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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Mr.P

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Everything posted by Mr.P

  1. Mr.P
    Quite a few spambots use common words prepended to an email domain in the hope of the message getting through. The shorter the word, and the more common it is, the higher probability is that will attract spam. I would suspect it is just a random hit that got through rather than a security leak.
  2. Mr.P
    That would be OK IF one had any hair to let down... Oh well, at least it saves on having to get it cut.
  3. Mr.P
    I've purchased "stuff" from overseas, and sometimes it arrives without any surprises, other times I get clobbered for VAT & import duties. Purchases from China often get through because the value is under-declared by the sender. It is a bit of a lottery I'm afraid. If you buy anything from outside the EU, then factor in the possibility of having to pay duty & VAT on the total price (including P&P) before deciding if it is a bargain. Note: Iceland, Norway, and Iceland are not part of the EU.
  4. Mr.P
    If the item had been purchased within a member state of the European Union, VAT would have been charged at source and so exempt from any further duties when shipped to the UK. Unfortunately for you, Switzerland is not a member of the EU, so anything imported from there is liable to VAT being charged by HMRC. You can check the VAT & duty rates here: http://trade.ec.europa.eu/tradehelp/myexport#?product=8517120000&partner=CH&reporter=GB
  5. Mr.P
    The loan will still need to be repaid. You have a choice of putting the repayments to one side and waiting for the administrators to contact you, or making contact yourself. Looking at the FSCS web site, I see four credit unions have failed so far this year. Yoker Credit Union Administrators: Andrew Poxon and Stuart Robb of Leonard Curtis, Third Floor, 2 West Regent Street, Glasgow G2 1RW Plough & Share Credit Union Administrators: Jo Milner and Stephen Cork of Cork Gully LLP, 52 Brook Street, London W1K 5DS West Wales Credit Union Administrators: Dina Devalia and Peter Hart of PKF Geoffrey Martin & Co Limited, 1 Westferry Circus, Canary Wharf, E14 4HD Staffordshire Credit Union Administrators: Jo Milner and Stephen Cork of Cork Gully LLP, 52 Brook Street, London W1K 5DS
  6. Mr.P
    When ever I have booked a rental car, I don't think I've ever had the model requested. Any upgrades to a higher spec model has always been free of charge. I would point out to Ryan Air that it was their agent that couldn't provide the specified vehicle, and you expect a refund in full. If you paid by credit card, there is always the option of doing a charge back and lodging a complaint with your CC provider.
  7. Mr.P
    You need to look at the declared value and the shipping costs. The total is what the VAT and other duties are calculated on. I'm afraid you will not be able to reclaim the £8 handling fee or get out of paying it if you want the goods. If the item is returned to the sender, you may get a refund minus the postage and packaging fee.
  8. Mr.P
    What is the prize if you do win ?
  9. Mr.P
    This has the potential to get messy and very expensive.. The first step would be to evict the stepmother if she is unwilling to leave voluntarily. If the property is subject to probate and registered ownership is in limbo, then all three executors would need to agree to eviction proceedings. If the house has already been registered in your name, then you could proceed with an eviction in your capacity of the legal owner. But to talk of eviction so soon is premature. Your step mother may well be struggling with coming to terms with the death of her partner of ten years. In addition, with Christmas not that far away, would you really want to make her homeless at that time of year ? I'd suggest nudging her in to buying/renting a smaller place and give her a date early next year to vacate. A reasonable timescale will make it less likely that she would dig her heals in, and if it did go to court, it would demonstrate sympathetic treatment from your side.
  10. Mr.P
    Sorry. No can do. However, the thread could be moved elsewhere....
  11. Mr.P
    If you leave your job voluntarily you would not be eligible to claim JSA or UC for thirteen weeks. As for ESA, I very much doubt that you would be able to claim any free money that way.
  12. Mr.P
    Before you decide on a draw down, you really do need to talk to an IFA with knowledge about Guaranteed Minimum Pension schemes. Aside from the probability of having to pay tax on any amount you draw down, you could find yourself in a difficult financial position when you come to retire. From what I understand of GMP schemes, they can be quite valuable at retirement. It is also a complex area, so you must get some independent advice before doing anything else.
  13. Mr.P
    If probate has been granted, these three should be superfluous and a grant of representation should suffice.
  14. Mr.P
