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    • Nationwide is facing mounting criticism from savers.This is a result of the cuts it has applied to savings rates in the wake of the Bank of England's decision to cut the Base Rate to 0.1 per cent. View the full article
    • As a former NHS manager in a mental health trust... I agree 100% with the actions recommended by stu007.  And I would make especially clear in your letter(s) of complaint that you are extremely concerned about the whereabouts of any confidential letter that was intended to be sent to you in the handwritten envelope.  (Indeed, the fact that a handwritten envelope addressed to you was used would suggest to me that they definitely had something to send you.  It also sounds a bit odd to me that the envelope was handwritten).   As well as complaining in writing to them, I'd contact the clinical team by 'phone first thing on Monday, explain what's happened and tell them to ensure that any confidential information about you that has been sent to a third party must be recovered immediately, and you want confirmation of that.  Well that's what I'd do - see if others think it a good idea or not.  If that had happened at my trust, heads would roll.   There's another poster on these boards called "think about it".  They're involved (I think) in GP practice management and may have some comments too about patient confidentiality.   Oh - I think I would include a photocopy of the handwritten envelope in my complaint to the trust and the ICO.   (I've got to ask - can you say what trust it is?  Don't say if you don't want to.)   EDIT:  And well done for contacting the other person to tell them what's happened.  You did the right thing
    • Hey, thank you very much again for your replies!   - We go to the branches and ask for business accounts, but as I give them my personal name they register them as sole trader accounts in their systems, regardless of my company name being on the agreement.  Suspended our services for high volume messaging -- that is not explicitly covered in terms and conditions Send us letters referencing wrong terms and conditions that we did not sign Terminate the contract and come with a random balance number. We argue unsuccessfully, but they don't follow up with the requested deadlock letter. Pass our account to Lowell in 2017 I pick the account back up when I notice it is affecting my credit file in 2020 I work on the case for about three weeks and file a complaint with CISAS I give Lowell my contract and they see it is my company's name on it so they pass it back to Vodafone Vodafone wants to settle my account quoting they should not charge me anything on the first place and they offer £250 as a compensation for distress. I mistakenly accept the offer because of confusing wording and thinking that the third party adjudicator was already involved in the case, although they would basically get involved on the later stage.  I make a complaint as per CISAS and try to reverse the settlement in the system and have third party adjudicator having a proper look into my case and hopefully reward me a much fairer compensation for all the damages.    I have made a SAR request with both Vodafone and Lowell so far, but still waiting for the Vodafone to send it.    I am now waiting for CISAS to respond, but because I am still upset how much damage this has caused me I am considering taking them to small claims court.  For that I am researching what are the acts I would have to reference in that case.   Obviously Consumer Rights Act 2015 and then Data Protection Act 2018 and perhaps some acts regarding entering into contractual agreements -- can you help with that maybe?        My main concern at the moment is to how to express claims well in a legal language, because £250 they offered feels just patronizing given that there has been everything clearly written in black and white, yet I have had to go though this damaging and humiliating experience. 
    • Cooling off periods do not apply to faulty items. The cooling off period relates to a distance purchase of an item which is of satisfactory quality. Where an item is faulty then it become subject to the rules under the Consumer Rights Act
    • I understand the cooling off period for online purchases, but this is a little different due to the item being collected/paid in person.    A used item was recently sold by auction on eBay. The seller inspected, paid with cash and collected the item in person.    The buyer is now claiming the item to be faulty.    If this transaction was completely remote and the item posted, I would absolutely expect the buyer to be entitled to a refund.    But as the transaction happened in person would the point of the money changing hands be when the contract is made? Therefore not giving the buyer any cooling off period?   I think this is the key information; Used item Paid in person Working when collected Private sale   Thanks!
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Treat houses as assets rather than homes and this is what happens | Jonn Elledge

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Very scary article.


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Advice & opinions given by citizenb 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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Again this us just the tip of the iceberg. More is so like this to surface in the very near future.. Mark my words..


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There is one word that is behind this housing problem and it is corruption.

 

There is no reason why government and private sector companies could not have built the required number of houses commensurate with the population. The lack of housing means that landlords can charge high rents and it costs taxpayers a fortune in housing benefits. Both government and landlords/land owners are in corrupt relationships, only allowing a relatively small number of new homes to be built, so that they can maintain income from high rents.

 

I am not talking about the small buy to let landlords, but the large companies and very wealthy who own large numbers of rented properties. They hold huge influence over government parties, probably through political donations and social connections with many leading politicians.

 

There is also the relationship between government and the Banks/investment companies who have loan or debt interest in property. If a large number of new homes were built, it would impact on the value of assets held.

 

All government does is tinker around with housing related policies, trying to keep enough people happy. If they really wanted to build millions of houses there is nothing stopping them. Government is able to borrow money at an historic low, there are enough workers to build houses, there is enough land and there is plenty of demand. Government could offer these homes on a rent or rent to buy basis and they would be assets. There should also be a reduction in rents due to more supply and a saving in terms of housing benefits.


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Just 600m from where I live there has been a new build of a small estate by a social housing landlord. None of them are for sale none of them.

 

Brand new with all the mods and cons. Plus a 6'metal gate too, for the front facing ground level properties.

 

Which makes it look like something from an inner city ghetto. Then 200' across the road is a former office block. Guess what it's going to be full of Luxury flats. Then less than 1/2 a mile away we have 3 or 4 other office blocks being converted to you guessed it more luxury flats.

 

The new build has been done by the Guineas project.. The rebuilds done by property development companies..


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I cant understand why local authorities / housing associations cannot buy up those houses that have been repossessed and put them in their rental stock - they are usually auctioned off well below market value and would probably cost far to less to put back into use than building a new property.

 

I also don't understand why development companies aren't forced to demolish and rebuild on extremely run down areas - but apparently it is far cheaper to purchase huge tracts of green belt land and build on that. Of course no social housing or low cost mortgage property would be allowed on something like that !


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I don't think parliament has legislated for LA's to use resources or borrow money to buy homes to let out. I seem to remember talk of this, but the Tories did not want to see LA's doing this.

 

I am strongly in favour of regional government being formed, replacing a lot that is done in London. Delegate power and money into the regions, so they can take the action needed in their own areas.


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