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Hi there, I have a problem with Hoover candy group and I don't know what to do . I bought a cooker/hob for my mother and within months it broke down. I called the engineer who came and said this hob is useless I will tell the company to sent a replacement. We waited and nothing came. When I called them they said the engineer has ordered a part when he told us you will get a replacement. We had to wait a month for the part(no cooker-no apologies). It was fixed after a month but the heat was really low. It broke down again nearly at the end of the year. The engineer came again(the same person) and after 5 minutes decided to leave and say the hob if fine. Now I keep receiving invoices from Hover Candy group of the amount of £64.50 for the call out even though the hob was still under manufactures warranty but the engineer is pretending the hob was fine and he was called for no reason and for that he is charging us the amount. I keep calling them to say that you need to come and inspect the hob as one of the plates is still not working and the rest are producing very low heat that you need at least two hours to make some pasta. I am at my end wits and i don't know what to do. Is there any suggestions? Anybody had the same issue? what do i do as i am not going to pay. Thank you in advance for taking the time to read my complaint. -
I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first? -
I received an NIP in late August early September for doing 36 mph in a 30 mph zone in July,got flashed by van. I admit that it was my fault and completed the document accordingly giving all of the required information and posted the form back to the relevant authority awaiting to hear what my punishment would be:|. I heard nothing until receiving a letter from the authority yesterday with my name incorrectly stated, requesting that I complete another NIP due to the fact that the original NIP was addressed to my company name as I operate from home as a sameday courier and my vehicle is leased. The covering letter from them states as follows: 'Thank you for returning the completed combined Notice of Intended Prosecution/Request for driver identity in response to the request by Sussex Police to supply information under section 172 of the Road Traffic Act 1988. Unfortunately you have completed the form in a way that does not satisfy the lawful request for information made by Sussex police. The reason for this is that the document was not addressed to you personally i.e. it was addressed to another person or a company. The person or company are required to nominate the driver at the time of the offence and then return the document back to Sussex police. On receipt of the combined Notice of Intended Prosecution/Request for driver identity,this office would send a request personally addressed to you as the driver,which must then be completed and returned. Therefore please find enclosed a new document now in your name,which you are required to complete and return within the specified period.' My point is that they admit to already having all my details on the original NIP form which I completed in good faith,it is not my fault that their letter was incorrectly addressed and I have never been in this situation before. I am inclined to return this 2nd NIP incompleted with a covering letter explaining my position as I fail to see why I should complete same again due to their incompetence. As I said they already have my details which I have fully disclosed so how can they accuse me of committing the offence of non disclosure if I return the 2nd NIP blank ?? Any advice/opinions would be greatly appreciated:-D -
I moved away from the UK some years ago, I've obtained a new driving licence in my new country but it's not an EU one or one from a country that can be converted directly into a UK licence. The date on my UK driving licence ran out in 2014 - I made attempts to try to renew it so I could at least keep it up to date but it appears you must use a UK address to update it and it is an offence to have an address on your driving licence where you are not resident. I do plan on returning to the UK at some point and as my new driving licence is not from a reciprocal country that can convert directly into a new UK licence - it would be an awful pain to have to return and do a new theory and practical driving test to get a new UK licence. I heard from some places that if you leave it more than 2 years to renew your UK licence they can require you to take the test again, other places say no such thing and that the licence is valid until you're 70 it's just the photo that needs updating. Can anybody give me a solid answer? Assuming I haven't reached the age of 70 when I return to the UK, if say the last date on my UK licence was 10 years ago will I have no problems renewing it with an updated photo for the usual renewal fee, no re-test required?
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Hello, I hope someone can advise. I am looking for some assistance. I have just recieved a Small Claims Summons from a large organisation chasing a debt from a Ltd Company I was a Director for the sum of £840.70. The company I was a Director for dissolved in June 2015. I signed a trade account agreement in my name on behalf of the company as I was the Director. The company only had a £750.00 trade limit. It was a trade account but yet the large organisation is chasing me personally now for the debt. I started the business in the hope of success but was not paid by several customers and did not have the monies to chase the debt so closed the company as it was no longer viable and I got a job. Am I liable for this debt and do I have to pay?
