Hi All, Here we go again, this time Quid Market. A little bit of background info first, loan taken out September 2013 due for repayment September 2013. Struggled to pay it back and as with all my creditors wrote to them advising them of my situation making an offer of a monthly payment that was affordable. Various emails back and forth, eventually I commence a monthly payment in February of this year. I make the monthly payments, to date I have made 5 monthly payments including one after the claim was issued. During this time i did receive a few emails asking me to pay more and when I was going to clear the account. I replied stating I was paying the most I could. I thought no more of it, I then receive an email from the legal department stating they could no longer accept my payment offer as I had not filled in the Income and expenditure form. I replied stating I had never been asked to fill one in, but I was happy to do so. Two days after replying to the email I receive another from the legal department stating a claim had been issued. details below Issue Date: 20th June 2014 Particulars of claim: Repayment of short term loan paid direct into the defendants bank account on 05/09/2013. Repayment due 30/09/2013, loan not repaid on due date by defendant as per loan agreement. Proactive written and telephone attempts to communicate with defendant has failed to achieve resolution, repayment or acceptable repayment plan. As per our loan agreement a daily rate of interest has been charged since default. Amount Claimed £384.44 + costs of £35.00 Acknowledgement of service filed 3rd July I intend to defend all of this claim. To be honest I was a bit miffed, can't understand why they would issue a claim when I'm making monthly payments, seems a bit naughty to me!

I am looking forward to take this case for claims against Better Bathrooms. So I need some help here at this forum to proceed with this matter. Its not always about money or myself, but I want them to realize how much pain a consumer bears due to their incompetent staff and unmanageable working practices. My bathroom work is all paused and therefore leaving me in a very troubled situation now. I placed an order in a BB (Better Bathrooms) store but even after 10 days of horrified experience, I didn't receive my order. I paid additional charges for next day delivery. But after a series of irresponsible events (like order was delivered to some other customer etc. etc.), they mentioned that some of the tiles I ordered are not in stock. So, I cancelled the order. Order was placed on Sat, 18th Oct 2014 for a next delivery at store in Slough. Order was paid upfront along with additional amount of around £50 for next delivery. As part of next day delivery commitment, order for tiles was committed to be delivered on Tue 21st Oct 2014. But it didn't arrive. I went to better bathrooms store in Slough same day (21st Oct) in the evening. I was committed by customer service and sales representatives that it will be delivered by Thur 23rd Oct 2014 and the next day amount will be returned. But no goods delivered and neither the next day delivery amount was returned. On Fri 24th Oct 2014, I kept on chasing for the order calling customer services and courier offices about the update on delivery of tiles. But not until the end of day it was found that the order was delivered to a wrong address in Surrey. On Sat 25th Oct 2014, I spoke with Sales Manager in the store who assured by the delivery by Tue, 28th Oct 2014. Again due to mismanaged operations from Better Bathrooms, the order did not arrive. I kept on chasing for this whole day. The store manager called again on 28th mentioning the order will be delivered Wed, 29th Oct 2014. While I was chasing courier company, they mentioned that they are not sure where the order is at the moment. We again went to store asking the manager about what's actually happening. I was told that they are still trying to search where the order is. Forcing the manager about the severity of situation, he raised a fresh order. But the same night, I was mentioned that there are not enough wall tiles in stock. So I cancelled the order.

Hi guys, I wonder if anyone can help.... I moved out of my property some 4 years ago but rented it out and I'm now selling it. As part of the buyers checks, and my solicitors checks, I apparently have a bankruptcy petition against me and my solicitors want to know if this has been discharged. "We have noted on the Office Copies of the above property that there is a Bankcruptcy Notice dated 23 May 2012. Please can you provide us with more information of this notice and confirm details of who the trustee in bankruptcy is. Please can you also confirm if you have now been discharged from this notice?" I know nothing about this at all. I'm not bankrupt on the Insolvency Register and I've not been personally served anything, I wasn't living at that address (although I do own it). I don't know what this means! Am I bankrupt?? How do I get rid of this petition so I can sell the property? Help!

