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    • More than 364,000 cases of fraud were recorded to the National Fraud Database in 2019 - the highest ever recorded View the full article
    • If its a domestic address and a normal account, thought they could only bill who is on the Tenancy agreement or Mortgage, as isn't a Tenancy in Common. if Joint tenancy and other party gone, didn't think children who have gained majority can be held liable, as not on any paperwork, apart from Electoral roll.  Is a Lodger liable?
    • Thank you so much for explaining that to me much appreciated 
    • It's not so bad then.  1250L is the standard tax code, and means he can earn £12500 pounds without paying tax, and then just pay tax on anything he earns over that amount.   Due to technically being out of work, and claiming UC, and now going back to work, the code is saying that he will pay tax on anything earned over £6500 pounds now, but it is under review and should change within the next 8-12 weeks, and if he has overpaid in the meantime, then it will be refunded via his paycheck.   The only reason for this is I am assuming that while shielding, his company did not keep him on the books.  If HMRC have got a record of him being on the books, and claiming UC, this will be them determining that he hasn't been trying to fraud the system by being paid as employed at the same time as claiming UC.  Once they clear that up, then they will correct the tax code.  So long as all his earnings and benefits all add up and they are happy then it will be back to normal.
    • Good Afternoon,   I am hoping to receive some advice regarding the below topic.   I was looking to purchase a property off-plan with a incentive attached and in order to secure this you pay a 'finder's fee'.     The fee was paid but then the property was un-mortgageable due to various reasons including the incentive being offered.   Having gone back to the agent to ask for a return of the finder's fee - they have refused saying that the incentive does not need to be disclosed and that essentially my broker is useless and I should use theirs!   Their broker also advised it would be hard to get a mortgage with the incentive disclosed which backs up what my broker has said.    This fee will now be kept on account.     I signed a form which confirms that the finders fee is non refundable - which was my error I should have checked if the property was mortgageable beforehand - however I wondered if there was anything I could do because:   The property is un-mortgageable - my broker tried all lenders including those who are happy with the incentive which was offered They have advised to withhold information which is clearly questioned in the mortgage application process   This is not a case of pulling out, this is a case that I cannot get finance and so cannot proceed.   Thanks in advance.
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      I was in Sainsbury’s today and did scan and shop.
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Kenti

Avoid digitalHDMI.co.uk

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I feel the need to share my experience with digitalHDMI.co.uk. I cancelled an order for a TV (£1200+) with these guys after nearly seven days having not received a delivery date or any replies to emails or telephone calls. I did so under the provisions of the Consumer Protection (Distance Selling) Regulations 2000 . I then did get a phone call from them promising delivery in a further seven days. having already found bad reports about the company elsewhere I stuck to my guns and insisted on my right to a refund.

 

I have just received that refund eight weeks after requesting it. This followed many telephone calls, invariably to an answerphone and no return call, and unanswered emails. Eventually, on the advice of the West Midlands Trading Standards I wrote to them again, recorded delivery to 6 Pattingham Road, Wolverhampton, WV6 8DD, threatening court action. Then recently, miracle of miracle someone picked up the phone when I rang them. It took all my willpower to remain polite, but I did, and got a promise of some action. Two weeks later I have my money back, but no apology.

 

I have no proof that they wilfully retained my money, but I do suspect it. I am absolutely certain that their customer service is absolutely appalling. They might be a few pounds cheaper, but I would strongly recommend not dealing with this outfit.

 

Incidentally I made my payment via Barclaycard, who were also absolutely useless. They took weeks faffing around only to decide that, as I had cancelled the order, I had breached the contract and so the liability that they shared as the credit provider no longer applied. From reading elsewhere I see that PayPal have a different attitude, which is encouraging.

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