Showing results for tags 'still'.
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The number of people who have failed to claim premium bond prizes has broken the one million barrier. More than £47million is waiting for winners unaware they’ve won a cash prize. Three bondholders have scooped £100,000, four have won £50,000, there are three lots of £25,000 to be claimed and 19 of £10,000. Read more: http://www.dailymail.co.uk/news/article-3299629/The-number-people-failed-claim-premium-bonds-passed-one-million-including-25-prize-1957.html#ixzz3rNkdwLEq http://www.nsandi.com/do-i-have-any-unclaimed-prizes -
Hi all, I had cause in January of this year to raise a grievance about a colleague. To explain, I work alone on a long shift and take over from a person who has worked an identical shift during the previous night (ie we cover a 24 hour period) When I arrived, and he eft, I noticed that he hadnt performed the work that he was supposed to do. This had happened before, but on this occassion, I decided to complain about him, and took photographic evidence to suppport this. When my manager interviewed me, which was about 4 weeks later, he viewed the pictures, and also cctv footage, which I also had a view of, showed the person who I was complaining about, performing an act which would be described as theft. I wont go in to what the incident was, as it is not pertinent, but I upgraded my complaint of harrasment and bulying, due to him leaving me to do his work, to an allegation of theft. The manager did not interview the other employee until July, with no explanation to me as to why the timescales for grievance procedures had not been adhered to. Following the interview, the manager came and 're-interviewed' me in Septemeber. At the start of the interview, I asked if the other person had admitted to my allegation and the manager confirmed that he had indeed admitted it. When I claimed that this should surely be all that he required to make a decision on the incident, the manager said that it wasnt because the other employee, during the interview had made counter allegations about me. These included me allegedly holding him against the throat and threatening physical injury. He also gave the manager a number of random covert voice recordings of competely unrelated conversations between the other employee and myself. the manager said that even if they were damning towards me, that they could not be used as evidence. Since that date., I have sent three emails to the manager requesting a copy of the notes of this interview, and he has complately ignored all of them. Whwether it is pertinent or not, the other employee brings in a lot of revenue to the company by way of issuing ticket enfocement notices on cars. My question is, what can I do as an employee who works alone, and is not in a union to get a resolution to this issue? I have worked there for just over two years now. thanks for reading this
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I stupidly took a loan out with amigo, lost my job and couldn't pay the monthly amount, my guarantor struggled after coming out of work with ill health so too couldn't repay, Amigo issued a ccj against me and the guarantor even though we called them and advised them of the issues and asked for the monthly payments to be reduced..erm no wouldn't do it, I pay £50 per month to amigo after getting the ccj that was what was awarded to them, Amigo then went ahead and put a charing order on my guarantors home, my guarantor has told me not to pay the £50 per month with the order being put on their house i have continued to pay the £50 regardless ..but with the order being on the house would you normally be expected to pay the balance or would amigo be if the home gets sold then i get my money anyway. In paying the £50 per month the debts coming down but dont fully see why they put a charging order on the guarantors house because if i dont pay they go back to court for the bailiffs??? i'm lost with it all and dont understand it to be honest can anybody help please. -
Hi, I recently moved out of a room I was renting in a shared flat. I gave what I thought was supposed to be one months notice about a week before my contract ended. After giving my notice my landlord informed me that it was supposed to be two months notice and I would have to pay rent until they found a replacement tenant for the second moth. I then told the landlord that I would stay for the two months. He said that I can't stay two months as he wouldn't be able to find a new tenant that close to Christmas. After I emailed him telling I would be staying for the months if there's a chance I would have to pay for it anyway he replied saying I was messing him around and I should move out immediately. After this I phoned him and we agreed that I would move out in two weeks. It has now been 10 days since I moved out. I have emailed him several times about my deposit and still haven't had any reply. Where do I stand with this? My contract does say that I should give two months notice but then he said I couldn't live there for the two months and to move out immediately. Is it worth using the ADR of the deposit protection scheme or should I just accept that I won't get my full deposit back? Thanks. -