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we bought a lodge to live in was informed by holiday site this was ok, we spent £82k on this my life savings this was in November 2015. since this happened I have been diagnosed with primary progressive m.s and decided to sell up and return home to Huddersfield. we informed the site and they have said they will buy it back for £37000 clearly we are all in the wrong business, since this happened we have found out how much they do this I would be very interested to hear from anyone who has purchased anything on sand le mere park in tunstall hull and had a bad experience we are taking this down the legal path. -
Hello, i went to my local ASDA supermarket today, when i got to the tills i realised i hadnt trasnfered my shopping money from my savings to my current account, so i went to leave my trolley in the foyer when the alarms went off the security gaurd came over to me and asked to see my receipt, i explained that i hadnt yet paid because i needed to go back to the car to use the phone to transfer my funds, he didnt believe me and branded me a shoplifter which im highly embarrased about, after they banned me from all stores i went and transfered the money and paid, im not understanding what the problem is? in their eyes i was taking the shopping without paying but i wasnt atall!! if i go to another asda store (not that im going to want to now) how will they know that im banned from all stores? and im worried that my picture will be put up or something, i was goiing to complain but i have read some of the threads on here and it looks like there would be no point? -
I have a letter from CSS.. They want money for DWP, not sure what it could be, I had a DRO that went through and i think it could be related to that? I know that it's best not to call them or speak on phone, what do I do now? Could they be potentially messing my credit score up (what's left of it)?? Thanks. -
Hi, can anyone offer me some advice. I've recently discovered a default on my Credit file from 2014, i don't know why I've not seen this before, either blinkers on or I've just not checked thoroughly. Its for £154 from Lloyds, i moved bank accounts a few years ago and in doing so once the overdraft facility had been removed etc there was a negative balance on my account for £154, it was there for a few months and then paid once i had realised, so is settled but the default has been registered. I don't recall receiving a default notice for this at the time, the negative balance was created through overdraft facilities being withdrawn, therefore utilising i assume an unauthorised overdraft, then the account was closed when it was cleared. I contacted Lloyds using the nicely nicely approach asking them to consider removing the default as it was for such a small amount that was causing a negative affect on an otherwise healthy credit file. They wrote back saying why they registered it and no, they wouldn't remove it. having no recollection of ever receiving a default or notification of default i wrote to them, enclosed a £1 postal order for their time etc and they wrote back. They say "We can only remove a default if its been registered due to an error and this isn't the case in this instance. Data forwarded to the credit reference agencies has to be sent in line with the data protection act, principle 4 of the DPA states that personal data shall be accurate and where necessary kept unto date. if inaccurate data about one of our customers is held by the credit reference agencies, we'll be in breach of the DPA. Removing the default we've recorded with regard to your current account debt would mean we are not reporting accurate data. We don't retain copies of default notices, or enforcement notices in the case of overdrafts, and we are not obliged to do so That being said i can confirm that we sent an enforcement notice to you on 18th November 2013. This explained that if you didn't repay the outstanding amount your account would be passed to our consumer debt recovery department and a default recorded on your credit file with the credit reference agencies, to stay in place for six years. Your current account was considered to be in default on 12th feb 2014 when the balance was overdrawn by £154.49 We are not obliged to keep paper records indefinitely and as your account was closed over 2 years ago I'm not not able to supply you with a copy of the application form. However i have enclosed a copy of the final statement we issued on the account and this confirms the amount of £154.49 was outstanding. Yours sincerely......... Can i go anywhere with this, they are claiming that they aren't obliged to keep copies of notices sent to me, their records state they did send it, i say i never received it. The debt was cleared by me and this is shown on the statement they have sent to me with the letter. They claim that the letter they sent me stated (see underlined above) if i didn't repay the outstanding amount my account would be passed to their debt recovery department. They make no mention in the letter that they apparently sent about