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mrpenguin

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About mrpenguin

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  1. Thanks fkofilee, sometimes going to the top is the only way to force a reply.
  2. They did a 'hard' credit check/score - an actual credit application. That does affect future credit scoring, even if it was not taken. I subsequently queried this with Experian after reading your reply telling me I was asking for things that are completely incorrect or gibberish.
  3. **2) who can I complain 'to' to ensure Virgin are exposed for this practice?
  4. Hi there, seeking advice of the legal variety... Over a month ago now, Virgin Mobile called me as an existing customer to try to upsell me a new phone and tariff. After discussion an offer was made that was too good to decline. A new S8 and suitable tariff for £29 per month over the period of 24 months. The offer was made of two parts, a loan for the device at £25 per month and the tariff of £4 per month. At the end of the 24 month period, I would just be paying the tariff of £4 per month. I was pleased with this offer and accepted. I confirmed the offer several times and each time it was verified by the representative. On the basis of the offer made and accepted, I agreed to undergo a credit check for the purpose of the loan part of the offer. The credit check was duly scored and passed. The representative advised I would receive three emails, the first relating to the credit agreement. I was instructed to click the link in the email and accept the terms of the credit agreement at which point the device could be dispatched. While on the phone still to the representative the first email arrived but it contained details of a credit agreement for 36 monthly instalments, not the 24 agreed. I raised this with the representative who ultimately advised that the offer made still stands and that I should proceed and accept the credit agreement. I advised that the agreement is wrong and so that a new one should be sent. The call finished and I waited for a corrected agreement to arrive. But it did not. No further emails arrived. Only two text messages advising that I had upgraded and that my tariff. I called Virgin Media the next day to query the agreed sale and after discussion with that advisor, I requested a complaint be made. The advisor stated I would be contacted within 48 hours about my complaint. In the following 5 days I received no contact from Virgin (only other than to chase why I hadn't signed the agreement). I then wrote to them laying out the situation and my complaint asking them to honour the offer. No response had been received to that letter I wrote another advising that I demand they remove the credit reference score they made from credit agency records, which has still not received a response. It is clear that Virgin have no intention of addressing his complaint. The issue for me is that they have performed a credit check against me based on a mis sold product. That credit score needs to be removed. 1) how do I go about getting this done? 2) who can I complain o to ensure Virgin are exposed for this practice? Thanks Mr P
  5. Hi there I recently took up Sky on an offer regarding SkyQ. This included a main 1TB box and a smaller mini box. In short: In the initial call making me the offer (retentions team) there was no mention of a fee for multi-room services. I raised a complaint about this to which I requested the call to be listened to. I was told subsequently that the call was listened to and the monthly fee was mentioned. I then made a SAR and got a copy of the call recording and system log notes. The call contains no mention of the multi-room fee. So in short I've been lied to and have proof. Is this fraudulent - I think it is? ("deception intended to result in financial gain") If this is fraudulent, should I report this as a crime? Mr P
  6. I think a small sign on the fence advising not to park on the bit of land may be needed but I'm not sure how effective it would be. A suggestion that has been talked about between myself and another neighbour is to place some kind of raised object on the strip of land to prevent a car pulling onto it. Even one of those metal posts maybe that can be leaned down or locked vertically? Mr P
  7. If the drive is blocked, local authority do have the power to issue a PCN. They have advised this. If a car is not on the drive it makes no difference. What about access to it? When their wing mirrors are scarped across the fence it does both mark the fence and their mirrors. I would like them just not to do it!
  8. I've no issues with people parking on the road, as I mentioned. The obstruction of my drive and the damage to my fence is the issue. I've no interest is causing any arguments or conflict. I've not said it's my neighbours, they all park fine.
  9. Hello Michael, the road is owned and maintained by the local authority Mr P
  10. Hi HB , When I look at the map from the land registry, the property boundary goes to the road, there isn't any marking to show the strip in question as being separate. Mr P
  11. Hi CAGgers, Help & advise needed on a parking issue. It has two parts to it. Background: My property has a drive way to the rear which connects directly to local authority maintained road/cul-de-sac. The boundary of the drive and road is marked by what can only be described as stones in the ground. The drive, stones and road are all on the same level (so no dropped kerb access) just an easy roll across the boundary to access. At the same time, parallel to the drive is my rear garden which has a fence on 3 sides. So the fence separates my drive and garden, the road and my garden and my neighbours drive and my garden. On the section where the road and garden meet, as mentioned they are separated by a fence. Running between the fence and the road is a small strip of land about 15-20 inches that appears to be a continuation of my drive. When you look from above, it looks like an L shape and it constructed of the same materials as the drive. The attachement of old pic shows the rear of the property and hopefully my description makes sense. The first part of my problem is that cars are parking with their wheels overhanging the stoned line and on this strip of land. It may sound petty but it annoys me for a few reasons. Mainly because cars that have parked on the section have scraped wing mirrors on our fence and it also leads to the second part of my issue. The second part is in relation to being able to access and exit the drive without needing to turn left off the drive to the end of the cul-de-sac, perform a multi-point turn then get out of the road. You may note that at the entrance to the drive there is a 45 degree angle to the fence which it there to enable easy turning on to and off from the drive. Cars that park on the strip of land invariably overhang the angled section meaning it becomes redundant (hence turning left off the drive instead of right for a direct exit). For the second part of my problem, I am in discussions with the local authority parking management people to see where I stand with regard to any obstruction as I'm hoping a PCN can be issued if the parking is deemed to be an obstruction of access. For the first part, the local authority have advised they do not own the land and so at this stage I'm assuming it is mine. So, how can I prove 100% its mine and that being the case, what are my rights and course of action for people parking on what would be my property? Private PCN? trespass? I would like to state that I am in no way wanting to stop people from parking parallel to my fence, as long as they do so on the road. I just want my access to be unrestricted and people not to park on my property. If the strip of land is mine I will also at some point have it resurface when the main drive is done. Advice and guidance would be greatly appreciated. Mr P
  12. Just to update - it turns out my wife didn't change the V5 details when we moved so the original PCN went the old address. Ironically it was about 10 days after our mail redirect expired. The new occupants passed any mail to our old neighbors who passed it on to us after we checked. So considering they had the wrong address originally and subsequently had to send a 2nd notice after checking where we did live, it is considered reasonable diligence. Subsequently my wife has since attended a driving awareness course Thanks all for you input.
  13. Hi there, Looking for advice on how to handle & respond to the following: Received NIP today 10th March 2016, the NIP was dated 9th March 2016 with the alleged offence occurring on 13th December 2015. Offence was 41 in a 30 zone. The wife was driving at the time. The wife has been the registered owner/keeper for about 4 yrs. The vehicle and plate have been registered at the current address for over 12 months. I've seen comments and advice about NIPs needing to be served within 14 days of the offence, which this is clearly outside, but what I wanted to know is what is my/wife's positon here, who should we write to and what should we say Many thanks in advance for any help Mr P
  14. Just an update on this - it came to nothing in the end as hoped/expected...no further action....I did however make it known my feelings on the reasons for the allegations!
  15. Hi Stu007, yes they are listed but unfortunately CQC do not deal with complaints or these types of problems. They only look at issues that they find upon inspection. As an aside the items being thrown over made me take more notice in what was occurring at the property and as such I observed things which I would consider to be poor care & supervision. Just for example a lit BBQ being left with only the vulnerable adults in attendance, one of the adults trying to smash a window with his elbow for about 10 minutes and no one coming to stop him. These observations were shared with the local authority & CQC but no action it appears is being taken. I did begin to question my sense of perceived acceptable levels of care - maybe they are too high!
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