hi all - general question on behalf of a colleague - if a settlement out of court is achieved directly with TOC are there any trace records that police / imigration this could surface up on please? i read somewhere that even if you settle, whilst no criminal record surfaces, there are other more detailed checks (Enhanced CBA) that may still pick this up? personally i am not at all convinced as the only record would be on the TOC DBase and the matter being settle financially suggests any record would be more akin to a Penatly Fine than anything more serious. views? thank you in advance -
I had a couple of bank accounts dating back to around 2011 go deep into over draft and then I left the country and abandoned them. Not big, not clever, but it is what it is. These particular accounts I had attempted to claim the bank charges back on during the test case a number of years back and been refused when the test case failed. Now that I'm being chased for these debts I want to try claiming back the charges again, which I am fairly sure totalled around the amount, or even more than the debts (which are £2100 and £730 respectively). These charges, however, go back anywhere from 5 up to 12 years distant, and I'm not sure I can claim these back any more, or if the bank will still have the information regarding them on file. In addition to this 1st Credit have indicated that they are now the holder of all information pertaining to these accounts and I imagine I would need to ask for any statements through them. Any help on how I should proceed would be lovely. I have not yet acknowledged the debt with 1st direct, fairly sure its not statute barred yet. -
It's a 'only wish it happened to me' moment, when Amazon (well marketplace trader) put the wrong price on an item in my favor. What is the position in insisting that I get the items I bought? I think much depends on 'the contract'. ie is it an offer and your acceptance -or- is it a contract? So far I have found in the "The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013" Under part 5 section 42 paragraph (3) states: Unless there is an agreed time or period, the contract is to be treated as including a term that the trader must deliver the goods— (a) without undue delay, and (b) in any event, not more than 30 days after the day on which the contract is entered into. So some hope? However, I note in my case, that Amazon have in their T&Cs regarding 3. PRICING AND AVAILABILITY "Despite our best efforts, a small number of the items in our catalogue may be mispriced. We will verify pricing when processing your order and before we take payment. If we have made a mistake and a product's correct price is higher than the price on the website, we may either contact you before dispatch to request whether you want to buy the product at the correct price or cancel your order." Anyone any idea how to test the validity of this clause?
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hi, I have recently started the dreaded work programme, however I have been offered a P/T job, 20 hours a week, which I found myself.. now I don't want my work programme provider to know anything about this, I want to just sign off and forget all bout the JSA and the work programme, however I will still need housing and council tax benefit, can the work programme provider stop me getting this if I just ignore them and not keep in touch with them? thanks -
A relative has approached me to ask for help with their ESA claim as they are still only in receipt of ESA at the assessment rate after 15 months. From the information I have it appears that they were claiming as a sole claimant in their own right initially. Then she advised that she was in a relationship and the claim was adjusted to reflect and became a joint claim. During this time, in order for her to maintain her own N.I Contributions she was to attend a medical appointment with ATOS. However, the first appointment conflicted with a family court hearing and they sent out a new date. The second medical appointment actually fell on a Bank Holiday and I took her there myself and the doors were locked and no one was answering the telephones. The DWP made no effort of apologiy and a further appointment alledgedly was sent out, albeit was never received. The relationship ended and she made a new claim in her own right in May 2014 From a timescale point of view, this relative has been on E.S.A. Assessment rate ever since and DWP have made no effort to arrange a new medical appointment for her. She has Mental Health issues and is unable to budget due to her capacity. This is causing severe distress and I am seeking your advice as to what legalities are available as ATOS are no longer involved. How can we get this situation moving?
