As many as you want, as long as they have your permission and they are on your property. Outside these rules, you'd likely be classed as a 're-seller'. It doesn't matter if you have 10 personal pc's/laptops, or have 10 friends who visit, who each bring their own. Just don't try sharing it with the whole street, remember that you would be held liable for anything dodgy uploaded/downloaded using the connection that you pay for.

Ok... I'll bite: According to this, you're ok as long as YOU didn't do the damage. But i'm sure Travelodge will have a different definition of 'YOU'.

Check that the Meter Number on the bill matches the number on your meter, and check that the meter does show Imperial units (cubic feet), not metric units (cubic metres).

If this is what they are saying, i'd want to see the sick certs. They should be signed, but who signed them ?

As stated, 'You can buy any phone that is not locked to another network'. This means either an 'Orange' phone, or an unlocked one. In other words, don't buy a vodafone/o2/tmobile phone unless it has been unlocked. You contacts are usually stored on the phone, but can also be stored on and transferred to/from the SIM card.

You can buy any phone that is not locked to another network and takes the same size of SIM card you have and put your SIM card in it. You have several options: 'sim free' phone (one that does not come with a SIM card). pay-as-u-go phone (comes with a SIM card but you can put your own SIM card in it) second hand phone (ebay, gumtree, etc) The phone number is 'linked' to the SIM card, not the phone. But it can be transferred to another SIM card, e.g: if the phone is stolen or damaged.

I agree, £600 still owed, plus the £12 late payment charge. Each of the £200 interest/charge payments didn't pay anything towards the principal £800 originally borrowed, so £1000 (£800 principal + £200 interest) was still owed at Month 6. As £400 was taken from bank account, that leaves £600 still owed. In effect, £200 monthly interest on an £800 loan, that's 25% per month or 304% APR. Ouch!

No, not correct! Quoted from the TV Licensing website, emphasis mine: This means the first years license is paid for in the first 6 months, using 'double payments', and the second and subsequent years licenses are paid 6 months in advance and 6 months in arrears. If you move home frequently it can be a pain changing licenses and sorting out and overpayments/refunds.

That's why I didn't say 'all'. For a leased car, you would have to declare that it's a lease car. I've just done a test on gocompare and a normal quote where I was both owner and RK returned 107 out of a possible 124 quotes, a quote for a lease car returned only 52 quotes. Incidentally, a quote where my 'spouse' was both RK and legal owner only returned 56 quotes. Before completing the purchase of my last policy I had to agree to a list of 'assumptions' provided by the company, one of which was "The vehicle will be kept at the RK's address", so the OP's OH would be limited in his choice of insurer or he would have to lie to get the quote he wants.

The insured's address would be different to the RK's address, and would be a no-no for insurance. Most insurance specifies that the vehicle is kept at the RK's address. For a couple that would be ok, but they aren't a couple now, so he would also be lying on his insurance application. If your sister in law wanted to be devious, if she has the V5C, she could SORN it online now and hope he gets pulled or report it TWOC'd.

I don't understand this line: Surely the PAYG sim card that they provided has a phone number, either the original Pay Monthly phone number if it was given as a replacement sim card, or a brand new phone number. You cant 'register it against a different number' as they claim, it is already registered against the phone number they have on their records. If they meant it wasn't 'activated' properly, it can't be locked to a particular phone IMEI, as people change phones all the time. Did the different family member provide their personal details whilst activating the sim card. They may mean that it was registered to a different person, not number. Check any letter or T+C's provided with the sim card. Bottom line is, you provided clear instructions to cancel the contract, they didn't perform those instructions. They confirmed that they knew about the cancellation instructions by sending you a PAYG sim. They may try to hide behind any terms attached to the PAYG card, but as long as you cancelled as per the original contract T+C's i'd tell them to stick it! Not strictly an orange matter, but i've cancelled several contracts with other providers and have always had a PAYG sim card foisted upon me, which is usually provided with the sweetener that they dont enforce the 30day notice period and convert to PAYG at the next billing cycle.

Hi, I'm in a similar situation with Philips but i'm the "other half". I have a mags court fine which is now paid, i paid online directly to the court so the money should arrive at the bailiffs soon and they should pay the money back to the court to pay off the fine. So the only outstanding issue is their costs, £275 for one very brief visit, where he knocked and posted a letter, no van (as my other half was at home and saw him in a blue car, he only knocked once and only stayed about 10secs). I have knocked up a letter and would appreciate your thoughts before i send it:

Not necessarily, I used to take my sky card to a friends, who had 'freeview sky', and it worked perfectly, unlocking all the channels I normally had access to on my own box.

Not if you dont have or can't return BOTH parts of the licence. I lost the paper part after moving house recently and fell foul of this rule. I decided not to get the replacement straight away then got stopped by the police who politely informed me that if I dont have BOTH parts of the licence then I DONT HAVE A LICENCE.

