Anyone know the law and my rights with regards to floor plans/schematics of local buildings, i.e. shopping malls, government buildings etc and how I can get hold of them? Nothing dodgy about this request, its perfectly legitimate, but with society being the way it is, I can see how asking for things like this can get me into trouble if I don't do it the right way. Thanks

Bump, need an answer on this quickly.

Righto, I have an offer letter from the council after successfully bidding on a place. We are due to move in on friday, and yesterday I got a call at 16:00 saying the offer had been withdrawn, as we "do not need the place". Complete and utter B******S. We are 3 adults living in a tiny 2 bed place, on the outskirts of town, and the main reason we need to move is that my mother has medical problems, and is finding it increasingly difficult to use the very poor public transport to getto work and back. The offer letter states that it is a conditional offer based on one very specific circumstance, that they are satisfied we are leaving the old property, which we are. Is this legally binding?

Well, the usual assumption is that they are lying, and thats from personal experience. If that was not the case in this particular circumstance, then I will happily take queue jumping as an alternative

Hmm, The call centre worker argues with me that I cant get a payment, the supervisor argues the same, the section manager argues the same, and the deputy manager of the entire department says "sure, do you want to collect it today, or shall we send it to your account?" Proof in the pudding that 3 out of 4 DWP staff will happily lie direct to your face.

They have refused an Interim payment as they are "Not Allowed" due to having to give Income Support 4 weeks notice of intent to pay.

Since the 13th of April I have been caring for my partner. After months of waiting CA have today decided that they can pay me back pay from 03/05/10. However, in that time I was awarded IS on 26/06/10, so since April I have had a total of £180 to live on. Nothing else. CA have today informed me that due to that single payment, they cannot pay me the money I am owed until 11/08. Ridiculous. Please help, I am in so much debt and have no money whatsoever.

Ahoy there, I have recently had problems with a fraud case on my account. I had a pending transaction on my account for over a month for £3.99, which I did not authorise. I was told by the bank that it was no longer due to come out, yet 2 weeks later it appeared on my account. I was told by the area manager that I would have no problems accessing my money and all charges would be refunded as its fraud when I first enquired about the transaction. I went to withdraw my money and found that they had applied a £23 charge and planned to apply another £15 for going overdrawn. I spent nearly 2 hours with the branch manager arguing with him for the withdrawal of my money in the account, as he denied the area manager told me what he did, and said it didnt work like that. he was the most arrogant prick I have ever met and I no longer wanted to deal with NPBS due to him. He eventually refunded the £23 charge so I could access my money, and promised the fraud investigation would go ahead. It is now 2 weeks later, no fraud forms or contact has been made and I attempted to close the account, only to be told thta I could not as there was a "pending charge". I gave my card back, cleared the account to 0 and told them as of today I consider the account closed. However, they are going to charge me and it will rack up more charges as it goes overdrawn. What can I do about it? Thanks

Ahoy there, I have recently had problems with a fraud case on my account. I had a pending transaction on my account for over a month for £3.99, which I did not authorise. I was told by the bank that it was no longer due to come out, yet 2 weeks later it appeared on my account. I was told by the area manager that I would have no problems accessing my money and all charges would be refunded as its fraud when I first enquired about the transaction. I went to withdraw my money and found that they had applied a £23 charge and planned to apply another £15 for going overdrawn. I spent nearly 2 hours with the branch manager arguing with him for the withdrawal of my money in the account, as he denied the area manager told me what he did, and said it didnt work like that. he was the most arrogant prick I have ever met and I no longer wanted to deal with NPBS due to him. He eventually refunded the £23 charge so I could access my money, and promised the fraud investigation would go ahead. It is now 2 weeks later, no fraud forms or contact has been made and I attempted to close the account, only to be told thta I could not as there was a "pending charge". I gave my card back, cleared the account to 0 and told them as of today I consider the account closed. However, they are going to charge me and it will rack up more charges as it goes overdrawn. What can I do about it? Thanks

I had a number of social fund loans a few years back, and now my Partner is on ESA. The social fund have written to her saying that she is liable for my debt and are going to be taking money from her benefit to pay for me. I am not working as I am a full time carer and am not receiving any form of benefit. I am not included on her claim, and took out the debt years before I met her. Her weekly benefit is currently the only household income and the social fund people have basically told us "tough luck". Surely she can not be made to pay for my debt? Please help!