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A unique Which? poll of bank staff at the five major banking groups found more than one in four who work in sales sometimes feel they’re expected to sell regardless of whether it’s appropriate. Which? gained unique access to hundreds of bank staff for the research, which was designed to test whether banks' public statements about scrapping sales targets have translated into real changes in staff behaviour and culture. We found evidence of improvement in some areas - for example, 78% of staff told us there is currently a greater emphasis on customer service than on selling products. However, it's clear the banks have more work to do. In our survey of 383 front-line bank staff from Barclays, HSBC, Lloyds Banking Group, Royal Bank of Scotland and Santander fewer staff said they feel under pressure to sell because of the culture in their bank http://www.which.co.uk/news/2015/08/poll-of-bank-staff-reveals-hard-sell-concerns-412851/
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I recently had an offer of £700 as a full and final payment accepted by Barclaycard. This was paid and I received a letter from them stating that the account was now settled. Today I got a statement saying I had a balance of £541.38 and that includes £18.75 in interest. What should I do? Should I just ignore it or call them? Any advice greatly appreciated.
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I would like some reliable advice on my current bailiff situation. A bailiff recently turned up at my parents home, I own the house, they are tenants, with a tenancy agreement. The bailiff refused to acknowledge this and gained entry by placing a foot in the door and pushing my elderly father aside. He then took an inventory of their belongings and bullied my father into singing the inventory. During this time I spoke to the bailiff on the phone, advised him I was unaware of the money owed, was happy to pay and did not live at that address. Bailiff refused to acknowledge this and later returned to my parents home and threatened them with the police. The bailiff did not, at anytime allow my parents to read the warrant, behaved in a threatening manner throughout and were physically intimidating. I contacted the police who advised my parents to call 999 if they returned, contacted the bailiff company and attempted to explain it was not my dwelling, nor were my goods in the premises and my parents were third party. I have also had my father make an affidavit to that affect and spoken to the council. According to the bailiff company the bailiff will return to my parents home tomorrow and again attempted to gain access despite these steps. Any advice welcome, many thanks -
We all (hopefully) know that continuing to use Windows XP is a risky business. The operating system stopped receiving security patches from Microsoft in April 2014, which means anyone still relying on the platform is at risk of being impacted by vulnerabilities that are being fixed in more modern versions of the operating system. In other words, XP users are living in a state of perpetual zero-day. But, perhaps you decided to persist with Windows XP, despite the pleas from Microsoft to give it up, and the advice of security professionals. Maybe you decided to run a freebie anti-virus solution like Microsoft Security Essentials on your XP computers in an attempt to protect yourself from the uptick in vulnerability threats and malware attacks. Well, now you have an additional problem. Because Microsoft officially ends XP support for its Malicious Software Removal Tool and updates for Microsoft Security Essentials today. Actually it ended on the 14th -
Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 yearsicon old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please? I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them. Thank you Maybe
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Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 years old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please? I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them. Thank you Maybe -
Hi All just wondering if anyone would know what he waiting time is for an ESA Assessment, i have been claiming ESA since July 3 2014, and still have no sign of anything to do with this, i have phoned up on numerous occasions to be told its being looked at, but still nothing. is there anything i can do to speed this up or shall i just play the waiting game... many thanks Lets
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Have read the other threads on site and else where about this car park. I read the parking notices like others and to be fair if it says for site users I missed that. The Biggest part says 1 hr only. Came back in less than 20 min and a ticket saying I'd been observed leaving the site, not sure how but I'm guessing there using CCTV as there were about 5 or 6 cars ticketed. Pay £100 fine but only £60 for paying quick. Well not much chance of that. There were only 10 cars in around a 100 space car park. Don't see that I have caused any inconvenience or affected trade for Staples and Maplin's which are the only shops on site; so I intend to just ignore it and not even appeal. Anybody think I'm misguided????? Comments appreciated. -
