HI.I recently (May 2013) wrote to NRAM using a fomal letter found on this site making it abundantly clear, citing all relevant legislation that as a result of thir actions / inaction I did not wish to communicate by phone and would only communicate in writing. My letter went on to confirms, again using the relevant legislation that I requitred them to remove my phone numbers from their system.This month, I made a written complaint as they had inadvertently placed my account inot arrears despite the fact that my statements clearly show that I have paid the correct amouint each and every month.Yestaerday I was telephoned by NRAM as in their opinion, they thought I might like to discuss things over the phone !!!What recourse do I have now and does anyone have a template letter or something I could put back to them as I am sure they are in breach of a number of laws.your help would be much appreciated.Thanks.

Hi. I recently purchased a used car from a garage some 85 miles from my home address. Within a couple of weeks I noticed a knocking and some steering issues. It's a Volvo v70 d5 2005 with 220,000 on the clock. I had the car inspected by an independent garage and also tasked a main dealer specific to the vehicle to carry or a full check. They confirmed the following. NSF lower ball joint incorrectly fitted and stub axle damaged in process Failing lower gearbox engine mount (causing knocking) PAS fluid leaking severely from steering rack Air con condenser corroded and damaged. Brake fluid thick and black Left and right CV boot leaking. The mot does state play in steering rack inner joints but does not mention a massive leak it also states NSF suspension arm rubber bush deteriorated. Am on a losing streak as a result of what is mentioned on the mot or does the fact that they faults have been subject to professional scrutiny enable to me to make a claim against garage as they are blatantly a fault with the car. The main dealer stated that the NSF ball joint issue makes the car unsafe to drive and with he PAS leak, I have to keep topping up the PAS fluid once a week. I wrote to the garage under SOGA and received a fairly polite reply, he stated he was not there to "maintain my car". I have pointed out that I just want the car to be roadworthy and asks him at minimum to finance the repair costs for steering rack, the ball joint and the engine mount. He wrote back and said that under SOGA he is entitled to first inspect the car. However, he is miles away so do I have to travel to him or can he be compelled to attend to the car where it is. Especially as a main dealer has said it is unsafe to drive as a result of the ball joint and I have sent him close up photographs too. Can I push for costs based upon the evidence I already have and the safety issues surrounding these faults or am I going to have to drive the car all the way back to him. Am I able to be told who it is that will be inspecting the car if I end up taking it there. Your collective advice would be much appreciated. Ludlum

Hi. I have been merrily paying off my Egg card at an agreed rate for a couple years now via the CCCS, It was about £6000, now about £4500. I am sure they have enough documents to make the debt enforcable etc.Now that Barclacard have swooped in and taken over without any please or a maybe...! What am I likely to expect in the future form Barclaycard? Are they likely to follow Eggs example of cooperation and allow reduced payments in line with recommendation from CCCS or are they likely to start being a pain.Egg have so far refused to consider reduced settlement offers as they say no to that while I am in an agreed payment plan. Are Barclaycard likley to take a different view and be more helpful.Any thoughts would be most appreciated.Thanks.

Hi. Recently had to drive my Wife and Son to St Thomas' Hospital in London and collect them two days later so I knew I had two charges to pay. I between all that, I was also working nights so literrally got home on both occasions and went straight to work. My intention was to wait until I was in the land of the living and log on to TfL and simply pay both at the same time. I honestly had no idea about the rule over having to pay that day or by the following day and a was simply going to pay when I got back out of nights and could plough through some home admin. By that time I had already had the first PCN and hence realised a second would be on the way. I contacted TFL and appealed but the refused but said I can appeal to PATAS. But their grounds for a second appeal are so narrow, there seems little point. I spoke with TFL on the phone and they said if my initial appeal was successful then I would not have to pay a penny, I explained that I was not looking for a freebie, I was happy to pay may way but felt that 2 x £60 was a bit harsh for an honest oversight. Any advice would be great or is this just a bite the bullet moment. Thanks.

Kinda thought it would go this way. Bloody XW! Anyway, have constructed a letter of apology to HR explaining all the mitigating circumstances and the fact that any alleged breach was insignificant as the recipient already knew the infomation, and the infomation was willfully gained in order to use it for personal gain etc etc. Plus, the fact that it is intended not to counter-complain about any of the staffs / managers actions or inactions. Also, have put in letter to agree to carry out any appropriate refresher training on confidentiality issues. Hopefully it will be a small slap on thw wrist for first time offence and put down as steep learning curve. Your thoughts!

Unfortunately, a statement has been written to the effect that my wife did indeed inform me of said patients attendance but only because of what had happened and how upset she had been made to feel. We all knew that my XW was going to this particular ward so it was no secret or surprise. It does get a bit more complicated though, we did email my XW and ask her to expand on what she had siad, why she had said it and what she sought to gain from all this. We also stated in email that if she had such an issue then she could have gone elsewhere (as this was an elective case) instead of pitching up on a ward knowing that paths would inevitably cross. We also said that this was our view and the view of other ward staff. Apparently, nasty XW then flipped this email onward and hosp know feels its also bringing hosp into disrepute! I would have hope they would have had better things to do!

