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Found 37 results

  1. Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape. He will be remembered as having cultivated such valuable lessons as: - Knowing when to come in out of the rain; - Why the early bird gets the worm; - Life isn't always fair; - And maybe it was my fault. Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition. Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children. It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion. Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims. Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault. Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement. Common Sense was preceded in death, -by his parents, Truth and Trust, -by his wife, Discretion, -by his daughter, Responsibility, -and by his son, Reason. He is survived by his 5 stepbrothers; - I Know My Rights - I Want It Now - Someone Else Is To Blame - I'm A Victim - Pay me for Doing Nothing Not many attended his funeral because so few realized he was gone.
  2. Hey, im hoping to get some advice on a debt that just won't go away. It started when I got a contract phone from 3 uk and the phone didn't work properly. I asked for a replacement but they said they could only repair so it went off for repair for a week and I got stuck with one of there lender brick phones. Then I got it back but it still had the same problem so again it went for repair and I got the brick lender phone again. Week later I got it back and still was broken, so i went in saying replace this or I'm ending the contract. They offered to send it away again I refused and took all add ons off the contract but they wouldn't let me stop the contract itself so i told them to stick the contract and left. That was about 2010 when I cancelled and refuse any more contact with them. Not long after lowell bought the debt and hassled me every week or 2 with colourful letters for years. I refused to have any contact with them at all. After years the letters got less and less until they stopped. Last letter I think was 5 years ago and they went quiet. A couple of weeks ago I got a very polite email from bw legal on behalf of lowell asking how they can help me settle the debt with lowell. I instantly sent back a statute barred reply because the debt was so old. I got a reply from them saying lowell took it to court in 2014 so not statute barred. I received no court judgement sent to my address. Now they are politely asking me to fill in a means form or do it online but i dont want to do anything to reactivate this debt for even longer. Can anyone give any advice I just refuse to pay on principle if anything.
  3. this is the 3rd POPLA success from 3 challenges against Northern Parking Services. Mine was the first last year, a work colleagues was second late last year(he got the decision in february. This third is for a pensioner friend of mine. They were all from the same place ,Cross street retail park,Long Eaton,Nottingham,NG10.
  4. I would like to know what the clearing times are for payments made by the DWP. I have heard some benefits are 5 days and others are 3. is this true? I had a payment released on Wednesday by the DWP so I would reckon I would get that Tuesday, Unless someone can correct me. I think this kind of information would be helpful to people here, The DWP are worse than useless at letting people know information like that. I'm sure someone here will have some knowledge about the process and I like many others will be grateful for the info.
  5. Hello, Im currently claiming ESA. I spoke to an adviser today asking when benefits are released from the system. I asked as I dont want any mistakes with my payment leading up to xmas and wanted to make sure if it was released. The adviser said that It hasnt been released She said if I dont get paid then to call back. I get paid every 2 weeks on a Thursday and thought payments were released monday mornings for payments on Thursdays? I called around 4pm if thats any help. Does anyone know when ESA payments are usually released for payments on a Thursday please? Thank you.
  6. Hi could you tell me is there a law that says a GP has to see a patient in x amount of days/weeks? My neighbour has tried to get an appointment with his GP and cannot get in until the new year!
  7. http://www.mirror.co.uk/money/high-street-banks-charging-customers-8381277 Got to get back some of that money they have been fined over the past couple of years !!
  8. Looking for some advice, Wife works in a primary school and has been late on a number of occasions 15 in total since Nov 15. most of this has been due to our daughter now 2 having problems with nursery attached to the school she works in. Headteacher pulled her into the office about it and gave her a management instruction and told her if she was late again it would go to a disciplinary. She explained to the headteacher that she was actually waiting to speak to him about the times. she said someone had been altering her signing in times on the fire register giving and example of 9.01am being changed to 9.07am with someone altering the 1 to a 7 making it appear she was later than it actually was. She also pointed out that some times had been altered showing she signed in before 9am her starting time to show after 9am. At first she thought it was a mistake but after seeing a few of these she though she better speak to the head as the office staff didn't seem to know anything about it. She stated to the Headteacher that this was possibly fraud and he said well that is a bit harsh I wouldn't put it like that. But I think I know who has been doing it, it was the office manager but in any event the management instruction still stands and that's the end of it. My wife is thinking if getting her union in for a meeting as the head seems to think it's acceptable for someone to alter a legal document?
