Hi all, I have a issue with IRCAS not accepting my appeal. I managed to forget my wallet and ticket (with was valid) one day. When I got to Liverpool St I was duely issued with an unpaid penality fair and told to respond within 21 days. Which I did. I then dropped my orginal ticket in with the ticket office and got my refund. All was well - or so I thought. A month later I get template letter from IRCAS re: I owed them £50 for not appealing. I wote to them and told them I had done so and presumably the letter had gone walkabout in the post (sh*t happens). If they were of mind they could check on a system called TIMS (That my local station told me about - and that they should have access to) that my ticket was refunded with in the time they required and should be able to deduce that I had appealed also. They they replied saying they cannot change their process - etc etc and so I owe them £50. The letters back and fourth continue. I am now cosulting the passenger focus group for advice also. The way I see is that had a valid ticket; I've had it redunded; I've proven this to them - via a print out from their own TISM system that the local ticket office were able to given me. They're now starting to threaten to increase the fine! Anyone any suggestions? Many Thanks Martin

I have been chasing London Mortgage Co / Acenden for mis-sold PPI for about 4 year I was given same old reasons ie not regulated in 2003. Eventually I passed this to FOS. I have this morning received a letter from FOS informing me that underwriters have now agreed to accept responsibility for mis- selling. FOS will now look at cases again in order they were recieved.

I have been making regular agreed payments to clear an overdraft at HBOS for over two years. HBOS transferred the debt to Blair Oliver Scott (BOS) who then transferred it to BLS. On this transfer BOS wrote to me stating that the arrangements for payments would continue in the same way. BLS also wrote confirming this. In January BLS said they had not received the Dec payment. On presenting the next payment to the HBOS branch they told me the account I was paying into had been closed and they refused to take my payment and returned the payment I had made in December. On contacting BLS they confirmed the account details were correct. Eventually, I recieved a letter from Halifax Credit Operations saying they were transferring the matter to Drydent Fairfax. I contacted Dryden Fairfax and Halifax Credit Operations to say that I had made several attempts to make payments, but that these had not been accepted by HBOS Bank. I received an apology from HBOS who said the didnt know why the bank would not accept payment, but, provided me with a new account number. On presenting payment for this account number my HBOS bank refused to accept the payment as the account details were not for an HBOS account. I wrote back to HBOS with this information and received no reply. After three weeks I went to another larger HBOS branch to present the problem. After one hour, during which a Customer Services Representative said she did not know what the new account number referred to, but contacted HBOS Credit Operations. She told me that BOS had closed the account in September 2011. I pointed out that, first, BOS had written to me in August 2011 saying the arrangements would remain the same and that I need not do anything but continue making payments in the same way. She had no reply to this. She then told me that the account number supplied to me in writing by Halifax Credit Operations was, in fact, for a Lloyds Bank Account. She said she did not know why this was not stated in the letter I received. Finally, she said that Halifax Credit Operations would send me preprinted Giro slips to take to my local Lloyds Bank to make payments. Three weeks later, I received a letter from Halifax Credit Operations saying they were transferring my account to Robson Way for collection. At no time have I refused to make agreed payments to this account. I have now been transferred from Halifax, to BOS, to BLS, to Dryden Fairfax and now to Robson Way with correspondance that asserts that I have refused to make and conform to a repayment plan. Any help much appreciated.

Hi, I had a debt of £328 old council tax bill or something from 2003 that came back to haunt me. Philips got hold of it, put their fees on and said they wanted £110 a month. I told them that was impossible, I just couldn't afford it and offered them £50, they refused. I paid £100 after scrambling money together, but it was late, and hence they sent another bailiff round, and added on another £200! So I have kicked off and told them I just can't afford £100 every month, now they are saying I have to pay £240 a month, or £60 a week. I have written back asking where is the logic in doubling a payment plan that I couldn't afford in the first place. Can anyone help, they are saying if I want to pay £50 a month I can, but they'll still send bailiffs round and every time thats another £200 right? It seems crazy. Cheers Jay

We purchased some furniture 4 years ago from a large furniture retailer and it has developed a fault that they are unable to repair due to that line being discontinued. It has a 5 year structural guarantee but I am not sure whether we can also claim under the sales of goods act? They have offered us store credit of approx 50% of the original purchase price or a cash settlement of approx 12.5% of the original purchase price. Our preferred option would have been repair or replace as we do not have enough money available to spend the additional 50% required to buy new goods from the same store but as the supplier is not able to do this can we ask for the 50% store credit offer they have made us to be given in cash as this would increase our options considerably? Thanks in advance for your advice!