Hi I have a student loan but am currently earning just below the threashold for repayment. However,every year I get a bonus and some backdated pay in my wage slip. The month when this happens the student loan company take deductions from me even though its just backdate pay that i was owed and my yearly salary is still below £15k. How can this be allowed because technically I am still not able to afford repayments. When i phoned them about it they said I would have to wait until April and send them my P60 in order to claim it back but this is about 6months away from when they deduct it.My payslip shows how much I am earning a year so why isnt this enough for them to go on? any suggestions or info would be a help. Cheers!

ps. we have got all our bills from the very start

When we moved in the very first thing i did was to take a gas meter reading and electric. I phoned the electric one through to the electric supplier (Swalec) but when it came to the gas reading I tried ringing BGas but was on the phone over 40 mins and not able to get through to someone to give it to. I wasnt very happy about this so decided i wanted to go with Swalec so i rang them back to explain and they took the reading and said that they would do the rest.. ie. they would pass the reading onto BG and i would then be with Swalec. I have been paying SWALEC ever since for my gas and thought everything was fine until i received that bill addressed to the previous occupiers (that was in August). I have heard that you can only switch suppliers if you dont owe any outstanding amount to a different supplier so if, as we are being accused of, we do owe money to BG then why did Swalec take us on.

its such a long story really but basically the previous owners of our house live next door (well they moved couple of weeks ago). We received a bill in their name to our address 8 months after we moved in. When we informed BG that they dont live at our address and gave theyr new adress we thought that was the end of it but then BG tried billing us (as The Occupiers) for some of that bill that we had seen. We now know that the previous occupiers only gave theyr final meter reading about a month or so ago (10 months after moving out) and BG dont seem to see anything suss about this. We are not BG customers but they are demanding payment of gas that we belive the previous occupiers used. So as The Occupiers how can they take us to court if they dont have our details and we arent BG customers???

I have a very similar problem with BRITISH GAS. It appears that the previous owners left it nearly a year before informing them of their new address and theyr finbal meter reading. Now they are chasing us up for the balance even though we dont owe it...becasue the previous owners gave an inncaurate reading and they are choosing to belive them as they are BG customers and we are with Swalec. All the bills and demands are addressed to oour house but 'the occupiers'...so without our names can they still take us to court??

Just a quick question: Can Biritsh Gas take us to court as the occupiers of a property even though we dont hold..or never have held an account with them. The demand and solictor letter are only addressed to 'The Occupier'.

Oh I really hope they can help me out. The item in question was bought on Ebay for £35 (total paid including postage was £50).The seller has told me she put the value as $375!!!! which is rediculous as it was a 2nd hand item and the value she should have put was the amount I paid as that is all I was asking insurance to cover. I wonder if I was to take a copy of the auction listing printed out showing amount paid then they may be able to reduce the charge? or if the seller was to put it in writing that she made a mistake with the value. thanks for your help....much appreciated!

Hi I have a similar problem and would be very grateful for some help/advice. I had an item sent from America. I received a letter today from Parcel Force stating that I have to pay charges..they are as follows V.A.T = £35.55 PARCEL FORCE CLEARANCE FEE = £8.00 Now my issue is with this VAT charge because the item I bought is only worth £35.00 so how the blimmin hell can they justify charging £35.55..thats over what the item is even worth. Needless to say I am not paying it without disputing it first. The say I have 20 days before they send the item back to sender. I have tried ringing the HMRC but they are constantly engaged. I have emailed them and got an automated repsonse saying that they have a 10 day backlog and my options are to wait or to pay the charges and then if I wish to try and reclaim them I will have to write to them, or I can have the item re-assessed. Has anyone gone through this process? Would be grateful to hear from you if so.

Hope u are refering to them being not very sharp

HAHAHAHAHAHAH Oh my gosh how obvious is that WBU...your not only rubbish at customer service you are also rubbish at trying to get back at me...its so blatent that you are the so called 'dumbwelsh'...trying to have a pop at me because I am Welsh as well now is it? You are bordering on slander so I would tread very carefully if I was you. You dont want to end up back in court now do you?

Well if you type in WBU into google the thread I started here about them comes up as one of the first results. They prob typed their company name in and saw that and wanted to have a nose....bet they wish they hadnt..haha! Dont know what they think they are going to achieve by telling all sorts of tales of woe!...the matter is settled and they had to pay up..they should just get over it!

Thanks sequenci...he is just making excuses. The court told me that he kept sending in the wrong forms incorrectly completed. WBU told me that they were going to take the court to court...haha isnt that the funniest thing you've ever heard!

This was exactly my point all along. WBU are failing to mention that the fault was internal and the light was a sealed unit so... A. there was no way I could have known it was faulty as I am not a mechanic..and B. I couldnt have damaged it myself (as they accused me of time and time again). They are a mickey mouse company...the MD is 21 years old and has no idea of his legal responsibilities as a retailer.

