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Found 16 results

  1. Hi I recently had a successful PPI claim with MBNA. I have received a 50% payout but as it was a joint loan, 50% is owed to my late wife. Initially, MBNA refused to pay me her share until I provided a Grant of Probate or Letters of Administration. After explaining I have neither, they eventually said they will accept documents from a Court or a Solicitor confirming that no Will, Letter of Administration or Grant of Probate was ever made. My wife had next to nothing in assets when she died so, as I understand it from the gov.uk website, I didn’t need to apply for Probate as, in the circumstances, I inherited everything. I can’t understand why MBNA will not just accept our marriage certificate and my wife’s death certificate as sufficient evidence and pay out. That was all the evidence I needed to provide at the time of my wife’s death when dealing with her bank accounts. (They were different banks, not MBNA). The amount owed is only around £400 so the cost of applying for Probate or Letters of Administration would make it all pointless. I assume the cost of obtaining documents from a solicitor confirming no Will, Letter of Administration or Grant of Probate was ever made would also be prohibitive. I was wondering is there any way I could fight this and get MBNA to pay out with just the marriage and death certificates as evidence. Any help or advice would be really appreciated. Maybe someone else has had a similar experience?
  2. I am currently in dispute with a builder over a patio - there have been several attempts to remedy the situation over the past 12 months the patio has been re-laid but there are still significant issues. Last time the builder was on site I unfortunately swore about the situation not directed at the builder. The builder became very aggressive and intimidating - shouting and swearing at me. I asked him to leave the house and he continued. Fortunately, at this point my wife came home with my daughters and she could hear the builder shouting from outside the house. I managed to get the builder into the front garden where he continued to shout and swear at me in front of my wife and 5 and 3 year old daughters. My wife asked him to stop multiple times. We got the children in the house and then he eventually left after a final tirade. In the evening the contractor sent a text to my wife rather than me acknowledging his behaviour had been inappropriate. He is offering to carry out further remedial work but we are obviously reluctant to have him back on site after this situation - he is a big guy. Where do we stand legally if we don't feel comfortable having him back on site?
  3. Well it seems like Provident are having issues. Being investigated for irresponsible lending and losing a lot of money on shares. http://www.dailymail.co.uk/news/article-4814606/800-000-families-face-crisis-sub-prime-loan-firm-tanks.html
  4. Basically me and my brother have been renting together a few years, made financial sense and we get on well. It is through an agent. He has since had a child(hes not with the mother but they get on) and he has been on the housing association list for a while as he wants to be able to have his son staying over etc. He's over every weekend anyway but stays at my dads. Last week he was accepted for a 2 bedroom flat with the housing association and is going to accept it so will wish to leave shortly. This leaves me in a tricky situation as I would like to stay here, it is his name on the tennancy and he obviously cant stay on it. The reason we went with his name was that I had a lot of recentish adverse credit + was self employed(this was over 5 years ago). I am still self employed and still have some adverse credit but its at the back end of the 6 years, some have already dropped off. The only recent things I have are an ee account which is spotless for 3 years. I believe they probably didnt even check me in any way. I do deal with the agents as much as my brother though if not more + pay half of the rent from my bank. Does anyone know what might happen in such a situation?,we are I believe here till October ie they charge £100 or so renewal fee(excessive I know). I know I can afford to keep the place on my own but again with the knowledge of how agents work I have a feeling I might have to go through all the application etc again. More £££, risk of credit fail and dificulty proving income again. Part of me thinks surely they could swap the names in the knowledge weve always paid without issue and in 5 years only had a washing machine repaired, bathroom floor replaced(due to damp) and a toilet flusher so we are low maintenance. I do know the landlord as he is a friend of my dads if that makes any difference. I presume its in their interest to keep me in as long as the rents flowing, + they still have the deposit + rent advance. I was thinking of maybe saying see where we are in October when the "renewal" comes up. Any views would be appreicated.
  5. Hi All I am posting on behalf of my Ex wife. My Ex and her new partner live in a house share rental, Two of the other tenants have now left, The landlord wants the remaining people to pay full rent,for all three rooms that were let. Also they have found out that the others who have left, there deposits have not been returned. The Landlord is living in another country(south Africa) So the main question at the moment is the rules regarding house share the same as letting a property. they are prepared to pay for 2 bedrooms but not the 3rd. At this moment I have not had sight of the contract, (if any and will be speaking to my ex's new partner later. Any advise would be appreciated. Leakie
  6. Hi I am in need of some urgent advice, I am on a short-hold assured joint tenancy agreement and the tenant I am sharing the property with is a friend (soon not to be) has failed to pay his rent, we are now two months in arrears. All he has paid to date is the deposit, have had numerous promises of will pay it tomorrow or this week and still no further, rent is due on the 23rd of each month. Now I have stumped up and paid is share of the rent to the agent to alleviate any problem with the agent, but what can I do? Ideally I want them out now, I have rented the property for 8 months on a short-hold assured joint tenancy prior to the new tenant moving in after the last moved out due to a job relocation. Even though I can afford the rent and bills of the property solely, I am not prepared to let the other tenant now known as squatter to live rent free. He has also not contributed to any bills either. Any advice would be great. Thanks
  7. I woukld like to purchase one share in a company. The share value is about £4.00 at the moment. It seems i have to open a share dealing account and can be charged about £12 per trade. That is alot considering the stock is oinly worth £4.00. so i have to fork out £16.00 to purchase a £4.00 share The reason why i only want this one share is so i can attend the AGM and ask questions in a profesional capacity Any ideas my best option of getting just this one share??
