Not only will they take 20% of 'your' money plus another 20%vat on top of that, they spend some of that money they take from you paying Indian spammers to spam forums. They also conveniently do not have their Terms & Conditions showing saying there is a problem with the page but admin have been informed. Well admin must be on holiday because it's been like that for a long time. What have they to hide, what is in their T&C they don't want you to know. http://uknationalforums.com/showthread.php?1035-Claiming-Back-PPI

Hi Can anyone let me know whether MBNA has broke credit agreement. Last year I opted out of an interest rate rise which froze account so that they could no longer increase my interest rate and I only pay off minimum amount every month. But it seems they have been taking minimum amount + £10 on top, this was never agreed with me. So question is have they broke terms of credit agreement, if so where do i stand. Thanks

Hi All, Getting a bit stressed on this one, seems like they always have the upper hand. I've posted bits about this in two other sections but I guess I need to put all the problems into one post and decide the best way forward. History: I have a car on HP. Broker put the deal together for the finance company in 2008. Within 14 days of signing the paperwork I noticed that the purchase price of the car was incorrect by £1300. It should have said £4200 but instead the agreement was set up for £5495. I raised the issue with the finance company but they said it's the brokers problem to solve. I've gone back and forth with the broker for the last 4 years with no success what so ever. I have an invoice for the car to prove the price should have been £4200. I recently attempted to send the car back (as you can with a HP agreement) but was told I would still have to pay the full amount of loan (another £4000 left to pay) as they had already terminated the agreement 2 years ago. I knew nothing about this. Never received a termination notice and I do not have a default on my credit file relating to any termination in the past. Plus I still have the car and receive letters from time to time reminding me of my right to terminate??? When I found out about the termination I went back to check the terms in the paperwork and discovered that when the broker emailed the agreement to me, they forgot to add 3 pages of the terms and conditions. So, I have a signed HP agreement which states the wrong purchase price by £1295 too much, 3 pages are missing from the terms and finally I have lost the option to give up the vehicle and walk away as the finance company claim they terminated 2 years ago even though I never received the termination notice or default notice nor did they report a default to the CRA's I am now expected to pay them another £4000 cash despite already handing over £7000 for a £4200 car. I have written to them recently to complain and they have subsequently wacked a default on my file as of the 9th September in retaliation. HELP!!!! Cheers, 1970.

Hello, I'm looking for some advice please. Sorry in advance for what maybe quite long winded. I have a substantive contract with the NHS and I work Monday to Friday 9-5. I have worked for the NHS since 1997. I also have a zero hours contract with the county council for whom I receive a payment as long as I participate in a rota. The work I do for the council takes place during my NHS working hours. (I started this role about 3 years ago). The council pay my particular department to provide and manage this service. It is what is called a joint integrated service. Some of my colleagues that are on the rota are employed and paid by the council but are managed by the NHS so they have 1 contract of employment. I and 2 others have 2 contracts. The problem is that like everywhere, there are a lot of changes taking place and the main one is that they want the rota to cover 24 hours which will mean that I have to perform standby duties, and I have been told that I am required to accept this change. There logic is that there has been a consultation period and everybody's views have been heard and taken on board but the changes will take place. I have asked questions regarding pay and other issues which have not been answered. The management have informed us that they have clarified my contractual relationship with the council as they pay me separately for the extra role, they also ad that it has an 'Unequivocal' relationship with my wider contractual obligations with my main role (with the NHS). They make the point that if I withdraw from my extra role with the council that it would be seen as me withdrawing from my substantive role with the NHS. - Nowhere in my council contract does it talk about any links with my main job. It is very clear in the contract that it is a stand alone zero hours contract where I will receive a payment for participating in a rota during 9-5 Monday to Friday. What I have been told is that I can only leave the rota if they allow me to and only with good reason, and if I refuse to participate in the rota and accept the new working conditions this would affect my main employment. They say that they have received advice from a barrister regarding this! I'm not convinced they have a leg to stand on as they are essentially forcing a dramatic change on me which I don't seem to have much say in. Especially as I have not a lot of choice in the matter. Any ideas please?

have an ongoing battle with lloyds tsb via robinson way , lloyds have admitted that there is no cca for the credit card account but today robinson way letter arives saying our client has advised us due to the terms and conditions that you agreed to when you opened this account you remain fully liable for the amount outstanding , we now require your proposal for repayments . any help here please

Hi, I was wondering if anyone could help understand the exact payment dates implied by the following clause in a contract: "Fees are monthly into your UK bank account five working days after the end of the pay period. The period is monthly from the first to the last day of each month." Does this mean that for July the pay date would be the 6th (Friday), or the 9th (Monday). Thanks in advance for your help, Sam

Ihave been advised by my bank that they have changed my overdraft terms and cut the amount I had by £250. well I was surprised to say the least and as I am getting married next month I was relying on this over draft facility. The bank said my spending pattern has caused this change . can anyone advise me what to do please?

