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  1. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why
  2. Hi, We're renting privately at the moment and our boiler broke on the 18th of January 2019. We informed the estate agent who got an engineer out on Monday 21st January 2019. He informed them and our landlady that the boiler needed replacing and subsequently gave them a quote to do the work. We were then informed on Friday 25th January that our landlady wanted another quote done, so it took her 3-4 days to decide she wanted another quote, this doesn't seem reasonable to me? Surely she should just get a few quotes done as soon as she knew the boiler needed replacing. This second quot
  3. My personal current account was recently suspended pending a 'compliance review' and then about 3 days later immediately closed with no warning. No reason was given so got absolutely no idea why it was closed. They are also saying that the balance (approx £3-4000) will be credited back to the most recent accounts that have paid in, but this won't be done for 6-10 weeks, "possibly longer". They blocked a payment out for my rent (made approx 4 days prior to them suspending the account initially) which they were informed about right away, and which caused the payment to be 10 or so days
  4. Thank you for your time and advice. We're looking for some general advice on this issue regarding my partner who is off work with depression caused by her workplace. The employer has told us they will visit this Thursday to "discuss her absence". Here's a bit of the back story: Mt partner is a Cleaner. She is off work due to depression, this was caused by her undergoing treatment for recurring miscarriages and her Manager moving her from a job she was happy in to another part of the company where it is very quiet, no interaction and a totally different world than where she had bee
  5. Hello Friends, I am a Leeds city resident and I got three parking tickets in a span of two weeks. There are multiple issues with these PCNs as I spotted some discrepancies in councils guidance on the time limits. Few years back Leeds city council has introduced a mobile based parking solution by partnering with a company called parkmobile. Being a daily commuter I really love the convenience of the app though it charges 25P convenience fee for each transaction. The way the app works is as below: Step 1: Drive to the intented parking space and open the app.
  6. Hi I'm hoping someone can help me My car a citroen grand Picasso 2010 was in the citroen garage a month ago to fix the boot whilst in they advised it had an oil leak and diesel leak and a belt needed changing they did the work at a cost of 1700 ive split the payments so payed 425 so far the next payment is due in two days. Less than three weeks after this work was done I was driving back from a day out for my son's birthday the first time the car had been driven over 60mph for longer than 10 mins. The car had done less than 300 miles since being in the garage. Anyway the car
  7. I was offered a sales/ admin role for a company near me last year. advertised on indeed as a full time permanent position. nothing in the advert stated self employment. gave p45 from last job, NI number, passport and bank details. paid by bacs every week @ £260. the arrangement was for commission to be paid on top also but did no happen due to lack of business. part of my role was to drive to businesses in my own car. the owner gave me cash everyday for fuel despite asking for it to be placed in my account. after 2 months i became concerned that i had not had any payslip
  8. Hi, First the details of the alleged 'offence'... 1 Date of the infringement - 01/07/2017 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 21/07/2017 (20 days after the 'event') 3 Date received - 23/07/2017 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? - Yes, images of the vehicle entering and leaving the car park 6 Have you appealed? {y/n?] post up you appeal] Have you had a response? [Y/N?] post it up - No, thought I'd ask for adv
  9. I've been reading around this forum before posting but I can't find an answer. I think I may be in an unusual position, so any advice specific to me would be great. I need to leave my job next week. Let's just leave it as a 'personality clash' (Manager is a , I'm not! lol) I've found a new job starting 1st November. Great! BUT, I went to the job centre on Friday and my area is trialing UC, and so the first payment I'd get is in 7 weeks from when I leave my job. Obviously I'll be working by then, but won't be paid till 1st December. I have no savings, but have pa
  10. Hi All I had a trip/slip over 4 years ago with the offending council admitting liability immediately. The case dragged on due to the fact that my legal team changed three or four times and a lot of time was wasted. Eventually a competent solicitor was appointed and an agreement was made to settle the claim (we were due in court on the 2nd June) on the 24th March 2017. A time frame was given of 4-6 weeks but usually much sooner than that. It is now the 18th May and I have not received my money, I have called and emailed my solicitor every day this week and have had no response.
