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  1. Hi all, I received yesterday a lengthy letter from Barclaycard regarding Egg credit card. It told me that they now had my account, and that back in April I should have received notification that the Egg card was being sold to barclaycard. I am concerned as I haven't received any such notice, and moreover, am in a current agreement to repay both my barclaycard Visa and Mastercard debts off. However they have not stopped interest on either card, only reducing the interest to 2 percent. Has anyone else had experience of this or received notifications back in April?
  2. We've been in the property 12 months, and 10 months in the landlord has served us with a section 21. So we have two months to leave. An estate agent has been in touch regarding viewings and we have been as accommodating as we can. We have found another place to rent and have asked if the landlord is willing to end the tenancy early, and the answer was no. We can leave early but still need to pay until the end of the 12 months. The new landlord doesn't want to wait that long and if we cant move in earlier he will have to let it to someone else. So, in an attempt to persu
  3. We have found a car that we have been looking for and noticed one at a major dealer 420 miles away. Called the dealer and asked if i could get a video of the car and also asked if they offered a delivery service but they said that i would need to visit the delaership in person due to the distance selling regulations. I have previously bought bikes blind and turned out fine with no problems. Some might say Im crazy buying something that ive not seen but im happy to do this with a major dealer and take the risk and the car is only 2 moths old. So is this just down to individual de
  4. Saturday 23rd June 2018 took a 14ft pool to the till marked up at £99.99 with the correct item being displayed on the price tag, when we got to the till they entered the code from the price tag clearly stating £99.99 to be told it was £199.99 after disputing they had to sell it at the marked price which was on the tag they called the manager to be told she was the deputy manager and that they didn’t have to sell it at the marked price as it was incorrectly priced, there was another 3 marked up at the same price also in the shop, they said there was nothing they could do and the best they could
  5. My 89 mother invited a company to quote for a reclining chair after seeing advert in National Press. The company is Orchid Mobility and not the company recently featured on tv’s rogue traders. She ordered a chair and unfortunately paid by cheque as they wouldn’t accept a card. They said she would get priority delivery if she paid in full which she did (£1395). I was on holiday by the way and was unaware of this. The order was placed on 19th Feb with a 4 week delivery promised. The chair has yet to be delivered and now we are in May. Numerous phone calls have resu
  6. I am currently living with my partner, which is likely to become a permanent arrangement in the near future. As of yet I have not updated any accounts/documents with my new address (incl driver licence/bank etc). I have a spare vehicle that is up for sale and have an interested party coming to view it tomorrow but have just realised the V5 is for my previous address. Will this be an issue? Thanks in advance
  7. Hi All, I'm a newbie to the site and I hope i'm in the correct forum. I would be very grateful for any advice or guidance from those of you with experience of similar issues. We took a loan with Welcome Finance in 2007 secured against our home for £17,000. Over the years they have changed companies and are now known as Prime Credit. We have taken steps to sell our home and have accepted an offer. It is only now that we are in a position where we are looking for a new mortgage that we have realised the secured loan will create difficulties. We have paid £234 per month fo
  8. Llanelli vinyl vendor jailed for selling illegal cancer drugs across the EU READ MORE HERE: https://www.gov.uk/government/news/llanelli-vinyl-vendor-jailed-for-selling-illegal-cancer-drugs-across-the-eu
  9. Hi, I have received a letter from solicitors regarding 8 metres of fabric that I sold on eBay and Etsy claiming that I import and sell counterfeit products. I bought this fabric online to make curtains and then changed my mind and decided to sell them myself... They're asking for over £2,000 and the total selling price of the fabric was £250... I don't know what to do! Any help would be much appreciated. Thank you
  10. Any advice on this one Had a CC debt with HSBC tried to claim on PPI but as my ill health was down to existing condition it did not cover me - recieved court summons replied arranged via court to pay £20 per month However mum diagnosed with cancer missed one payment £20 but contacting them to apologise and issuing payment for further 3 months in advance so I would never be in a position to miss a payment again - yet recieved summons re charging order went to court by myself and Charging order was granted Since which time however on reading info about missold PPI's via CAG wond
  11. Does a cancellation period apply to goods and services on line ?.
  12. Hi, Trying to claim mis selling from Santander ( bought as A&L mortgage 1991). I have completed a questionnaire, they came back with it was another company who sold me the endowment, on submitting a request to them, they say an agency worked in their office, it has now ceased............... .Im struggling, I'm sure I've read somewhere whoever the mortgage/endowment policy is with, ultimately they are accountable by law, cannot find this anywhere now. Can anybody help me out with some advice on where to go with this please?
  13. Hi, Apologies if this is a silly question but my wife and I are thinking about buying a sofa and like the idea of buying online because of the distance selling rights of being able to send it back if it turns out to be unsuitable. Please can I ask if buying in store and then having the goods delivered is classed as distance selling or am I really embarrassing myself here?