  9. Dyson Airblade hand-driers spread 60 times more germs than standard air dryers, and 1,300 times more than standard paper towels, according to research published in the Journal of Applied Microbiology. http://www.msn.com/en-gb/news/uknews/dyson-airblades-spread-germs-1300-times-more-than-paper-towels/ar-BBrIqCG?ocid=spartandhp
  10. I haven't been on CAG for a while for the last 18 months I have had an ongoing battle with my electricity/gas supplier who have applied 3 times for a Right of Entry. Each time I have attended the magistrates court to contest the application and on two occasions it was refused and on one withdrawn . I just wanted to say it can be done and if you present your case calmly give an overview, a chronological history of who said/did what and when, actions you have taken, what you would like to happen and a conclusion, then the magistrates, at least in my experience, seem to appreciate you bothered to turn up and came down on my side. The three Enforcement Officers, all different, applying for the warrants at court have all been pleasant. One was so surprised I had turned up he said he wasn't going to apply for the warrant as he knew nothing about the back ground to the the issues surrounding the warrant application, so withdrew it. The second time, I went on the stand and the enforcement guy beforehand was actually very helpful. The third time he was OK but had a slight whiff of bailiff attitude about him. All three were woefully ill prepared and did not seem to have any information beyond they are there to gain a warrant. On the three occasions I have attended, I have been the only person with a warrant application for Right of Entry to have turned up. From what I saw the magistrates ask some very cursory questions and rubber stamp all the warrants. So my advice is take courage, go to the court, put your case and fight your corner even if it is just to by yourself some time.
  11. Why are the times on current posts (It's now 03.46) reading 02.46 ???
  12. Hi, I took out an on-line Times subscription in June 2014 which is due to end December 2015 (18 months) In January my payment method changed and early Feb I rang customer services to provide them with my new payment method and to make two payments to bring the account up to date. Early march I received an email informing me that my subscription had been cancelled (by them) on the 21st Feb and that the whole subscription was now owed and if not paid court proceedings would begin. I called them and explained two payments had been made and the account was up to date. They could not find the two payments (only one) and, after basically calling me a liar, insisted I provide a copy of my bank statement to prove the payments. I did this on the 2nd March and was told they would be in contact. Today I received a letter informing me that court action will be taken if I don't pay the full subscription of £303!! Where do I stand with this? The provider has cancelled the contract ( I was not in breach) and has not provided the agreed service since 21st Feb 2015. To be frank, I haven't missed this service and the way I have been treated no longer want it. As they have cancelled the service and subscription and I'm not in breach of contract can I simply walk away? Help appreciated.
  13. Hi lovely people, I haven't been on this site for ages but I remember last time I had a problem I found it invaluable. Right, this is a long and complicated juicy nightmare ebay problem which I refuse to back down from. To start with, I bought a perfume from ebay - all looked fine on the description, seller had good feedback so I went ahead and bid. On receipt of the perfume I noticed it was a blatant fake and contacted the seller straight away. She seemed friendly and said it was a gift and had not realised it was a counterfeit as it was sealed. We arranged for me to send it back to her and she gave me her address and said that she had already refunded me. I know from experience that sometimes refunds take a few days to clear and I went ahead and sent it back. First mistake, I know, and second mistake - I sent it back just as normal 2nd class, with no tracking. I have never sent anything back before on ebay to a seller and was not aware of their tracking policy. I then realised that I had been conned as I never received the refund. The seller didn't contact me regardless of the messages I sent her off to ring up ebay customer services. Rang them and they said that I had to open a case against her but because I didn't have a tracking number they could not confirm if she had received the item back or not so could not refund me. I had to wait a few days whilst they tried to make contact. Obviously the seller did not respond to their messages every time I rang them about it they kept churning out the no tracking number spiel, so no refund. In the end they closed the case saying that they could not verify delivery. In the meantime I noticed that the seller had received another negative feedback regarding selling a counterfeit perfume. I appealed the case and highlighted this fact but again the same response from ebay. They suggested I tried to contact royal mail and try and get compensation. I reluctantly started a process with Royal stating that it might be lost in the post, hoping that maybe they could track it down. On Friday this week to my utter surprise I received the 'perfume' back. On the label that the post office stuck on 'item never called for' was ticked before it was returned to sender. I was really happy and optimistically thought that I could now get this sorted. I contacted ebay customer support stating that I would like the case reopened as I now have the perfume back and could they please advise me what to do next. In response they said: "In this case, we cannot verify the item was held at the post office or was returned to the sender as we have not received a valid tracking number so we have closed this case without issuing you a refund. Please understand that we’re also unable to grant an appeal on this case." ??? Not sure if I am being thick but I have the parcel back with the stickers on etc, I can verify the situation. I even took photos of the package and uploaded them to my one drive with a link that I pasted into the reply as there did not seem to be a way of attaching images. I said to them that this is the evidence that proves that the item was held at the post office. I went on further to ask them directly if I should send it back to the seller as track and trace this time so that they could keep tabs on it being returned. I didn't want to do anything with out their confirmation. This was their reply: "In this case, as you did not supply valid tracking showing the item had been delivered back to the seller, we closed the case without issuing you with a refund. For this same reason, we’re not able to approve your appeal." BUT I HAVE THE PERFUME BACK!!!! Arrghhh. This surely cannot be fair. It is not worth ringing them again as I get so frustrated and I will probably end up crying! Can anyone please advise me what I should do? I am thinking of writing to the ebay head office (I have their address) and even sending them the perfume as I don't want the thing. Someone even mentioned contacting the perfume company (in this case PRADA) stating that ebay have allowed this to happen and that the seller of the counterfeit product has made money from the transaction and has got off scott free. Another reason why this has upset me so much is that this was supposed to be a birthday present from my family who have saved up to give me the money and I feel like I need take this further. Many thanks in advance for your help and for reading my plight. I know I made some blatant mistakes but I now feel like I am in the right but ebay have washed their hand of me.
