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Found 660 results

  1. Hi. Parked at a Southern railway rail station today and used the phone number to pay the daily charge . I had used it before but with a different car and the system recognised my phone number did a fast track to payment confirmation . I didn't spot that the registration number quoted by their system was not that of the car I was using today (lot of background noise in the car park). There was a penalty notice issued by Indigo when I returned. What are the chances of success if I appeal? I can prove that I own both cars and that the one for whom they issued the ticket was not there today (it's in a garage for repair). Any tips on how to phrase the appeal in such a case? Thanks
  2. Hi, I find myself in a difficult situation. I was diagnosed with sleep apnea 10 years ago and then issued with a cpap device. I was never told at the time by my Gp who referred me or by the hospital consultant that I had to report this directly to dvla. I assumed as it was controlled everything was ok. Recently I had an issue with sleep apnea being uncontrolled. my machine had a problem which has been replaced with one that wirelessly reports data to the hospital. They say sleep apnea is now controlled again. So far so good, again no mention of Dvla. Recently though going through a complaint with my GP (different matter) who referred me to the sleep clinic, its been said about reporting my condition to DVLA. Im now worried after 10 years of not reporting I'm in deep hot water. Any advice on how to tackle this? Im hearing horror stories of DVLA revoking licences etc. I will be ringing the sleep clinic at my hospital tomorrow to get some kind of evidence of my current machine readings to prove the condition is controlled.
  3. Have recently checked my credit file I have a default from British gas for £69 recorded at old address on 06/06/2015. I moved out of that address in September 2012! British gas were claiming at the time £69 disconnection fee for moving house so I paid them for energy usage and left it at that. Surely they default should of been recorded with in 6 months as 3 years is very wrong. If it was recorded correctly it would of or very soon drop off. I have gone through the complaints procedure with British gas and they claim the default is recorded correctly but they do not have any paperwork as they changed computer systems. I am awaiting the deadlock letter to progress this to the obudsmun. What are my chances with obudsmun?
  4. Myself and a friend entered into an AST in 2008 with a private landlord where I was the lead tenant. Our deposit was placed with the DPS. Although we had a good relationship with the landlord throughout the tenancy, when we gave notice to quit in 2011 he seemed to take the matter personally and started being very standoffish with us. On our moving out date, the landlord did not attend the property. When we called his phone to find out where he was, it rang with a foreign dial tone and the call was rejected, so he wasn't even in the country and decided to ignore us. We ended up posting the keys back through his letter box and were never properly checked out. Since the landlord had essentially absconded we did a stat dec and sent it off to the DPS to get our deposit back and assumed it would follow. A couple of days before we would have had it, the landlord opposed the stat dec and would not consent to ADR. This left it in limbo and our only remedy was to take court action. We mulled it over at the time and in the end made the stupid decision not to pursue him and put it down to experience. Eventually we got over the matter and I'd not given it any thought for several years. Until today when I moved into a new property which also used DPS and when I checked my account I found two tenancies were shown, and was amazed to find our old deposit from 2008 is still there, now with the status 'suspended pending review'. What is the legal position on this deposit now? Neither us nor the landlord can take civil action against each other as more than 6 years has gone by, but the money is still held with the DPS, and it is our money. Any chance of getting this back after all these years? And if not, what will eventually happen to it?
  5. Hi I have a question that I'm hoping someone may be able to answer. Some years ago I undertook a degree course with the University of Exeter. Unfortunately I was unable to complete the course but did do enough to claim a Cert of HE. However I had a disagreement with the uni about some fees 'owed' for a field trip and they refused to issue the certificate .... so now we arrive at today - more than 6 years later, when thinking of applying to the Open Uni, I contacted them to get official proof of credits and they still refuse citing the 6/7 year old debt as the reason. I mentioned that the debt would be statute barred by now but they still refused. So I have two questions: 1) Are they within their rights to do this considering the debt is technically/legally not owed anymore? 2) Its possible that i may be having to apply for a DRO in the near future. If i was to do this, and add this debt on to it (even though its now not owed, would they then have to issue the relevant certs/info? If anyone has any info/knowledge/advice they can share I would be most grateful Cheers
  6. I got into work today to be told that the company has received 2 complaints, and that they are suspending me on full pay whilst they are investigating the complaint. I think it all stems from a post I put on facebook.Here is the post:- So,a particular driver thinks my brother is talking all the time at Friar Lane does He?.Considering my brother cleans more buses than the other 2 cleaners,you are incorrect,and have failed to secure any brownie points.If you think you are clever being a grass, then read this......I am a bigger grass than you.You better be careful now, because I will be gunning after you.The slightest thing you do wrong, or fail to do, I will report you, and that includes failing to fill your defect card out correctly,or failing to record defects that I am aware of from previous days.BE WARNED,AND BE AFRAID. I can only guess that the 2 complaints are from the other 2 cleaners.any advice would be greatly appreciated.