Dear friends, I have checked my Equifax and Callcredit report’s in the last few days as I know I have some pretty bad looking marks relating to a Barclaycard I had a good number of years ago, I have learnt from the error of my past and have had a clean credit file for the past 5 or so years. The Barclaycard was not managed well by me (I moved address in 2008 after graduating, got a new job and got married all simultaneously and did not inform Barclaycard during this busy period until 2010), although I never defaulted just had a large number of late payments, I am really upset about not being more proactive at the time as now I would like to get a mortgage and this is really holding me back. My main issue today is that Equifax are showing inaccurate Barclaycard data going back to 2006, and I only want it to show the most recent 6 years (going back to 2009). To get a better understanding of what actually happened I will explain my Callcredit/Noddle report first as they have reported the Barclaycard entries correctly: Jan – Jun 2009: To explain, I fell behind on payments in Jan 2009 & lots of fees were added by Barclaycard until June 2009 when they took money (minimum payment amount) from my Barclays current account to offset against the Barclaycard balance hence, a green mark in June 2009. Jul 2009– Mar 2010: Then as they added interest and more fees (from Jul –Mar 2010) this pushed me over my credit limit again until March 2010 when they again took money from my Barclays current account to pay the full balance on my Barclaycard. Apr 2010 – Mar 2012: I assume they kept the account open until March 2012 which is why I have a number of green payments for this period. Equifax Report: Right now my concern is my Equifax report. This shows a number of errors for Barclaycard, and frustratingly they are also showing inaccurate data going back to 2006: I only really want the most recent 6 years showing (from June 2009 onwards) as I don’t see why they should be holding data on record which is way older than 6 years. As they have recorded the payment markers incorrectly, if the report would show only the most recent 6 years then I wouldn’t have any late payment markers showing which is what I am hoping to do however, in reality it should show like the Noddle report with late payment markers in 2009/2010. I would like to find a way of asking Equifax to update my Barclaycard records to only show the most recent 6 years (green markers from 2009 as above) without worrying about Barclaycard reporting the correct dates (late markers) to Equifax and Equifax amending their report. Is there any way I can do this? Do Barclaycard still have the authority to ask Equifax to change the data even though it was so long ago, or do Barclaycard have to report it within a certain timeframe? Is there any way I can ask for the whole record to be removed due to the incorrect entries/dates? Should I approach Equifax or Barclaycard as I would like to try and get this done as soon as possible as I have seen a house I would like to buy? I apologise for the long post but its the only way I could explain it due to the complications, any help is really greatly appreciated x Imogen -
Interesting article in the gazette http://www.lawgazette.co.uk/5049573.article?utm_source=dispatch&utm_medium=email&utm_campaign=GAZ250615 But that necessity may come to the fore again as the government wrangles over how to amend or repeal the Human Rights Act: nothing is so fundamental that it cannot be repealed by parliament, if no longer by an all-powerful and capricious monarch.
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I have been looking for a vehicle to purchase second hand and finally came across an Xtrail which I viewed on Saturday. As it was close to their closing time I just discussed the financial aspect of things as I am currently in the transition of changing circumstances and therefore documentation is sparce until August. They were going to discuss my circumstances with the finace company on Monday and let me know. I heard from the finance company on Monday that all was well and als=most immediately received a call from the dealer with their usual salesman patter, "ther eis someone else looking at the vehicle and it will be a first come, first served basis" and I naturally replied, I don't surcumb to pressure, if they want it, they can have it because I don't buy a car without having test drove it. He wasn't too pleased about it. I went over on Tuesday with my son to drive it and he heard a noise from the rear which was highlighted and discussed with the Manager of the site. He assured me that the vehicle will go through a 160 point check and will put 12 months MOT on it as the current one expires in August. Based on his assurances, I paid £100 deposit for the vehicle to be taken off sale and signed the Sales Order, finance agreement etc. We agreed that I would pay the balance of the deposit (£400) on 25th June over the phone, and collect the vehicle on Friday 26th June because they said they were unable to carry out the MOT until the balance of the deposit had been paid. I have paid additional monies within the agreement for 12 months warranty but I am not sure who that is with. However, having discussed my excitement with friends, one of them has highlighted some poor reviews on the dealership and I am wondering if I have let myself in for some trouble next week? I know reviews are hit and miss as with all things but as my funds are extremely limited, I would appreciate your thoughts on whether I have been stupid in my process to purchase this vehicle and suggestions on how to proceed under the circumstances please. I note from their website they still have the vehicle for sale and have reduced the price by £100 Shelley -
Hello, I owe two banks just over £4k from long ago - it was the result of bank charges and excessive borrowing to cover those charges. At times it was actually the charges that caused more charges. Those two bank accounts are still on my credit file as defaults and as far as I know were closed some time ago. Both date just over 6 years ago. Because of those two banks and their charges my credit history was badly damaged, I tried borrowing from other companies to 'make it right' and pay it off but the snowballing effect has started and soon I found myself borrowing more than I could afford to pay, debts were piling up and I suffered two major breakdowns and am still battling with depression, anxieties and poor health. And still battling with poor credit history and debts piling up. My question is - is it still possible and doable to reclaim charges or some of the charges or to nullify or reduce the debt that I owe to those two banks. Many thanks in advance for any input on this matter.