...

As the original poster of this message regarding my dealings with WBU I would like to point out some things: Number 1: Would everyone like to know what WBU's reason was for not attending court? - They phoned 1 day before the hearing to say they wouldnt be coming which the judge deemed totally unacceptable - Their reasons for not being able to attend: a. Their car had broken down ("proabably due to being fitted by their own faulty parts"...and those werent my words) b. They couldnt hire a car because it was too expensive c. They had a health condition that meant they couldnt catch a train!!!... If they aren't bull s**t excuses then I dont know what are! And here they are whining on about it not being fair and saying the court was negligent ...boo hoo hoo... Number 2 I did NOT refuse a repacement part...They told me in order to have a replacement I would have to pay AGAIN UPFRONT for another light and would have to send the faulty one to them for testing and only if they found it faulty would I get my money back....Yeah right! As if I was going to let them have the faulty one back only for them to pretend to send it for testing. I had it confirmed as faulty by a VOSA MOT centre fully qualified mechanic ..that was good enough for me..and good enough for the judge. Number 3 They thought that with me being a woman they could bully me and try and scare me out of taking the matter further. WBU let this be a lesson to you that the customer is always right!

Result!! Just got of the phone to the bailiff who said WBU have paid up and I should receive my money in a couple of weeks! Excellent.

Hi Thanks for your advice. As soon as I had receied the penalty notice I phoned the number on it but they said I had to putmy apppeal in writing which I have done. I sent it recorded delivery with photocopies of the ticket and of my council issued residents parking ticket. As I havent yet heard anything I phoned them yesterday to check they had received my appeal, they said they had and I should wait for a letter from them (they didnt give any idication of the result of my appeal). Im not sure the last part of your advice really applies to me about the 'fluttering ticket' because it wasn't a prepaid parking sticker it was a residents parking permit which is valid for one year. Fingers crossed I will get a reply soon and it will be a good one. I will kep you posted.

Hi I have a feeling I may soon face the same problem. I have issued a warrant for bailiffs against a motor parts company because I won my court case but they are refusing to pay the amount they were ordered to pay me. I have a feeling that they may not have enough goods at the address I gave the bailiffs. If I am right and the warrant comes back as syaing that they cant recover the money how do I take further action against this company....I would love to see them out of buisiness before they cause someone else the troubles they have caused me. thanks

spoke to someone today at my local council but they said they cant deal with my appeal...i have to put it writing. He did say that I should be fine as long as it is on record that I have a permit...which I have.

Hi I have a similar problem. I received a ticket this morning for parking outside my own home for which I hold a valid permit (which is free). AsI have had a problem with a leaky wndow in my car then the holder must have come unstuck from windscreen and therfore wasnt on display. Do I have grounds to appeal against this ticket? if he had checked council records it would show my car is registered to that address and that I hold a valid permit. Why should i pay £30 fine for parking outside my own house and when i hold a permit.

Hi I have received a parking ticket this morning for parking outside my own home in residents only area for which I have a permit. Problem is that due to a leak in my window the inside of the window must have got wet and my permit holder thingy fell onto the floor overnight. surely the traffic warden does checks on the registration number which would have shown that I am registered as a permit holder..... Do I ave grounds to appeal do you think? Theres no way I wanna pay £30 to park outside my own house!!!

Hi Same sorta thing has happened to me...except the thing that fell to the floor was my residents parking permit. I was disgusted to find a fine for £30 on my windscreen this morning for parking outside my own home! I have got a parking permit but it had fallen off due to my car being damp inside (problem with leaky seals on soft top). What i am annoyed about is that I own a permit and the traffic warden should have a way of cross referencing my car registration to the council permit records. As I have a permit then I was legally parked so how can they fine me??? I wont be paying it thats for sure. I will be phoning monday mornning to appeal.

ps. what did u mean when u said the clue is the word 'personal'??

thanks for the link to that site. may be useful in future. as they are a young company i dont think il waste the £8 running a check because they have wasted enough of my money as it is. but thanks anyway.

22..thats 2 years younger than me then! haha i find that really amusing. With his complete arrogance I cant say I am at all suprised that he his young and inexperienced and its all a big 'front'. I am 110% going to proceed because I am no quitter and I have told them that all along. they tried to scare me off by saying a judge would never rule in my favour etc etc... I hope that even if i dont get my money back at least it will have an effect on their company having a ccj against them and they dont sound like they have much going for them as it is! I know they trade on a certain auction site as well as from the premises. Thanks you so much for your help pscylo. Is there any way I can find out if they have any other ccjs against them? as i have a feeling they have been through all this before by the way they have worded their letters. thanks