hello, I have complained to Nationwide about mis-sold PPI and they have agreed that it was mis-sold. In their offer letter they state that the account is in arrears and that any monies paid to me will pay off the debt first. It relates to a loan that I was unable to repay in full. At the time of negotiating a FFS, i paid £4500 on a balance of £10k. My credit file is marked settled and I have a letter from them to say that it is settled. So my question is a simple one; Taking into account that the account is now settled, surely they won't now try and pay themselves the PPI award? Any advice would be much appreciated! Thank you!

Hi Guys, I hope you can help me as I'm a little unsure of where to turn with this. Last year I received paperwork from Northampton Court for a CCJ that a debt collector was trying to obtain against a debt I had with Llyods TSB approx 5 years ago now. At the time I went online to lodge for an extension to 28 days in which to lodge my response as the amount they were quoting had nearly doubled from what I owed. I managed to get the extension and gathered all my information appropriately. When I tried to enter my response online about a week later I was unable to log in to my account. I telephoned Northampton and was told that they were experiencing serious issues with the online service and to send everything to them via Royal Mail. I did this and have never heard anything more about it. Yesterday a court bailiff called at my home whilst I was out and left a letter with a visitor to my next door neighbour. This letter states that I am in contempt of court, the reference number relates to the above CCJ application, because I have failed to return paperwork to my local county court. The letter then goes on to say "to avoid the possibility of this action" I need to attend the bailiffs office at the county court. I think the letter itself is purposefully not very clear, the bailiff that attended my property was obviously not bothered who he handed the paperwork to as he made no attempt to ask who my neighbours friend was before handing the letter over them. I'd be grateful for any help or suggestions about where I should go from here. Thankyou

Hi, I am currently suspended from work following alleged theft of paperwork to cover up false information (which I didn't do). My employer has been carrying out an investigation in which I have been interviewed. They were also due to interview the person who provided the information which is alleged to be false on Monday at 12noon, at 11.30am on Monday I received a call to advise they were proceeding to a disciplinary hearing and would be sending me a letter confirming this, which I received on Tuesday. I checked their disciplinary procedure/policy and it states - "Once the investigation has been completed a decision must be reached on whether the matter should proceed to a disciplinary interview or if no further action is necessary. If a disciplinary interview is necessary, the employee must be interviewed and informed of this decision. If no further action is appropriate the employee must be interviewed and informed of this decision". I have raised concerns with my employer that they are failing to follow their own procedure as the investigation was not complete when the decision was made to proceed to disciplinary hearing and I had not been interviewed and informed of their intention to proceed to disciplinary - my employer is dismissing my claims and have stated that they had enough findings to making a decision prior to interviewing the witness and that the witness would not be able to answer any questions relating to the whereabouts of missing file and that being interviewed/informed of going to disciplinary would infact be part of the disciplinary hearing. I would be really grateful for any advice. Thank you in advance.

Hi all, Today I have received a letter telling me I'm being investigated for benefit fraud and I must attend an interview under caution. I can categorically state I've not been involved in benefit fraud and I'm a mixture of angry and worried. I called them to ask what it was about and all they would say is that they have reason to believe my partner was living with me when I claimed. Here's the situation: I was living with my partner until June 2010. Due to various reasons we separated and he moved out. From this point I claimed benefits as I was looking after our child etc. He moved into work accommodation and paid his rent, bills and registered to vote etc etc. This can obviously be proven. We had a child together and when I called benefits to advise that my partner moved out they said "will you be sorting out child maintenance?" I replied that we would sort it out between us which they were happy with. We were amicable for the sake of our daughters and he suggested paying the gas, electric, water, tv license aswell as contributing to clothes, nappies etc for kids. This contribution amounted to about the same value as the £180 per month I would get from the CSA. It made sense too as I only have a post office account so could not have direct debits. So he kept to the direct debits. His accommodation was a single room in works accommodation and due to the nature of his work it was not appropriate for kids to go there. He would come and visit the kids and take them out a few days a week. On the odd occasion he would stay overnight to look after them more. He would sleep on the sofa and didn't eat with us at all as he was on maximuscle protein shakes so didn't eat lol. By staying over on the odd occasion I mean rarely. This continued for months. In may 2011 we began to discuss getting back together and he moved in early June and we immediately informed dwp and hmrc etc. Today 6/7 weeks later we have received this letter. I'm just worried and angry as I don't see that Ive done anything wrong at all. I can prove he lived elsewhere. What evidence could they have when ive been completely above board? Any help, advice etc would be great. Thanks

