Showing results for tags 'should'.
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Hi Everyone, Newbie here who found this website whilst googling for information on F & F debt settlement offers. I'm looking for some advice please, on our next course of action. My husband and I jointly have 5 debtors, one of whom is our son. We used some of his inheritance money to try and pay off credit card debts when I was made redundant, something we are both deeply ashamed to admit. In 2010 we sought the help of the CAB who arranged a debt management plan with our debtors. We have been paying minimal amounts ever since as we have virtually no disposable income. This what we currently owe:- Tesco credit card debt 2994 Natwest credit card debt 11,811 M & S card 6099 Store card 900 (This account has been sold on to Moorcroft and was the smallest sum!!) Son 9000 We are paying them a total of £25 per month (between them all, excluding son) and as my husband and I are 56 and 57, I don't see our financial position improving substantially any time soon. We have substantial mortgage shortfall on various endowment policies and this needs to become a priority for us, if it's ever to get paid off!! (We re-mortgaged 3 times to pay off credit card debts over the years). due to the changes in the law I can now access a pension lump sum of about £10k and was going to try for a F & F settlement of our debts with this sum just so that we don't have this hanging over our heads right into retirement. I don't see that we will ever be able to pay off the full amounts owed to the credit card companies. Our son has agreed not to press us for any amount now, he knows we have no way of getting more money at present. We will eventually inherit a lump sum from our mother in law and will pay him then, but she's currently in rude health So, should I try and use my pension to pay off these debtors, and is it likely that they would accept such a small percentage of their total debt? We are not worried about what's on our credit record now as it must be totally trashed and we never want another credit card anyway. Also as we are homeowners is it likely that they will try and get money from us if we ever sell the house (which we don't want to do)? Many thanks for any advice. -
Hello, A friend told me about this site and that I'd get good advice so here goes. I've been working for the last year but got made redundant last month. I went to claim job seekers and the woman said I need to go on some work programme to help me with work experience even though I've been working for years and only lost my job last month. She told me I've got to go to some pakistani charity in finsbury park even though I live in south london. I don't have the money to get there and actually don't even agree with this charity after researching it. I think money and free labour should help people in our own country and not pakistan which is a place I really don't like. But if I don't do it I'll get sanctioned. My friend told me that I should tell my adviser that I'm feeling depressed about this and it makes me feel anxious. If I do this then I can claim something called ESA and they'll leave me alone. He said everyones doing it to get out of the hell of JSA, but I don't feel comfortable pretending to be nuts when I'm not. What should I do? thanks.
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Hi, I bought a £3 all day parking ticket for a Link Parking maintained carpark. The ticket moved when I closed the door and flipped up side down displaying the blank side (back of the ticket). I received a fine for this (£60 now or £100 if left). I followed their appeals procedure and was rejected, I appealed to IPC who sympathised but also rejected. Is there anything else I can do? -
I have applied to several UK banks for current accounts over a period of approximately two months and, for various reasons (such as mistakenly being classified as not being on the electoral roll), been rejected by all of them. The application searches are on my Experian credit file. I appreciate that having too many applications in a short period of time is not something the banks take too kindly to. Should I wait a period of time before applying to further banks? I appreciate it's a question one can generally only guestimate, but how many banks would be "too many" to apply to before further banks get suspicious and reject an application? If I should wait for a while, how long should I wait please? Thanks a lot. -
I requested my credit file from Experian and it states I am not on the electoral roll: "No Electoral Roll Information available from the addresses provided". I registered to be on the Electoral Roll a few months ago. This was confirmed to me by my local authority and I also received a voting card for the last general election. Therefore this has shocked me. I have been applying for bank current accounts over the last few weeks and, disappointingly, been rejected by all of them. I am already in a weaker position than most people as I have a non UK passport, not even an EU one, and mine is from a country which many financial institutions classify as a 'high risk' one. And then to also mark me as not being on the electoral roll would be another negative when banks check my credit record. I had some questions please: - if Experian say I'm not on the electoral roll, is it likely the two other credit reference agencies will state the same thing as well? - what could have gone wrong? - how long does it normally take for the records of the credit reference agencies to be updated about somebody being on a local authority's database? - how may I get this rectified please? How long does it take for the credit records to be corrected? - last, but not least, is it worth me applying to more banks? Or should I wait until the records are updated, even if it takes many weeks? How fussy are banks about somebody being on the electoral roll please? Thanks a lot in advance for the advice.
