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    • Don't think you have to inform Universal Credit of the Small Business Grant Scheme.  Reason is that it is supporting the business via local authorities, which is why it has been paid into a Business account.  It is not the same as the sell employment grant being paid out from June 2020, which is going to be treated as earnings for Universal Credit purposes.   DWP are updating the following linked page with any Coronavirus information related to Universal Credit.   As you will see the Small Business Grant Scheme is not noted.   https://www.understandinguniversalcredit.gov.uk/coronavirus/   You mention the Business is hers and why should you be affected.  Under Universal Credit, as a couple living together, your claims have been linked together as a benefit unit ( you don't have any choice, couples who live together have to have linked couple claims).  When UC issues the statement, it will be both of you as a benefit unit.  Therefore all of your joint information will affect how much UC you receive.  For example your state pension will appear as another benefit deduction, so will affect how much you receive as couple claimants.   Have a read of the Understanding Universal Credit website if you need more information on the benefit.
    • Hi  I do apologise as I don't know where to put this question.   My wife is self employed and her business is closed to to Covid 19. She has lost all future bookings  and has no earnings. I am retired with a State Pension. We have applied for Universal Credits which has been granted - payment middle of April , so that's great. We applied for the Small Business Rates Grant - £10,000 to help with business expenses - she intends to open trading again  ASAP, and there are obviously supplier contracts and services that need to be paid for, plus we modernised premises this year ( as we had lots of bookings) and our personal Credit Card debt is approx £9500.   To my surprise they have granted this and are paying money into her business account.   I know we would have to notify Universal Credit about the Grant, but would she still be entitled to U.C payments? The business is hers , so I presume I am still eligible for U.C   Many Thanks thedrunkenmonkey
    • Neighbour who has garden at end of mine (fence to right as they look down their garden but crosses various gardens as I look down from my house) is requesting that I repair a damaged fence as her dog keeps coming into my garden.   Am I responsible to repair it (my part of fence)?    I have looked at various websites but not very clear.   Neighbour said they erected and put up a fence to their left as they look down their garden but stressed that I was accountable for part of fence to the right.   Thank-you for looking at would appreciate any guidance for confirmation.    
    • Are you or do you wish to use the vehicle until we succeed with arguing and you succeed in VT?
    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
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chinnygirl

Egg card is this PPI?

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I ve just went threw my egg card and noticed i have paid varuoise amounts of money every month called..CREDIT CARD REPAYMENT PROTECTOR.what is this??? i didnt ask for this?? could it be PPI?

Edited by chinnygirl
mbna card also has a payment protection cover?? can they call it anything this is confusing!!1

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Sounds like it ... you can give them a quick call and ask as it is payment protection insurance cover.

 

How long have you had the card and do you recall agreeing to the cover being added to your account, either during a conversation or by ticking a box on the credit agreement when you took out the card?


'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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I can not remeber if i agreed to the ppi.I have also sent them an e mail as they stated i didnt have the ppi on my account but when i checked my statement it had CREDIT CARD REPAYMENT PROTECTOR on it ... so this is why im asking your advise as im woundering if its worded different on different cards/loans etc ? thanks

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Give them a call and inform that of this inconsistency. Ask them to verify that what appears on your monthly statements is indeed payment protection insurance, it cannot be anything else.

 

Short call, simple answer, then proceed to reclaiming your money ... :)


'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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Thanks Can I Also Ask Ive Asked For Bank Charges Back But They Said I Have To Wait Till Its All Been Sorted At Court? Is This Right Now!

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I recently got my charges back from Egg (this was less than £100 though). The Credit Card Repayment Protector is PPI and it was added to my account also in 2004 without my permission. When was yours added?

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i think when i first got my card,

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Has anyone been told they can not claim till its been resolved with the court cases all the banks are at.

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i have just recived this e mail today what should i do now??? please advise this is what they have taken off me?

Dear Mrs Ellis

 

I'm unable to refund £355.33 for Card Repayment Protections as you added this when you applied for your Egg Card online and it was removed when asked.

 

If you've any further queries please don't hesitate to contact me.

 

Regards

 

Sian Fleming

Internet Customer Services

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please can someone help me about the above thread what i need to do next to this reply i had from egg? thanks

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Hi Chinneygirl,

 

First of all i have the same problem with Egg and i have been dealing with a director and received a letter in the post today and in the letter is an amount that Egg are willing to pay me back. Which includes unpaid direct debit fees, Card protection Plan (CPP) and Card Repayment Protection (CRP). Egg have basically agreed to pay these charges back in full. The people I am dealing with and i would recomend everyone else to deal with are as follows.

 

Kathy Curzon 08007 834 393 ext 6157

Wendy Schratz - wendy.schratz@citi.com ; wendy.schratz@egg.com

 

Dont let them fob you off, I even had to file this in county court which cost me £25.00, I then emailed Wendy and told her that i had registered it with the court and hope that Egg pay in full as if it ends up at court it would only incure more money for Egg to pay out.

  • Haha 2

Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

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thanks for that hawk can you recommend what i should say in the e mail to her? much appreciated

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what should i say to this e mail or will i e mail the person who hawkk says?

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I got a cheque in the post today payment in full £250.64 p and when it clears i will then stop the court action hehe. Brillianr. Chinnygirl any update ?


Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

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i have today received a letter from FOs upholding my complaint for missold ppi from egg and stating they should pay me compensation, egg passed my debt to dlc and registered a default notice on my file i am insisting this is removed what are the chances of egg appealing this, payign full compensation i have a debtg of around 3,000 encompassing ppi and just want this written off and the default notice remmoved with the account closed any advice greatly received they have 21 days

 

FOS say egg did not pay due regard to the information needs of me and sold a product to me that was unsuitable for me

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Hello judyj,

 

you are currently tagged onto an old thread. If you click this link .....

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

then add your own title you will have your own thread which make threads a little easier to follow.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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