time scales or when the debt should be repaid by or state how long i had to pay it, only that if the debt wasn't paid. But it was paid. There is no letter to refer to to check as they don't have one, only the comments made above. Could this be my get out clause the fact they make no mention of how long the debt had to be paid ? Or do they have to be able to provide the info i have requested under the CCA ? Im not sure if its covered by the CCA 1974 but in one of their responses they stated that the default will remain there for 6 years in line with the CCA 1974. Appreciate any pointers. Thank you. Is it important to add, the account was closed , it was transferred to a new bank who took care of all the dd transfers, balance etc, so when the Lloyds account was closed i never received any request or demand for payment or agreed with them to set up a repayment plan for the balance that was left outstanding. It only came about as i finally received a request for payment from a company called apex acting on their behalf. -
back in jan I received a cc claim from Cabot for a debt I had with Capital One i responded to the claim i did the income expenditure and admitted the 235 debt i owed but disputed the added solicitors fees etc .I contacted the court to see what was happening and was told the judgement had been set aside. Today nearly 6 months later I rec a letter from Mortimer clarke , which reads as follows we refer to the admission form filed in response to the claim form our client has considered your admission very carefully and is prepared to accept your part admission of 235 , from the figures provided however your total monthly income is 100 and expenditure is 100 as your expenditure is the same as your income they indicate that you may not be able to afford your proposed offer of payment of 5 pounds please confirm how you will be able to afford the propose offer in light of the above. if we do not receive a response within 14 days we are instructed to accept your offer and make an application to the court to enter judgement for the admitted amount payable by your proposed monthly installment of 5 pounds . alternatively if you confirm within 14 days that the offer is not affordable and sustainable by you we will refer this matter to our client for further instructions .if judgement is granted by the court we will write to you again with the judgement terms and ask you for further details of your financial circumstances so we can review if affordable for you any thought help advice please?? -
Hello New to here and after a bit of experienced advice I have worked as a window fitter for almost 3 years now for a small local company and gone from being a 'fitters boy' learning the ropes to now leading a team and running my own jobs. I've learnt on the job from colleagues and completed NVQs along the way I started on a low wage with a view that as I learned and could do more my salary would increase, this didn't really happen and I only saw a small increase after a years learning. As it was a job with a friends family i stuck it out and cutting a long story short after being given my first job to run and then subsequent ones I had a review meeting with my line manager and the MD (she runs all HR, payroll, accounts etc as we're a small company) and it was agreed I would go from £17k to £24 which I was over the moon about and felt like I'd finally go somewhere. At the end of the meeting she said she'll need to write a letter to add a change to my contract and summarise what we said in the review meeting (plans for further training, planning for future etc) 4 weeks on after I had an accident which left me with a broken toe and received a parking ticket (which I offered to pay as it was completely my fault) I have been told I won't be getting my increase this month. Initially the MD wanted to hold it back for 3 months but my line manager fought my corner and so far has made it only a month. My main question is can she do this? After all we agreed a new salary as my responsibilities and role had got bigger and now I'm expected to work on my old salary and do more My second issue is with our working hours. The company hours are 0800-1700 (1 hour for lunch) and there is a clause that says from time to time it may be necessary to work earlier or later to meet the needs of a particular job and also that an extra hours worked outside these times would be collected as lieu time and can be taken back as time off or in exceptional cases paid as over time with our salary All of the above I'm fine with but a few weeks back our MD has emailed everyone saying that any time worked between 0700-0800 and 1700-1800 cannot be claimed as lieu time anymore and her justification is that if you work a bit earlier or later it shows you're going the extra mile will be taken into account when it comes to bonuses etc (which are discretionary) so potentially she could have 2 hours a day free work from us Is this change allowed without any kind of consultation? Sorry for the long post and I hope someone can help and perhaps I could one day share any knowledge I've got.