  14. Purchased a car from a main dealer who in previous experience we had received good service. However, purchased a car almost £7k, low mileage, service history, 12 months warranty and MOT. Payment was part cash and part finance. On the original test drive we heard a noise and was told by the salesman that it was the brakes from being parked for awhile and would soon settle down. To be reassured, we took another test drive in it at different time of day on different roads and the noise was quieter, albeit still there. The dealer agreed to carry out a full service and MOT at no extra charge and we arranged the finance with their colleague. Within a week we were getting an engine maintenance light come on and took the vehicle back to the dealer. We waited with it and within an hour they said they had 'cleared' the fault. We drove half a mile down the road and the same warning appeared on the dash so turned around and returned to the dealer. We booked it in for them to investigate it further and once again they said it was 'fixed' but it returned again a few days later. Eventually, they managed to clear it. The fuel consumption is absolutely ridiculous but we put some of that down to the model and engine size not being sufficient enough to carry the load, as lots of owners reported similar. Last week they had the car again to investigate the original noise which hadn't gone and they said it was rear brake pads and discs but agreed to contribute half towards it having had a hissy fit in front of the service manager, lol. The dealership agreed the noise was still there after they test drove it having done the brakes and it was booked in again for today with a courtesy car available until they get it resolved. They attempted to charge me for the insurance on the courtesy car but I stood my ground. So, my question is this: as there is some finance on the vehicle and we've had so many problems with it, can we approach the finance company as they are jointly liable and if so, what could be a reasonable outcome? Not looking for crystal ball answers, just legally how do we stand please?
  15. 'E-cigarettes are more harmful than regular tobacco with (up to) 10 times the level of cancer-causing carcinogens, Japanese scientists have claimed' http://www.ibtimes.co.uk/new-research-japan-claims-e-cigarettes-contain-10-times-amount-carcinogens-regular-tobacco-1476932
  16. Most of the major energy companies in the UK have reduced the time it takes customers to switch suppliers to 17 days. That’s down from five weeks last year but still short of the Government’s target of 24 hours. This means that the switch will take just three days, followed by the statutory 14-day cooling off period in which customers would be able to cancel the move. So far, The following suppliers are offering switching in 17 days: British Gas Ecotricity EDF E.on First Utility Good Energy Npower Spark Utility Warehouse GnERGY http://www.energylivenews.com/2015/01/14/energy-suppliers-cut-switching-times/
