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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. Long story short, I used the car park and then paid before I left however I still received a parking charge notice. Is there anything I can do to appeal this? I have not contacted Horizon Parking as of yet, I haven't appealed either. Below are some info you might need: The parking works by you entering your reg number to a parking metre/display before LEAVING and then paying the amount it states on the screen. I paid the amount it said and then left within 5 minutes of paying. I paid by cash so I don't have bank proof. I don't have any receipts as I accident
  3. Hi I have employment hearing coming up. So far I was confident but now nervous. I left it too late now can not find representative. CAB can not help as no resources. I have been dismissed unfairly based on work related stress leave. I though my employer will look into issue but they said forget everything and move on. It was very difficult for me. They did accept error but after my dismissal. They said they have followed their policy. Statement has been exchanged 3 weeks ago but todays date they still keep adding pages to the bundle. Can they do it? What happens to the
  4. bit long winded this one, sorry folks. I had been working for an outsourced company in a well known bank. Whilst in training I received strange emails from the trainer. This was following from a conversation in training were I asked a question. He explained (in answer to my question) it was in relation to couples who had a joint account and subsequently split. He said “say you and I were in a relationship”. Three days later I’ve seen he’s gone into my email and sent himself an email from my account/computer “that joint account we were talking about, do you fancy it? Can we get back t
  5. Justice Secretary announces victim compensation scheme review, scraps unfair rule READ MORE HERE: https://www.gov.uk/government/news/justice-secretary-announces-victim-compensation-scheme-review-scraps-unfair-rule
  6. I have only just discovered this site since having 8 properties taken over by LPA Receivers. I am desparately trying to find out what to do next. I read that I can make an Application to Court to get control of sales. Please is there an expert who can tell me how to word tha application? I am scared of making an awful situation even worse if that is possible!!!
  7. The landlords (a company) and I are butting heads about both these issues. Claim damage to furniture: I have had to destroy 3 pieces of furniture due to mould. The mould I believe was caused due to a poor sealing window in our bedroom therefore letting in moisture. The landlords knew about this within a couple of months of moving in and never corrected it. I tried every year before winter to add my own seal but that ultimately fails. And heating the room was so expensive, as I believe there was no wall insulation as there were black spots of mould on 3 out of 4 walls and the nois
  8. I received a written warning at work without any hearing or evidence or disciplinary meeting... just the warning based on what some colleagues said. I raised a grievance as I felt this warning discriminated against me as I work in an all male team, I felt the complaint wouldn't have been raised if I was a male on the team. I also feel that the process would have been dealt with differently if I was a male on the team. They then dismissed me 2 weeks later after I submitted my written grievance. I'm trying to get an understanding of whether disciplinary action can actually be discri
  9. Hi. Wondered if someone could help with my ET please. I am doing this alone so any help would be very much appreciated. My complaint is quite long so Ill just keep the headlines. In reality I was made redundant due to a breakdown in work relationships. My notice of dismissal and paperwork shows I was dismissed because of redundancy. My role was still in existance and therefore my argument is that I could not have been made "redundant". I was given redundancy pay. I submitted my ET claim for unfair dissmissal. The organisation sent a load of gumpf back. Most of which doesn't seem rele
  10. Hello all, I was recently recommended to look at this page first time poster, just quickly want to say how great it is. I am having a problem with my landlord trying to deduct almost my entire deposit for work he supposedly carried out to the property following us leaving. I have lived at many rented houses before and I have never ever had a problem with getting my entire deposit back previously, so clearly something isn't right. What’s worse is the house in dispute I actually went above and beyond the call of duty to make it nice before I left. The reason I did this was because we go
  11. Hi everyone, I'm new on the CAG Forum but was directed here by the good folks at MSE. I have long suffered at the hands of Blemain/Together. I foolishly applied for a second charge loan over a decade ago. It has been the (most expensive) bane of my life ever since. I recently received a letter from Together stating that my original loan has now past its term. It says, As you will be aware, your account with us has now reached the end of the original contractual term. As your monthly repayments have not been sufficient to fully repay the balance, the
  12. 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
  13. hello I had an interview with a health care professional ( HCP) When I arrived the HCP said he had 'not' read my questionnaire form This bothered me inside because i was hoping the HCP would be up to date with my condition and i could then just reaffirm what i had said in the form and add a bit here and there. On one of my first questions he asked me, i decided to elaborate a bit, to inform the HCP that my condition varies due to my depression and sleeping issues.. .but he interrupted and said "i only want short answers such as yes or no." I had no proper