  7. I am sorry if this isn't supposed to be in here but I just want to get a few ideas and thoughts on this. I lived in central London 2010/2011 and took lending stream loans out (as far as they are concerned as I can't remember not paying them back).. ..fast forward to 2018 (I moved in 2012 and then again 2016), PRA Group contacted me about a loan (£80 - which isn't the sum but the principle that bothers me). I called PRA group and launched an investigation and complaint and then called lending stream doing the same, disputing the debt as 1) I had not heard from them via email or phone and they confirmed they still had both on file 2) I do not believe these are my debts however in case they would be (it's such a long time ago), I'm disputing that they never gotten in touch with me sooner as they said they sold it to debt collectors in 2013, so why not get in touch with me for 2 years? I asked them for proof to show me they emailed or called me trying to get this debt back. However, what is my next step and how likely is this going to be that they'll keep chasing me? My point was that if they called me in 2011/2012 I would have just paid it, no one likes debts so why would I run from it, now I don't think this is mine and it's not an insane amount but the principle is that it's crazy and 7 years ago... Thanks for all the help!
  8. This is regarding my house sale which was sold at the end of April. I looked for an online conveyancing quote to keep costs to a minimum. I came across http://www.hbcconveyancing.co.uk/ i got a quick quote of £644. When i went ahead with my order i phoned up and asked about any other fees and if the coal report was included. I was told that price included all fees and its unlikely there will be any other charges. after the sale the total my lawyer took was just over £1200. £108 was for 2 chaps transfers, my request, so i got my money quicker. Its a long way off from the quote i got. What do you guys think here, does these charges seem normal or excessive. http://www.aaenpeach.com/ Aaen Peach Law are the solicitors linked to this online conveyancing mob, is there anything i can do apart from phone them up and moan at them? here is the quick quote i got here is a list below of the charges and fees legal fee ---------- £384 legal fee £54 chaps fee £54 payment of mandates and invoices on your behalf £54 £60 expidited completion, post and incidents £90 fee for acting on your behalf of your mortgage lender.... ------------------------------------------------- £12 transfre charge £60 Registration of Dischage of Standard Security £64 Registration of Advance Notice £108 completion and submission of registration documentation £170 property and legal entity multisearch £45 coal report £55 legal report £9 electronic identification verification per legal entity ------------------------------------------------- £54 transfer of redemption funds and charges and remittance
  9. Hi all, I'm hoping someone can advise, back in October I applied for a loan through Admiral but the application was unsuccessful. My credit score (i use Clearscore) went down this month with a note saying: What changed in July 2018 : Hard Search performed by Admiral Loans for Credit Application The October application is showing the exact same information - why would they simply perform another hard search without my consent? and is there anything i can do about it? Thank you H x
  10. Hi Not sure if this is the best part of the forum to post this but here goes. I have recently received the attached letter from Shoosmiths acting on behalf of Arrow Global (Guernsey) who have a debt that was originally with MBNA. The discounted settlement figure is for 60% of the total amount outstanding. A CCJ was awarded in 2011 for circa £12k Jan 2012 we relinquished our house to the mortgage company May 2012 Arrow went back to court to get the house added to the CCJ as I had defaulted on payments On the way way to court my (now ex) wife called to say the mortgage company had sold the house, the letter arrived in the post after I had set out. In the meeting with the judge and Arrows representative I explained what had happened but had no paperwork to back it up (an hour's bus ride each way would have made me late for the meeting) The judge duly gave them rights over the property and within 7 days I received another letter saying that we had sold the property without their permission. I replied stating both the judge and their representative had been made aware of the property sale at the meeting. I have heard nothing back from them since then. The CCJ no longer shows on my credit report. I do understand that the debt is still there but nearly six and a half years after their last correspondence this has come as a bit of a shock. I do not have any capital to pay off the figure requested, I own no assets of any worth and I have no disposable income. The further options they mention (Attachment of Earnings and/or Warrant of Control) have rattled me somewhat. What is the best response to the letter and what are the likely outcomes? Any advice would be much appreciated! Early Settlement Opportunity After CCJ.pdf
