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    • Hi guys.   Ok - so since I was last here I have set up a new basic bank account, which my salary and priority dd's will come out of from March.   Just wanted an opinion on a couple of thoughts I've had -   1) I have just agreed with my mortgage provider a 3 month covid payment holiday, which will help for the short term - however, I have an overdraft is with this bank. Am I causing a problem if I contact them now about my financial situation, or should I leave it until the holiday ends?   2) My salary has recently come down, which is a contributing factor to my plight - However, my income over the last few months will not reflect this. On my budget sheet, I have put in the new ongoing i and e.  Is my bank likely to turn down my request of freezing interest etc. on this basis? They can see what has been coming in and going out. I'm concerned they'll think I've been creative with my income sheet?! Or can I simply refer to this new situation in the pro-rata letters?   Thanks again.   A  
    • Hello Taxhelper   Thanks again . Your so kind and Im very grateful.   I am about to submit the form in the next few hours. Before clicking the submit button there is a calculation page that has been generated by the site based on the info I provided ( income from PAYe and income from self employment etc...with all expenses deducted). their calcs are correct.   The figures are correct and I do owe them a sum as well as 1st payment on account for 20-21. I just am not sure I can pay the lot by 31/1/2021 because I did not anticipate that the hospital may not be able to pay me on time ( my jan pay). Thats because I did submit my 'timesheet' to the HR on time but they delayed processing it in time for it to be paid by the end of this month. They have said they have asked for an exceptional CHAPS payment to be made but I remain uncertain whether they will pay it into my account by then or not. thats why i wasnt sure if its best to call HMRC and give them the heads up or not.  
    • Current account switching continued to bounce back in the last three months of 2020 as customers took advantage of three-figure switching bonuses from Britain's biggest banks. View the full article
    • My advice - submit the completed Tax Return first. Then worry about who owes what to whom. That's dealt with separately from the form itself. Have you checked your account with HMRC to see what they owe you (or you owe them) as of today? What's the situation?
    • Hi Senbell1 I too have made this mistake almost exactly the same issues with my vehicle I am currently and have been since December 2nd doing everything I can to get this  **** caught its not proving easy I've been in touch with police Scotland,  West Midlands police , consumer advice, motor and financial ombudsman , county courts my local sheriff court and the relevant moter trade association  I have lots of evidence against him and  I intend to take it as fas as I need to in order  to stop him !!  i know exactly how you feel and if I manage to get the matter resolved I will message again . if it helps he is now trading on eBay  under .   LeeHudson-Cars James Harrison Industrial Unit  Warwick West Midlands CV34 5XH United Kingdom Email:jamesharrisoncars@gmail.com   make sure you call trading standards and report him there number is 0345 404 0506 they need several complaints to open a case and investigate   
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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Anyone able to do a HPI check for a couple of pints


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Is there anyone with a HPI account who could do a HPI check for me.

 

I am willing to sent a few quid via paypal or something to cover the price of a couple of pints as a thank you.

 

 

Renault Laguna - Reg = NU54 OHA

 

thanks in advance

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I know there are plenty of text services for £3.99 etc etc, but they have failed me in the past, the cheep'o services dont check properly for outstanding finance.

 

I cheep'o hpi checked a car a few years ago that had >> £5000 outstanding finance on.

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I know there are plenty of text services for £3.99 etc etc, but they have failed me in the past, the cheep'o services dont check properly for outstanding finance.

 

 

 

I cheep'o hpi checked a car a few years ago that had >> £5000 outstanding finance on.

 

 

 

 

If you can wait to Monday I can do it for you.

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