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  1. Firstly a bit of background. I have a secured loan with blemain finance (we all make mistakes:-x) It was taken out in may 2007 and is for £10K also it is cca regulated. They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me an
  2. I ended up with 3 debts to Barclays bank - Premier Card / Overdraft and Select loan.I challenged Barclays on the way that they had been charging interest on my Overdraft and Select Loan. Very good news they did not challenge me back but simply sent me letters saying they would be writing them off. I have written to Robinson Way who now hold the Barclays Premier Card debt asking for my terms and conditions / interest rates/ how Barclaycard applied them to my account. Barclaycard have supplied a copy of the original agreement but have said " WE ARE UNABLE TO SUPPLY THE HISTORIC AND VARIED
  3. Dear all, Exeter Road Car Park, Braunton, EX33 2JJ - Parking Charge Notice I have also been subject to this rather off-putting Parking Charge Notice in the same place; Following the thread above I have completed the questions from the link below: 1. Date of the infringement: - 05/10/18. 2. Date on the NTK [this must have been received within 14 days from the 'offence' date]: - 11/10/18. 3. Date received: - 12 or 13/10/18. 4. Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?]: - Yes. 5. Is there any photographic evidence of the event?: -
  4. Hi everyone I use a courier company, i will call "TPC", who in turn use DPD. I have to say on the whole the past few years has been event free but a few months ago we sent a 3D printer to someone to use and it was smashed up really badly. The recipient took photos and has emailed us stating the damage was beyond dropping in his view and we have loads of photos of the box damaged etc. I reported the issue immediately and TPC were originally very sympathetic etc. I have to say I was shocked at the damage, you would have had to try really hard to do what they did. As the client
  5. Good day everyone! I would like some advice regarding changes with the redundancy payment as shown in the Staff Handbook. In the past, our Staff Handbook showed that in the case of redundancies, payment will be calculated on a months salary for each year of service. (Which I have retained a copy of) In the last few weeks, I have reviewed the staff handbook again and it now reads that redundancy payment will be calculated on the statuary minimum, being a weeks pay for every year of service. This has come to a surprise to me and a lot of the other staff I work with. We
  6. Hello, I have looked at various posts on here to obtain some guidance and have some questions! This is the situation: NatWest ignored my written correspondence, and served a Default Notice in December 2007 for a joint (with my wife) current account. They continued to ignore written correspondence, and issued a CCJ to my wife (without prior advice) in March 2008 and to me in May 2008. Their claim included the "standard" court interest under s.69 at 8% and charges for solicitor The overdraft was around £5200. Their claim was for approx £5200, plus interest and
  7. Hi Thanks in advance. I am looking for some help on my current situation at work. I have worked there for more than two years and have not been subject to disciplinary procedures. Last week I handed in my notice. The primary reason I did this was due to leave request being declined. In my letter i stated i would work my notice but would not be working the specific dates i requested. Later on my line manager informed me that i would be leaving the same day and to prepare a handover which i did. This was seven days ago. Since then i have not received any information regarding th
  8. Booked a 'camping' break for two nights 13th to 15th Feb, this was booked on the 16th Jan. However, the better half no longer wishes to go, mainly due to the weather/temperature, but primarily because she isn't feeling great, and would prefer to simply go out for the day on Valentines day. I rang Away Resorts who deal with the bookings, and was told that if I cancelled then they don't have to refund the cost (£70) because their T&C's say so..... https://www.awayresorts.co.uk/terms-and-conditions/ Seventy quid is a lot of money for us, just to simply throw away i
  9. My bank has just sent me an email with upcoming changes to my (and your account) which causes me great concern and wonder if other people have had the same. Basically it says: there will be no payments in/out of my account over the weekend. What really concerns me is they warn of a new financial system where TPP (third party providors) will offer to manage my bank account, they could ask for (that means WILL ask for) my banking login and password details. Of course the bank says, if I do this then it's nothing to do with them if my bank account goes to zero. I would think that n
  10. Hello All I am currently involved in a legal dispute with UKAR regarding a property mortgaged with MX. In order to defend the case, I need an original copy of their Terms and conditions 2004 booklet. I have several "Manipulated" copies that have been sent to be by UKAR however, each copy varies in detail. If anyone has a copy I could borrow/purchase it would be very much appreciated. Thanks
  11. Hi Just received the attached today 12th July. I was back in the car 4 minutes before the parking expired I was unaware that there were cameras up and was loitering near the exit waiting for the family to catch up. I thought as I was in the car out of the space that there wouldn't be a problem as I wasn't aware as I say there were cameras on the entrance/exit. I presume i'll have to pay this now, i'll need to pay in installments as my only source of income is my ESA so can't afford even the £60 discounted figure. There is signage up in the car park but I didn't see mention of anyt
  12. Am I correct that the prescribed terms for a fixed sum variable rate consumer credit act agreement is: a amount of credit b interest rate c amount of payment Credit £25,000 Interest £9.319,57 applied at 4.5% above banks base rate 5% payments £408.68 x 84 Theres no total amount payable as this could alter due to an interest change throughout the time of the agreement. However, the amount of credit plus the interest applied to the credit do NOT equal the initial monthly payment? £25,000 plus £9.319.57 = £34,319.57 divide by 84 payments = £408.56 This pa
