Someone has left a car on my land, what should I do?

If a car is on private land then normally it is the landowner's responsibility to remove it. However, you cannot have it moved straight away. The safest way is to put a notice on the car stating that if the car is still there in 14 days time then you will have it removed. If there are number plates on the vehicle, send a recorded delivery letter to the registered keeper giving the same information (and keep the proof of postage and a copy of the letter). A Form V888 from the DVLA will get you registered details so long as your request is considered legitimate.

Once you have given reasonable notice that the car will be towed unsecured loans away you will prevent the owner from subsequently claiming theft or damage to the vehicle. If you sell the car to, perhaps, a scrap dealer, you can keep the costs of removal, but any surplus should go to the proven owner if s/he ever turns up.
The police can move cars on land in open air in limited circumstances. The power is discretionary and they are unlikely to remove a rusty old car which has been rotting on the land for several years.

If the car looks stolen (i.e. it has damage to the locks) then contact the bad credit loans police who will make further enquiries.

Prepaid card scams

Most of the immigrants fall victims to these prepaid phone card scams. Prepaid phone cards allow you to pay in advance for the minutes you use while calling people. This is got by an upfront payment, making it easy for you to call anywhere anytime, with or without cash in your pocket. The appeal of prepaid phone cards is, they offer more minutes for less charges and substantial discounts on call charges. Another thing is, they can be used on public phones without the need to keep using coins, one after the other. unsecured loans

What is the scam about?

Many of the immigrants or newcomers or tourists to the United States know about the exact functioning of these prepaid phone cards. They do not know the true from the fake. Result: They become victims to prepaid phone cards that promise high returns for less money, in other words, prepaid phone card scams!

But, they are not scams in actuality. If you read the fine print in the cards, you can notice the original number of minutes or reduction in call charges. The fine print data will prove the cards to be legal and you cannot raise a finger against any scam company. It is said that such fake or scam companies offer prepaid calling cards that deliver only 60% of the minutes promised. The money churned out of such scams is about $1 million per day.

How to avoid the scam?

Best advice is to read all the fine print before buying. Next best advice bad credit loans would be to use cards issued by reputable companies or establishedoviders.

Redundancy Pay

What is Statutory Redundancy Pay?

If you live in the UK, have been with the same employer for at least two years then you are entitled to statutory redundancy pay. Redundancy payments are not liable for tax and are based on an employee's length of service. No redundancy payment will be forthcoming if a person who has been made redundant from one job, is then offered a similar position with equivalent salary in the same company.

Why Does Redundancy Occur?

There are several reasons why an employer may have to make one or more of their employees redundant. If the employer goes out of business and is unable unsecured loans to meet their responsibilities then this situation would result in the redundancy of the entire workforce. Sometimes a company will have more than one branch to their business. If the branch where you are working is closed because it is not attracting enough business then people working at that branch will be made redundant. There are occasions when the existing number of staff is too high for the job at hand and this is a situation that can result in redundancy for one or more employees.

How Are Redundancy Payments Calculated?

There is no hard and fast rule regarding redundancy payments, other than the fact that the employee should have had two years or more continuous employment with the same company. When they are calculating redundancy payments, most companies work on the basis of one weeks pay for every year worked, with most taking the maximum as twenty weeks. The maximum amount of that weeks pay in redundancy terms was capped in 2007 at £310 per week. However, under the terms of the Employment Act there are people who are not entitled to a redundancy payment when their job comes to an end against their wishes.

Members of the bad credit loans armed forces, members of the House of Lords and the House of Commons staff do not qualify for redundancy payments. If you work in someone's home as their domestic servant then you are not entitled to any redundancy payment if your job ends. If you are a servant of the crown or you hold public office then you will be excluded from obtaining any redundancy payments

remortgage a house

Question: I can't seem to remortgage to move house for love nor money, having tried two lenders – with a third midway through application. It's very surprising as I've £48,000 in equity and £12,000 savings to put into the next property which should give me a healthy loan-to-value of roughly 75 per cent. The only downside that I can think of is a £2,000 overdraft that I don't often climb out of – and three unauthorised overdraft penalties in 12 months. But that's the only debt I have and I earn £30,000 a year. What am I doing wrong?

Julianne Fretton, Gateshead.


Answer: Would you lend money to somebody perpetually in debt who – from time to time – sneakily pinched more than agreed from a bank account? Probably not, unsecured loans I suspect, and it's likely that it's for the same reason that lenders are pulling down the shutters on your application.

"Exceeding your overdraft and incurring unauthorised penalties could ring warning bells for the lender when they ask to see your bank statements," says Melanie Bien at broker Private Finance.