  11. I booked a hotel last week on Hotels.com. I found it a lot cheaper on another website, filled out the online form for a price guarantee and Hotels.com responded and confirmed they would match it. I was told that I should pay the hotel directly and then within 72 hours after check out I would be refunded.. I did all of this, on day of check out I contacted them and they said to wait a little longer. They then said that they would not do the price match as they could not verify it, I said I am not accepting that etc. They said they would but they said that my details are not matching (email or telephone number that I booked with). I am 100% sure that I booked with the details I have given them, plus I have email confirmations of my reservation going directly to my email that I have given, along with my phone number. They have told me that they cannot do anything without the correct details. I have provided screenshots etc but they are not having it. I think that hotels.com have changed my details so that I can not benefit from the price guarantee. Any idea what I should do? It is quite a bit of money that I am due back! Thanks!
  12. Hi, A friend has just called for some advice which unfortunately is well above my head. He has just accepted a new position in a company after stepping down from a Senior managerial role (for stress related and alleged bullying purposes) which is a downgrade but is the job he wants to do at this present time as he's not then directly working for the alleged bullying manager. He's looking for another job and has made no secret of this fact... His new line manager in the last few weeks has given him a new contract that states he now has to give 6 months notice if he wants to leave and for 12 months after that he cannot work for a list of companies deemed as competitors. As he works in a specialised industry, the company have specifically named any company where he could work and are in my opinion, restricting his trade if he was to leave.... Can they do this? He hasn't signed the new contract as he disagrees with it's contents.... Any help would be appreciated for him. Kind regards
  13. https://www.consumeractiongroup.co.uk/forum/showthread.php?421236-Rossendales-DCA-chasing-old-legal-aid-debt-**WON!!-revolked-cancelled** HELP PLEASE, Thanks for sharing your experience of dealing with Rossendale and Legal aid right through the end. It gives me HOPE about my same problem i'm experiencing at present. In my case, it is now been over 6 years since the end of my case when i was convicted of a crime in end of 2011. i received a surprise out of the blue capital contribution order of over 40k to be paid within 28 days. letter with legal aid heading on the left side and rossendales on the right head, signed at the end 'for and behalf of head of crime case management.......plus a separate letter from rossendales. legal aid was granted after assessing income etc at the time and i did not contribute anything. i was never made aware and had no knowledge of the amount granted or provided with the cost of fees from solicitors firm -if i knew the fees was going to be sky high i would have never got representation. i was unaware of any conditions to pay at a later date i understood it was a grant, not a repayable loan. my question is under the section 9 of statute barred limitation act 1980-after 6 years since the legal aid application, can legal aid agency enforce this debt on me? please help.......
  14. Hi, My husband rents a black taxi and I have just received a PCN dated 14th June for a contravention that occurred on 12 Feb! I am about to ring the taxi firm as I'm not 100% sure that he had this cab at the time (he has to swap them when they have to go in for repairs etc) but isn't 4 months a bit of a long time?? this is from TFL
  15. Discount retailer Poundworld has appointed administrators, putting 5,100 jobs at risk. The move came after talks with a potential buyer, R Capital, collapsed leaving Poundworld with no option other than administration. Poundworld, which serves two million customers a week from 335 stores, also trades under the Bargain Buys name. Administrators Deloitte stress the stores will continue to trade as normal with no redundancies at this time. https://www.bbc.co.uk/news/business-44436435
  16. Grave of D-Day army medic rededicated 74 years after his death READ MORE HERE: https://www.gov.uk/government/news/grave-of-d-day-army-medic-rededicated-74-years-after-his-death
  17. Just after a bit of advice. I have successfully defended a claim brought against me and at the end of the hearing I asked the Judge if I could submit financials for consideration. I was told I could claim £45 for a half day hearing attendance but no more. The case has actually cost me £1200 to defend (time off work, mileage, parking etc) which is of course a tad annoying. Seems unfair that I can be dragged through the civil legal system, win the case and be out of pocket. Is this normal?
