Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi,  I'm new here, and hoping that this is the right place to post this.   I applied for pip and was awarded standard mobility (10 points).  I did an M.R. but got the same result. They acknowledge that I can't leave my house without having someone with me. They accept that I'm not completely housebound as I go out to appointments, which are not a regular occurrence, they also said that they can't award me enhanced because I'm not out most days.  Is this correct?  Surely it shouldn't matter how often I go out? 
    • The Legal Ombudsman has a wider remit than the SRA, and can always refer matters on to the SRA where they find a breach of the SRA's code.   I'd suggest writing to the solicitors, highlighting these issues, asking them to refund the money. If they don't then complain to the LO.
    • Good morning all,   I have an update for you all, shortly after my first hearing i was told i would need to have a rehearing with another company, Obviously i agreed but after the initial grievance hearing the person then asked me to enter into a private conversation, I have received the settlement offer and are disgusted as its not even half of my monthly  salary, I'm not sure what to do at this stage as i dont have the funds to finance a solicitor,so any advice would be appreciated.  
    • Sorry, but what does this mean?   Who are ARC? It would be helpful if you could be a little bit more clear about what happened. I don't understand why you are not simply proceeding against Amazon – because it is clearly their responsibility as it was their driver or courier company
    • I understand that you were involved in a contentious divorce in respect of which there was a bill for court costs – £850. You decided to challenge the costs in court and you lost and an order was made against you. We decided to appeal the order but before the appeal was heard, the solicitors made you a without prejudice offer of a 50-50 split – £425. You agree to this and you signed the document to that effect which you returned to the solicitors. Despite that the solicitors are now trying to impose the original £850 order. Is that the correct order of events? "Without prejudice" is certainly something that doesn't seem to be very well understood, including by solicitors. "Without prejudice" can protect an offer from being disclosed to the court where the offer has been refused so that it is not binding on anyone. However, without prejudice cannot be used to hide everything from the court – including wrongdoings, unethical behaviour et cetera. It seems to me that once you sign the agreement you effectively had a contract. I'd like to know a little bit more about the agreement that you signed but presumably it was intended to bring a halt to any further proceedings. I don't think there is any difficulty about disclosing a contract to the court in the circumstances. It is only the offer which was made without prejudice. Once the agreement was accepted and signed then the document acquired a wholly different character. It was no longer an offer open to be accepted or refused. It was a legally binding contract which imposed obligations upon both sides. In my view the solicitors have acted in a highly unethical way and I would begin by making a complaint to the SRA. I wonder whether the solicitors proposed the 50-50 split to you without consulting with their client and when they then contacted their client and told her what had been agreed, she refused to accept it and on that basis the solicitors recognised that they had made an error but rather than accept their responsibility and footing the £425 out of their own pockets, they preferred to get it from you. Of course this is just speculation but it seems to me to be quite a possible scenario. I'd like to see the agreement post up here please – that my sense is that you should complain to the SRA and you should tell the solicitors that this is what you're doing.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3798 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

take a look at the below, and yes, i did not take it out.

 

 

Amount of Credit: £80.00

 

Duration of Agreement: 3 days

 

Total Amount Repayable: £104.00 to be repaid in a single payment on 10/08/2009

 

APR: 7,457,669,679,352,83%

 

in words that's (i think)

 

7 million billion

457 billion

669 million

679 thousand

352 hundred

83 units

 

 

 

if that not a joke, tell me what is

Share this post


Link to post
Share on other sites

considering £80 to £104 is 30%, this seems rather extorianate


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

OMG! :eek::eek::eek:

 

I have seen some interest rates that are eye watering (to many of my own! :|) but this takes the prize!

 

They will quote some tosh about having to legally quote an APR over a 12 month period (I have queried one or two interest rates of my own).

 

Glad for you that decided did not need/want to take up their kind offer! ;)


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

Share this post


Link to post
Share on other sites

Can someone explain how APR is calculated?

 

If I take 100 loan for week or month and it costs 10 pounds, isn't the APR either 520% or 120% (52 * 10 or 12 * 10)?

Share this post


Link to post
Share on other sites

Hi maya- don't know the exact mechanics of it but APR does not really tell the full tale with these loans. They are short term loans and great if you can afford to pay them back on time and treat it as a one off. A lot of people just dig themselves deeper in to debt and pay the interest only each month.

 

I dislike these firms but do accept their argument on APR's - avoid like the plague if you can

Share this post


Link to post
Share on other sites

Yes Sir. Seriously speaking, you are completely right and payday loans are rip offs. There isn't such a thing as 'cheap alternative to bank charges' and I have now turned to my mom (quite embarrassing). She took my debt problems really well and is actually now taking small bank loan so I can pay off all payday loans. I am only using pre-paid cards now - they are very good alternatives!

Share this post


Link to post
Share on other sites

hello all, just want to bump it to see if anyone has seen higher

Share this post


Link to post
Share on other sites

Well not specifically pay day loan but just as bad. Barclays bank charged me £22 for overdraft of up to £150 over limit, £4.35 overdrawn and I get charged for the privillage of this 5day allowance £22. Now that is not a bad little earner.

Share this post


Link to post
Share on other sites

take a look at the below, and yes, i did not take it out.

 

 

Amount of Credit: £80.00

 

Duration of Agreement: 3 days

 

Total Amount Repayable: £104.00 to be repaid in a single payment on 10/08/2009

 

APR: 7,457,669,679,352,83%

 

in words that's (i think)

 

7 million billion

457 billion

669 million

679 thousand

352 hundred

83 units

 

 

 

if that not a joke, tell me what is

 

i think that it is even worse than you have stated, you are missing a digit on the end, prolly a typo, i worked it out to be: APR: 7,457,669,679,352,830% (extra zero at the end) - only 10 times more

Share this post


Link to post
Share on other sites

May I assume this is the dreadful Wonga, I've seen their TV ads are becoming more infrequent, although Ocean Finance, an equally dodgy lot are still advertising their channel... is it still airing on Sky 888?

Share this post


Link to post
Share on other sites

keep seeing that ocean ad on tv, never heard of them. what are they like? another fly by night cowboy company?

Share this post


Link to post
Share on other sites

I've dealt with Ocean before, incompetent customer services made the decision to not progress any further with them.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...