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    • Hi.   If there's money and property involved, I don't think the internet is the place to look for advice apart from the general stuff.  CAB and the government's website have limited advice, but it would be better if these ladies find a local divorce lawyer and have a [normally free] initial meeting to see what can be done.   You can find solicitors and their areas of expertise on the Law Society website.   http://solicitors.lawsociety.org.uk/   HB
    • Just researched.. No it's not a rolled loan 
    • Hi all,   After some advice regarding my rights. I purchased a damaged car from copart advertised as a Cat S a month ago. Applied for the logbook via dvla and i was informed the car is a cat B. I have spent a lot of money repairing the car and absolutely gutted finding out it is a cat B.   Does anyone have any advice in regards to what i can do to get my money back from copart?
    • Hi guys,   my sister and her friend have a similar question so I thought I ask here because it seems little complicated.   The more mouths to talk to the worse it gets.   My sisters friend has bad marriage and she has waited until the kids are grown. One is 19 and other is 21 or 22.   now she wants out of a verbal / psychological abusive marriage.   Question is the following.   They live in one property and 2nd is rented out.   So therefore 2 properties and as kids are now adults they dont come into the equation.   They have no savings and as for goods in the house I am sure no party will fight over that.   How will it work with the properties?   Both sold and money divided? Can one choose the house they wish to have?   At the moment register search has not been done from my understanding both parties names should be on there.   My sister is in the same situation with 2 houses and kids all grown up. Both ladies want out.   Also is there free divorce help or helpline or somewhere I can guide them too?   Many thanks.
    • Sorry I don't know what you mean? What's a rolled loan? 
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
gjrscotland

Old credit card in credit

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I have an old cedit card from when i was at uni and whilst paying it off i put it into credit of £98. I only realised this a few of weeks ago when i was cleaning out my old bedroom and found a statement (dated 10/09/08) so i phoned RBS to see about claiming it back. I was told that becasue the card was over 2 years old it isn't on their system and i should write to their head office with a photocopy of my last statement to claim back the credit. The problem is that after sending 2 letters i have had no response. Has anyone had any similar experiences or perhaps have any advice to offer, any would be greatly appreciated.

 

Thanks

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Hi

 

What address did you use to contact the bank?

 

Have you moved recently from Uni accomodation?

 

The bank should hold the information still after only 2 years. .


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Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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I used the following address, Credit card customer services po box 5747 southend on sea SS1 9AJ, which i was advised to use by the teller on the credit card customer services helpline. I moved back to my parents house after uni which was January of last year, however my address for the credit card was always my parents address. According to the teller the helpline don't have access to my account and that i would have to write to their head office as they will have it in their archives.

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Any more news? They should have it in their archives. They are required to keep data for max 6 years after an account is closed. This is part of the Money Laundering Regulations. As this one was not officially closed and was in credit, they have the info somewhere.


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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