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I have a debt to EE which is in default and I've had for some time now. A month ago I wrote to EE with an offer of a full & final settlement which they say they couldn't accept but as an act of goodwill regarding my situation they would write off the outstanding balance. Just over a month later I receive a letter from Fredrickson International saying that their client has instructed them to collect the outstanding balance. I also notice that the balance they have on the letter is actually £45 higher than what was originally owed (no interest or charges were being added by EE - I can only assume that this is a charge that has been added on by Fredricksons. I have the letter from EE saying that the balance has been written off but would still remain on my Credit Report as a default. Do EE have the right to pass a debt on after sending a letter saying that the balance has been written off? Or are Fredrickson International trying their luck? I thought one less debt to maintain would allow me to focus on my priority creditors as I have a lot of debt and my business is dying off so very little income at the moment. Any advice regarding this situation would be greatly appreciated. -
Hi - following our split, my ex stopped paying the mortgage and eventually handed the keys back to the bank. It was subsequently sold at a loss it seems (I can see on Zoopla that it sold for around £35k less than the mortgage value, in Oct '10). A letter from a debt collector found it's way to me a while back (via an old address) and it seems Welcome Finance are chasing c.£30k from me for a secured loan we took out with Freedom finance years ago. We paid the debt off in full - I remember feeling elated when we'd paid our final instalment! So how can they be chasing me for the debt? I assume it's because they still had some sort of hold on the deeds, but surely that shouldn't count anymore if we'd paid it in full? Needless to say I haven't been in touch with them but I'm obviously worried that this could really bite me...
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Hi Everyone, I'm currently having the following fun and games, any advice: I took out my Policy with my insurer in December 2014 and sent them the appropriate NCD proof. All fine until July 2016 when I move house and, then, approaching renewal time in December 2015 a week before reveal I hadn't received anything from them. I call them and then realise I had forgot to tell them of my change of address. This is an important bit, what I was told 'you cannot renew a Policy to a different address to that of your renewal,. I tell them fine I'll start a New Policy online which I duly do adding 1 year to my NCD. Receive Policy and all is well until May 2016 I then get back to find my front reversed into in a car park with a towbar do a fair bit of damage. So I call my insurer to start the claims process only to be told my policy had been cancelled back in March 2016 because I hadn,t sent proof of my NCD to them. I point out that, no, I hadn't because my previous insurance was with them so why would I need to do so? I also questioned why I hadn't received a request for NCD proof nor advice that my Policy had been cancelled. Now because the policy was cancelled there is nothing the Insurer can do. Fuming, I email their customer service and customer complaints teams demanding to know why they would need a copy of the NCD proof when I was insured with them last year, why cancel my policy for this reason and finally, and for me, most importantly I've been driving round uninsured for nearly two months. Today they call me back in response to my e-mail basically to tell me that because I changed to a new policy I should have sent my NCD proof even though it's with the same insurer. They claimed to have sent letters, emails and texts advising that unless I send them the proof they will cancel my Policy. I pointed out I never received last years NCD because after it went to my old address I was told to cancel that policy and start a new. Does the above ring true with you guys? The damage occurred in a car park near where I had an interview and, ironically, I was offered the job but have now lost it because my car is non-roadworthy. -
Hi All, I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process. Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them. I have uploaded the documents that were sent to me. -
Can anybody explain what might have occured? Is the seller a shady Sam who hasn't disclosed this information? Is the HPI input wrong? 27th February 2014 - Registration Of Bike. 25th December 2013 - Written Off, Cat C. -
Hi all, Sorry if i have posted this in the wrong place. Things have been looking good over the last few months, i would check my credit score which was never great but was slowly improving and I have just checked and I have a CCJ on my credit score from united utilities! It says we owed them £700! we rented a house for a few months, i feel like the debt has been totalled by the next tenants that moved in and we have been left the bill. As I new nothing about this is there anything i can do to stop this and defend myself? thanks all for your help. -
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http://www.scoop.it/t/lacef-news http://www.mirror.co.uk/news/uk-news/bailiffs-visit-leads-three-hour-7906246 Police were called out after a man allegedly brandished a knife during a row with a bailiff about a car. Police said the three-hour siege began just after noon after a bailiff was sent to an address in the road to recover a car. As the situation escalated armed officers were called, the street was blocked with police vehicles and the police helicopter hovered overhead, reports A police spokesman said: “Merseyside Police has been in attendance following an armed containment at a house in St Helens this afternoon. “At around 12.05pm, a civil enforcement officer attended an address on Litherland Crescent to remove a car from the location. “Following an argument with a man at the house, patrols were called to assist and the man was seen to approach officers in possession of a knife. "As a result, the area was contained by armed officers to ensure safety of the public" -
Wrote to advise of financial difficulties. Have been paying min payment for last 3 yr due to other debts. They actually didnt renew my card when due 2yrs ago so they obviously not happy to extend credit. Have now defaulted (3mths) and advised will only pay £1pm. Also asked them to look at fact that interest etc over 3yrs is majority of debt. In light of this would they look to reduce debt accordingly. they have replied saying may consider my offer but need i&e. Gesture of gw have refunded x3 late payment fee and x1 returned payment fee. charges and interest are in line with my credit agreement they state. no PPI. they have asked me to provide i&e plus bank statements and payslips plus proof of other debts..... They know i have debts as they didnt renew my card due to credit history being shot! How much info are they entitled too? Any thoughts? Worth haggling over trying to get balance reduced due to their extortionate rates? Debt about £400. I didnt ask for cca as didnt think apply to store cards. Thx in advance.