Good idea! I wouldn't put anything past them. Cheers Simon

Hi all, Well, I sent the "Not Guilty" plea back and ticked for the 2 DVLA clampers to appear in person and I got a letter this morning stating I haven't paid for any licence, the vehicle is still unlicenced and parked on private land. It looks like they have thrown in the towel but I don't know why, maybe because of my determination not to just lie down and take it! Cheers all Simon

There are only 2 witnesses named on the summons, I assume they are the clamping team. I have recent photographs and an illustrated "google maps" maps, but it might be worth asking the council for a proper maps showing public road boundaries. I hope the clamping team took photos and I hope they didn't destroy them when they removed the clamp. I like the idea of an "embarassing for the DVLA" case. Next thing to think about is should I claim for my time, say 3-4 hours at £9.25 per hr. Simon

Hi all, I just received a summons for "you kept a mechanically propelled motor vehicle registration mark XXXXXXX for which a licence was not in force, contrary to Section 29(1) of the Vehicle Excise and Registration Act 1994. Some background: Vehicle tax ran out on 31/07/2008, SORN'd online a few days later on 04/08/2008, have email confirmation. Car was and still is parked on private land, according to VERA 62:1, a courtyard area behind mine and neighbours houses. On 13/10/2008 there was a 'blitz' in the local area by several agencies, local council, dvla, police, vosa, etc. The various agencies were stationed about 50 yards away from my house. I had been clamped! Car was still parked on private land. I had a conversation with clamping team who basically said "prove it's private land". So i did! I rang the local council and spoke to a nice lady who said "yes, that land is NOT repairable at public expense". I went back to the clampers and gave them her name and phone number. About 10 mins later, they came and unclamped my car. This is where the nightmare begins. On 21/10/2008, received an offence report letter from DVLA for a Section 29 offence and giving me chance to pay £100. I duly filled it in and wrote in part 3 that the vehicle had been clamped/unclamped and was on private land and no offence had occured. On 04/11/2008, received another letter stating "I have considered the facts further and can find no reason to alter my original decision." and giving me another chance to pay £100. On 07/11/2008, i sent a letter to them: On 17/12/2008, received another letter asking for £100 out of court settlement. I ignored this one. The summons includes copies of the witness statements, a CLE2/6 form where it state "At location: RAVENS STREET [WF13]". The vehicles was not parked on Ravens Street, but just off it on a private courtyard. The courtyard is not fenced or gated, but has a kerb stone border with Ravens Street. It's obvious to me that because they removed the clamp without me paying they knew they shouldn't have clamped the car in the first place. But, they still sent the report to the DVLA who are taking it the full distance. I have filled in section D, "Not Guily Plea" but dont know whether to tick for the witnesses to appear in person. What do you think i should do ? Simon

Yes you should have a good chance of convincing a judge that the error was theirs. It's not that they have two addresses for one database, more likely that they have two departments with seperate databases, who dont communicate properly. One thing to think about though :- did they intentionally chase the old address, after sending the first letter and getting no reply, knowing full well that nobody would be there, with the intention of increasing the fines due ? I wouldn't put it past them. I have my own gripe with DVLA, so forgive me if i sound cynical! Simon

I am with Ebico, and find them to be superb! Their rate is somewhere between the 2 rates that you are charged by other companies, so depending on how much you use you could be paying more or less than the other companies. If you use a lot of energy, you may find your bill slightly higher than competitors, but the bills are soooo easy to understand, no standing charge, none of the "first 255kwh at x.x pence and the rest at y.y p". All energy bills should be like this. Simon.

Hi, That is correct, your employer is entitled to make a £1 deduction from your wages to pay towards the cost of admin each time they make a deduction from your wages for an Attachment of Earnings Order. Your employer can only deduct the £1 if they actually make a deduction, so if your earnings are below the protected amount, you don't have to pay the £1, i.e: it isn't for the time spent doing the calculation, it's for dealing with the actual deduction and forwarding of the money. If you are paid monthly, they can only deduct £12 per year. I have 3 (!!!) attachments and i'm paid weekly, but luckily my employer doesn't charge me the extra £3 per week. If you have several attachments, you can apply for a Consolidated Attachment, which is 1 single deduction, which is then apportioned to the relevant debts. Simon

Hi, About postdated cheques; I submitted them all with my Agent Weekly Return Sheet (AWRS), I don't know if the processing centre actually submitted them for payment, but I sent them all in anyway. Looking back now, I should have kept hold of them to cover subsequent weeks, which would have shown non payment on my AWRS and affected my IQ for those weeks, (forget what that stands for, something quotient, i think), but I was told not to hold on to them, cos that would be keeping someone elses money and could be construed as dishonest if there was a spot check by the boss. Regards, Simon

Hi, I've come into this thread a bit late, but this info may help. I'm an ex provident agent, and they do accept reduced payments, but try to pay the minimum amount the agent needs to earn their "points" each week. The agents collection list has a minimum amount for each client which will still earn the agent their points that week. This amount changes each week, but is usually just over half the normal weekly amount. As long as the agent is getting their points for the visit, they will be happy (their wages depend on their points!). The next time the agent visits, ask them what the minimum payment for points is. EDIT: The advice about the payment book is correct, they HAVE to give you one. Whatever you do, DO NOT SEND POSTDATED CHEQUES, they WILL submit them early. I did ! But, it may have changed in the last 3 years since I 'slaved' for them. Regards, Simon

I am in the process of claiming from the Halifax. I sent the preliminary 'request for repayment of charges' letter on the 7th Dec, and yesterday got a letter which was dated 13th Dec saying they received my letter on 13th and they'll get back to me within 4 weeks. Do I stick to the 14 days in the letter and send the LBA ? If so, which date do I use ? The date I sent the letter ? or the date they say they received it ? Simon

I have decided to reclaim bank charges on a couple of old accounts that were closed while I was living at a previous address, over 2 years ago. Sent my LBA request on 7th December, giving them my old adress, my new address and photocopies of my driving licence, my birth certificate and 2 old bank cards to prove my identity. Today I received a letter (dated 5th Dec!!!) saying: Is this a stalling tactic on their part ? Or is there some reason they can't change my address and send the info to me ? I was thinking of replying with this. Does this sound ok ? Simon