    As long as you don't go overboard buying a top of the range Porsche and instead get a similar spec (or cheaper model) to the one you returned, I don't expect you'd get too many questions. A car for many is an essential, and you don't get much (new) for £10K. Cover your back and put it in writing to the DWP that you have had a refund and that the money has been spent on a replacement vehicle. If you also claim CTX/HB benefits, also notify the local authority.
  15. Mr.P
    First off, the bank will want to know where this £1,000 is coming from each week, and they may well decide to report it as money laundering. If/when that happens, your friend could find himself having to answer a lot of questions. Even if it wasn't reported as money laundering, Inland Revenue would still know about it from the interest payments. On the plus side, tax credits are not (as far as I understand) affected by savings. Any other means tested benefit that he might be claiming would still be available to him with up to £16,000 in savings. Although, anything over £6,000 would see the level of benefit payments reduce. If he is on means tested benefits, the LA/DWP/HMRC will find out eventually and there is every chance that they could prosecute for benefit fraud. So.... Does he feel lucky in avoiding a money laundering investigation or a conviction for benefit fraud ?
  16. Mr.P
    Has the local council been notified of the state of disrepair ? They may well deem the property unfit for human habitation and provide incentive for your mother to remain in the care home. The other alternative is to get her to move in with one of the family (if that is an option).
  17. Mr.P
    Their response to a CCA request would go down a storm if they ever went to court over this debt.
  18. Mr.P
    You need a solicitor with knowledge and experience of dealing in these sort of cases and it won't come cheap. Whilst you may hit lucky with a cheap one, I'm afraid you only get what you pay for.
  19. Mr.P
    Thread closed so that people can have a think about their position and to let things calm down a bit.
  20. Mr.P
    Over the years, I have made a bit of money online writing software and providing support. The money sporadic, and the time & effort didn't make it a viable income stream. Picking up a few design and manufacture jobs helped a little and it was fun for a while. However, the field I was involved in was highly specialised in comparison to most software support sectors. My sister has recently embarked on a venture providing computer aided design services and appears to be picking up a fair bit of work both locally and via facebook. She has the skills, equipment, and finances to make a go of it. If that doesn't pan out, she can turn her hand to sewing. What skills do you have that might be turned in to a business ?
  21. Mr.P
    The short stretch of road between the A14 interchange and the Huntington Rd roundabout is a 40MPH zone. There is a large round speed sign just after you enter the A605 from the A14 roundabout. The 40MPH zone continues to just beyond the Oundle Rd roundabout at the northern end of Thrapston. You can check this via Google's street view (the images are from July 2016). I'm afraid poor signage will not help you. The small repeater signs that you refer to are there as a reminder as to the speed limit in force along that stretch of road.
  22. Mr.P
    Add to the list: No sick pay No paid holiday No pension No guarantee of work, hours, or pay. As they are the ones dictating when you work, you should be an employee and be granted the protections & rights that go with it.
  23. Mr.P
    If (when) you do consult a solicitor, seek out one that is experienced in contentious probate. Your average high street firm may well be out of their depth and unfamiliar with the subject. Be warned though, it can get to be very expensive and drawn out process if legal action is required. [back story] I handled probate a couple of years back, and there were distant rumblings of an Inheritance Act claim. Unfortunately, the solicitor concerned tried to bamboozle me with irrelevant case law, so I suggested he studied a few other cases rather than relying on opinions of reporters in the tabloids. Managed to bump up his client's bill over the next few months in the process.
  24. Mr.P
    Any savings belonging to your child should not (normally) be taken in to consideration when claiming benefits. The advantage of Junior ISAs is that funds can not be withdrawn until the child reaches the age of 18. With regular savings accounts, there is a temptation to "hide" money in the child's account and then use it to pay for day to day bills or even luxury items. With Junior ISAs, this can not happen, so the savings will be disregarded. However, it is always worth covering your back, so make note of the ISA on any benefit application form and highlight the fact that no withdrawals can be made until her 18th birthday.
  25. Mr.P
    When I had need to file a complaint with Ofcom about Tiscali, it was investigated and settled within a couple of months as I recall. This was quite a few years back, so things may have gone down hill since.

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