When you buy the cover, Is all the mumbo jumbo they staple to your receipt the complete T&C's ...? Could someone please point me to the FULL T&C's many thanks

Have a look and let me know what you think. Any help will be appreciated. http://s911.photobucket.com/albums/ac318/zentrix9/MR%20VIRGIN%20MNBA/ I will be sending a SAR request tomorrow to see what I get back

Firstly a bit of background. I have a secured loan with blemain finance (we all make mistakes:-x) It was taken out in may 2007 and is for £10K also it is cca regulated. They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me and some advice in which way to go would be appreciated. Also i have a suspended possession order after they went for repossession, now the thing is i think when they took me to court they first sent out a default notice, but i think that it is non compliant and would like a second opinion,and some advice on how to deal with a suspended position order that they got on the back of a dodgy default notice. my issues with the default notice are a]That they didn't give me 14 clear days to rectify. b] No specific date to remedy (they say 14 days from date of letter) c]The paragraph saying that if you dint understand this then seek advice from CAB is missing the following is word for word what it says on the default notice and the only date on the notice is at the top of the page. 1] To remedy the breach you must pay the total arrears of £xxx within days of the date of this letter. 2] If the action required by this notice is taken before the 14 days, no further action will be taken in respect of the breach. 3] if you don't take the action required by this notice before this date then the further action set out below may be taken against you. 4] FURTHER ACTION: on or after the date shown above we shall apply to the court for an order for possession and sale of the mortgaged property. so any advice on how to proceed with this would be greatly appreciated and thanks for looking. welshperson (from bridgend:-))

Hello, I have looked at various posts on here to obtain some guidance and have some questions! This is the situation: NatWest ignored my written correspondence, and served a Default Notice in December 2007 for a joint (with my wife) current account. They continued to ignore written correspondence, and issued a CCJ to my wife (without prior advice) in March 2008 and to me in May 2008. Their claim included the "standard" court interest under s.69 at 8% and charges for solicitor The overdraft was around £5200. Their claim was for approx £5200, plus interest and costs Of this approx £3,200 we found to be their unlawful charges and interest, so we counterclaimed for this, and both cases (mine and my wife's) are currently stayed pending the outcome of the test case. We have recently received a "Terminated Overdraft Notice" sent from Natwest "In compliance with the Consumer Credit Act 1974 because you have failed to make required payments" in which they indicate added interest (without a rate quoted) which provides a balance of over £5,800. I have continually kept the bank informed of my financial status, and I have even had a third party agent write to the bank prior to their issuing of the Default, all of which were ignored. I am making regular payments in line with the amounts agreed with the third party agent. My questions are: 1. Is it relevant for me to obtain a copy of my original Credit Agreement? 2. Can the bank keep adding interest, even after the issuing of a CCJ? 3. Should I respond to this notice in any way? More info can be provided! Thanks in hope someone can help us! Tedney Hello, Any chance of some help please?

Hi - if one had a secured loan with PPI would it be statute barred from claiming back the mis-sold PPI after 6 yrs (as claimed by the lender)? Also, amongst othe things wrong with it the cover is for only one person yet a joint loan - this is wrong isn't it?? thanks in advance:)

hi guys, i have an existing £10k loan, with halifax taken out in 2004 with ppi, im doing the mis-sold route with a couple of arguments. i made a claim on ppi, and was told, no can do as i was dismissed. phoned to cancel PPi, told to take out new loan with no ppi, oooops! not working means no new loan. this was followed by them raiding my bank account of £65, now 11p overdrawn. this is the info on my loan agreement amount of credit (cash loan) 10,000 add total charge for credit (cash loan) 2,548.76 total i pay for cash loan 12,548.76 1+2 ppi loan ( cash price ppi) 2,364.76 add total charge for credit for ppi loan 602.96 total i pay for ppi loan 2,967.72 4+5 apr 6.5% loan 12,364.76 total charge for credit for loan 3,151.72 total i pay 15,516.48 monthly interest 0,511% arrangement fee (1% of loan and 1% ppi loan) already included in 2+5 HERE'S A GOOD ONE Your Right To Cancel 5days going to browse the spreadsheet templates to see how to work out sched of claim similar position with abbey for first my first loan although they have accepted my ppi claim on second loan. as before any comments or help feel free.