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Everything posted by Don4071

  1. Garage accepts they didn't do it. I just don't find it acceptable that's what they have done. Although haven't received it yet they SAY they will refund the £.
  2. Hi. Looking for some advice please. I purchased a 2nd hand car on 14th March 2017. Once the purchase has been sorted I paid 6 mths Road Tax before I driving the vehicle. At the end of May I learned that in fact despite paying the garage the road tax the vehicle was actually not taxed. Obviously I immediately taxed the vehicle before driving it. I have phoned the garage to ask for a refund (have receipts​) of the road tax I paid them. I wonder if there is any other options available? I'm concerned that I've been driving a car with no road tax which apart from in
  3. Hi thank you for all your replies. I did think it was ME being thick! Given I've now been made redundant which will be at the end of the month can't afford the payment on 18th March now or not all of it. Its not as if Im not trying to pay it I just need to cut back on the payments until I've secured another job. The arrangement was set up before the compliance letter but I have stuck to it so far, and paid above and beyond what was agreed to-date. I'll speak to Cheshire East on Monday and explain the situation to see if they can take back the debt given BS haven't stuck to the
  4. Hello - can anyone help please? I owed £2219 for unpaid Council Tax that the council passed to Bristow and Suitor. Reasons I owed so much is I am the only one working as my husband isn't working having lost his job due to being sick and doesn't receive ESA. Im trying to get some help to appeal this but this all takes time. I made an arrangement with BS to pay £374 on 18/01/16 followed by 5 monthly payments of £369 (total £2219) On 17/1/2016 (January installment) I paid £1000 and £369 on 1/2/2016 (which would be the February payment so before the 18th of the month
  5. Hello. July 2012 due to my husband losing his job a year or so earlier my husband was up in front of a court due to not paying the mortage. Luckily the judge ordered that we resumed payment plus installments to pay Santander the monies outstanding.. kept up with the payments to HL interactive how have missed 2 payments and now got ltr telling us they had made an request to the court for an eviction. Mortgage is in my husbands name and not sure what we can do. Can you help pls.
  6. Hi The Claimant is GE Money and Optima Legal Services are acting on their behalf. It isn't at the Claim form stage, this has passed I had till the 28/9 to get it in.
  7. Hello I've tried looking at other threads but sorry can't seem to see the answer. I didn't respond to a Court Claim by GE Money due to my daughter undergoing an emergency operation and t.b.h I was more worried about my child. The claim was awarded to GE (no surprise there) and I know I should have completed the claim form however just running back and forth to hospital, spending days and nights in ICU - I didn't do it. IS THERE ANYTHING I CAN DO BEFORE BALLIFFS TURN UP? I can not pay the whole debt in one go and hope GE or Optima Legal Services will accept some instalments
  8. When I was employed as an agency worker I didn't receive any training on Data Protection. I did receive an email attachement with the companies DP policy but wasn't 'briefed' about it - as I should have been as stated in their policy. Cut a long story short, I became a permanent employee of the company. Shortly afterwards, I was suspended because when I was an agency worker I emailed a document home to work on and this wasn't allowed according to their DP policy. Agency workers do not go on any type of Induction Course with the company - only permanent staff and I was scheduled to
  9. Thanks for everyones advice. The court was packed waiting to hear about their mortgage cases! The judge trusted there was a job offer and was prepared for my husband to use the lump sum to meet the CMI. The court used their discretion to allow my husband to pay the arrears over the next 3 years rather than 4 months which the solicitor acting for Santander was pushing for. End result repossession suspended for 3 years. I must say the court was very sympathetic to people who have been hit by the recession and although he didn't say it I defiantly got the vibe he was on
  10. Ok. Didn't realise working tax and mortgage interest assistance where in twined benefits. Will sort that out. Don't know what to tell the courts then because hubby only had interview yesterday and he's waiting on CRB checks so NO there's nothing in writing from the organisation to say he's been offered the job - its all verbal and provisional at the moment. The crux of the matter is all dependant upon assistance from HMRC by way of working and child tax credits - so until then there is no money to pay. In the budget sheet it looks bad too as as we are actually minus each month an
  11. Thanks for your reply. I've done the figures and as it stands we got 0 left in the budget to pay any money to the mortgage I've asked for an adjournment as it all rests on how much we get from HRMC working tax credit which is still in application stage. I've devised a 3 stage budget plan. Stage 1 shows theres no money in the pot. Stage 2 shows how much money is in the pot once working tax credit is approved. Hubby now as a provisional job offer so Stage 3 shows how much money is in the pot once he is earning. I've got the money from family member in my bank