  18. Hello, I am starting a new thread here after discovering some things on my credit record. The story is: In 2013 whilst I was a Vodafone UK mobile phone customer, a Vodafone phone agent advised me that if I purchased a call package which gave a discount to Intl calls made outwith the UK, this package would cover Russia, which was the country I was going to make calls from. When I returned from that trip in October 2013, I found a bill of £122, increased to £203.70 by Dec 2013. I even offered to pay some portion of the £122 in instalments and paid ~£15 per month as a goodwill gesture. But I still disputed the Russian call charges and said this constantly. I disputed this constantly from Oct 2013 by email and phone; I spoke with them over the phone several times from the end of 2013, emailed up until Feb 2014 and spoke with an agent called Jeff Phoenix from Vodafone UK by Dec 2013 and still no resolution from then. J Phoenix tried to bully me over the phone to accept everything. I emailed Vodafone and Fredrickson International, a debt collection agency hired by Vodafone UK, that this occurred a few days later after this phone discussion. I also exchanged email in Jan and Feb 2014 with Fredrickson International and Vodafone UK after the phone call as Vodafone did not respond to my communication. I told both Vodafone UK and Fredrickson I was going to contact Ofcom about this problem. Subsequently, I lost interest and did not contact Ofcom but I never heard anything back from either Vodafone UK of Fredrickson. And now looking through my credit record I see a default of £200 dated from 01 Jan 2014 even though I had email communication with Vodafone UK and Fredrickson from 10 Feb 2014. My questions are: 1) Is there some sort of redress I can get from Ofcom for the damage to my credit record? 2) What can be done with regards to the conduct of Jeff Phoenix? 3) Can I get these phone charges removed and my credit record cleaned, backdated to the time of the dispute? Thank you for your help in advance.
  19. Hi guys just wondering if some one could give me a bit of advise , i had my home repossessed 9 years ago , there was a shortfall when they sold it at auction . They haven`t bothered us for 9 years (halifax) then today i got a letter from the halifax saying they have passed the debt on to moorcroft dept recovery , i don`t really know what to do, we have not acknowledged this debt . and cant afford £20,000. any advise would be help full.
  20. Rogue pension and finance companies closed down after abusing millions of pounds READ MORE HERE: https://www.gov.uk/government/news/rogue-pension-and-finance-companies-closed-down-after-abusing-millions-of-pounds
  21. Evening Peeps, newbie here. I used to be a member a long time ago and found the info on here very helpful. So thankyou ! I have now got a clean bill of health on my credit score, but still owe debts to various DCA's. My question is - can a DCA still try and issue a CCJ, even after say 8 years of the original default account ( notice of default has been isssued ) - my accounts have ALL dropped of the various CRA's as they all defaulted many years ago ( over six years ago ) - I am still paying them via a DMP. To summarise all debts are over 8 years old now. And I am still paying them. They just dont appear on my Credit Reference Agencies. Are these debts still enforceable in a court of law ? Lets assume than none of the DCA's have the original CCA's ? Thanks for any info, will be much appreciated, but cannot find this information, having trawled the forums. Big love and respect ! x
  22. Hi, looking for some help please. Me and my wife purchased a Peugeot 207 on the 29/1/18 from a New and Used car dealer in Saxmundum near Ipswich .It was advertised on ebay as spares or repair so we contacted them to find out what problems it had, the dealer said we just put that on the advert as it has no warranty and selling on behalf of a customer, but it just needs 2 new tyres! After having the car for a few days we noticed something odd when accelerating from a cold start, the revs appear to drop for a second or so then go back to normal. We took the car back to the dealer and they said they could not find anything wrong as ECU did not show any errors ! After a another week we took it back telling them it was dangerous to move off from junctions if revs die, they still said nothing wrong and even blamed our driving as it has a electric clutch, but they replaced a hose as said was slightly split, but appear to make no difference. We now find it has a gearbox oil leak, we took it in on the 31/03/18 to