The last time I bought a mobile phone is approximately 3 months ago. I have an insatiable urge to change phones every few months because each time I see a new model, with different apps and features, I find myself longing to have it. Phone manufacturers seem to be making more phones than consumers can buy because as soon as I walked into the phone store, I was torn between at least four different models that caught my eye. I chose the Apple iPhone 5 because it was the coolest gadget. It is sleek, modern, sensitive and totally gorgeous.
Despite my habit of changing phones so often (and I have dearly paid for this expensive habit), I find that I have remained loyal to my two favourite Network operators; Vodafone and Orange. Their rates are relatively cheaper and their service has been excellent, so far so good. On several occasions, I have earned free minutes and texts, which makes me all the more a loyal customer. I can remember my excitement and bubbly joy the last time I bought a mobile phone, and I hope to relive these emotions soon enough! A friend recently told me they struggled to get approved for a pay monthly contract having failed the initial credit check of a Samsung S4. I dont think this kind of thing is uncommon these days especially with the credit crunch of the last few years, although this website can help if yourself in the same predicament.
I was told late last year, by friends (I was back 'home' in the town for my best friend's wedding) that Blackburn (BB1) is the most expensive place in England (if not the UK), to insure your car.
Presumably to avoid further aggro for the would-be customer when inevitably asked elsewhere 'have you been declined cover' - to which the honest answer is still 'no'?
How could the risk from theft come to more than the value of the car?
They do not want his business. He has not been declined cover by refusing to accept the quote.
I wonder how much the automatic renewal quote would have been next year, had he taken up that offer, which they'd no doubt, "conveniently debit from existing payment details they hold" for him.
Gary Humphreys, group underwriting director at Markerstudy Group, which runs Zenith, told the Manchester Evening News: "The price Mr Barker was quoted reflects that we have 'declined' to provide cover, as we would not expect a customer to pay such a high premium." Well excuse me, but I thought providing an inflated quote because you are not interested in the business was illegal under competition law (you are supposed to just decline) and I seem to remember several reputable building companies getting hauled over the coals by the OFT for doing something similar. Surely there wouldn't be a case of one law for the rich and another for the poor...
oh what an insightful and well written article..make sure to repeat yourself too.
Councils are being forced to monitor bailiffs, stop kickbacks, and report dodgy practices
Bailiffs are also used to send court summons. You have to bribe the bailiff to send summons to the opposite party. Without bribes,they do not deliver court summons to the opposite party.
What is interesting in that report is how Local Authorities are expected to be able to provide a breakdown of the court costs, which typically range from Â£70 to Â£225 per householder summonsed to the Magistrates' court alleged to have defaulted on their Council Tax payments. The convention has been, up until now, for justices to rubber stamp hundreds, if not thousands of orders with no justification that these costs have been incurred by councils. https://www.gov.uk/government/publications/council-tax " 3.4 Local Authorities are reminded that they are only permitted to charge reasonable costs for the court summons and liability order. In the interests of transparency, Local Authorities should be able to provide a breakdown, on request, showing how these costs are calculated." Interestingly where it states at 4.6 of the report that "costs in any individual case is no more than that reasonably incurred by the authority", this has mistakenly referred to bailiff fees where in fact, it can only mean summons costs which local authorities charge for taking the taxpayer to court. "4.6 ...While it is likely that authorities will have discussed a scale of fees with the Clerk to Justices it should be recognised that the Court may wish to be satisfied that the amount claimed by way of costs in any individual case is no more than that reasonably incurred by the authority." Something of which a requester is trying to hammer out with the department of Communities and Local Government through FoI. https://www.whatdotheyknow.com/request/guidance_on_enforcement_of_counc
It's not before time. North East Lincolnshire Council's bailiff contractor which you might know from ITV's exposure series documentary (Bailiffs Exposed), have been reported to the LGO, Police etc., for all the things mentioned in the article â¤“ and more. The council however sweep all this under the carpet as do the Police and watchdog organisations. Perhaps this latest guidance from the DCLG will make them take action.
"bailiffs exploiting residents through "phantom visits": where they charge inflated fees for simply posting a letter through a resident's door without attempting to speak to the people involved or negotiate a payment plan" That sounds like a fairly typical example of the despicable way all of these private run-for-profit merchants are routinely ripping off taxpayers in general, and the poor and vulnerable in particular, doesn't it?
You can get free advice from consumer forums such as http://www.legalbeagles.info/forums/forumdisplay.php?76-Bailiff-Issues
Renting to become the norm for generation of would-be buyers priced out of housing market, according to a report by Halifax canvassing opinion of younger people
The UK will become a nation of Victor Meldews if this continues. If I were under 25 and 'living' in the UK I would be mightily peeved. Long term, I think they will introduce more rights for tenants as it becomes clear that a huge number of people who consider that they have 'good jobs' will now be renting well into their 30s. And these are the lucky ones!
In Europe where in most cases the housing bubbles are non existant or minimal the tenant has lots of rights that would seem alien to someone living in the UK. The tories will never do anything to help renters, but even milliberg the closet neo con, would do something to help renters if he got in, its in their political interest to do so.
