There are 70 XKR's on Pistonheads at the moment. You will have to look through as they range from the newest to the oldest; however, I am sure you will find what you're looking for. TFT

Hi Jeff, Very sorry to hear that you wrote your car off but I hope I can assist. Firstly, given the details you have given us about your car I personally think £10k is a joke from the insurers who are trying it on. If you want to find some very good comparable values for the XKR get on onver to www.pistonheads.com. You might already know of it but if you don't they have a huge classifieds section and you will surely find some XKR's on there - it is the home of the petrol head so I think you eill find examples that will be best matched to the condition your car was in. The site is very big and also has a lot of credibility so don't worry about that. Also, go to your local Jag dealer and hypothetically ask him what you should expect to pay for a car that has a similar spec to your one (pre write-off). Finally, collate as much dated evidence as possible of true XKR values. You can present this to your insurers. Hope this helps Best Regards, TFT

Well, when it comes to being a sole trader you can pretty much call yourself what you like and start carrying on a business. However, if he is running a Limited company then it is a different matter. The trouble is that even though the agreement is not in a name identical to that of your husband's business, it does contain his last name and a description of the business that matches his. More importantly, I assume that the agreement does display the correct address for your husband? Theoretically, the only way out of an agreement that used a different name would be to deny that you ever took out the agreement; however, if the matter ended up in court (which it probably would) it would be asked by the judge why has your husband been making repayments under the agreement if it is not his? It wouldn't make sense. Based on what I have said above, this is not the argument you want to use because it would almost certainly fail. Your only real option would be to try and identify an error in the way the agreement was originally executed - a technicality that has the potential to make the agreement uneforceable. If you are facing financial difficulties in the recession (as many people are) I would advise that you write to the hire company and explain your circumstances. Ask them if there is anyway to terminate the agreement or whether the contractual payments can be made at a reduced rate. I suggest this route as, even if you find something wrong with the agreement it would be down to a judge to find it unenforceable and by that point the hire company could have recorded numerous negative markers against your husband which will trash his credit score. Be very careful about going to a solicitor, many charge £150+ and hour which is ultimately money that could be put towards you walking away from the agreement without any damage to your credit worthiness. Best Regards, TFT

It is also worth pointing out that it probably didn't do the defendant any good lying to the judge about seeing the signs. Defence appears to be very poor. Btw, you know what they say about blokes buying flash cars to compensate, I wonder if it applies to blokes who perpetually take people to court over bogus parking tickets ;-) Bitter and twisted me thinks lol Best Regards, TFT

Very interesting article, however, the district judge didn't state the above, it was Perky who was the claimant who would have a very vested interest in pedling this propoganda. TFT

That sounds like fraud by false representation to me, if the salesman deliberately mislead the finance company as to your husband's circumstances. I wouldn't freely admit that you were happy with the salesman doing this. Who has advised you that the agreement cannot be cancelled - solicitor? My advice is that if you want a loophole, then you need a very good solicitor to go through the agreement. You can do it yourself; however, you want to tread carefully as if the finance company found out they were mislead this could cause you a whole heap of trouble. I must point out to you, even if there is a problem with the CCA, it does not mean that the credit agreement ceases to exist, it merely means that the finance company cannot enforce it, this means that they could still try and register a default with the credit agencies. Before I advise you further, are you saying that the agreement is in the name of a business that never existed? Best Regards, TFT

Hi tinksy, Just to get this clear, are you saying that they overpaid you by a £1000, you subsequently repaid a lump sum with the rest being taken from future payments and that now they want to give you an IUC over this matter? Regards, TFT

Seems a very odd case number to me? Have you actually telephoned BinF county court to see if this was a genuine case that was heard? If not, I would do so this morning before it shuts for the bank holiday. Better still, get down there and pay the court a visit. I have always found my local court to be very helpful Also, if they do have a judgement and you didn't recieve the correspondence then you may be able to have the judgement set aside? WIth regards to the vehicle in question, if it is being kept on private land and not being used at all make sure that identifying information isn't visible e.g. registration and tax disc - best option would be to sheet the car which looks a lot less dodgy than a car missing registration plates. I bet that you have both PPI and certainly late payment charges on your GMAC account. You could potentially legally contest these which, as others have said, could leave GMAC in debt to you. I managed tgo recover my late payment charges from Peugeot Finance by going through the county court process (they settled before the hearing) so it is possible to do, despite what you might hear about bank charges now! Finally, be careful about publishing any identifiable information on this website such as a county court case number as the forum is open to everyone including GMAC and their collection agency. Best Regards, TFT