Your overdraft probably isn't the only issue, adds David Hollingworth at broker London & Country. In today's mortgage climate of chary lenders, tight credit and wavering house prices, banks and building societies will look to your overall affordability instead of calculating how much to lend based on a multiple of your income. "From details you've given us, the roughly £200,000 remortgage you're aiming for at 3 per cent over 25 years would cost you £948 a month – roughly half your disposable income."

Those kinds of figures will make lenders wince, even with your £60,000 deposit – effectively you're asking for six times your salary. There's also your credit score: the two recent rejections will be flagged up by credit-rating agencies, warns Bien, "and make lenders wary of future bad credit loans applications". It's worth checking your credit report at Experian, Equifax or Callcredit. Double-check there are no mistakes or fraudulent behaviour marked on it, since these could be damaging your applications; if so, ask them to lodge a "dispute notice" while you sort it out.

Although the outlook might look bleak, you do have two options. First, stop applying directly to lenders – use a mortgage broker instead, who will try to place you with banks and building societies most likely to take you on. Second, a dose of better money-management could work wonders.

Western Union Fraud

The Western Union Money Transfer® service is a great way to send money to people you know and trust. If you need to send money to someone you don’t know well, you may be putting yourself at risk for fraud.

Western Union urges you to protect yourself from fraud by considering the following:

Never send money to a stranger using a money transfer service.
Beware of deals or opportunities that seem too good to be true.
Don’t use money transfer services to pay for things like online auction purchases.
Never send money to pay for taxes or fees on foreign lottery winnings.
Never send a money transfer, in the name of a friend or relative, with the intention of changing the name to someone you have not met personally.
Never send a money transfer, in the name of a friend or relative, in order to delay payment of the transaction to someone you have not met personally.
If you think you've been a victim of fraud, contact Western Union 
  
Sending Your Money Into the Void
Sending funds through the banking system
When you send funds from your bank account to your cousin's bank account in Histown, a paper trail is established.  If your cousin calls you on Tuesday to find out where the money is that you sent last Thursday, your bank can track the path of the money through the banking system to see what went wrong.  A record of transfer is generated each and every time the amount moves from one bank's ledger to the next. 
Sending funds through Western Union
That's not the case at all when you use Western Union.  The only record kept by Western Union is of your funds being transferred from one of their accounts to another.  For instance, if you are in Los Angeles and you send funds to somebody in London, all that Western Union can tell you is that the funds were picked up in London, and at which office. 
Western Union takes your money and gives you a receipt.  Your funds are then placed in the Los Angeles central Western Union account along with all the other monies they have received during the day from all over Los Angeles. unsecured loans Each transfer request is logged electronically such that your specific amount is then sent off to the central Western Union account in London.
Once the funds are in a central account, the actual money can be picked up at any office covered by that account.  Just because you were told to send money to such-and-such a fellow at such-and-such a Western Union office does not mean he'll actually pick it up there.  He can pick it up at an office clear across the city.
Western Union can verify that the fellow who picked up the money carried the specified identification.  They might even be bad credit loans able to tell you what he looked like.  This doesn't really do you much good.  His identification can be phoney as the day is long.  All you know when you sent the funds is what you were told.  Once your scammer walks out of that office, there is absolutely nothing to bring him back, unlike your cousin in Histown who has an open bank account.  There is no way to trace him.  He's gone.  And in the case of a scam, so is your money.    

Ukash Scam

Ukash enables you to pay online with cash. You don’t have to have a debit or credit card, or provide any personal details to use Ukash. Simply get Ukash at any of the thousands of outlets and then use the 19 digit Ukash code to pay safely online.

Ukash is a safe, easy and convenient payment method. However, just as many other payment methods have been troubled by scamming groups, Ukash has also been targeted, so take care. Scams come in different forms, but the more careful you are with the use of your Ukash codes, the less likely you are to fall prey to scams.

Contents

• Metropolitan Police Scam
• Other Virus Scams
• The Strathclyde Police Ukash Virus
• The Bundespolizei Ukash Virus
• The New Scotland Yard Ukash Virus
• Security Precautions
• About Ukash

Metropolitan Police Scam

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A recent scam involved scammers trying to obtain payments from random computer users by posing as the Metropolitan or other international police forces. A malware message is received claiming that the user’s computer has been locked and a payment is required in order to unlock it. This payment can be made to the scammers using Ukash codes or other specified methods of payment.

This virus is particularly annoying as your computer will not access anything. Do not, however, be tempted to make payment as this is a scam, you will lose your money, and even if you do make the payment the problem will not necessarily be fixed.

There are a number of sites where you can get instructions on how to remove the virus from your system and they are free of charge. They give you step by step instructions on how to clean your computer without having to make any payment to the scammers. We also recommend that you contact your local police and report the crime.