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Please, could any one kindly advice me. I used to be an employee of the Bucks hospitals (NHS) Trust working at the Wycombe hospital. I have now retired but they retained me as a bank staff helping them out when they are really short of staff. I occasionally work there at weekends and nights when parking is not a problem. Now UKPC which recently took over the parking management are giving me these parking charges which I feel are rather unreasonable. They recently gave me a parking charge while I was parked and inside the laboratory working. I just find it ridiculous because here I am providing a very important service in the hospital for the benefit of patient care and then these people keep worrying me with these parking charges. My question is, shall I just ignore them and wait till they take me to court? Is my contract with the hospital to provide laboratory testing not superior to any perceived contract that UKPC might think I have with them? After all to provide my service I necessarily have to park on the site. Moreover it is never during hours when parking is limited. By the way, when the hospital originally introduced parking control it was meant to be operative only during working hours. (9am -5pm, Monday to Friday). However, UKPC has now extended it to 24 hours a day, 7 days a week. I think because of the financial incentive they prefer it this way. I am prepared to fight it all the way but I just wanted to know what my chances are. I also question this idea of the hospital grounds being private land. is that really the case? is an NHS hospital car park regarded as private land? It is our hospital, we the tax payers, right? please give me all the advice available. Oh, I have not bothered to apply for a parking permit because I don't need it except the odd weekend day or night. Applying for a permit would only deny another member of staff who would really need it since there are only a limited number of permits available due to the limited number of spaces. Thanks to every one in advance. -
A 2-yr probation period is unheard of. Additionally all employees have an entitlement of sickness absence accounted for. I do not believe a two-week sickness absence in Oct 2015 and a further 2-week sickness absence in March 2016 can lead to a dismissal. They can and may discipline you for absence periods. You say you had no contact from your employer? Did you not contact them advising them you would be off sick? Employers have a duty of care so if you are sick they can insist you attend an independent doctor for assessment. No biggie if your genuinely off sick and is normal practice from employers. You should only be contacted in a formal professional manner. Its unusual that you have been unable to contact the attendance manager. Will your employer believe you tried on four occasions but could not speak to anyone. You are responsible for keeping your employer up to date, failure to do so can result in dismissal. You do not need to attend the workplace for a site visit, you can have staff visit you at home or in a close location. Its a hope you are well meeting. Its unlikely they would withhold a bonus payment but if from the employers perspective it appears you have made no effort in keeping them informed of your health issues they may be able to give you problems, warnings etc. I do not think they would have the right grounds to terminate your employment. Good luck. If I was you I would be at the workplace Monday morning demanding to see the attendance manager to resolve and put your mind at rest. But that's just me buddy -
I find this story quite amusing. The Mother has said she was made to feel like a rubbish mum - but instead of a quiet word of complaint to the Manager/Head office - she rushes off to the Newspaper ? Was the store right to ask the Mother and child to leave ? -
Hi there and thanks for reading, I leant my car to my partners brother last November whilst he was over here on holiday as he lives in Spain. My insurance allowed him to drive so no worries there. Whilst he borrowed the car he parked on Private land in Cardiff and received a PCN which he never told me about. obviously after the ticket was not paid or appealed they wrote to me advising me of the fact and to which I replied with the drivers details and his address in Spain. I heard nothing more until about 4 weeks ago when I received a letter from a solicitors acting on behalf of the parking company advising me that if I did not pay the PCN in full plus expenses I would be taken to court. I wrote back to the solicitors advising them that I was not the driver at the time of the ticket being issued and again gave them the name and address of the driver all be it a Spanish address. I told the solicitors they should direct their action at the driver and not me. Today I have received a county court claim asking for £256 to paid or a CCJ will be registered against me. I have replied to the court claim with a full defence and explained to the court what I have wrote above. My question is as I was not the driver at the time of the ticket being issued and I have supplied the drivers details on 2 occasions am I liable for the charge? Any help or advise would be great. Thanks -
