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Found 150 results

  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 persuade the current landlord I have pointed out that we have been very flexible with the viewings, but have no reason to do this. If he isn't willing to negotiate the leave date, we have no reason to be as flexible as we are, even to the point of not allowing viewings at all. Am I within my rights here?
  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 dealers not willing to sell to someone who cant physically get to their showroom or is this the way things work now? I bought a bike from a dealer around 3 years ago who sent me a video, pointed out and chips etc and i emailed stating i was happy to proceed. Thanks
  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 do was offer us 10% off the correct price, so we ended up paying £180 for a pool that was price marked at £99.99, we took the price tag and asked for head office details and have kept the receipt so we can prove that we have paid more for an item than what was priced, how do we get the difference back and what do we do now? Any help greatly received. ?
  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 resulted in blatant lies telling us the chair is finished but too busy to deliver. Delivery dates given but never met etc. I have sent recorded delivery letters giving ultimatums but they have never responded or returned calls. They are still answering their phone and hence still taking orders from old disabled people. I rang citizens advice and they said police not interested and they said after the recorded letters follow up with small claims court. I have traced the company directors name from Companies House but can’t find his residential address or I would ring his home. Cannot definitely find him on Facebook but I think I know who the culprit is. Any advice welcome to get the money back and get this lowlife stopped.
  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 for almost 10 years totalling around £28K. When we finish the loan with Prime Credit in another 5 years we will have paid in excess of £40k Can anyone offer some advice on the best way to approach this with the Loan Company please. We have just realised that if we have to settle the loan first we will not have the deposit needed to move house. We have been improving our credit scores over the past few years and are bordering on achieving Good. Would it be advisable to apply for an unsecured loan to pay this off or would this also affect our mortgage application. We are so confused about the best way to deal with this Many thanks in advance for any help you may be able to give.
  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 wondered if I could go back to court and argue on the ground it was mis sold so putting the account back in dispute in an effort to get charging order lifted ? and refund of payments £100 per month to my recollection this way there would be little or no Debt? I did check with Solicitor CCA was enforcable but she never commented about PPI. Or would I be just whistling in the wind ? Any Ideas OSW
  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 quote. He was on the phone ages pushing buttons and booking the holiday. I told him numerous times, I was driving and when he required payment I would pull over. He asked me to read the booking quote which I told him I could not AS I WAS IN THE CAR, I eventually got home and sat outside the house in the car finishing the booking, which was going on and on. He asked me to read the quote and I said I couldn’t as I was in the car, and he said he would read it out, as it had to be correct, When he got to the hotel part, he said the booking was with the Annabella park hotel but this was the same hotel, which he said numerous times. We completed the booking and I went in the house. When I got into the house I checked on the web and it became apparent that on teletex site they have two hotels on their site. The Annabella Diamond and spa annexe 5 star and the Annabella Park Hotel 4 star., I straight away called customer services but could not get through. I got hold of them the following morning and again they said it was the same hotel but we were in the annexe which is called a different name and we could use the facilities except for the main bar. I emailed and called and eventually spoke to an operative, who told me that although teletex are advertising these as different hotels, that infact they are the same hotel, with the annexe being called the Anabella park. He told me I had got what I was quoted for. I told him that I didn’t, when I asked for the quote I was looking at the pictures, of the Annabella Diamond Hotel &spa annexe and I was looking at the hotel description, facilities, pictures and reviews for this hotel a 5 star hotel. And now what I have actually got which was never said to me was an annexe of the Diamond with a different name and only 4 stars. Surely this is miss-selling. I told him I wanted my money back and he said you have booked non-refundable rooms. If you look at the teletex site, the pictures of the diamond and the park are the same, but on other sites they are different. He also kept waffling about them being the suppliers picture and not theirs, but at the end of the day, I booked with teletex, who are selling the holiday, and teletex who took my money. Could someone please clarify. Sorry its long. I have attached the hotel from their site.anna.pdf
  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 let' for us? This sounds too good to be true - what are the issues surrounding this? 2. Would my 71 year old Mum be able to re-mortgage her house that she owns outright? It's value is 200K. Is she able to do this at her age - how much could she raise - again - what are the issues surrounding this? I'm pretty convinced that our dream's not achievable, but I thought I'd ask here first - I've heard great things about this forum. Here's hoping, Many thanks in advance.
  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 demanded the account be closed and to be refunded for the money taken from me. They thought they were admirable in refunding me 25% of the funds and believe I signed up when seeking a loan - something I definitely would not have done and should surely require explicit permission - not signing up then hoping people lapse on the free trial they offer. When trying to figure out who they were and in my dealings with them, I was able to access the Zendesk helpdesk and noticed that it redirects sometimes to 'Loans Direct' (and also 'Old Brands' from My Discount Codes. A quick search of this forum shows they are well known for this sort of thing if it is the same Loans Direct company. Few questions; What are the legalities of taking details to sign up for things like this when the details were used for a completely different purpose? Who are the best bodies to address the issues I have here? What is the best way for me to go about getting a refund? Will my bank still be able to do this 2months on?