Hi everyone, Just wondering if anyone has had a crack at applying the £1 a day charges applied to their Halifax accounts for being overdrawn? I did hear some rumours a while back of the charges being potentially unlawful within the meaning of the UTCCR? Thoughts and opinions please? Best Regards, TFT

I am affraid to say it but from what you have said it sounds like it would simply be a case of his word against yours. You would say it was a loan, he could say it was a gift and so on and so forth. I certainly agree with Bookworm, the most you could hope for from him would be half the amount of the loan. My best advice to you would be to consult a solicitor on this matter - knowing that he owes you the money is one thing, proving it in the county court could be quite another. Best Regards, TFT

Did you ever check your credit score to see whether they have affected it at all? I'm doing some research on this area and am interested that is all - I am a student btw. I once fended off debt collectors for my gf for an alleged ebay and PayPal debt and they didn't touch her credit record. Best Regards, TFT

At this point all of the Local Authority tickets will be past NTO stage which means they will each be worth at least the full value of the penalty plus 50%, correct me if I am wrong guys? Do the maths, say they are each £70, plus 50% will take them to £105 each. That is £420 alone, before we even factor in the bailiff costs (you mentioned that a company was trying to recover this money owed to the LA). LA tickets are issued under civil law; however, I think FPN's are issued under criminal law so I don't think you will be able to evade the Police forever even if you could give the LA the slip. I must say, your gf must have some money to keep coughing up for all these parking tickets?! I think I'd rather have a push bike lol. Regards, TFT

One of the chaps that runs Devere is called ..., he drives a ...........which can frequently be seen running around Bournemouth (this is a recently new car, he used to have a ......). The chap himself I would say is in his late 40's to mid 50's, balding with shaved grey hair, about 5' 8" with a stocky build (13 stone-ish). Devere invoices are very poor, even in the context of PPC's - they look like they've been run off on MS Word or similar. I know they also patrol Castle Point in Bournemouth. They are based in Bournemouth but use a Mailboxes address in Commercial Road which is near Bournemouth Triangle. The business has an @hotmail.com address so seems fairly amateurish, also signage is very poorly written (no knowledge of contract law whatsoever). From my understanding, this chap ... basically rides around Bournemouth all day stopping off at various sites issuing tickets. It would appear to be a small fry operation at best, almost a pension scheme! TFT

Hi Damsel, One last piece of advice I would like to offer you is don't let the DWP load the gun! I would never advise anyone to mislead the DWP in an IUC but by the same token don't let them put words in your mouth about motive or anything like that. Secondly, whilst I suggest being as cooperative as possible, please put your bravest face on! The DWP investigators work on targets and so they go for the quick wins which are usually the more vulnerable people in society (notice how many threads there are about single mothers and IUC on this forum). Stand firm and stick to your story. I think you have been very clever by preparing what you want to say in advance. All the very best of luck, TFT

Hello everyone, Thank you for your comments. Since posting I have contacted my insurers and they have confirmed that despite the fact that the matter will be recorded as a 'no fault' on my profile, it will still negatively impact my renewal quote. Any ideas? Thanks, TFT

My cousin did some male modelling when he was younger - got some good jobs (mainly in underwear modelling though). He paid his agency the grand total of nothing to join. A credible agency will be able to make money out of a model through the work they get for them which negates the need for an upfront fee. A lot of people seem to think that they or their relatives have model potential but let me tell you it is extremely hard work. My cousin constantly had to maintain a lean 7/8% bodyfat, workout 3-4 times a week and ate a very carefully planned diet - non of the yummy stuff most people enjoy - it's a hard lifestyle! Be warned, there are a lot of [problem] companies out there and every mother's child is drop dead gorgeous lol TFT Another thing that seems to be hugely important is a very symetrical face and sharp well defined features - e.g. Becks is a good illustration.

People sure do, some [problematic] will literally risk their lives - I watched a documentary once on a chap who created 4 seperate accidents all so that he could get some personal injury compensation - a slightly different situation though. My thoughts are that it would have to be a fairly substantial impact to cause that amount of damage to the engine. It is likely to be just pure coincidence. Quite simply, I feel that your colleague will be left to foot the bill unless he/she can prove the damage was caused in the accident or that the garage was responsible for the damage. TFT

