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

    • @Jaybee in CF Claimant commitments are agreed between yourself and the Job Centre Work Coach.  So you will be able to discuss the local jobs market, transport available and all of the local issues.   As it is a two way constructive relationship, you can research all of the relevant information, so when you have your claimant commitment agreed,  the information you have obtained can be considered.              
    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
    • Hi   First off ALL Tenants need to re report all the different repairs again via their repairs procedure. Yes its good to get a list of all properties repairs with photo/video evidence signed by all property tenants but you all need to fight this individually as well as a group.   Next you all need to look up your rights on Repair i.e. The Right to Repair Scheme and also their Complaints Procedure.   http://www.legislation.gov.uk/uksi/1994/133/made   https://england.shelter.org.uk/housing_advice/repairs/right_to_repair_for_council_tenants   All Tenants need to take control back with these repair and ask in writing titling any letter 'FORMAL COMPLAINT' and stating the repair and why it hasn't been carried out to date and an exact date when it will be completed.   You also require clarification whether these Repairs come under the Right to Repair Scheme and if so why we were never informed of this. (delete or amend)   You also require copies of the following:   Right to Repair Scheme Policy (Not the Leaflet Repair and Maintenance Policy (Not the Leaflet) Solar Panel Policy (Not the Leaflet) Complaints Policy (Not the Leaflet) Equality & Diversity Policy (Not the Leaflet) When you get the above policies you need to take your time reading them and just think to yourself 'DID THEY DO THAT' in relation to your issue and if not mark it this way you build a list of what they haven't done/followed as per there own Policies and use it against them.   They will have time limits to complete repairs within for Emergency, Urgent, Routine repairs and if they exceed that time limit and need to extend it remember it is with you the tenants agreement not them telling you and tough you can wait.   (bear in mind any repairs during COVID-19 the time limits are now different and most routine repairs are stopped)  
    • I was on UC in late March, and recently received some quite non-committal message that the commitments would be returning, but no indication when.     If I remember correctly the expectation was that we could find at least one job per day to which to apply, or some such nonsense.   Given that the government can only guess how many workplaces will be safe :  1) to commute to/from at the time of job application; 2) to work in at the time of job application;    3) to commute to/from at the date of starting a job ; 4) to work in at the date of starting a job,  5) to commute to/from at the date permanent WFH is dropped; 6) to work in at the date permanent WFH is dropped,    and given that we have lost 20% of our economy, I fail to see how they can both reasonably and immediately mandate any minimum figure of jobs we must apply for whilst this virus just killed over 135 people in the UK (stats released today).  That is only down from 155 last week, and about 175 a fortnight back.   At this rate it will be another 7 weeks MINIMUM before the mortality rate is zero - if it ever reaches zero before the inevitable second wave.  
  • 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 
      • 12 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
zebs&co

zebs&co vs GE

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3992 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

HELP!

almost a year back now i lost my job in the down turn and went from a well paid job to one earning £200 less per week? my mrs also had to take a hour reduction to her working week losing £100 per week? thats a total of £1200 less per month. our mortgage to GE lending is fixed rate and is £1300 per month, our joint income now stands at £2100? we contacted GE explaining all difficulties and they agreed to except £900 p,mnth with a possibillity at buying ourselves out of the fixed rate after a 3 mnth period.

if we could get out of the fixed rate to a variable rate we could afford to carry on paying the mortgage on our lower income. after 3 mnths we asked about coming out of the fixed rate? they said because we had defaulted they were not prepared to do this, however carry on paying £900 as this was a substantial amount towards our mortgage all be it the £400 short would be passed down as arrears and at the end of the fixed rate be tagged on to a new mortgage at variable terms. we agreed and have carried on paying £900 up till last month when we got a visit from a GE adviser saying the company now want their money back and we had to pay £1300 + £200 to cover the arrears or re possession orders would follow. there is no way we can meet these payments and this week we got a summons to court on 3rd sept, can any one advise us what to do as me and the mrs are shell shovked by we feel the unfair and hard line actions by GE money lending.

thanks and regards zebs&co.

