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Found 20 results

  1. I wanted to start this thread as a middle ground for 'What made you smile/swear today.' We have thoughts which don't make us smile or swear but you contemplate on an issue. What concerns you, what worries you, how you would rectify it. There's also the good things that work, you may have new ideas, a space for any thoughts you have on your mind. My thought today is how large privatised companies can hold the country to ransom, being big and powerful and if there's a problem you will do our bidding. The Banks and energy companies come to mind.
  2. Just asking for thoughts on this I know of a local limited company the average turn over is about 20k - 30k (but a 50k loss this year) We know the owners personally and for a while now we have had suspicions that for a while now they have been using the business account to pay for their personal life we have images on Facebook of multiple expensive purchases including cars, holiday houses, jewelry etc This year the business accounts seem to back this up, the directors account for the Year state that the directors account loans due has gone up to 200k due within 12 months this i
  3. Hello, looking for some advice please. I'll try and keep this as short and to the point as I can given the complex circumstances! I started a new job last month & my contract (that was advertised in the job description is 35hrs per week Monday to Friday.) But my line manager (not my 'overall' manager), who interviewed me for the job said at the time that occasionally there will be weekend work i.e. if there are small events on and I said to him verbally, that's fine. However, since I started just over one month and a half ago, I've currently worked three weekends (Satu
  4. Well i have never seen anything like it. I have been watching the weather models like a hawk.For a week or so. Not one of them is sure what is going to happen. I watched one weather presenter very experienced guy,even say so on the BBC. However one thing seems to becoming clearer,it is not going to be like last year.All the Atlantic storms rolling in one after another. This could be a winter to remember. I enjoy the storms as being a beachcomber this is when i collect many things from the shoreline. But understand it is hell for others. Latest is that we could have a wint
  5. I have just found out something worrying via the Credit reference agency's and just wanted to see what other peoples views are on this matter, if any. In my opinion this is worrying because I don't think many people know that information that may be needed in the future is lost in the past If you the public do not act. let me explain, Recently I asked Experian If I could see my credit file for the whole month of September 2009 as I believed that a certain company had been doing some wrong things to my credit files and I needed to prove that they were unlawfully readjusting a default
  6. Hi all, I reclaimed my PPI from a number of lenders a few years ago using the great advice and letters etc on here, eternally grateful for that! But.... I've had a few calls from claim companies over the last few months and they claim that a lot of lenders knowingly underpaid on PPI claims and that more is owed. I was wondering if there's any truth to that and, if so, would it be a case of following the same process as previously to claim the extra owed? Thanks, Nick
  7. Psychoactive Substances Act 2016 your thoughts? This can be found here >> http://www.legislation.gov.uk/ukpga/2016/2/pdfs/ukpga_20160002_en.pdf It has Royal Assent now I believe? Introductory 1 Overview (1) This Act contains provision about psychoactive substances. (2) Section 2 defines what is meant by a “psychoactive substance”. (3) Sections 4 to 10 contain provision about offences relating to psychoactive substances. (4) Section 11 provides for exceptions to those offences. (5) Sections 12 to 35 contain powers for dealing with prohibited activi
  8. Hi folks Just before Christmas I had a MCOL claim from Cabot via Restons Solicitors (for an old credit card - claim value approximately £1600 formerly with Cap 1). I filed an acknowledgement of service and sent the appropriate s78 CCA and CPR 31.14 notices. I had a smiliar claim against me from another creditor about 2 years ago and was able to submit the defence in good time. The s78 and CPR letters were sent by me unsigned. Yesterday Restons returned my letter saying that whilst it purportedly came from me, without a signature they are not able to do anything fu
  9. Hey guys, recently the shop I work at has had a few issues and I'm hoping to know where I (and a couple others) stand with things. Looking through my paperwork re; issues recently I can't find a copy of my contract. I also do not remember if I ever signed one (I may or may not have). Iirc they have 3 months from me starting to issue me a copy (if I did sign one). If I DIDNT sign one, under what terms am I actually working if anything came to a head? On the above note, several times recently in conversation it's come up that 'staff must be flexible' regarding their hours and that it'
  10. Hello all, Please accept my apologies if my post is in the wrong place. I don't have a complaint as such, more a general observation that raises a safety issue across multiple vehicle manufacturers and I wanted to hear the thoughts of those on the forum. Over the past few years I've noticed a marked increase in the number of vehicles being driven in poor or dark conditions with no headlights on. Drivers failing to turn on their headlights when conditions dictate they should appears to have risen in line with the greater prevalence of cars on the road fitted with daylight running ligh
