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    • Hi   As you are a Director of the Small Company have a wee look at this link: https://www.moneyadviceservice.org.uk/en/articles/dividing-business-interests-on-divorce-or-dissolution
    • as the card is still owed by the OC, and as you've seen, they usually are able to comply, then its enforceable. so no don't cease payment.   however get an SAR running.
    • HRT process for returning British citizens can be quick, if they show evidence of now being resident in the UK and working or looking for work. So important to take all documents to Job Centre appointment confirming ID, residency at an address, evidence of work or looking for work e.g. Job applications.   if enough evidence is provided a decision can be made in a few days. And once entitlement is confirmed, then your Son can apply for an advance payment.   Under Universal Credit, once the claim is up and running, then first normal payment made after 5 weeks from start date. Work search appointments regularity can depend on Job Centre and how busy they are. Some people have appointments every fortnight and others once a month approx.  The important thing is complying with commitment and not missing appointments to avoid sanction. It is people who fail to attend work search and other mandatory appointments or fail to show sufficient evidence of looking for work, who can end up with a sanction.
    • Thanks dx100uk - response to relevant questions provided below. I will provide photos of signage at entrance and further photos of marked bays at same location in separate response.   For a windscreen ticket (Notice To Driver) please answer the following questions....  I received a Parking Charge Notice (SIP)   1 The date of infringement? 11/05/2019 @ 16:01   2 Have you yet appealed to the parking company yet? No   if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide  N/A   has there been a response? N/A please post it up as well, suitably redacted. [as a PDF- follow the upload guide]   If you haven't appealed yet - ,.........   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Not yet as only 12 days since alleged infringement what date is on it Did the NTK provide photographic evidence? N/A yet   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N? ]N/A yet   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? N/A yet [it is well known that parking companies will reject any appeal whatever the circumstances]   5 Who is the parking company? Simple Intelligent Parking (SIP)   6. where exactly [Carpark name and town] did you park? Harding Street, Manchester
    • wasn't always that way changed with the spc rules of 2016. also, staple a copy of the cabot no cca letter to the courts copy. dx
  • 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
        • Like
      • 0 replies
Consumer dude

lets work on a christmas meet

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It would be good to have a meet up over the Christmas period. Anyone for a party ?

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What area of the country are you thinking of?


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If this can get organised I will definately do my best to be there, need to get dates and venue asap as peeps start to get busy with other arrangements.

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I like Yorkshire..

 

I didn't notice a Yorkshire accent last time, have you moved? Would it be the dales?

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Halifax is a lively town. I believe it's between Halifax and St Albans as to who has the most pubs.

And they are both dumps!

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York ?


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It would be good to have a meet up over the Christmas period. Anyone for a party ?

 

silly question:p:madgrin:


 

 

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North Yorkshire is an excellent location.

 

Mrs. Stig, Doggy Stig and I moved up here (Mrs. Stig was born here, I'm the immigrant!) earlier this year.

 

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North Yorkshire is an excellent location.

 

Mrs. Stig, Doggy Stig and I moved up here (Mrs. Stig was born here, I'm the immigrant!) earlier this year.

 

Stigman

 

I do like yorkshire. West yorkshire is my area. what part of north north yorkshire are you..

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If this can get organised I will definately do my best to be there, need to get dates and venue asap as peeps start to get busy with other arrangements.

 

It would be good to see you again..

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How did I miss this? :-o

 

Much as I like North Yorkshire, (rellies in Filey and Whitby), and LOVE York, the last few Christmas meets seem to have been up north.

 

I like St Albans. :-)


 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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we moved from near there Caro ( Abbots Langley, where the first Pope of England came from ) we moved from there in 2011, I am now 4 miles from Ely Cathedral!


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I've only been once before and thought it was lovely. Never been to Ely. I'm terrible on geography so no idea if Ely's far away.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Cambridgeshire


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sorry should have said that, we are about 20 miles from Cambridge, approx 1 hour from the sea ( Hunstanton ) it is called Littleport where I live and has famous links to Harley Davidson and the Riot ACT!


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