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ASA Adjudication on accidentinjuryclaim.so accidentinjuryclaim.so Date: 24 June 2015 Media: Text Message Sector: Financial Number of complaints: 2 Complaint Ref: A15-296651 Ad A text message from a personal injury claims company, http://www.accidentinjuryclaim.so, stated "Its [sic] been signed off, we have 2886.41 in your name for the accident you had, for us to put in your bank [sic] Now just fill out www.accidentinjuryclaim.so". Issue The complainant challenged whether the ad was misleading, because they had not been involved in any accident or made such a claim. CAP Code (Edition 12) 3.13.7 Response accidentinjuryclaim.so did not respond to the ASA's enquiries. Assessment Upheld The ASA was concerned by the lack of response from accidentinjuryclaim.so and their apparent disregard for the Code, which was a breach of CAP Code (Edition 12) rule 1.7 (Unreasonably delay). We reminded them of their responsibility to respond promptly to our enquiries and we told them to do so in future. Since we had not seen any evidence showing that the complainant had been involved in an accident, had made a claim or was entitled to the money referred to in the text message, we concluded that the claim had not been substantiated and was misleading. The ad breached CAP Code (Edition 12) rules 3.1 (Misleading Advertising) and 3.7 (Substantiation). Action The ad must not appear again in its current form. We told accidentinjuryclaim.so that their future advertising must not state that they held money for people to claim when that was not the case. -
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 -
Hi all - I hope someone can help with this query - thanks in advance for any advice! My situation - I've been on a Debt Management Plan for a few years and use one of my two bank accounts to make the payments. Last summer while I was making my usual DMP payments I noticed online that an overdraft facility had become available on that account, interest free for a year. I thought it'd be a good way to help pay off the few creditors who were still charging me interest, including a couple of payday loan firms. The problem is that in the coming months every time I clicked on the overdraft link online I was allowed to borrow more - taking it from £200 up to almost £6,000 now. I was stupid to keep clicking, I know... But the bank gave me this overdraft despite me: a) not paying my salary into the account; b) having multiple defaults on my credit record; c) making payments to two or more debt collection firms each month; d) using payday lenders and, e) even more stupidly, gambling online - a big part of how I ended up in this mess in the first place. So - they are due to start charging interest on this overdraft soon and it's going to tip me over the edge (again). I really don't want to default and want to find a way through it. But my question is whether I should complain about a breach of their responsible lending guidelines. Would that serve any purpose? Do I have a case? What might they do, for better or worse? I've actually had refunds from a few payday loan firms who acknowledged they should never have issued loans to me, so I'd have thought a mainstream bank must have some sort of similar view? Any advice would be very much appreciated! Thanks
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If so, Why ?
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What if anything do I do next?? I have recently found out that Cabot have bought another of my old debts from Yorkshire bank, the difficulty is that Yorkshire bank took me to court in February 2011. after I gave them the request for my original signed documents they then wrote to me stating the debt was unenforceable. Should I tell Cabot about this or wait for another claim form? -
There are posts on forums that Experto Credite are about to go belly up. If you search "Experto in trouble" in google you will find the posts. Posters are saying that Experto Credite can't pay some government department (HMRC/VAT?) and they have stopped paying staff. I have plans with them for debt they have bought from MBNA (Varde?). Should I keep paying them? I am worried that my payments will go missing or be frozen if they go bust. Anyone else here have payment plans with them?