Hi there. My wife works in a hospital and had the misfortune to bump in to my ex wife who was there as a patient. My wife had done all she could to avoid her but basically, my ex wife had said something about my wife to staff to the effect of "she must not come near me or my family because of an ongoing disupte". We are not sure what she meant by that to this day! Bearing in mind my Son from said previous marriage spends a significant amount of time with us. When my wife, innocently arrived on the ward to start work, the staff were basically treating he as if she was a criminal and done something very wrong. Doors were kept closed, staff were intercepting her the minut she went to go any where near the door, comments were written in books. This went on fore a few days and casued a great deal of upset for reasons yet unknown. The funny looks, the whispering etc etc all as a result of some quite frankly unfounded comments. Yet nobody had approached my wife in order to advise her of a potential issue! My wife telephoned me very upset and in floods of tears as a result of how staff who she had known for some time had suddenly turned against her as a result of some heresay comments which were taken at face value and subsequently poorly managed by fellow staff. I, quite angry at this as one would expect, spoke to the ward manager and vented my frustration as how my wife was made to feel and how the situation was managed. My wife made a formal complaint against the ward staff for allowing this all to happen and as a result, she is now being potentially disciplined under "breach of confidentiality" rules because during the time she phoned me for support, she obvioulsy relayed the reasons why. Her bosses are stating that as she relayed to an outsider that a patient was in hospital then she may take the wrap for a breach of confidentiality. However, it was no secret that my ex wife was in hospital as my Son (from said former marriage) had told me so. So the infomation was hardly confidential. My wife explained that she would not want any thing to do with my ex wife, in or out of hospital and had already made steps to ensure she could avoid her by previouos discussions with her line manager. Ward managers admitted to me that the whole situation was poorly handled from the minute these slanderous comments were made, but as soon as my wife formally complained, she found herslef potentially being reprimanded for phoning her husband for support. Is this right and what advice would you give to ensure she can keep her name clear in her own workplace. Thanks.

No, its HItachi Capital Finance which optical express used for laser eye surgery costs. Also, the debt with Chafes Solicitors has gone down the CCJ route. Can you offer and clear a debt with a reduced F & F it is a CCJ? Thanks.

They are varied between 1-5 years

Hi. I have a DMP through the CCCS which has been running for well over a year and have started to investigate early settlement offers. Would someone be able to advise what I should offer and what is likely to be accepted be the following creditors and balances.....many thanks. First Direct Loan 10 671 Egg Credit card 5532 Chafes solicitors (took on debt from santander finance) 5148 MBNA credit card 3438 HSBC credit card 3170 Hitachi capital finance 2552 If anyone has had experience of these particular creditors and the types of figures they accept as reduced settlement, I would be very grateful. Thank you.

Will bear that in mind, but in my case its defo a split in one of the parts on the EGR system.

CCCCCRRRRRAAAAAAZZZZYYYYYYY! Spoke to the dealer and advised him that it was a non warranty item that would costs £232 to repair, a small percentage of the value of the car hence I requested he pay for the full amount. He replied "I dont see why I should have to dip my hand in my pocket" to which I replied "well neither do I. " He then said, "to be honest, £4500 is nothing to me to I am quite happy to give your money back" to which I replied, "if £4500 is nothing to you, then you should have no problem funding the fault with the car you sold me" After a few words exchanged, I said "look, we are going round in circles here, I stated that either I expected him to pay for the repair or I would pay it and then pursue him via a small claims court hearing in order to get my money back. He then turned into a freak and started ranting and raving at me saying, "god, your making me swear and pace around, do you do this to everyone you talk to, argh, its made me really angry, I cat belive your making me like this." I was confused by this as all I had done was point out my statutory rights and suggested a couple of options. He then said, "right, ill pay for this repair but thats it, I dont want to hear from you again, no more. You making me mad, and if you carry on, ill take YOU to court." I tried to ask him what he wanted to take me to court for but I never did get a answer to that one. What is wrong with some people!

CCCCCRRRRRAAAAAAZZZZYYYYYYY! Spoke to the dealer and advised him that it was a non warranty item that would costs £232 to repair, a small percentage of the value of the car hence I requested he pay for the full amount. He replied "I dont see why I should have to dip my hand in my pocket" to which I replied "well neither do I. " He then said, "to be honest, £4500 is nothing to me to I am quite happy to give your money back" to which I replied, "if £4500 is nothing to you, then you should have no problem funding the fault with the car you sold me" After a few words exchanged, I said "look, we are going round in circles here, I stated that either I expected him to pay for the repair or I would pay it and then pursue him via a small claims court hearing in order to get my money back. He then turned into a freak and started ranting and raving at me saying, "god, your making me swear and pace around, do you do this to everyone you talk to, argh, its made me really angry, I cat belive your making me like this." I was confused by this as all I had done was point out my statutory rights and suggested a couple of options. He then said, "right, ill pay for this repair but thats it, I dont want to hear from you again, no more. You making me mad, and if you carry on, ill take YOU to court." I tried to ask him what he wanted to take me to court for but I never did get a answer to that one. What is wrong with some people!

Problem is, its otherwise a really nice car, immaculate condition inside and has had full main dealer service history. Ive looked all over the place for a diesel estate in good condition that I can afford and does not mean travelling across the country to look at etc. I have not long been through a similar problem with a garage whereby I had to tell them to take the car back and give me a refund. i was delighted when I found this one and it will be such a shame if I have to start from scratch. If the law is on my side with them having to pay for repairs then hopefully that will be the best way to go.

Hi. Some good info. There is however, loads of exhaust soot all over the outer shell of the turbo. would this be as a result of what you mention .