hi, I was given a bulk load of mail from a previous address at the weekend (moved September 2015) After going thru the letters, I found letter after letter from Lowell portfolio debt company saying about putting a CCJ against me for £300 (now £407 with court costs) and then I found a letter from Northampton county court issuing a CCJ for £50 per month and the first payment was for the 19th of this month (I opened the letter on 20th). I am not sure what to do as this is the first time i've had a CCJ. I have proof of when I moved last year but shouldn't they be able to find my correct address instead of just sending important letters to an old address? either way I am unsure what to do. thanks -
To quickly outline my problem; I gave Vodafone 30 days notice to end my contract with them on 1st June 2015 (been with them for donkeys years (bills always paid,never missed one!) .Felt like a change so EE looked like a better bet for mobile internet .A week or so later Vodafone offered me an S6 phone at a very good rate to keep me so I took it ,the customer (dis)services operative arranged the phone delivery for the following Saturday morning,great!. Saturday morning came and went-no phone. Called VF (Vodafone) to query why my new shiny phone hadn't arrived and was told "Oh sorry,it hasn't actually been ordered", I straight away cancelled the order on the phone with this person (as I was entitled to with the 14 days cancellation agreement) and also informed them that I wished my contract to be cancelled as per the 30 days notice I had previously given,this was agreed and that was that. THIS WAS ONLY THE BEGINNING!!!!!!. After the 30 days notice was up,happy with my new EE phone, i noticed my old VF sim card was still working ,phone VF customer (dis)services and "Sorry sir,i'll sort that out straight away for you") .And so started 3 months of chasing Vodafone to actually cut off my phone and end my contract. In that time I must have phoned them 20 times ,spoke to Egypt ,India, South Africa, Scotland, England etc, every call taking a minimum of 30 minutes or so whilst I had to explain myself. I've spoken to just about every department they have, heard the promises of "I'll make sure this gets done for you" EVERY and I mean every time.... .and of course nothing ever happens, AND they just don't bother to get back to you. I received a letter from them about a week ago saying my phone services had been suspended???? REALLY!! and I should pay for the 2 months outstanding (the 2 months AFTER I ended the contract). I again contacted them, and the really pathetic thing is, when I now phone them, I ask the person I'm speaking to, to look at the notes on my account BEFORE we speak. They all, without fail, come back after looking and can immediately see that its Vodafones mistake that the account is still showing as active with payments outstanding. I always then get the apology and the "I'll make sure this get sorted sir". I fired off an email to the Chief Executive last Friday, i got a reply, obviously from an admin person, asking for my details the next day, sent them and waited with baited breath... ....still waiting!. Phoned again today, got passed to 3 people, the final of which told me "I'll go and get the account sorted and make sure customer (dis)services put a zero balance on your account a nd I will get back to you within the next hour or so"..... .obviously I didn't get a call back, didn't really expect one really and am exasperated with their disgusting treatment of loyal customers by their poorly trained staff. Final straw this evening is an email from Ardent credit services saying I need to contact them urgently ref my outstanding bill with Vodafone. I have and always have had a good credit history, no CCJ'S etc etc and this is precisely the thing which may ruin that through no fault of my own. VODAFONE - YOU SHOULD HANG YOUR HEAD IN SHAME!!!!!!!
