interest rate, balance of the loan or any payements made. Reading Section 77a of the consumer credit act. As they haven't shown those details then my understanding is that
  12. Afternoon All, I hope everyone has having a lovely bank holiday. When someone has a moment, I would very much appreciate some advice and direction with a credit card complaint. I've genuinely looked for a similar thread/question, as to not to waste anyone's time, but there doesn't appear to be anything (which is surprising). at a high-level, over the course of 2 years or so, I raised a couple of Section 75 claims with my credit card company; both for the same issue. On the first occasion, I submitted my claim via e-mail as per their direction of the CC, I got a confirma
  13. In short I brought a samasung S8+ mobile August 2017. On doing a reset April 2018 it has a screen burn (samasung advice) I brought the phone from Amazon 3rd party seller. I tried to contact the seller who refused to communicate with me Amazon also tried and advised me to apply for a charge back form the credit card company. I have today heard that they will not do this has the card was used at Amazon and Amazon will not help has it is with a 3rd seller. the phone is less than a year old and appears i have no redress to any resolution in either a repair, refund or
  14. Hi all, I bought an ipad in 2012 which was "4G" ready. My Ipad has never worked outside the home and I've barely used it since. I have now learned that these were missold by Apple and they have asked me to contact the seller) to claim under Consumer Rights laws. When I bought the ipad, I also bought a cover. I used vouchers and credit card. The credit card amount is one pound under the cost of the case - I also bought the extended warranty in a separate transaction, on the credit card. The seller have told me they will provide a pro ratered refund. Do I have a section
  15. I work for a company that employs more than 1000 Trade plate drivers; we travel all over the UK delivering and collecting vehicles for many different customers. Many of the places we go to are quite remote, airfields and large compounds etc, there is not usually public transport to many of these places. The only way we can complete our work is to work with other drivers, sometimes this is arranged by the company and sometimes we arrange this between ourselves. When there is public transport it can often take a long time to travel between jobs, and quite expensive. Therefor
  16. In September 2016, the government set up the HMCTS Historic Debt Team as a pilot scheme to recover outstanding court fines that had remained unpaid for a period of up to 10 years. In many cases, the reason for the fines not being recovered had been due to individuals moving address etc. In March 2017, the government announced that since its launch, the HMCTS National Compliance and Enforcement Service had recovered ‘significant sums’ and as a consequence; the Historic Debt Team expanded their tracing activities to recover outstanding court fines over 10 years old. Every day I recei
  17. Hi REGARDING SECTION 8 OF THE BUDGETING LOAN FORM there is some confusion regarding what is needed to be filled in if you are filling it on behalf of someone? can anyone help? it states:- have you filled in this form for someone else? NO (go to part 9) YES please tell us about yourself Please tell us why you are filling in and signing this form for someone else TICK BOX I am sending a letter by the claimant with this form, the letter tells you that they agree to me making the claim for them NOW SIGN THIS FORM IN PART 9 TICKBOX i am t
  18. Hey guys, My mother has just received a section 5A offer notice for the freehold on her flat and has asked me to get some advice on what this actually means to her. She lives in a block of four leasehold privately owned flats and each of the owners has just received this notice. The lease on the flats currently have about 53 years remaining. One of the tenants enquired a couple of years ago regarding extending the lease but they were quoted £10k+ which they considered to be OTT. Now they have received this notice and my mother wants to know what it will mean to them should
  19. I have been in writing to Drydensfairfax Solicitors back in March 2016. They are acting on behalf of their client Max Recovery Limited who purchased a debt. I had previously asked them for a credit agreement and copy of the deed of assignment. Back in March 2016, they wrote to me in reply. They provided me with a basic office copy of a credit agreement. They claimed that their client, Max Recovery, had provided them with a copy deed of assignment, and that they had attached this to the document for my perusal. Upon checking the documentation, this assignment was n
  20. Hi Just after a bit of advice. I have heading out to Turkey next week for a hair transplant. The operation will be in Turkey but the company gethair.co.uk has an office in London which deals with all of the admin and signing up new customers aswell as having a UK bank account. The question is if I paid £100 of the balance on a UK credit card, would I be covered for any shoddy or poor service received in Istanbul. Since the company I have dealt with up until now is technically UK based? Appreciate any thoughts on this thanks
  21. Hi all, I'm hoping I can get some help on this I have a property that is let out (with permission from my mortgage provider) while I have been working abroad. The mortgage provider has my correspondence address on file. The management company for my estate charges me an annual fee. I've been late paying this before so I signed up to their online account so I can track it online, which is easier for me. In September 2015, they emailed me saying that they were moving to a paperless solution and would be emailing invoices and other correspondence from October 2015. I did not receiv
  22. It is a bit of a long story so I will stick to the main issue: I requested a charge back from Nationwide within the correct time scale. Each time I wrote to them I sent it recorded delivery. The first letter, was signed for but not answered, so I complained. They asked me to send the full complaint again, which I did. They then said they would reply within a set time scale. They did not. They then said once again, they would reply within a set time scale. ( 3months now passed) They did not, so I issued county court small claim against them. This morning, I have a let
  23. Hi all thanks in advance The land lord is always asking for rent in advance, Payment date is the 12th of each month , I have been paying as and when before the due date, but lately the ll is hassling me example this month I paid £375 two weeks ago, get a call last night can you pay some more, the problem is I fear they will end the tenancy if I do not, £400 due on Monday, It seems it is the LL wife's spending money, where do I stand? Leakie
  24. I'm currently resting a property from a private landlord on an AST. A couple of weeks ago the landlord notified me that she would be selling the property but hoped to sell it to another landlord. There were a few viewings and an offer made. She has just informed me that the buyer is not looking to let the property so will be sending the section 21 notice giving me two months to leave (her message actually said three months, but the contract says two). My question is can I leave early? I have a viewing of another property today, and all going well I will make an applicati
  25. SECTION 75 (Only) Protection when buying Goods using a Credit Card - Section 75 Claim By law, if you've spent between £100 and £30,000, providers should refund you if there's a problem with your purchase. But this vital consumer protection, known as "section 75" claims after the relevant clause in credit law, can be denied to customers, even after a refund has gone through. This is due to a little-known loophole that means section 75 claims can be reversed. Other borrowers complain that drawn-out compensation claims have left them without any goo
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