http://www.irishexaminer.com/ireland/kfsnsnojidkf/rss2/

Customer Update Many customers should continue to see an improved position on their accounts today, with account transactions continuing to update. We now expect that next week (commencing 9 July) will be the final week of any significant delays for Ulster Bank customers. We expect gradual, but significant and noticeable improvements throughout the remainder of this week and next. It is our expectation that by the week of the 16 July the vast majority of customers will return to a normal service. There may be some final reconciliations required to customers' accounts.We will provide updates daily on our progress. You can find out more by reading the latest media statement from RBS Group. We know this disruption to our customers is unacceptable and we're committed to doing all we can to help as many of our customers as possible. 42 of our branches will have extended opening hours from 9.30am to 7pm until Friday 6 July. . To help us facilitate your requests, please bring photographic identification and your account details (account number and sort code) . Please bring your payslip if the balance does not reflect any salary payments. We have also doubled the number of staff available in our call centres. Our dedicated help desk is open 8am to 10pm to take your call on 0800 231232. If you are calling from abroad please call +4428 90843556. We confirm that no customer will be permanently out of pocket and there should be no adverse impact on customers' credit ratings as a result of this incident. We will continue to post daily updates here. Follow us on Twitter @ulsterbankgroup Key Questions on Customers' Minds How can I access cash? If your balance does not reflect up to date payments due into your account, please come to any Ulster Bank branch with your photographic ID and your account details. Please bring your payslip if the balance does not reflect any salary payments. Ulster Bank credit card holders may also use their card for cash withdrawals from an ATM; no cash advance fee or interest will be charged for using this service provided the amount withdrawn is repaid within one month of the withdrawal. What is the situation with lodgements made to my account? Electronic payments are being received into accounts but they are delayed. If your salary, pension or welfare payment was due to be paid into your account before Thursday 21st June, this is now in your account balance. If you were due to receive your salary via an electronic payment between Thursday 21st and Friday 29th June this may not yet be in your account. Lodgements of cash or cheques made over our branch counters from Wednesday 20th June are receipted but have yet to be credited to customers' accounts and will be credited as we clear the backlog. What about my direct debit, will it be paid? Direct Debits that were received between 21st of June and 3rd of July will be paid; however, you may not see these reflected in your account until our systems have been fully restored. Direct Debits up to 20 June have been processed as normal. You may wish to let the beneficiary know that there is a delay. We understand that customers are concerned they might get disconnected from a utility or service provider if their account is not paid. We would like to reassure our customers and those of other banks, that we are working with other banks, service providers, insurance and utility companies to make sure that, as a result of this issue, customers will not be without their services, will not be permanently out of pocket and will not have their credit record affected. Is Anytime internet and mobile banking operational? Yes, our internet banking and mobile services are available to allow you to view your accounts, make transfers and pay bills. Please note that you will only be able to make transfers and pay bills on Anytime internet or mobile banking up to the stated balance which may not be up to date. As we update our systems there may be times when the service is temporarily unavailable; if this happens please try again later. Please remember we will never contact you to ask you for your PIN or password. We have suspended our text balance service while we resolve this issue.

My grandfather died approximately 20 years ago, I have located his will and probate which passed the property he owned to his wife and then following his wifes death to his daughter- (who is my mother). She is now 75 on checking all the documents for the property its still in my grandfathers name and has never been transferred she has all the title deeds so I assume it is not registered with the land registry as the house was a self build from my grandfather, I have a document registering the land but not the property. can anyone advise ? Should I initially get all the deeds and get the property registered with land registry and what will happen with the missed transfers my mother does not seem worried but if anything happens to her I would like to be prepared and get it all in her name now any advise appreciated I can not afford a high legal bill so would like to tackle this myself. The estates of all people involved would be well below the threshold for inheritance tax. Also I have the will /probate of my grandmother leaving her estate to my mom