I have taken a lettings agency that let my property to the small claims court and have received a judgement as they defaulted and did not reply to the summons. The judgement was mailed to them on August 3, so they have received it by now. I have sent a polite but firm email requesting payment in full within the next 7 days, but I'm anticipating that they will ignore this. The next potential step is enforcement via a third party debt order, but it states in the instructions that I must appear in person at the court when this goes to the judge. I'm resident in the USA, so this isn't practical. Does anyone know whether this can be done by Skype?? If it can't then what type of enforcement would be best? Would appreciate any help and advice - thanks in advance!

Evening All I am considering legal action against my bank. I would like to know if during the legal process, they have the right to withdraw my bank account facilities? I know they can do as per T&Cs as appropriate but i remember reading somewhere they cant do it while I we are going through mediation etc ?

Hi all. There is a whole long story but to cut the story short, I sent a company 3 correspondence. The last 2 correspondences contained invoices for my time. After nearly a month of no response, I decided to take them to the small claims. Instantly a director has responded to me by email and says they will not be paying those invoices. After a number of email exchanges and me repeatedly asking if the company had received my invoices, he finally said they did not receive my correspondence and warned me to drop the case against them otherwise it would result in costs to me! I have a certificate of posting for all correspondences and invoices. In court would a judge say that it is possible that the company did not receive the correspondence and hence invalidate my claim?

Hi fellow Caggers . . . i've just had a chat to a couple of friends who run a digital print company and it appears that when 'Old Co' was going through troubles they had a couple of suppliers taking them to court. In the meantime they had decided to stay in print and started 'New Co' . . . at some point between the two dates, judgement was given to the suppliers and CCJ's were given but have been placed on the books of New Co. At the time of the cases New Co wasn't even trading and as it is a legal entity in its own right is this legal? Can they have the CCJ's on New Co set aside or expunged? I'm guessing here, but is this an error of the courts? and as such it is at their cost to expunge/delete these? Thanks in advance guys . . .

I've just received a £100 penalty charge notice from Parking Eye for parking at the Marriott Hotel Waltham Abbey. The signs were very clear and I therefore paid my £3 charge for the allotted time. I don't understand why I received a notice - I paid my money and parked within the time constraints. Parking Eye do not issue you with a pay and display print out ticket so how can I prove I paid the money??? Any replies would be grateful please.

House of Lords votes against Grayling’s plans to restrict judicial review access The justice secretary, Chris Grayling, has suffered a defeat in a key House of Lords vote on his plans to curtail access to judicial review, which would have made it harder to challenge government decisions in court. More Here: http://www.theguardian.com/politics/2014/oct/27/house-of-lords-defeat-chris-grayling-judicial-review-plan?CMP=twt_gu

My Friend has found themselves in a large spot of bother and I decided to try a post here for some advice of what can be done to help him out. He is being seriously harassed and rather embarrassed by an Italian National who is 'hiding' in Italy. From what I understand, my friend runs a Computer Game Server where this Italian Gent got himself banned for reasons that don't concern or interest me (and that I don't actually know either). What I do know is that this chap keeps posting my friends personal details into the public domain without his consent. Repeated attempts to Ban Evade his gaming server. However last night was the final straw. He was woken up at 02:45 to find Dominos Pizza at his door with £130 worth of Food which he hadn't ordered or paid for. They were less than impressed. My continued concern is that this will get much more serious with something like Identity Fraud. If this guy will send pizzas at nearly 3AM to the tune of £130.00 I fear this is only the beginning. I have told my friend he should now involve the Police immediately. There are several ongoing issues including email harassment etc. I would be lying if I said I thought Debt Collectors were still worse at it. But with the person responsible outside of UK Jurisdiction, is there some from of European Harassment Order that can be placed on this chap to cease and desist immediately? I have suggested he speaks to the CAB, but in the West Country they aren't exactly that helpful. Has anyone been in this situation or knows where I could seek advice for him. He just wants it to stop and the :evil: is not relenting by any stretch of the imagination! Thanks all

Got issued with a CCMCC, with court fees and sol costs. Called up original creditor and paid the original sum excluding the fees. Do i need to pay the fees? I called up the sol involved and told them I have paid the original amount. They said they still intend to go to court to get the fees. Is this correct?