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I paid for parking via mobile and received a penalty notice for non payment. The appeal went to POPLA, and APCOA then agreed in their statement that they had received payment but not my vehicle reg. I stated that I entered my vehicle reg with my payment details. APCOA claimed that they sent me a separate text message asking for vehicle reg. They did not. I did however receive a voice mail from them saying that payment process was complete and I was entitled to park for 24 hours, so I assumed that everything was in order. (APCOA haven't denied this message). POPLA denied my appeal, the assessor stated that I hadn't entered my reg details (even though I disputed this) so payment wasn't valid. What did I pay for if it wasn't parking? I followed exactly the instructions communicated to me and APCOA didn't have any loss of income. I cannot understand the assessors decision. -
Airline passengers hit with long flight delays continue to have compensation claims delayed or turned down despite a court ruling almost a year ago that was meant to have settled these once and for all. Rules state that passengers flying with an EU-based carrier or from an EU airport who reach their destination more than three hours late can claim up to €600 (£448) plus expenses, per person if the delay is within the airline’s control. Airlines can only refuse payment if the delay was the result of an “extraordinary circumstance” beyond their control and, previously, many had been claiming that routine technical problems fell under this definition. Yet a ruling, upheld by the high court last summer, should have changed that. It involved a claim by Ronald Huzar against budget airline Jet2.com for a delayed flight. The airline said there was an unforeseen technical problem, amounting to “extraordinary circumstances” meaning it did not have to pay compensation. Judges ruled against Jet2 and this was upheld by the Supreme court last October. It was hoped the ruling would clarify the strength of this common reason used to refuse a payout, but airlines continue to dig their heels in and ignore or contest the outcome. http://www.theguardian.com/money/2015/may/11/airlines-ignore-court-rulings-over-compensation-for-delayed-flights
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Hello eyeryone, Im new here so I hope Im in the correct place to post. I had a small debt with HMRC. I was late in filing my tax return, I had moved house and during that time letters went astray. The first I heard of the late fees debt I paid it in full direct to HMRC. However, I am now getting harassing telephone calls, text messages and threating letters from a debt collection agency working on behalf of HMRC asking me to pay the very same debt I have just cleared. I have asked them to stop contacting me and told them that the bill has been settled but they still persist. They have threatened to call at my home and seize my posessions and take court action against me where all sorts of fees would be added. Is there anything I can do? HMRC account says my bill has been paid. Thanks for any assistance. juneberry
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I wonder if anyone from Renfrewshire is having the same problem. I have been waiting 7 months for my DHP application (to pay the bedroom tax) to be processed. I have contacted the office a few times by email and get the same response "we are dealing with many of these forms and your claim will be reviewed". I have also sent in a new claim for DHP starting this april 2015 and have still heard nothing. I successfully got DHP twice before but since the SNP announced they will be fully mitigating the bedroom tax everything seems to be at a standstill.
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