  14. Could you please help. I got a quote from teletex holidays for a hotel advertised on their site as The Annabella Diamond &spa annexe. This is a 5 star hotel with amazing reviews and pictures of the hotel. In the description of the hotel, it tells you about the hotel, how many rooms and also indicates there is a separate annexe, (but does not elaborate). The teletex operative was very pushy for me to book and I told him to call back after 5 as I was working and I would be in the car. He called me back whilst I was driving, (I have hands free) and I decided to go ahead with the qu
  15. Hi All, Please bear with me. I was made redundant over a year ago, and as a single Mum, I've just started my own business, but am still relying heavily on benefits while I find my feet - financially. Our landlady's told us she's selling the house in June and as we've been here for 5 years and are so happy and settled, I'd love to somehow be able to buy it. The house is expected to go on the market for 220K. My mum recently sold her house and has a 30K deposit she can give us and I'm now considering the following options: 1. My ex, who earns a good wage (100K) can 'Buy to
  16. So within the past few months I had used a loan broker site in an attempt to get a loan. I don't know for sure which one so apologise on the unhelpful nature on this account. I was not accepted so thought nothing of it and moved along. A bit later on I had a random debit for £29.50 from a site I hadn't recognised and again at the end of this month the same payment occurred. I finally discovered who this was and it was a site called My Discount Codes, who offer a subscription service for some sort of discounts. Haven't a clue what they actually do since once I discovered this I demand
  17. Good afternoon, I have recently found my original finance agreement from Welcome Finance in 2007, for which I believe I was mis-sold shortfall insurance on the agreement. I was told by the salesman that if i did not take the shortfall insurance, then i would not be provided with finance. I had no idea it was optional until recently. I have contacted the FSCS in relation to starting a claim as per the Welcome website, I have the original credit agreement however, I have no details as to who the shortfall insurance was through as a) I was not given any d
  18. Can I just ask about this process? I currently have 250 shares (santander) that are on my Equiniti shareview account online. Under my account it shows them as "Banco San SA Ord EUR0.50 CDI" I go to the buy/sell section and search for Santander but 3 share descriptions come up? The closest match is "Banco San SA EUR0.50 REGD". Would I sell as that 1? The others shown are: "Santander UK Plc 8.625pct perpetual non-cum" "Santander UK Plc 10 3/8% perpetual non-cum Pref GBP1" *Actually as I type this up, I see the "Banco San SA Ord EUR0.50 CDI" is the only 1 that says "
  19. Basically I have put in a complaint against ebay for an item that I sold to clear which was marked for parts or not working and no refunds accepted as ebay are siding with the buyer and told me to start a return (buyer is non uk resident) however I have responded with an appeal against the decision and a formal complaint. Also this has incensed me so much I have decided to put a petition down if anyone wants to sign it to make ebay treat sellers fairly and stop siding with the buyer to prevent [problem]mers (which is what this buyer is). https://petition.parliament.uk/petitions/17980
  20. Hi, I've had a listing removed from eBay - apparently it was reported by Sky Media. There is no real reason as to why the item has been removed just that 'please not (sic) that this item is not allowed on our site.' and 'for more information read the help pages or contact Sky directly.' The item in question was a Now TV Sky Cinema pass - I bought another couple of Now TV boxes before Christmas and didn't need the passes. As far as I'm aware the listing was compliant with eBay rules - item to be posted via Royal Mail, so not a 'digitally delivered item' or 'non-physical goods'. I beli
  21. The PPI mis-selling scandal has dogged the banking world for a long time now, and bothered everyone with a variety of spam messages and mithering claims companies. Now, it looks like we might have another mis-selling scandal, thanks to the insurance world. The FCA think that insurance agents have potentially mis-sold policies to consumers, as well as falsifying documents, faking signatures, and sold products to people that will never, ever pay out. The Financial Conduct Authority has been looking into all this, and said that their study of 15 insurance firms and the agent
  22. I have a legal document which gives me authority to deal with any and all of my disabled son's financial affairs. Lloyds TSB denied having seen the document but I have proof they knew about it following an unrelated incident some years earlier. Without my knowledge or permisson they mis-sold my son various insurances, let him overdraw his account and lent him THREE loans. The second loan to pay off the first and the third loan to pay off the second. In all, they are charging him a monthly fee for the privilege of having overdraft, charges for unauthorised overdraft, charges
  23. http://www.fca.org.uk/news/cheque-centre-stops-selling-single-repayment-payday-loans-fca-tougher-consumer-protection One down. Many more to go
  24. I visited my local Carphone Warehouse store last year , as the Talk mobile capped contract that I had taken out 12 months before was coming to an end and I needed to replace. I asked for a capped contract again as I explained to them it was for my son and I didn't want any large bills! I said budget was £15 -£20 a month. They suggested a contract with EE at £15.99 a month - at no time did they say that they do not do capped contracts anymore. They worded it as 2,000 mins, so many texts and data capped. My son was with me and he remembers that I kept saying it had to be capped to avoid a
  25. Does a car dealer have to display the price at which he or she is selling a particular vehicle for ?
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