  13. I paid them for a couple months via Monthly Standing Orders which i set up, this was after the Debt Management Company I used folded, I then stopped paying all of them recently ... I have just received a true copy of my original CCA from Halifax, back dating to 2001, so will now need to sort a repayment offer with them They are the only 1 from 5 to provide thus far, so tbh i still had a great result This is very true, i assumed info from a company like StepChange would be best i would get, not a mention or suggestion of doing CCA's came from the
  14. You've helped me once before (post4830039) with a 'parking charge notice'. I don't think I actually need help this time, but wanted to post on this site for general awareness in case there's a pattern in how this firm operates. I parked in a car park where controls are effective 08:00-18:30. The PCN shows I entered the car park at 18:08:25. I purchased a ticket (which I still have) at 18:12, paying £2 for 20 minutes as I didn't have anything smaller. The ticket I purchased shows the expiry time as 18:32 (ie, 2 minutes after parking controls ceased to be effective). Today I
  15. Hi I am sure plenty of members are aware of Labours National Executive Committees (NEC)decision to bar all members who joined in the last 6 months (100,000 people approximately) from voting in the new leadership race? That is unless you pay a £25.00 membership fee within the next two days? The questions I would like to pose are, a)Is it illegal to, retrospectively, change the constitution/rules to deny the’ new’ labour party members a chance to vote? b) How much would it cost to mount a legal challenge against their decision? c) Would the new Labour
  16. Hi, Hopefully you can help or give advice on what to do regards talkmobile and their total lack of understanding regards the issue I have at the moment. I have chatted online to them and was told they had escalated the matter and I should expect a call with 48 hours. After 2 weeks of no reply I rang them, The gentleman on the phone was firm and I was not put onto his supervisor/manager to discuss the matter. They stated they do not offer an sort of payment plan and the sum needed paying straight away or the phone will be cut off, it has already been cut off for sending texts or ringing peop
  17. Which? don’t think that you should have to read endless pages of baffling legal jargon just to make sure there are no unwelcome surprises in a contract. Earlier this year Which? launched a campaign to simplify terms and conditions. The Government has now announced that it has started a review of complicated terms and conditions, including a call for evidence. The Government hopes to reduce the risk of ‘nasty surprises’ hidden in opaque or lengthy T&Cs. This could involve fining businesses that don’t comply with consumer protection rules. http://press.which.co.uk/whi
  18. So this is a long story but a couple of months ago I had some signal issues at work with Vodafone (I know they are only contracted to provide signal to home) so I asked to see if I could cancel the contract (they put the price up past the RPI so I knew I could) and they asked if they gave me two months free would I consider staying. My signal issues wasn't a massive inconvenience at work, since you know, I was at work but still slightly annoying - as the deal was good with the two months free I advised that I would. The 1st month came along and vodafone sent me a bill, I advised the
  19. HI All I signed up to a boot camp, stayed for over a year then went through the cancellation process, which stated notify in writing and send back wrist band. No notification of a fee extra. I advised them due to health that i was cancelling, would send back the wrist bank, and i have just paid a full month so that was ok. They sent me a note back say they cannot accept my email as cancellation i would have to go online to their form and fill it in. Ok so got on there and filled in the form, then saw it wanted me to accept new terms and conditions on cancella
  20. While browsing through the current UJ pages of advertised jobs I came across a local job advertised by 'UK Recruitment' I never apply for jobs via the UJ site itself since the jobs are invariably advertised by other employment agencies that I use. On this occasion I clicked on the 'Apply' button to check on the what method of applying was required and found that in order to apply I would have to register with UK Recruitment. In order to register successfully I would have to agree to their terms and conditions which were listed as: By clicking submit, you accept our Terms &
  21. I have had an ongoing claim with Jet2 for compensation following a fight delay in Feb 2011. There are six family members in the group, my wife and I, and four children under 16. I am the lead passenger and paid for the flights and the booking was made using my Jet2 account. It was a technical fault and they have been using the “unexpected circumstances” excuse since 2011, and most recently said they were waiting the outcome of their appeal to the Supreme Court which they said would affect the outcome of my claim. When the Supreme Court refused permission for them to appeal, I wrote again
  22. I am appealing for advice in this case in which Barclays has failed over a 2 year period to put right errors on my mortgage account and now refuses to abide by the binding settlement terms. To confuse matters, the Ombudsman provided misleading information which led to me agreeing the terms and the complaint being closed while the issues are unresolved. Ombudsman has now washed its hands of the case and told me I need to sue Barclays. The Financial Services and Markets Act 2000 (FSMA 2000) makes an Ombudsman’s decision legally enforceable in court, but I can find no solicitor to tak
  23. Hi I purchased a washing machine in Dec 2012 and paid for a premier insurance so if my washing machine could not be fixed in 7 days I'd get a new one. On the 10th July I called as my machine was not emptying or spinning. It came up with an error18 which meant a blockage somewhere in the machine. I had to wait 4 days for an engineer. He came, replaced a part and left. My machine worked for 2 loads then the same error appeared the next day. I called and they couldn't get an engineer for another 5 days. They said if it needed a part then they'd order one. I mentioned my polic
  24. Or as they advised.... "changes to our small print". Have just received a letter from Npower advising they have made changes to their terms and conditions. Which apparently came into effect on 22 June 2015. Should they not have advised their customers that they WERE making changes before hand ?
  25. I've an ongoing saga with CABOT regarding an OPUS card which they say was my CITI card. Shouldn't I have had some notification of some sort from CITI when this change occurred? I've been waiting years for a CCA for my CITI card, but none has been forthcoming.
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