  17. Interesting PPI article on page 84 of the Times today.
  18. Pensioner collects £5,000 windfall after contacting scheme to find out why he hadn't won for a decade Gerald Sargent thought he might be unluckier than most. While friends and family seemed to be regularly winning cash prizes on the Premium Bonds, his numbers had not come up for years. So the 80-year-old contacted National Savings and Investments (NS&I), which runs the scheme, and was staggered to discover that he had won 124 times over the past decade. He is now celebrating a Christmas windfall of £5,325 after the cheques were mailed – plus a 125th pay-out for £2,094.94 in compensation to make up for the interest he lost out on. Read more: http://www.dailymail.co.uk/news/article-2528627/I-waited-ten-years-Premium-Bond-prize-Id-won-124-Pensioner-collects-5-000-windfall-contacting-scheme-hadnt-won-decade.html#ixzz2pEuZMRLI You can check if you have any unclaimed Premium Bond prizes by entering your your Premium Bonds holder's number (not your Bond number or NS&I number) Here To search for dormant bank and building society accounts, National Savings and Investments products as well as the old Post Office Savings Bank accounts and missing Premium Bonds. See mylostaccount here
  19. Hello, OK it's probably a teeny tiny bit early to ask this question but I was wondering if anyone knew the dates the Job Centre will be open during the Christmas/New Year period this year? They usually release the dates on a website somewhere but I cant find it. I want to go spend Christmas with my sister in Peterborough this year (I live in Leeds) and one of my signing days falls on Friday 27th December, knowing my luck it will be open on that day and I will have to rush back to Leeds to make my appointment at 9AM lol. Someone told me you can book a "holiday" from signing on, does anyone know if thats true and if so do you still get paid in that period?.
  20. Finally realised that we ( my wife and I ) have a debt problem after many years on the hamster wheel of borrowing to pay off existing debt. In the process of speaking to debt management charities to get things started, any advise gratefully accepted. For those of you interested I will post progress good and bad as I have read some posts on this site that have helped with deciding to take the first step.
  21. An investigation by The Times into Lloyds Banking Group has found contractors employed at its largest PPI complaint handling unit were taught how to “play the system” to the detriment of clients. An undercover Times reporter went through the recruitment and training process to work as a PPI complaint handler at Royal Mint Court in London. According to the paper, the reporter was told: • Some bank salesmen had faked PPI information in agreements on loan sales; • Complaint handlers should effectively turn a blind eye to the risk of fraud; • The majority of customers would give up pursuing their complaint if the bank rejected it the first time around; • That a job as a PPI complaint handler could be “morally difficult”. The investigation also found: • A document which openly concedes that Lloyds has lost some crucial customer evidence; • Staff breached customers’ privacy under the Data Protection Act on some occasions; • That the entire operation was based on the assumption that Lloyds’ salesmen never mis-sold PPI. According to The Times, Lloyds said yesterday it had terminated its contract with Deloitte, the company responsible for running the complaints unit, after investigating “issues” at Royal Mint Court. Deloitte had run the operation since 2011. Lloyds said Royal Mint Court employees were now being re-trained by a new supplier “in line with our policies and procedures”. The bank added: “Some of the comments made by trainers to your reporter are not endorsed by Lloyds Banking Group and we believe they do not reflect our high training standards or our policies. We believe the comments to be isolated and they are now being addressed.” Deloitte said that it could not comment on specifics because of client confidentiality, but added: “Deloitte’s role was to process PPI mis-selling complaints from Lloyds Banking Group customers who were sold policies by the bank, in accordance with policies and procedures.” Link: http://www.mortgagestrategy.co.uk/latest-news/times-investigation-exposes-lloyds-ppi-complaints-failures/1072547.article
  22. Since February 2012 some people have had to wait almost 11 months for their FLR(M) visa application to be processed by the UKBA . Although most of us don't believe in miracles, it seems that the UKBA is now starting to get on top of the backlog, although they still have a good number of 9+ months outstanding. For people who applied after July 2012 the processing time was 3 months, which as many UKBA responses on the FOI site point out, they do everything date order .... erm!!!!!
  23. I have already submitted a ppi claim to Natwest which I believe is with the calculations dept! 2 questions really. 1) They have just requested authority from my husband as the main policy holder which has really bugged me as this is the first time since the claim was submitted so surely they should have requested this before. Delay tactics? 2) We are on a DMP with cccs atm and the company I am claiming against are 1 of our creditors. The claims are for 4 closed loan accounts. The remaining loan account has already been ccj'd and has a court order to pay a set amount each month. My quextion is, can they or are they likely to offset any claim award against this account with a court ordered payment in place already. I could really do with the payment to fix a few house problems and fix my car which I need for work. any remaining would go to our credittors but I think it should go pro rata not just to natwest. Have any of you guys had the cheque straight to you? I don't intend to waste the money but think it should be my decision who get what! I am also considering a self managed dmp as I don't think cccs have helped that much and were useless when natwest took us to court.
  24. I have two defaults on my CRF which come up for 6 years pretty soon. Another creditor has just placed a default 4 years after the account defaulted. I know OFT Guidelines state between 3-6 months, but they're only guidelines not law. This means my CRF is now wrecked for 4 years longer than it needs to be. Is there anything I can do?
  25. And the DVLA does nothing And the BPA does nothing (no surprises there) And they try to tell us that POPLA is independent!!! Oh how we laughed.
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