  11. Hi Ladies and Gentlemen, Have currently been made full time by my current employer. It has been 3 weeks now. I was working for an employment agency ( removed by site team ) worst agency I have ever worked for, never paid the correct wages and took weeks to sort it. They have a finger print scanner to clock in and out, my new clock card system sits next to this. So, baring in mind I am full time and this agency knew I no longer worked for them, I occasionally just put my finger on the scanner just to confuse them, It was only a couple of times. On the 14t
  12. hi I recently finished a full time course at the end of january and started signing on to job seekers allowance while looking for work. At the first meeting at the job centre before anything else was discussed i was told that at the start of all new claims there is a mandatory 12 weeks of daily contact. After questioning this i was told that this is a national policy for all new claims. although im not attending every day i'm getting appointments to attend 2 or 3 times per week and must email my job search activity, jobs applied for, and forward all email responses from applicat
  13. I have been sacked one and a half weeks into a two-week trial period. The employer says that, because I only worked for a short period, he doesn't have to deduct tax and Ni from my wages. I was working a 37-hour week for which my pay (due at the end of March) was £7.50 per hour. My employer confirmed this in an email to me before I started work. I was directly employed (not through an agency) and was not self-employed. My questions is this: Is the employer legally obliged to deduct tax and NI after such a short period and does he have to give me a P45? Also, what can I do if he doesn't
  14. Hi all, I have a court hearing with money barn in 3 weeks where they are seeking a return of a car I have on finance with them. Firstly, hands up, entirely my own fault. Circumstances are this. I haven't yet paid a third. In february I got into financial difficulty and instead of discussing it with them I did a fine impression of an ostrich and ignored all their letters. One of them was a termination notice, that much I do remember, and it followed all the others into the bin. (No, I'm not sure what I hoped to achieve by that either.) I then got a letter
  15. Just had phone call from DWP telling me my ESA is ending today(8 weeks after my medical)??? I had my medical on the 1st July 2016,which as usual I have received "0"points! They have told me I have to make a claim today (so that I get a continuation of benefit??) Can somebody please tell me if they can do this with no warning? And will this cause problems with my housing benefit/council tax(which happened to me before, whilst waiting for my appeal and took months to sort out(but lost out on a lot of benefit) so now i'm terrified that its going to happen again!!!! Any advice would be w
  16. Please can someone provide me with some advice, my son has been sanctioned for 6 weeks for failing to turn up to an appointment, what can he do to get some money for now as no money and rent ect to pay. Mashmallow
  17. Hello, Through my mums work I was asked if I would like to cover girl that's going on holiday. She's working in one of the branches of employment agency and its only her working there so they had to get someone from outside. Anyways she's going on holiday for 3 weeks and this is the period I am supposed to cover. Nothing less or more as they only need one person there. I have to wait till September this year to actually start looking for full time work as my little boy is starting nursery then. So the only reason I'm doing this cover is because it's extra experience and my sister in
  18. Hi Sorry if I make mistakes I am new to this. I bought a laptop from Currys on 9th Feb 2016. The mouse pad did not really work but I got by using a plug in one. 2 weeks ago I went back to the store and a lady tried to make it more responsive. I took it home and it hadn't worked. I use this laptop for work every day and my business cant operate with out it. I simply cant have it sent away for repair and be without one for any length of time and so asked for a replacement. Curry's are refusing saying that they are entitled to one shot at repair. I pa
  19. Hi all. Please can I ask have the redundancy pay rules been changed lately? A friend told me today that there is now a maximum of 12 weeks redundancy pay? Apologies if this is a sily question.
  20. Hi Everyone, So on Thursday 14th January I received a Reminder Notice from Horizon dated 8th January for parking at a Sainsbury car park during a no parking period on 5th December 2015. They also mentioned that a notice was issued on 10th December 2015 but this is the first communication I have received from them. Because I did not respond to the notice (which I did not even receive in the first place), they are saying I as the registered keeper am liable to pay the full £70 charge. I went back to this car park yesterday to check the signs. On the entrance it says that the car
  21. I desperatly need some help i bought a persian for 1000.00 from a breeder and after 3 weeks she died suddenly from liver abnormailitys which vet said she was posibly born with it developed very quickly the breeder has not offered me a new kitten or a refund ive tried sending her 2 letters before action but to no avail both letters were signed for so i knew she would get them PLease can someone advise me wethere it is worth my time taking her to small claims court if so would i loose more money
  22. Hi everyone im quite desperate. I just made my new account at barclays less than 2 weeks ago with the switch service and yesterday i got a letter where they say my account is gonna be closed on 18th jan, 2016. The letters date is 17th nov. Also i recieved another letter with the date of 20th nov, which says my switch process has been successfully completed from my old bank (santander) to the new barclays account. I called them a lot of times but nobody could give me a proper reason why they want to close my account. Some said, ( also in the letter says) the bank made a review on my account and
  23. Friend of mine bought a second hand car from a dealer about 2 weeks ago. Today the clutch has failed and the RAC have said a new clutch is required. Dealer has been contacted and said it is nothing to do with him. Car is 10 yrs old with 95,000 on the clock. The price paid was about right for the car with that mileage. Are there any rights under SOGA or CPA. thanks
  24. Hi Guys i attended an interview under caution as they felt my partner was living with me, according to what i have read on other peoples threads the interview went as standard. So this is going back to 2012 when my partner left his wife and used my address as a postal address until he got himself sorted so 9 weeks ago i was called in and i've since had over payment letters for 3 months benefits to be paid back from aug - nov 2012 we was not living together and up until recently we never was, yes he used to stay a few times a week and also stay at his mothers house they have got some video
  25. Myself and three other students currently occupy a privately rented property in Southwark, London. The flat is pretty run down and we seem to have been stuck with a landlord who doesn't want to shell out any money despite the fact that we are paying £145 a week each! As soon as we moved in we noticed the washing machine door was bent and didn't catch properly, so we immediately informed the lettings agency who informed the landlord on or behalf that it was damaged, however he declined to have it looked at or repaired. After one initial breakdown that I managed to repair it packed up for g
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