Other Virus Scams

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Scams appear to be getting more sophisticated in their efforts by creating different versions of the Metropolitan Police scam for different countries and languages including English, German, Dutch and Spanish. The list of imitated police forces includes law enforcement agencies in Germany, Switzerland, UK, Spain and Holland. The scam method is much the same, with a message being displayed that illegal activity has been detected and the OS has been locked for infringement of the laws of the country. The scammer then demands payment by Ukash, or an equivalent method, or the computer’s hard disk will be erased.

The Strathclyde Police Ukash Virus

The Strathclyde Police Ukash virus is a variant of this scam that displays a fake popup message requiring victims to pay to unlock their computer. The scammer requires that the payment be made using Ukash. The scam appears to have been sent by the Strathclyde Police Service. You should, not fall for this scam and you should take immediate steps to remove this virus from your computer. Simply seek advice from your anti-virus supplier.

The Bundespolizei Ukash Virus

The Bundespolizei Ukash scam is another malware infection that delivers annoying messages while disabling certain computer functions. As in the previous cases, do not be tempted to pay for removal of the malware, as you will lose your money, this will only benefit the scammers. You should seek advice from your anti-virus supplier.

The New Scotland Yard Ukash Virus

New Scotland Yard Ukash Virus is another scam of the same type where, you are requested to make payment using Ukash in order to clean your computer of all undesirable threats. Here too, the scammers have become more sophisticated and display screen messages that really do look like Scotland Yard official material. Seek advice from your anti-virus supplier.

Security Precautions

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Because the voucher is like cash money, you have to protect it like you would cash and keep it safe. If someone takes your voucher, it doesn’t have your name printed on it like a debit or credit card does, so there isn’t proof that it’s yours.

Scammers and malware authors are constantly developing old scams for making money. Ukash is a safe way to make payments, but nevertheless, you should always take care.

Look after your Ukash as you would the cash in your wallet and make sure that your computer is always protected with antivirus software and that its settings are always up-to-date. Prevention is better than cure - a little care and foresight will help you avoid scams like these, so be aware and rest assured that you can use your Ukash online safely.

Many more security tips can be found in the Ukash Scam Blog.

About Ukash

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Retailers with online purchase capabilities have been missing out on reaching a major segment of consumers: cash spenders. While some consumers hesitate to use their credit or debit cards online, others prefer not to shop online at all. The economic climate has also contributed to the reduced number of credit card users online. For these reasons, cash spenders are becoming a bigger portion of consumers than they have been in the past.

These consumers can enjoy online purchasing through a United Kingdom-based company called Ukash. A subsidiary of Smart Voucher, Ukash has been around since 2005 helping use their cash to pay online. If you have an amount of cash money you want to spend online but have no idea how to do it, go into one of the 420,000 or more outlets in which you can purchase a Ukash voucher. When you purchase your voucher, you will be given a unique 19-digit code that will allow you to purchase items online up to the amount for which you have purchased the voucher.

You can also use Ukash to buy a prepaid virtual MasterCard or physical UkashOut MasterCard. The Ukash NEO is a virtual card for online or paying over the phone. The UkashOut MasterCard is a physical reloadable card which comes with a PIN so you can use them in shops and make withdrawals at ATMs.

Ukash is beneficial to retailers who accept it for many reasons. Because it’s guaranteed, bad credit loans there are no charge backs, meaning the money is always there. With a credit card, sometimes the charge comes back because the money is either not in the account or the charge is over the customer’s limit. Ukash is also regulated by the Financial Services Authority.

Paddy Power ad banned

Paddy Power has been punished by the advertising watchdog after featuring controversial Liverpool striker Luiz Suarez in one of its campaigns.

The press ad, seen in The Sun newspaper in October promoting a special offer if the striker scored, has been banned by the Advertising Standards Authority (ASA) for unsecured loans breaching rules because Suarez is under 25 years old.
According to the advertising code, ads for gambling services must not feature people under the age of 25 either gambling or “playing a significant role”.

Paddy Power and Sun owner News International said that as 24 year old Suarez was the subject of the bet as a professional footballer rather than a gambler, they did not believe he would be considered to be playing a significant role in the ad.

The companies also added that they did not believe the ad would encourage young or vulnerable people to gamble on the basis of Suarez’s image, objecting to a complaint that had dubbed the ad “socially irresponsible”.
The ASA ruled that because Suarez was the main focus of the ad, he was likely to be considered as playing a significant role by viewers and it therefore breached the advertising code. The ad must not appear again in its current form.

Suarez has also courted controversy on the field in recent weeks for allegedly racially abusing Manchester United defender Patrice bad credit loans Evra at an October Premier League match at Old Trafford.
The FA charged Suarez with an eight match ban and a £40,000 fine for the incident.