Hello everyone, I am posing this question on behalf of a friend without computer access to the wonderful world wide web lol. She is currently in receipt of full housing benefit from her local authority which is paid on a four weekly cycle. Shortly she will be leaving her property and going abroad for 12 months. The issue is that she will be moving out on the 19th March and her final housing benefit payment wont be due till the 22nd. What happens in this situation? Will she get her full housing benefit for the four week period less a deduction of the 3 days between the 19th and 22nd and if so will she still recieve her payment on the 22nd? Naturally, she wants to avoid any overpayment issues - should she write and advise the LA now of her forthcoming change in circumstances or leave it till nearer the time? BTW, I've told her to make sure she sends the notification of change in circumstances by recorded post! Many thanks for any help you can offer. Kind Regards, TFT

Hello everyone, Thank you for taking the time to read my post Not so long ago, I was getting petrol at the local garage when a chap in a very expensive executive saloon reversed in to my car and creased my wing. I have been to an excellent body shop who have advised me that the wing will need replacing at a cost of just over £500. This claim is currently going through my insurers; however, despite the fact that the accident was not my fault it appears my insurance will be affected because of this matter - I believe it is because I now pose a greater risk. I have substantiated this by doing 16 dummy quotes. Eight of the quotes were based on my exact profile now and the other eight were based on my profile plus the addition of the claim. My findings were that I will be looking at an approximate increase of £125 in my insurance premium at renewal time because of the accident. My question is that I don't think I can claim through my insurance for this, so can I sue the party directly in the county court? I base this question on the fact that I will inevitably suffer financial loss as the result of someone elses actions. I would be extremely grateful for any assistance. Best Regards, TFT

Hi Damsel, I wanted to respond to your post because of the circumstances you are in. I would think that unless you have a string of previous convictions you would be exceptionally unlikely to go to prison given your circumstances. Firstly, you did not set out to purposely commit a fraud did you? Secondly, you were hardly using your benefits to fund a lavish lifestyle. These are factors that would be considered as mitigating circumstances in your defence. I would think that if anything you could end up with an administrative penalty - a bit of a perverse punishment given your financial circumstances I must admit. Also, I must say that you have an excellent attitude regarding being open and honest about it and stating your intention to repay the money. My best advice to you is if you have to let the house go, let it go - it's bricks and mortar. It's sad to see people get in such a state because through no fault of their own they find themselves in a difficult financial position but the most important thing is to keep the mind and body strong. You have a battle on your hands and so you must be well equiped for it. Get your 8 hours, eat and drink regularly and keep positive. Do as much as you can to safeguard your situation and try and put some temporary arrangements in place for things like accommodation. Personally, I think you seem like a very nice and decent person so, as others have said, don't beat yourself up about the situation. I am sure that no good person would think badly of you at all. At the end of the day, you're 47 years young and depending on what happens there is plenty of time for you to start again if you need to. Keep your chin up sweetie. All the best, TFT

Consumer Dude, I would greatly urge you to take the advice of Bank Fodder. I for one can say that unless banks think that you might be a thorn in their side they will have you running around like a headless chicken - I've been there and experienced it. I echo what Bank Fodder says, draw up the costs that you have incurred as a result of the banks error, add a reasonable amount of compensation (£100 as suggested by BF) and write to them advising that this is the compensatory amount that you will except in respect of their error. Remember that if the boot was on the other foot the bank would be hammering you with charges! If they do not pay up write to them again giving them a further 14 days and then issue a county court claim. I think that you would be extremely unfortunate to lose a cc claim in this matter and I also believe the bank would fold prior to the hearing date. I wouldn't be interested in what the bank is doing to trace the £40. All that matters is that they have confirmed you paid it to them. Stop letting them give you the run around and indicate that you mean business! Remember keep anything you can to substantiate the costs you allege you've incurred and don't ring them. Things can be said on the phone that can't be said in a letter. Also, it is much easier to prove the contents of a letter than it is the dialogue of a phone call! Best Regards, TFT

Very exciting. Some excellent work by GLC - well done TFT

Hey, No I mean just one of the accounts being a Reward Account - the other any account from any provider. TFT

Hello everyone, I have been looking through the Halfiax Reward account terms and conditions and have arrived at a question that somebody on here may well be able to answer for me. If you had two bank accounts (one of them being the Halifax Reward) with no activity on them, could you simply switch £1000 between each account so to qualify for the £5 monthly reward? To illustrate, set up a standing order to pay £1000 in to a/c B (Reward Account) from ac A on say the 3rd each month and then return the money by standing order to ac A from a/c B (Reward Account) on say the 10th. This never ending cycle would yield £60 per year on the same £1000 which is a 6% net interest rate. Do you think Halifax would shut you down for this practice? TFT

My question is purely hypothetical. If somebody who lived in the UK and had an English registered car on finance took it overseas permanently (France, Spain or Italy), re-registered it in the foreign country and then stopped making the repayments what could the finance company do? Thank you for any assistance, TFT