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  1. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  2. Hi All This is my first post as I'm currently having issues with Samsonite and a suitcase I bought. I bought a small cabin bag size suitcase from a genuine Samsonite outlet store in York during the Black Friday sales at the end of November. It cost £41 which I knew was really cheap for Samsonite as I already have a couple of their cases. I used the case for the first time during a trip to London in mid January, during which time the retractable handle broke while waking along a train platform (so much fun!). I took the case back to the Samsonite store where I purchased it, a
  3. Hi, Just after some advice and opinion. My better half's holiday year runs out at the end of March 19 and her employer operates a "use it or lose it" policy. She has asked for some time off, and they have said that they cannot facilitate her absence due to low staff levels along with others being on leave. They have also informed her that as she cannot use it, she will ultimately lose it. Is this correct and will she have no option but to lose out on leave entitlement, even though its the employer preventing her from using the holiday entitlement? Most years she
  4. Hi, I've just found myself in a situation, whereby I was caught without money in my account on the day by DD was due - and now I'm being charged the £25. However, I would like to carry on using the gym, - and not pay the £25 - is that possible? Very annoyed, as I really am enjoying the gym - particularly because it's a good hobby when I don't have much money! However, my integrity is swelling, and I can't bring myself to let them rob me.
  5. Home Secretary statement on the use of DNA evidence in immigration applications READ MORE HERE: https://www.gov.uk/government/speeches/home-secretary-statement-on-the-use-of-dna-evidence-in-immigration-applications
  6. Not sure if this has been mentioned yet but just been on the Universal Job match website and saw this : Universal Jobmatch will be replaced by the Find a job service on 14 May 2018. Important: If you have an existing Universal Jobmatch account it will not move to the new service. Save any information you want to keep, like your CV, cover letters and application history by 17 June 2018.
  7. Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which
  8. Got stopped by 4 traffic police cars (that were on a roundabout) they checked insurance and driving license which was all good ! Then started looking around the car and said 3 tyres were rubbing as the car is lowered but not excessive (can send pictures on request) They told me they didn't know if it was legal or not so they took pictures to send away to be examined. they also threatened to take my car away from me but in the end they let me drive away. also the accident happened on 27th of june and I received the letter on 12 of july. does it matter that they sent the let
  9. Open Consultation Banning the use of combustible materials in the external walls of high-rise residential buildings READ MORE HERE: https://www.gov.uk/government/consultations/banning-the-use-of-combustible-materials-in-the-external-walls-of-high-rise-residential-buildings Important please be aware this consultation closes at 11:45pm on 14 August 2018
  10. Hiya! Im hoping to get some advice for my partner on an ongoing work issue. My partner works for a company where it relies heavily on contact with customers. This company has always said that because people now a days have a mobile phone plan that includes unlimited minuites and texts they dont see why they should supply a mobile phone or contribute to the bill. This company give every customer my partners personal phone number to contact him on. My partner now has had his phone temporarily cut off ( this is due to having to make a call to India for work purposes which they have not
  11. I purchased a phone case from the company Spigen through their eBay store on 6 November 2017. Over a month ago, I discovered there were cracks on the back of the case. Neither the phone or case have had any form of impact since purchase. I contacted Spigen and asked if they are able to help. They refused because I was outside of their three-month warranty, and offered me a 'slight discount' from any new purchase. I explained that I am covered under the Consumer Rights Act 2015, but they continued to reiterate that they cannot help. The company has also refused to use an ADR scheme.
  12. Hello. My employer has CCTV pretty much everywhere on the premises and uses it in Disciplinary matters. I notice that they have not registered with the ICO to use the CCTV. Should they have and, if so, why wouldn't they have? Laziness / didn't know that they had to, etc?
