I'll try and keep to the point on this post... My Mother has used Swinton since she started driving 10 years ago or more now, made one claim (Which was paid in full by the third party) and lived at the same address. She recently found that she was actually paying more for her insurance than me (22years old, Vauxhall Chavalier, Living in Essex...) and asked Swinton what the problem was. They informed her that she had various other policies that she'd never asked for and Mum asked for the rep to knock them all on the head at no cost, which was agreed. Now, they're sending DCA's after her for a £40 missed payment, inflated to about £200, which she doesn't have. This isn't the first time I've heard of Swinton giving tin-pot DCA's Carte Blanche to do as they please and add on completely absurd fees, but why? She's now insured with a small, independant broker who she pays in cash on a monthly basis and has been nothing but helpful, so why can the new broker be honest, and not be adding on life cover, accident cover and all this tripe? She's saved 50% by going to a proper broker and I've even been in there and paid on the odd occasion and have nothing but good things to say. The Swinton Reps in Mum's town are all 16 years old and just want to sell another policy, even when you're going in there to make a genuine query on an existing one! Can the DCA be ignored and told to go away? Swinton have no losses to show as the policy was up anyway, the final payment had been made and Mum just wanted shot of them. They're charging this over-inflated cancellation fee when in fact, the policy was due to cancel only a fortnight after!

About 2 months ago i made a complaint regarding a payday loan company who was basically trying to get me to pay £1120.20 for a loan of £120. I called the Office Of Fair Trading and they somewhat did agree that as i did take the loan i should have to pay it back but not at the costs they are stating so they accepted my complaint and said they would report it to the proper authorities aswell... About 2 weeks after the conversation with the OFT i received a letter from my local council saying they are aware of my situation and wish me to explain further and to back up evidence of any communication between myself and microcredit.... Sorry to say i was not too impressed already explained all to the OFT so i did nothing!!!! sweet F All!!! Sooo not less than 20minutes ago i recieved a call from the OFT regarding Microcredit askine ME if wanted to be a witness against Microcredit as they are preparing a case against them :O REALLLLY..... CAN I DO IT JUST NOW? Nope she said with laughter Hahahah we will call you next week for an interview over the phone that will last upto 1hr... Nice! Im very much looking forward to it! So do you all think this will be the end of Minicredit/Microcredit or will they get let off with it? Are they even trading legally? Comments and suggestion where this is heading will be grateful!

HSBC is to allow customers to use the Post Office counter network for basic transactions following criticism by the government. Most UK banks, except for HSBC and Santander, allow customers to make withdrawals and deposits at post offices. A previous consumer minister last year accused the duo of "holding out" against offering the service. HSBC said that it was changing its policy owing to customer demand. A year ago it had claimed that fewer than three in 10 of its customers actually wanted such access. http://www.bbc.co.uk/news/business-19623327

Ok peeps i need a bit of help here , i am trying to find out where my tax office is. I live in scotland in Falkirk but have been told my payment centre for return to work credit is Cardiff. So do i use cardiff as my tax office? I have registered online self employed but have not heard anything as yet from HMRC.