One thing that irks me when they talk about property prices being on 'average' 250k as some sort of objective & useful statistic. I can't see how it is. The average must take into account London where I would be suprised if you get anything for less than 500k. More and more people seem to be buying in London. The data for the rest of the country must be skewed surely? Its the same when they talk about national average salaries. I know hardly anyone on the national average. The median salary is much more interesting to me anyway.
I see a fair few houses around me that have been on the market for over a year. It's not that people don't want to buy these houses - it's that they either can't afford to or don't think it's worth the asking price. But are they lowering the asking price? Apparently not.
Plenty of people I know trying to sell their houses are also struggling. But I bet if they reduced what they were asking, they would go.
So are the high prices just imaginary, because nobody wants to offer any less, even though nobody is buying houses at the current asking price?
I think many of then are imaginery. Unfortunately, maybe those selling have high mortgages and in addition they have to take into account the costs of buying and selling (in London easily Â£25K). They can't reduce the prices and still get another property of the same quality/value. If their existing property is not adequate, there is no point moving to a lesser property. This impacts all round, whether moving up or down.
Estate agents often charge 3%, stamp duty has bottlenecks and is too high in my opinion, and the legal fees are not cheap. You can of course do a lot yourself but by the time you have put your property on the internet and been messed around by speculators or incurred delays by doing the the conveyancing yourself, you have lost your sale. For a period, people just sold up and then rented. You need a lot of equity and no family to do that though.
Correct me if I'm wrong but is this the first recession in history where there hasn't been a crash in house prices? (Definitely a good thing in my opinion)
I think that house prices need to go up and stimulate the construction industry and in turn the rest of the economy. The only way to achieve this is a big increase in demand and a population increase is the best way to achieve this.
As a property investor with a good sized portfolio of houses I rent out to low income families (mostly Eastern Europeans) I see things pretty clearly in terms of the property market and EU immigration and I must say that they are the only thing that has prevented a property crash.
There are regular bidding wars between prospective renters at the letting agency I use and this is causing rental prices to go up and in turn increasing demand for the low grade housing that I buy in auctions. In turn low grade housing going up in price has caused the houses higher up the ladder to go up in price.
UKIP's policy on immigration hasn't taken these arguments into account and they really need to have a rethink.
Over-55s struggling to clear debts as more of their money is eaten up by rising food, fuel and travel costs
The nation's over-55s are at risk of becoming mired in debt because of the rising cost of food, fuel and travel, a study by Aviva has found.
intending to leave your property as an inheritence for your kids is fine if you never have to go into care and have to sell it to pay Â£1000's on your care bills. And many of us 50 somethings still have older children living at home (unable to afford deposits to move out - unless we fund them),plus a mortgage and are looking after our own elderly parents. Does not make saving up any easier.
It is only when the kids have left home that in your 50s you have chance to save and the last 5 yesrs of low rates have messed up many peoples dreams Also many people have suddenly found that their company pension had been filched in a takeover Without doubt pensioner inflation is over 7% and confirmed by ONS rather than the nonsense CPI or 2.5% foisted on state pensions So its not surprising many over 55s are still in debt and the government needs to wake up to what it has done to all of the older generation
This story highlights the 'real' inflation hitting the UK and not the BoE rate based on their absurd shopping basket contents. Those of us in the 'rea'l world have seen all bills relating to fuel, heating, food, utilities and of course the hated council tax (In Wales there are no freezes) rise year on year. Until the millions of us have more disposable income then any recovery will continue to stagnate. The Boe and the Treasury with their large salaries and potential huge pensions just do not see it.
he official inflation rate is compiled by the independent ONS. It's an AVERAGE. For those who use their legs and don't rely on their cars, those who insulate their homes and don't waste water, gas and electricity and those who don't throw half their food away the rate is lower. How do you propose we EARN more disposable income to spend?
Yes I'm spending less because Osborne has curtailed my tax allowance and my savings will be earning next to nothing when my "fixed" times are up . I aim to live as long as I can so I've altered my diet to a more healthier one, and only buy essentials.I gave up smoking about 19 years ago. I still go out for meals,but not so often. I like money especially when it's mine, and I like to see it grow so that when I pop my clogs the children will have it. In the meantime I'm looking forward to my annual month holiday across the pond. As for my home...I own it outright and no Equity Release vulture is going to take ANY of it from me. NEVER ! No,I wasn't a high earner , but made my own tracks and lived according to my income,making certain I saved something even if I had to go on Shank's Pony.Now I'm laughing , but not at those who didn't plan like me.I'm not spiteful although many laughed at me for my years of self denial,e.g. no new cars etc
Another problem, of course, is if you happen to live in a (leasehold) flat. Even if it is mortgage-free, you will never be free of service charges (which never go down!) nor ground rent. So, even debt-free and excluding purchasing food and clothing, you will be faced with ever-increasing utility bills, Council Tax, service charge and ground rent. In many cases, the state pension would be eaten up by these costs alone.