have this repaired, on collection the dealer said he thought it was the clutch housing so they put mastic around it to stop the leak, he said may not last and would cost £500 to fix. Of course the oil leak is still present and have now lost patience with them and asking for a full refund which he has refused and said any further work will be chargeable. I plan to send the letter below with photos of the oil leak: Complaint about faulty goods On 29/01/2018 we purchased and took delivery of a used Peugeot 207 Registration ..... from you. We paid a total of £1000.00 on a debit card for the vehicle. We now find the vehicle has the following faults: Gear box oil leak and oil leak from engine, also revs drop when accelerating, more severe when cold engine. Under the Consumer Rights Act 2015 dealers must supplier goods fit for purpose and satisfactory quality. As there was a problem with the vehicle when we bought it, you are therefore in breach of contract. The vehicle was taken to yourselves on the 03/02/18 to fix the bad running when cold and on the 31/03/18 to fix the oil leak, but you have not been able to rectify either problem. We are now legally entitled to reject the vehicle and to be reimbursed for its full purchase price of £1000.00.I look forward to receiving this amount onto the debit card account that was used for the purchase within the next 14 days. I have attached photos of the oil leaks in support of my claim. The vehicle is now no longer in use. Please respond within 14 days of receiving this letter. Would it be best to send it by post or email it, i would need to email the photos of course. I have attached advert. Many Thanks CarAdvert.pdf
  23. Car parts boss banned after failing to deliver customers’ orders READ MORE HERE: https://www.gov.uk/government/news/car-parts-boss-banned-after-failing-to-deliver-customers-orders
  24. Hi guys Around 2 years ago, I asked Cabot for a CCA request for a loan i had. They said at the time that they couldnt find the documentation so it was not enforceable. Ive recently had a letter form them saying they have now found this CCA agreement and that the debt is now enforceable! Theyve sent me a reconsituted copy but im wondering if this is now a debt i have to pay? If you look at the scan ive added, it looks like the document is missing something, and also surely there would have been more than 1 page of t&c's?? Is there not a time limit that they have to provide me with the CCA or its not enforceable? i ve read they committed an offence but that doesnt really help me in this situation Anyone know if this is now a debt again? i cant find anything similar to this anywhere thanks Scan 1 copy.pdf
  25. Hi, I hope you lot can help as I've lurked here but only decided to sign up, I have GAD so this has honestly been keeping me up for the past 3 days. I bought a Corsa from a guy 20 miles away, I don't know if he was an actual trader or a private guy, he said he buys cars and resells them, I collected the car from his house and paid £2150 via bank transfer. Once getting home I only noticed he gave me the V5 full, rather than just the new keeper details. The problem is the registered keeper details don't show his name & address, it's the guy he bought the car from. Okay, so at this point I assume he just didn't register it in his name to avoid adding another keeper. HOWEVER, the section 9 aka 'yellow slip' is missing, is this a logbook loan or something? I rang him today and he said he's just posting the yellow slip and told me to fill in section 8 and just only sign my bit, and leave the registerekd keeper signature blank and they will process it as normal. I'm really scared as this is my first car, which he knew, and I feel like perhaps I've been [problem]med and about to loose my 2 years savings? My take on it is that he didn't register it to avoid adding another keeper, when I left he posted the section 9 / yellow slip to unregister the previous keeper so that I wouldn't need a signature when it arrives at DVLA? I mean I know nothing about all of this so I'm probably wrong, the interesting part is I thought the yellow one was for traders, and not someone who just buys/sells, I noticed this because I looked his name/company up on the company house and it's dissolved a few years back so surely he can't be a trader? Sorry for the wall of spam but at this point I can't even sleep, I feel like I'm waiting 4-6 weeks to hear back from DVLA saying I can't do this and that I've been [problem]med / a loan company sending a letter saying I owe them xyz.
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