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The next £20 banknote will celebrate Britain’s achievements in the visual arts and the Bank of England would like the public to nominate who they would like to feature on the note. The visual arts is broadly defined and covers architects, artists, ceramicists, craftspeople, designers, fashion designers, filmmakers, photographers, printmakers, and sculptors. Nominations cannot be fictional of living persons Please make your nominations by 19 July 2015. http://www.bankofengland.co.uk/banknotes/Pages/characters/nominationform.aspx
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Hi all, Over 12 months ago now, I was wrongly accused of Benefit fraud by the DWP who stopped all my income with the exception of Child Benefit. My local council then followed suit and stopped my Housing Benefit and Council Tax Support saying they were acting under the instruction of the DWP. To cut a long story short, I went to Tribunal and the Judge ruled in my favour. However, the tribunal was appealing the DWP's decision and not the Council's (I thought the appeal covered both as they acted together but this wasn't the case) I then with the help of the CAB appealed the councils' decision and recently (in the last 2 weeks) they overturned their original decision. I have now received a Court Summons 7 days after receiving an adjustment notice where the alleged "Overpayment" was taken off and the council tax support that I should have been in receipt of has been added. I am not in disagreement that I am in Council Tax arrears, as since all my benefits' stopped I was plunged in to terrible debt. I have been recently making contributions of £10 or £20 as and when I could afford it but there is no way I am able to clear the whole amount. I have requested an income and expenditure form from the Council on 3 separate occasions so that I could make an offer of repayment but I have never received the forms. The summons also has my Partner's name on them, but it is trying to recover council tax off him from periods when he wasn't even living at my address, I'm not sure if this has any bearing? The council have so far made no attempt to repay the Housing Benefit that I was entitled to whilst I was being wrongfully accused of benefit fraud or indeed to refund the money they took from a subsequent claim. If they were to give me back what I was originally entitled too, it would be more than enough to clear the council tax arrears! I really could do with some advice on how is best to proceed with this, obviously I preferably don't want to have to pay the £107 summons fees if it can be avoided. Thank you in advance, CAM -
Hi All, Apologies if this sounds like a daft question but should a NOA contain certain wording to be valid? The sentence I am interested in is as follows: 'has assigned all of its respective rights, title and interest of the above referenced account including the outstanding balance to....' Thanks. -
I've just sent a complaint to Lowlifes regarding not updating the balances on my credit file for accounts they hold, my basis being that this could be detrimental to my ability to obtain employment and/or credit etc and that under the ICO's “Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies” they clearly fall short of ensuring that the information is "fair, accurate, consistent, complete and up to date. “ . No I don't honestly expect to get far with the actual complaint but it will hopefully use some of their resource to address the issue, if the response is as poor as anticipated this will cost them about £550.00 if I escalate to the FOS/ICO (not sure which would be the correct one) and, perhaps most important of all, IF they get avalanches of complaints it might just give them a desire to rethink their practices! So how much do people on here register complaints, in addition to launching legal action etc? - and is it worth the effort of am I peeing in the wind and they just don't pay any attention to it?
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I've now been waiting 5 weeks since I put my application in. Is this normal? My circumstances are very simple; no loans, no credit card payment facilities, no overseas transactions and no bad credit history. I've just been promised for the 5th time that the account will be open in 2 working days.
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Hi, Claim against : bank of scotland Type: Credit card Hope you can help my wife and I have been claiming against PPI and have received a letter saying they had finished they're investigation in March 2013 but have reassessed it and have revised the decision, they have said that they will pay the following: Refund Due: 362.93 Less Basic rate tax on refund £19.30 Total Payment: 343.63 They say that they have included 8% interest on it They say the decision has been made and they will not be reopening the file and have sent us a cheque for the above amount. Do you think we should persue this further or are we at the point where we have got what is entitled to us? They sent a letter on 22nd December 2013 (which we did not recieve) and now we have got this letter. Thanks For any info, N.