  14. Hi, On 18 Nov 17 I received a Parking Charge Notice (PCN) through the post stating that my vehicle was parked longer than the maximum period allowed on 07 Nov 17. On the 19 Nov 17 I sent the following appeal to ECP: Dear ECP As the registered keeper of the vehicle, registration xxxx xxx, I have received your invoice number xxxxxxxxxxx. The driver at the time tells me that they did not notice any signs telling them about the time limit and that the fact that it’s a free car park they didn’t even think of looking for such sign. Whilst parked she was shopping at Tesco
  15. Hi everyone, I'm hoping for a bit of advice on this. My son has an account with Vodafone. He is 19 and the whole thing has turned into a bit of a nightmare! He lost his phone last year but continued to make payments on his account. He made a payment in July and then received a letter in September about the account being in default. As he is only 19, I have been dealing with the matter on his behalf and we have been passed from pillar to post with various people as he no longer has the phone. When I found out that the account was going into default, I phoned Vodafon
  16. HI all, Its a long time since I have been on the forum however can you give me advice please. I have a car loan with Barclays Bank. I have never missed a payment. I was made redundant in July and when I received my redundancy pay I called Barclays and asked if I could pay off a lump sum and then reduce the monthly payment.i.e pay off 50% of the loan and keep the term the same. I was told I could pay lump sum but it would not reduce the payment only the term. I think this is unfair. I have now excercised my right to terminate the agreement and the money I was going to pa
  17. Can anyone advise on whether the following is a valid Pilon clause and therefore imediatly dissmiss under the contract? The company policy is to pay the the statutoury maximunm redundancy payment. Whether or not the notice period will be worked will be at the company discretion. Regards
  18. Sounds familiar!! I thought it was my imagination… I was stitched up like a kipper by the biased district judges!!
  19. Hi. im after some advice on how to proceed against SCS for what i believe to be unfair terms/treatment. We went to the store on Tues 30 May 17, approx 20 mins before the store closed. Having seen a sofa set (3 and 2 seater) we liked, we decided to place an order using the 0% interest payment option over 48 months. The salesman was in a rush to push the order through due to the fact that the store was soon to shut. In a nutshell, 20 days later we wanted to cancel the order in total due to no longer needing the sofa. I rang the store to advise and i was told that SCS
  20. I was given a TFL Overground Penalty Fare Notice last Monday for quite a silly reason which goes: I'm tapping in at Clapton, on my way to Liverpool Street. It's 9AM Monday morning, and as expected rather busy. The Oyster machine tells me I haven't got enough money - negative balance - I'm waiting for the machine to free up. By now there's 2 minutes till the train comes, I'm on my way to a funeral and don't really have time to wait around. With around a minute to go, the machine is finally free, I see i have a negative balance of 40p and put in
  21. I think this is the right place for this. Please move if not. http://www.independent.co.uk/news/education/education-news/pay-deductions-teachers-supreme-court-ruling-strike-precedent-a7753991.html
  22. Hi I require some legal help for a friend who attended court today and lost due to unfair judgement my friend rented a property off the books (no tenancy agreement and cash rent payment) for 4 years she decided to rent a place with a garden so told the landlord she was moving out, the landlord was not happy as this ruined his pension plans (landlords words) so she decided to take my friend to court claiming she broke 2 beds, ripped stair carpet left the house with mould around windows and left the property in a mess and had to renovate which was rubbish as the landlord sold i
  23. Hi, my 19 year old son who has recently been diagnosed with depression got himself into a muddle with his banking due to inexperience and the ease of contactless payments. He was paying charges of £80 per month for the majority of a year and was unable to get himself out of the financial mess he had got himself in. Once I became aware I advised him to speak to the bank HSBC and ask them to give him an authorised overdraft so he could limit his charges and get himself out if the situation he found himself in. He contacted HSBC and as he failed a credit score (no surpri
  24. Hi, I feel so alone and ganged up on in my situation of work. I had been at this job for around 5 months - 3 and a half months contractually as i started off temporary at first. I was given the role of Manager when i only applied for front of house, i had NO experience and they knew this but gave me the role anyway. I was also bought a mobile phone as they asked me to help them with social media but my phone at the time wasn't capable of doing the things they needed. The phone was said to be MINE as a way to get me to accept their job offer as at the time i had another that was
  25. My close frend has been verbally dismissed from her chef job in London . We are gathering data as we speak- this happened today , advice please Kx
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