Back story I have a 3 year old car, purchased when it was one year old from a franchise dealer. The car was £32,800 and £47,500 new and is a high caliber manufacturer. During the 22 months ownership I have suffered considerable levels of defects with the goods which have been fixed under warranty. As the warranty expired 7 weeks ago, the dealer will not pay for the most recent fault, refuse to diagnose the fault fully and only under duress offered to raise a "goodwill" case with the manufacturer. Normally in these good will cases, the customer is required to make a "contribution". The current fault costing £650.00 is not wear and tear and may not also cure a current drive line related query with the car. Action I was advised to call the consumer helpline, who advised me that I have rights under the sale of goods act 1979 and that I should write to them explaining my rights to goods which are free from reasonable defects in relation to age and mileage. I have written to the dealer, and requested repair, refund or exchange. The consumer helpline told me the manufacturer are not directly at fault in this case as I do not have contract with them. Advice I was told that I have rights under the limitations act 1990 for 6 years and as a result of the extensive repairs and visits and consequential losses I would be within my rights to raise the concern. Someone then told me that Sale of Goods act does not apply to a used car purchased from a main dealer franchise because it should be my risk. However that is contrary to consumer helpline advice. Help Are you able to offer any guidance if the franchise rudely tell me to go away. My friend has upset me saying that they will shoot down anything to do with law and say sod off. This will hurt my feelings greatly. Summary of faults during 22,000 miles and 3 year old high brand value car. Actual/Perceived Losses in 23 months 64 days lost ownership. Vehicle being repaired. 22 non-service related visits to dealer franchise networks. 6/8 visits to non-local franchise network totaling 528 miles. 20 approximate hours on research, attention and telephone calls. Stress related anxiety for 12 months. 4 missed business appointments. Train, hire car and fuel costs. 22 Visits to the dealer network in 23 months Interface computer and navigation random failure. Engine Mounts. Gearbox. Engine Vibration issue unresolved, diagnosed or notification in writing of explanation. Creaking trim. Trim Rattles. Dirt in instrument cluster. Seat Rattle. Seat Creaks. Noise from the brakes. Buckled wheels. Misaligned panels. Drive line click sound. Cracked Suspension bush. Dealer broke the brake sensor when replacing brakes. Dealer sold car with brakes that required replacing. Warranty replacements in 23 months Engine Mounts. Gearbox. Trim felting. Seat felting. Seat-back repairs x 2 Gearbox. Instrument cluster.

In June, I initiated a formal complaint with Virgin Media as they came and installed a media cable onto my property without my requesting it (eg they basically came to the wrong address!). In doing so, they drilled several holes in my front garden wall, damaged a plant, etc. Whilst they have since returned (after I brought the mistake to their attention) and removed the cable, I still expect them to restore my front wall (which is fairly new) to its original condition and pay compensation for the inconvenience, recorded delivery, phone calls, etc. Despite an exchange of letters in which they claim to have repaired the wall they have failed to do this and have also said they don't believe they are liable for any of my expenses! I contacted the CAB who advised me to contact the Comms Ombudsmen (which I did), only to be told that Virgin are not covered by them. They put me on to CISAS, but it appears I can only use them if I am a customer of Virgin (which I am not). I'm running out of ideas on how I should proceed now. I even tried raising it with the Police as I believe it constitutes criminal damage, but they didn't seem to share my view. Any advice on how I can get this matter resolved? Is it time to appoint a solicitor?