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I am considering setting up an E-petition when its back after the elections calling upon the government to recognise Ergophobia or fear of working as a recognised medical condition. I am interested to know of any experiences from people who may have this condition or know someone who has and gauge peoples perception of how they view people who suffer from this condition. Unfortunately the mental health community does not recognize work aversion / fear of work as an illness or disease and therefore no medically recognized treatments exist. Can you imagine the hell sufferers of this condition go through each day in order to survive, not only do they have to cope with limited finances, hounded by the DWP and stigmatised as work shy and lazy, there is no help available to them should they mention their illness to the wrong person and could find themselves in severe financial difficulties. The quicker this illness is recognised, the faster these people will get treatment. -
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In September 2013 I started writing on the forum about the procedure that debtors were expected to take in cases where a bailiff took control of a vehicle (or other goods) that either did not belong to to debtor or which the debtor considered (for one reason or another) to be 'exempt' from being taken. To avoid repeating myself a copy of the thread is below: http://www.consumeractiongroup.co.uk/forum/showthread.php?418396-Third-Party-Goods-Interpleaders-and-the-serious-potential-to-damage-the-new-Bailiff-Reforms-on-6th-April During that period (mid to late 2013) I spent a considerable amount of time writing to many organisations (including finance companies etc) and in my correspondence to government departments, I urged them to consider implementing a procedure whereby debtors could avoid the costs (and considerable delay) of court action by the debtor making an initial 'informal' claim to the enforcement company. I was delighted to hear that my suggestion was implemented (with minor amendments) and the position from 6th April 2014 is that instead of a debtor (or third party) having to issue court proceedings a simple informal procedure MUST first be made to the enforcement company within 7 days. The procedures are outlined under section 85 of the Civil Procedure Rules and came into effect on 6th April 2014. If a debtor considers that a vehicle should not be clamped or removed as it is thought to be 'exempt' (maybe as it is subject to finance or 'necessary' for employment) ) then it is a simple matter of writing to the enforcement agent to outline the reason why the debtor considers that the vehicle is 'exempt' and to provide any supporting evidence. The enforcement agent must then serve the creditor (normally the local authority) with a copy of the claim and the local authority must decide within a specified number of days whether they 'admit' the claim. If they do, the vehicle is released. On a personal level I have prepared many of these 'claims' over the past 7 years and so far....not one has ever been rejected and the goods are released. As long as the supporting evidence and 'reasons' are clearly outlined there should be no problem at all in the goods (normally a vehicle) being released. It would seem that in the past couple of months debtors are (for one reason or another) bypassing this initial procedure and instead.....making an application to the county court for an injunction. Unfortunately debtors are quickly finding that this procedure is not only wrong but is very expensive and can lead to their car being held in storage etc for a long period of time. -
I am mightily confused. I have been signing on for 12 months, at the start of my claim I signed a claimant commitment stating I will do X number of steps each week to find work, IE look in papers, ask family and friends, use UJM etc. I completed my job search online and always filled in my activity history on UJM, ensuring I recorded X number of steps as required in my claimant commitment. Part way through the year I was told not to use UJM instead I was given a paper template to fill that stated I must do 35 hours job search per week, this had a section to fill stating the time each task took. Some time later I was issued with a pie chart diagram which showed different activities I could include in my 35 hour job search. Now I have been given another paper template form which states I have to apply for and record 10 vacancies jobs per week. What the heck as happened to my claimant commitment, no where in that did I agree to a 35 hour week job search nor did it state when I signed it that it was a requirement. Secondly, I would never agree to applying for X amount of vacancies per week , what if the only suitable vacancies are ones I have already applied for. And now they have just reissued me a new claimant commitment to sign which is basically same as my old one except they have added “ engage with the work program” Can they enforce this 10 job application rule and what is in place to prevent me from just jotting down bogus applications. Obviously I am fulfilling my claimant commitment still but as there is no actual way to record that activity any more am I even obligated to carry it out. From what I can gather the 35 hour per week is only a suggestion and not enforceable as long as client shows they have took reasonable steps they cannot be sanctioned but I cannot find any info at all regarding the 10 vacancies per week.