Share this post


Link to post
Share on other sites

Did you get any paperwork from these cretins about the new payment levels?

 

If not send them a SAR requesting all calls made regarding this account.

 

also can you post up the POC removing identifying details first


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

no paper work, we done all verbally with trust over the phone? we have got names and times of the conversations, but every month we contact them each one blamed the other for not giving us the right options although each one of them said to carry on paying the £900 ?? our fault for trusting them i fear, what is a POC?

Share this post


Link to post
Share on other sites

Particulars of Claim

 

so send GE a SAR for all conversations held, they claim they record calls so you want transcripts

 

Subject Access Request - Consumer Wiki

 

costs £10 send recorded they have 40 days to comply, however if they have send a court summons you can request the same for free under CPR31, I or someone else will post a link to the relevant forms.

 

Is the court summons through MCOL, and have you acknowledged it?


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

Can a mod move this to the legal forum please


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

Only Just Received The Court Summons, First Time Been Any Where Like This So Not Rep;ied And Slso Don't Know If Or Who Is Mcol

Share this post


Link to post
Share on other sites

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

Mrs As Filed Summons Letter? She Be Back Home 5mins So Will Re Read Sumons, Is There A Pre Written Cpr Form Or Help On How To Compose A Cpr ?

Share this post


Link to post
Share on other sites

Thanks Pgh,

We Have Followed Your Helpful Links And Are Now Writing To Ge Lending A Cpr + A Sar.

Will Let You Know Their Responses,

Thanks Again From Zebs@co

Share this post


Link to post
Share on other sites

The Summons Came Via Normal Letter From The County Court, It Does'nt Ask For Acknowledgement But Does Say To Call The Court Day Before The Hearing

Share this post


Link to post
Share on other sites

you need to scan this up so we can see what it says


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

can't do scanner.

the letter reads..... NOTICE of RESTORED HEARING on top left.

to the right is claim number + claimant details, then the court hearing date and time in the rest of the letter.

i have also just recieved this morn a letter from solicitors acting on behalf of GE with also date and times of hearing?

Share this post


Link to post
Share on other sites

ok, if we attend court with options of promising to keep paying as we have been doing over the past year at £900 in a scale of 10 do you think the judge would favour our case? we are at present looking at rental options and moving out and sending them the keys. is this a stupid thing to do ? can't see us clearing the arrears as property is 25k negative now, so could be 5yr+ before we can poss break even.

what a mess?

Share this post


Link to post
Share on other sites

Thread moved to Legal Issues as requested.


 

Help us to keep on helping.

Please consider making a donation, however small, if you have benefited from advice on the forums.

This site is run solely on donations.

 

You can make a donation

HERE. Thank you.

 

Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Share this post


Link to post
Share on other sites

hi supersnooper.

as can see from above, in a mess? we really do not know which way to turn, go to court and hope judge rules in our favour, but in the end the arrears will amount to so much that at the end of fixed rate term the arrears and interest against a new term mortgage will prob be so high the repayments will still be far to high to meet?? or.... hand the keys back, go into rented accomadation and when they come after us for the short fall sort out some sort of deal or maybe bankruptcy is the answer??

Share this post


Link to post
Share on other sites

Zebs, bankrupcy is the last option you should consider. Handing the keys back aint going to help either, because you'd still owe the outstanding mortgage balance. Yore not being unreasonable paying the 900 quid or so a month. Also, the bank should be assisting you and not hounding you. Are they trying to hound you for arrears or the full amount?

Share this post


Link to post
Share on other sites

they want us to return to paying £1300 + £200 to pay off the arrears??

this is impossible as our joint income is now only £2100 pmnth. our worry is that if we do manage to get ok on paying £900 p mnth at the end of fixed rate term the arrears be so much the re calculated mortgage will still be to jigh to meet?

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...