  13. Alert for charities - use the regulated financial sector READ MORE HERE: https://www.gov.uk/government/news/alert-for-charities-use-the-regulated-financial-sector
  14. Aquilon Medical Nebulisers: people urged to stop use immediately READ MORE HERE: https://www.gov.uk/government/news/aquilon-medical-nebulisers-people-urged-to-stop-use-immediately
  15. Hi guys I searched the forum but couldn't find any info on the situation I'm in. I was on JSA from October to mid November 2017. I got a part-time job which guaranteed me 12 hours a week. I started that on 14th November. They gave me a contract until 31st December. However, they cut that short as work had diminished. i left my job on 14th December. In the four weeks I worked there, I worked 24 hours in weeks 1 and 2, and 12 hours in weeks 3 and 4. After week 3 had finished, I called JSA to see if I could get extra benefit money as I had only worked
  16. I'm Genes1s and a first-timer so forgive me for the myriad of details buzzing around in my head on this. Advance thanks to those of you who add serious value to this site and may feel inclined to offer your opinions. Evening of Monday 23Oct17 my husband bent under pressure and bought me a new Aerolite case from a local store [luggage+shoe-repairer+key-cutter] for my 2-week trip to Miami the next day Tues 24Oct. Really pleased with choice: hard steel grey outer with 360deg wheels where you can pack in both case sides, weight indicator, sturdy handle when horizontal and
  17. I am needing to apply for a mortgage asap. Im a LTD company self employed contractor. There is a wrong default on my Equifax and Callcredit reports. Experian is absolutely fine. I have only been contracting for 16 months and so the likes of Halifax wont touch me. I have written to the FOS to get the details corrected but this may take time. Can you tell me what lenders only use Experian or suggest who i could check with. The brokers dont have this information. There is an article on MSE but its incorrect, it says Nationwide only use Experian, i called them and they s
  18. Most days we see a number of complaints on CAG, where DVLA have not received notifications sent to them in the post. This leads to letters, court claims and sometimes bailiff visits. Can CAG please publicise what DVLA notifications can be done online, as it might save people having problems, after notifications e.g vehicles sold, get lost in the post. https://www.gov.uk/government/organisations/driver-and-vehicle-licensing-agency The link above confirms what can be done online. Personally, i would not send anything in the post to DVLA unless i had to and then i would keep
  19. Quick question, been awarded enhanced rate mobility on my PIP, was informed that as well as free RFL, I can also have a ''C'' added to my bus pass. (so a companion can travel with me for free also) Went to my LA to be told that ''You do know that you can only use it with a companion and not on your own?'' Actually no, I didn't know, and it was the first time I'd ever heard of it! So, I'm calling her bluff, and wondered if anyone knows the real answer, or where I could possibly get the answer from....please, pretty please. TIA.. BB
  20. They want to Evict me,can you help. Can someone please advise what I can do to stop Elderbridge (company that purchased from Barclays, all Firstplus accounts) evicting me from my house, I have received a letter today from Elderbridge stating that they are instructing their solicitors (Eversheds) to ask the court to set a date for Elderbridge to take possession of my property. What I want to know is if they can do this as the original repossession order was granted to Firstplus who have gone bust (and then taken on by Barclays as they were the bank that set up Firstplus)
  21. I have recently contacted this company regarding a claim. The person who dealt with my call was aggressive and hostile and frequently interrupted me/ talked over me. Aside from this poor communication, the employee continued to insist that a part could be fixed when in fact I had been advised by two separate garages that it could not and would have to be replaced. Then he proceeded to blame the garage. They insist that they will only cover the amount of the part if it had been repaired but of course it cannot be repaired. Has anyone else dealt with this company? Any tips?
  22. Afternoon one and all. Hope you're all doing well? I was hoping that someone might be able to advice me of something just milling around my head. On the 7th of April, I found a car on Gumtree and entered into a conversation with the seller. After a while, my gut instinct was literally going ten to a dozen because the seller said that he wanted to sell the car to me using a third party, gullible as I am, I researched the said third party which was Reedy's Trading Group. I did quite a bit of research on Reedy's Trading Group and found many a website that verified that they we
  23. I successfully applied for planning permission last year to convert a townhouse garage into habitable space. Whilst often no planning permission is required for this, there are special parameters around parking on my street which meant I needed to apply. The street is a row of about 20 identical (not mirror-image) townhouses in a row. As part of my submission, I engaged an architect to draw up plans, costing around £1k. A neighbour on the street is in the process of selling their house and the prospective owner has just applied for planning permission to do the same work. The planning dra
  24. Hi All, I am in a bit of a pickle at the moment, I felt I was finally able to afford my council flat that I have lived in for over 15 years, I put in my first RTB application March 2015, and a valuation was done for the property, after the valuation came out, I found that I was not able to afford it even after the London discounts so I didn’t take up the offer, fast track November 2016, the same year I made another application and this time around the price of the flat had reduced by £100k as per the new valuation done in November 2016, so I took up the offer, applied for a mortgage and g
  25. I think it would be useful for CAGers to list which insurance companies use Albany Assistance for claim management given the widespread reports of Albanys practices which it seems many find troubling, including: Excessive charge bump up for hire cars Requiring fully comp insurance holders (including those with hire car included on their policies) to sign credit agreements Long unreasonably drawn out periods where nothing happens It would seem Albany wont do ANYTHING unless you sign a finance agreement and agree to their inflated car hire. Google: albany assistance claim management
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