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After sending a LBA to my previous LL, who had not secured my deposit (£650) with the TDS, they returned the deposit in full. I re-sent the LBA reminding them of the maximum penalties (3x £650) for non-compliance. The LL has now come back with an offer of £650 in full and final settlement, stating that they were unaware of the law - even though it was specifically referred to in the LL's rental agreement. What is the chance of a claim for the maximum penalty of £1,950 succeeding, now that the LL has made this offer? -
Hello Everyone, I took out a car insurance policy with Tesco Bank Car Insurance on 16.03.2015 and emailed my proof of NCB on 19.03.2015. I was told by them that I should receive an 'auto-response' email, which I did. It was stressed to me however that I should receive a confirmation email that the NCB had been accepted and applied to the policy, which I haven't. I therefore rang them today to ask them for this confirmation and they said that all calls were recorded and could confirm that they had indeed received and applied the NCB. They said that because I hadn't supplied a mobile number they couldn't send the confirmation of NCB, as they usually do this by email and text message (even though they have my email address). After hearing horror stories about Tesco Bank Car Insurance I was immediately concerned as something didn't feel quite right. I stated that I would still prefer something in writing, and they said (begrudgingly) that they'll get "someone from the back office" to put it in writing and I should receive something within 10 working days. I also rang them because their policy states that the main driver (me) and the named driver had held a licence for 10 years, when in fact I've held a licence for 17 years, and the named driver 25 years. They said that because I applied online it defaults to a 10 years maximum. Could this be classed as incorrect information should a claim be made? After hearing that people have had their insurance cancelled without their knowledge, the question is, should I be worried about any of this? Best wishes, Milly
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Hi everyone, Can anyone help me to quote the right legislation to the Employment Tribunal? I am asking the ET to confirm that I should be administered as an employee rather than self employed. I am paid the same rate per hour as the employees but they get statutory holiday pay and SSP. We all do the same job and report to the same manager. The only difference is the way we are paid. Would there be some claim under the equal pay provisions? I would like the ET to confirm that I am an employee and I would really like backdated holiday pay! Can I claim that and if so can I claim it from the start of my self employment with them? Very many thanks! -
This was an especially acute problem over Christmas with a lot of complaints on the Amazon website about my Hermes (different from the Hermes network) but this applies to most online sales companies. The issue is this: as a customer you have to pay postage (quite rightly) but get no choice of who is used and usually no visibility of which company before you’ve paid. So, most Amazon purchases are delivered by the cheapest, most unreliable form whose online tracking system is sheer fantasy and is acknowledged as such by many frustrated customers. A company that many would not choose to use is getting their money, paid under compulsion. I’ve asked the question (but received no reply, which makes me think that the answer is yes) as to whether 3rd party sellers on Amazon are obliged to use my Hermes to deliver. Customers on the Amazon website who appear to know the background say that my Hermes had to buy a tracking system if they wanted to get the Amazon contract but bought the cheapest, most unreliable one that had been rejected as totally unfit for purpose by other delivery companies. It feels like a possible abuse of dominant market position, though of course that may be an unfortunate appearance not borne out by the facts. I think if CAG were to investigate they'd get to the bottom of it in a way that individuals can’t. I’d be prepared to put time into this. A good result would be to have a transparent choice between at least 2 named companies (at different prices if necessary) on checkout when shopping online.
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Hi, I don't do Facebook so I have started a thread on the MoneySavingExpert forum - The Acenden (administered mortgage) Escape Committee in the section called "Mortgage Free Wannabe" (I can't post links here yet). - Acenden have apparently recommenced selling mortgages on behalf of their new owners. Do join me there. I will post more information on that new thread in a while, eg about the danger signs that indicate that Acenden means to repossess. Everyone's case is unique but there are things we can to help each other get clear of these cowboys.
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