  11. Was surfing today found a bit of info that maybe of interest quoted below in regards to making a debtor pay in full without allowing them time to pay. If the company are "directed to accept" then this MUST be allowed then rather than take full payment only! Sorry in advance for the long read of the link, but I think it may help others in the future not to struggle in finding all of the money for all of the debt in one go. "Increasingly under the TCE regulations, the fact that HCEOs are directed to accept instalment arrangements over a longer period, has led to the life of the
  12. Hi Both myself and my wife ended up being criminals by getting caught speeding on the Grimsby Parkway by some stealth cameras both vat different times, both doing 36mph in a 40mph area. There has been loads of complaints about the speed limit as it is on an area of road surrounded by high walls and no pedestrian access - some would call it a cash cow. Even the Chief Constable got caught ! 6 weeks after receiving the NIP the speed limit has been raised to 40mph ! My query is whether or not there are any precedents in challenging the case based on it clearly having been a
  13. Ok, lets start with a bit of background. Just over 2 years ago I was on ESA due for stress and anxiety and was referred to "the work program" During that time My marriage broke down and I moved from Cornwall to Lancashire for a fresh start. Out of the 2 years on "the work program" I was actually working for about 18 months of the time. The support when I moved was at best negligable but mostly non existent. About 6 weeks ago I had to give up my self employed freelance HGV driving due to a small bump. It was not so much the bump but the fall out and accusations that came from it led m
  14. Hi I have recently been signed off for a month and it could be longer I have a terminal illness and although I was off sick a long time ago (3yrs) been ok ever since. Employed for nearly 6 yrs, no pension Ha Ha but will not return to current job for 1 yr although could get a driver, or work in the office so not an unreasonable adjustment in my opinion. Anyway the question is what would be a normal time span before the co make noises about getting rid of me? and what would be the normal process, given that company has always been reasonable and are a fairly large employer?
  15. Following on from a few threads on MSE, and Pepipoo, where one poster has been very keen for posters to start claims against PPC's using the Equality Act, if they use a requirement to display a blue badge. The argument has been the Equality Act applies to motorists, and "reasonable adjustment" should be made, and very little if any proof is required of any disability, let alone a blue badge, so the PPC is acting unlawfully to the Act. The Equality Act obviously does apply, but another poster asked the question, why can the council insist on a blue badge, if no-one else can, as the Eq
  16. Sorry if I am a bit dim here...just my thoughts. As my assessment time is looming, and I fully expect Incapacity gone and a transfer to either ESA if am lucky, or JSA if not so. Rather than declare myself unfit and left with no money I would be effectively forced to say otherwise? despite my diagnosis of illessess and info given to atossers/dwp. I haven't seen the JSA forms, but would hopefully find somewhere to write my illnesses down, and that as atos/dwp genuinely feel I am fit to work then I feel I have no choice but to comply. My opinion on it and medical reports don't count..h
  17. House worth 90K ? , Interest only mortgage 60k expires in 2 years, Joint paragon secured loan ( 37k left ) expires in 2018 House unsaleable due to wall cracks and condition, other houses in street have sat unsold for months. Will be retiring in 2 years at 60. Hoping to move to rented property in a couple of months. In DMP since 2005, currently down to 25K after PPI claims Wife already retired on £60 per month pension. Any thoughts or advice ?
  18. This is completely true and to the point but I would just like an opinion on how it reads and whether or not its worth adding a few bits and pieces. I didn't know whether to back certain pieces up with OFT guidelines as they should know them anyways, such as 3.3 - k. "ignoring or disregarding debtors' reasonable requests in respect of when, where and how to contact them". And perhaps also quoting "In the OFT's view, creditors should consider reducing or stopping interest and charges where a borrower evidences that he is in financial difficulty and is unable to meet repayments as they
  19. Hello good people of the CAG My first post I've spent a while in here looking through the numerous threads and articles. I wish I had found you sooner. What a truly amazing community. It's also good to know I'm not alone... It's also great to see there really are some amazingly generous individuals giving their time and effort to resolve other peoples problems! OVERVIEW MBNA Credit card with PPI for many years from at least 1997 to 200x when the account was closed and paid off in full. I had heard over the years about the mis selling of PPI, I knew I used to
  20. Good afternoon everyone, I bought an Audi Q7 from a garage a few weeks ago and have found that it has a number of faults. The Aircon is not working, pads and discs need changing, missing a service although it was stated as having FSH, 2x tyres need changing as they only have 2mm of tread on (I should have checked I know), new wipers front and rear and a few other small defects. This car was described as being in excellant condition. The garage doesnt want anything more to do with it so I`m going through the legal route. Opinions please.
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