  8. I have just been reading through 'the credit reference agency explained' section on the experian website and noticed that under the section 'what is credit reference information?' and the sub section 'credit account information' it explains that lenders can only share your information with your permission and that you would normally give this permission when you sign the initial agreement when excepting the terms and conditions etc. This has lead me to wonder, if I have an account which is now marked as defaulted 8 (agreement ended) would this not mean that the permission I gave ended when the agreement was ended? I have nothing from the bank that says the agreement has ended, I am just going on what is stated on my experian credit report. Hopefully this all makes sense, any thoughts from somebody more qualified than myself would be much appreciated. Many thanks, from a first time poster.
  9. Hi I currently job share 4 hrs a day 5 days a week, my working partner is going to be off for a few month due to a knee operation. Problem is if im asked there is no way I can work full time, I have 3 kids and she is likely to still be off through the summer holidays, I have looked at my contract it doesn't even state I am job share or that I have to cover sick or holidays! Only that they can vary my hours not that they can make me work more and with reasonable notice from time to time.....so can they make me work full time to cover, as any time she had called in ill they have never asked me to cover which to me implies I dont have to cover, just want to know as its not in my contract can they force anything? Thanks
  10. I've had no scope for growing my own food beyond what will flourish on a window sill for a long time. I got onto the council waiting list for a Plot with the foreboding warning it might take as long as 15 years to get to the top! As it turned out it was less than 2 in the end. Annual charges are under 30 quid - I can spend that much in one visit to the Co-op without much trouble! I have forked out (pardon the pun) for some tools and a second (could be 3rd/4th/5th!) hand shed and splashed out on seeds and magazines (if they have free seeds!) I've also been very lucky with family and other plot holders giving me seedlings and tools to get me started. I have been digging away for a few hours at the weekend since taking it on in January - and I have an enviable supply of organic fruit and veg at my disposal. Not to mention feeling smug at making food appear out of the ground instead of out of a plastic packet, I am also smug when cooking because it tastes better too. Another bonus - it's excellent exercise and a great way to make new friends who want to pass on all their tips - If you are still paying for a gym membership you don't make good use of = STOP, get a PLOT! Apply via your local authority website, get on the waiting list and be sure to remind them you are very keen every so often, or see if you can share with someone and get there sooner. Do it today! Worth checking out Landshare.net if the waiting list is too long to bear
  11. The process of returning RBS to private hands has started. Investors should bide their time, Questor says. Stephen Hester’s imminent departure from the helm of Royal Bank of Scotland (RBS) has come as a bit of a shock to the City. He was well regarded, having undertaken one of the most difficult jobs in banking over the last five years with relative success. The move appears to be political and, as an investor, this form of interference is always a concern. However, the bank has been roiled by political interference since the credit crunch hit, with politicians constantly moving goalposts. It is nothing new. There is speculation that Mr Osborne is considering Andrew Tyrie’s proposals of splitting RBS into a so-called “good bank” and “bad bank”, which is opposed by Mr Hester. Mr Tyrie made the proposal as chair of the parliamentary commission on banking standards. However, the departure of Mr Hester appears to be a prelude to the bank returning to private hands, something that is likely to take years. It appears likely that Chancellor George Osborne will unveil plans for the privatisation of the government’s 81pc stake in RBS at his Mansion House speech on June 19. However, it is also likely that the 39pc stake in Lloyds banking Group will be sold off first. More: http://www.telegraph.co.uk/finance/markets/questor/10118287/Questor-share-tip-Now-is-not-the-time-to-buy-RBS-shares.html
  12. The new Financial Conduct Authority will collect and share information from mortgage borrowers that may have data protection implications, it has emerged. The regulator will share personal data with the Bank of England, and its sister organisation, the Prudential Regulation Authority. The FCA wants to harvest large amounts of data about existing and new mortgages, including information on childcare commitments and outstanding loans and credit card bills. The data will also include each borrowers' income, including bonuses and overtime pay. The enhanced data requirements were contained in proposals published this week. The FCA says it needs the data to "monitor and supervise conduct in the mortgage market" and to help it to make "quicker, bolder decisions". The FCA acknowledged in the paper that the changes will bring both the data protection act and the human rights act into play. "There will potentially be instances where we share information with law enforcement agencies in relation to suspected mortgage fraud, although these instances are likely to be limited in nature," the paper states. It adds that the "collection of the data is necessary to achieve the aims set out in this consultation paper, and any interference with the right is proportionate to those aims". Link: http://www.telegraph.co.uk/finance/personalfinance/10062273/FCA-regulator-to-collect-and-share-mortgage-borrowers-personal-data.html
  13. My daughter had chance of renting an allotment just behind her house. She didn't think she'd have enough time but I persuaded her to do it! We spent last year preparing the plot - it hadn't been used for almost 25 years so was shoulder-high in weeds and stuff. We've just about planted all our fruit, herbs and organic veggies for the year .. so satisfying. You forget all about the hard work once you've planted everything and can actually start eating your own chemical free produce. We'll have more than enough for ourselves and friends to eat now and to freeze for later. The rent is £20 p.a. - seeds were next to nothing and lots of stuff will self-seed. The allotment will more than pay for itself. It's fun, it's sociable and it's productive. A couple of people/families getting together to share a plot will save so much money. Doesn't even matter if you don't know a thing about growing - fellow allotment holders are more than happy to share their advice, their tools and their seedlings! Check with your local council. Impecunious! Diggin' for England!
  14. Will mean that there will be just 2 providers supplying the UK following the tie up with Always and everywhere (Orange / t mobile) and 3. http://www.thisismoney.co.uk/money/markets/article-2156085/Vodafone-02-set-share-network-phone-masts.html?ito=feeds-newsxml
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