Ahoy there, A few months ago the missus upgraded her mobile contract, despite my strict instructions not to. The situation currently stands that we are on £51 a week for both of us, with no other help forthcoming, as I have had to become a full time carer. A few days ago, she had a letter stating she had not paid this months bill, and if she did not pay in seven days further action would be taken. I have tried to get her to call to speak to them, but other issues have stopped that, She has now been cut off, and we can't pay the bill. How do we stand legally? Obviously they are going to be pursuing debt collection for the next 15 months of "line rental", a service which they will not actually be providing as they have cut her off. Please help, I don't want this to become another debt that can't be paid.

I owe £200 to Payday UK. And I cancelled the card as soon as I realised I could not pay it, so i wouldn't get any charges.

Yeah, it was 3K for the year, and they knew that when I shouted at them today over the phone. Amazing how you can never get your hands on the goits who make the descicions isn't it. As for the ATOS stuff, I have read a fair bit on here about it, but all it's done is make her worry. However, her advisor at the Jobcentre told her all about the appeals process and how crap ATOS were, which made me laugh.

Attempting to Claim DLA at the mo, how can £3k a year be enough to live on for 2 people? We have the horrors of ATOS to go to tomorrow as well.

I had a Payday loan, and then got the sack. Stupidly I ignored it and now they have whumped on a buttload of charges and are going to send it to a DCA. I don't want that to happen, and am prepared to pay it off in installments. I dont want to pay all the charges they have added on(about £200 of charges for a £200 loan). What is my first port of call?

My partner has needed constant care and supervision since the 15th of april. I have not worked since then, and I was told I could claim income support to look after her. She is on ESA and gets £50 a week. I have today been told that as she got a student loan 2 months ago I cannot have any money until 26th June. What am I suppose to live on? Never mind that a Student Loan is a LOAN, they consider it income. We currently have no money whatsoever. Please help.

But if its my image, surely the rights to it remain with me?

Hi there, Hoping for some general information. I had a photo of myself and the partner taken in a studio, which we got one copy. They want £400 for a second copy(they can nob right off) so I am just going to scan it and print it myself. Apparently this is a breach of copyright law? However as far as I am aware, the copyright lies with the subject, not the taker, as it's my Image that's been taken and I have not signed anything to say they have full rights or been paid any kind of image licensing fee. Correct me if im wrong on this one? Links if possible. Thanks

Well, she has an appointment with a healthcare Mental Worker person(I forget the exact name). However, I have not been to work in a week and a half as I am providing 24/7 care to her(she can't be left alone). We have applied for DLA, and once she has it I will apply for CA, however what can i do for money in the meantime. I am going to ask work for an extended leave of abscence so I don't lose my Job, but what benefit is applicable in this situation? The jobcentre itself was quite unhelpful.

Hi there, My Other half has severe depression, she has been signed off work since January, and if steadily falling further and further behind at college. She is not getting any better, and all I see is her getting worse with no help from doctors. She seems almost unable to function without me being around. Today for example she goes to college and I have to come pick her up from the bus stop down the road as she is sitting there crying and shaking(and its not the first time). I need advice on how to get her better help, and if I can claim any kind of carers allowance to look after her full time, as I am probably going to lose my Job if I have to keep taking time off to look after her. Thanks in advance, and please feel free to move this to a more appropriate area if there is one.

Hi there, My other half has severe depression. I work nights, and on one occasion she was so bad that I let her come to the hotel and sit in reception for 4 hours until the end of my shift. The hotel manager tried to tell me off for that, but as soon as I mentioned the reason and stated about her depression(plus it was either she came in or I went home) she shut up. Now I have called in today to say i'm not coming in as she has had a quite a bad setback. Is there anything the manager can do to me, for taking time off to deal with my other half? Thanks

This one is payday UK, the one underwritten by moneyshop.

Ahoy there, I took out 3 Payday loans with 3 different companies about 6 months back. Not quibbling with them as i was happy to pay for them due to circumstances at the time. I thought I had paid them all off, but I had a letter from one of them the other day demanding payment plus about 6 months of interest and charges. This is the first I had heard, so I checked out the accounts and it appears that although there were funds in the account they did not try to take them on the due date. A few weeks after that I had a new card, so they would have been unable to take it afterwards. I have read before about these and saw a perfect letter for the situation, could someone point me to it please? It basically stated that I wont pay the charges, and heres my offer of monthly repayment(as im not able to just pay it all off at once right now).

Ok, but if Easter Sunday is not a public holiday, why are all the shops closed and working times restricted for that day? Just out of interest.

My contract does not specify bank holiday but public holiday. Considering pretty much everywhere is shut for easter sunday, surly that counts?