  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 documentation by Welcome other than the credit agreement and b) I never had to make a claim. I cannot contact Welcome as they are no more and want to have as much information as possible for the claim. Naively, I thought it was via Welcome Finance but it appears that was just the credit agreement. Can anyone assist with identifying who the shortfall insurance was through? the date i tool the policy out was April 2007. Any help appreciated
  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 "Santander nominee service" when I click sell, the other 2 have "share certificate", so it must be the first* Other questions.... When I fill in the details to sell, does that mean I get the actual share price for my shares the moment I click to sell them? And also, on 1 of the sell pages do I get an option to select how many shares I want to sell? At the moment the shares are worth £1200. I would want to sell half of my shares, so £600? Minus their fees? Also what would their fees be? Thanks and sorry if these seem like newbie questions but I have never dealt with shares before
  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/179807/sponsors/4dLn9AywqqgsvIT0cBcs If anyone could sign it hopefully there will be enough to make parliament take notice and start taking ebay to task...
  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 believe Now TV is a subsidiary company of Sky - but they don't own it directly? The link to contact Sky and for more information is: https://business.sky.com/fighting-fraud/ when you look at this it only mentions Sky Sports, about illegal use of Sky Sports programming and Unauthorised foreign broadcasts - nothing to do with what I was selling. I believe when listings are removed like this it is because the company concerned are a member of eBay VeRO - 'Verified Rights Owner' programme or something. I've read in the past that companies basically abuse this, eBay remove all listings that they report which could be for a multitude of reasons. On the list of VeRO members (UK is toward the bottom of the page) I can't see Sky listed http://vero.ebay.com/ I hate such bullying by large companies - I've spent a while on live chat to eBay but they are adamant that I need to contact Sky and that 'if Sky allow me to sell the item, I can pass the communication onto them'. They won't give me a copy of the report, a specific number to call for eBay listing removals - nothing. It feels very much like a big bully boy company (Sky) dictating an item can't be sold to another large multinational (eBay) who simply bow to them - no mistakes, no appeals etc. What can I do? Has anyone had this issue before? Please help.. Thanks in advance..
  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 agents found widespread examples of poor practice. They've also found companies that have failed to discipline an agent after they'd spotted their mis-selling deeds, and their falsification of customer documentation. Other discoveries showed agents selling travel insurance to people with medical conditions, which aren't covered by the policy they ended up with. As such, the FCA have given the insurance world a chance to sort themselves out, and ordered 'Section 166 reviews' on two companies, which means tha they'll have to pay for an independent firm to come in and review the way they do things. Another two companies have been told to stop all sales activities. Sadly the FCA haven't named anyone in all this. "General insurance is a large and important sector and we are concerned about the potential for customer detriment arising from the lack of oversight of appointed representatives," Jonathan Davidson, FCA director of supervision, said in a statement. "All principal firms need to consider these findings and look again at their practices." We wouldn't be surprised if there's compensation coming the way of people who have been mis-sold, in yet another headache for the UK's financial sector. http://www.bitterwallet.com/insurance/fca-find-mis-selling-in-insurance-92730
  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 for the loans and other fees. He is due them anout £12,500. Due to some of his medical problems, insurance bears a loading of 75% ! (They STILL relished forcing him to take!) After much complaining, the admitted the mis-selling and gave full refund of all the insurances and token compensation. (I got them to give another 50% after further complaints about their incompetence.) HOWEVER, notwithstanding their admission of mis-selling, they refuse to admit the overdrafts and loans were mis-sold! Even more astounding, the Financial Ombudsman is letting them get away with it! No wonder the net is full of allegations about The FO being corrupt ALSO! Any ideas what avenue to go down to force these EVIL people to admit full responsibility? My Member of Parliament is now involved and I intend to advertise these EVIL acts in every forum and elsewhere on the net. I will explore the possibility of contacting the press and television. It is SO blatant and yet they reckon they have got away with it! NO EWAY, EVIL, INCOMPETENT LLOYDS, YOU ARE GOING DOWN!!!!!!!!!!
  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. Hi all not been on here for many years but i hope im asking in the right forum, if not please move Ive got a DMP had it for several years slowly steadily paying my debts off . The thing is my dad owns a few houses and to offset any inheritance tax he's thinking of putting a house in my name, now if he does and i sell the house ill have x amount in my bank and if my creditors see it they will want or even might want their share. I want to put the money into a project that will earn more money which means i can pay my creditors off when it suits me Now my question is: can i put my dads or someone elses bank details on the conveyancing form so the money will not go into my own bank account? Or is it a legal requirement that the house owner has to put their own bank details for any monies to be paid into? thanks
  25. 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 large bill. I then checked my bank account on line one morning to find that EE were taking £1044 out, I went to the bank and stopped the payment immediately thinking they had made a mistake. However , when I rang EE they informed me that we had used 4,100 mins instead of the 2,000 included in our contract. I said there must be a mistake as I had asked for a capped contract, EE said that Carphone Warehouse were renowned for miss selling and to get in touch with them. I know many will say why did my son use that much, but he thought he was within usage as he knew from his previous contract that he would not be able to use it after he had used his allowance. I have contacted CW on numerous occasions in person at the store and by email to their complaints dept, they have both said that it is my word against theirs, the complaints dept have asked the store to get in touch with me to try and resolve this matter , but I have had no contact from them whatsoever. I have contacted EE on several occasions to pay my usual monthly fee and explain that I was trying to get CW to admit what had been done , EE advised me to increase my tariff to unlimited when I said I couldn't pay the bill, to avoid it happening again, I now pay £21 a month , but they do not alow us to make calls, only receive incoming calls. so I am now paying for unlimited calls but cant use them! Now EE are threatening to hand the debt over to a collections agency. I am at my wits end now and don't know what to do next, the only advice I have had of a friend who is a solicitor, but am not sure if it will help. Any advice would be much appreciated.
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