  12. Does this sound ok???? My work contract ended in August 2011 and have continued to seek employment. However, I have a provisional offer of a new job. Subject to CRB checks and this will be confirmed in the middle of August 2012. I don’t envisage any issues. My wife has secured a full time permanent role. We have a Working and Child Tax Credit claim application currently being processed by HRMC. (The reason for the late application is due to initially being advised we could not claim however following advice by CAB, HRMC concur we are eligible to claim). I have a
  13. Hi. Would really appreciate any advice please. I currently work for a public sector organisation. I initally started as an agency worker and in my attempt to try and good job whilst I was temping I emailed some documents to my home to work on them. Only this month (July) I was taken on permanently by the organisation. However last week (12 days into my job) I was suspend pending an investigation for gross misconduct as emailing documents outside of the orgaisaiton is against company policy. I explained it was an error on my behalf - and they understand that but I still broke comp
  14. Hi. I've used CAG before and got great advice and hope you can help again please. I think Im about to lose my home. The mortgage is with Santander and the mortgage is in my husbands name. My husband is self employed and his contract finished last August 2011 and hasn't been able to find work since. Ive managed to find a full time job but my income isn't enough to cover all our debits so Im having to deal with these too. My husband has a history of stress / depression and I've only just become aware of how serious matters had become with the mortgage company. When I
  15. Thank you for taking the time to get back to me. Just so Im clear in my head about this. They need proof of who was driving the car and as registered keeper Im not legally obliged to declare who the driver was. Have I understood this? Thanks.
  16. I've now received my first follow up letter from TOWN & CITY PARKING. They've obtained my details from DVLA and I either make a payment of £60 within 14 days or 'may results in a summons or writ being raised for recovery of the outstanding Parking Charge Notice and further costs incurred'. I have until 3rd May to contact to lodge a dispute in writing. Not too sure what my next step should be? Any advice please? Thank you. Amanda.
  17. Hi. I've received a PCN for being 13 minutes over the 2 hour waiting time limit at a supermarket car park. Clocks changed today and didn't realise how long I had been. They're asking for either £30 if I pay in 10 days or £60 within 28 days and additional £10 administration charge will be levied. I've glanced through some of the 'stickys' but bit confused if I can do anything about this or not sure where to start. Could anyone give me some guidance. Many thanks Amanda.
  18. Hello I've successfully used this site previously for claiming back from my bank and credit card company for fees charges because of being overdrawn or bouncing cheques etc. Today I was told from a claim tout about claiming back for loans/credit agreements befcause of Unfair Credit card Agreements. So if I've taken out loan/credit agreemtn prior to 2007 and if the credit agreement didn't contain the all accurate information then it isn't enforceable!!! Now - I'm now one for turning my nose up at something that I could be entitled to claim for - however it does seem a littl
  19. Hi Polly. I've been following your thread with interest, as I'm tryin to get a ccj overturned also - but I'm further behind than you, so I'm afraid I havent got any valid or useful advice to give. I particularly like the evidence you put together - it sounds really solid. Also, it sounds like you've got two good un's fighting your corner too - Best wishes
  20. Hi thanks. If I understand this right - by replacing the whole bumper my car will be in a better state than it was prior to the accident? Pity I can't ask them just to replace the portion that was damaged - or even better ask for them to reinstate the pre-accidental damage on the new bumper - lol. The cost in total comes to £858! I was quite surprised by that as I had originally had a quote from the dealer to repair the damage and that came to £238. So either the dealer didn't do such an indepth quote or the garage appointed by the insurance company know it's an insurance job... just
  21. Hello would appreciate someonebodys advice or opinion about this. My car is insured with Sheilas Wheels After another driver hit my car I reported the accident to my insurance company. Sheilas Wheels appointed 'Drive Assist' to deal with the claim. To say they haven't handled the claim smoothly is an understatement - however they have told me something I don't think I've ever heard before. Basiclly they need to replace the whole of the back bumper. There is some pre accidental damage already on the bumper - so given that - I need to contribute towards the replacement of
  22. Hello....just so I can keep track I'm sending off this ltr today After recently obtaining a copy of my credit file from Equifax I was concerned to note that Shop Direct Financial Services has placed a "Default" notice against my name, dated December 2003 for £xxx at the above address Further to this I never received such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legisla
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