I am currently an NRAM account holder, with a together mortgage comprising a £98,000 mortgage and £18,000 unsecured loan. I have not missed any payments or been late, but I have breached my mortgage t & cs by letting the property without their consent. I asked for it and they refused, back while they were still Northern Rock. I have already posted about this so I won't go into the same details here; only to set the background for this post. I am concerned with the fact since their recent government directive to get the 'bad' debts off their books they are working on a different incentive basis than other mortgage companies. NRAM need to make anything over 10p to the £ to get a profit, (for that is how much of the value was passed on to them) so they do not have the same aversion to instigating repossessions as other lenders do, not to mention complete disregard of the cost to the individual or business. My issue is not with the fact I do not want to pay what I owe, nor with my poor decision of getting this mortgage in the first place. I accept that and have been paying without fail for 9 years. So when they find me in breach of my mortgage terms & conditions their aim will be to instigate a repossession. Not to reach a solution that is best for me and them, in regard to maximizing their profit. Not being driven by this fact, like other mortgage lenders, puts all NRAM account holders in an extremely vulnerable position. The goal and they want us off their books, that and nothing else. Irrespective of whether this was a good or bad mortgage, the terms and conditions on their part, and the expectations on my part, made by signing with Northern Rock, a mortgage company in 2007, are not the ones I'm faced with now. I am not trying to justify the fact that I have broken my terms, or shirk my responsibility for the choice of mortgage and money owed. But to say that when I took out the mortgage, I was under the (mistaken) expectation that I would forever be dealing with mortgage lender, with all the common incentives that come with that; I want to keep my house, they want to get their money back. That I fear is not the case anymore. We are now simply numbers on a spreadsheet and the odds are stacked. There is nothing right or fair about this; and plenty of other NRAM account holders are facing starker and greater financial issues than me. Many are castigated for their choice in the first place, which is not only unhelpful, but in my opinion missing the point. No one is asking for special treatment than any other person who holds a mortgage. But we bought a product with the expectations that we would have the same benefits afforded to all mortgage holders for the life of that product. NRAM are not a mortgage provider. They are an organization that hold 'bad" debt. Equally I have an issue with the term "bad" for there are plenty like me, who have never defaulted but will be faced with repossession on other reasons. They are bad, because they want to get rid of us and shut NRAM down. By no longer requiring NRAM, a continued reminder of a massive economic disaster, the economic policy will be hailed as a success and the bad old days behind us. Whereas other mortgage companies would help people if they got into temporary difficulties NRAM will not, causing the debt to therefore be "bad". Being the contributor, if not, the instigator, of this viscious circle gets them their favored result much quicker - sell the debt to management company, still make a profit and get it off their balance sheet - success.. All I would like is to be treated the same as any other mortgage provider would. I heard today of various people wanting to bring together a group of account holders who wish to fight NRAM and their practices, 100 is the minimum required. I have signed up. It is being led by bank specialist who is willing to fight it on the behalf of the group for free if we can get enough NRAM customers on board. If you are interested please let me know and I'll pass your details on to him.

I appealed against an "illegal invoice" as I call them, back in April.Excel parking ,Canal street Nottingham.I asked for loads of documents like who is the landowner, Excels contract with the landowner, a pre estimate of Excels losses etc.They never came up with anything.They also failed to come up with proof of their losses to POPLA. the Reference No. is 2561654014.The assessor was Farah Ahmad, who stated quote:- "It is necessary for the operator to provide an explanation as to how this sum was arrived at as an estimate of the damage which could be caused by the appellants alleged breach.However,the operator has not provided a breakdown of costs under each head of claim.I am unable to see how the parking charge amount has been calculated.In addition,the operator has included "Central Payments Office(CPO) Indirect Overheads".I do not accept that these costs have been incurred as a direct result of the appellants breach.As the operator has not produced a breakdown of costs,I am unable to determine the proportion of these costs in relation to the other heads of claim listed by the operator.On this occasion,I am not satisfied that the operator has discharged the durden.In consideration of all the evidence before me, I find that the operator has failed to prove that the parking charge amount was agenuine pre estimate of loss.Accordingly,this appeal must be allowed".Unquote..............That makes it 33-0 to me.Not all my tickets.I do them for drivers at work, family, friends etc.

Hi Guys, Basically on 21/05/2014 I was in slow moving traffic and slowly "edged" and I mean "edged" into the car in front of me. When we both got out it was literally number plate to number plate and not even a single scratch on her car. She agreed with me that there was no damage and that she wasn't going to do anything about it, at this point I didn't even think it necessary to take pictures and I was already late for a client so I drove off. About a 6 weeks later my insurance company called and told me there had been a claim against me. This was the only thing I could think of. I rang her (as we exchanged details anyway) and she said her boot wasn't opening when she got home and she now has whiplash. This 100% cannot be correct from the speed I bumped into her at. My insurance company then told me her whole back bumper is damaged and all the metal framework inside is ruined. This cannot be true and I think it is a "crash for cash" or just someone trying to haggle some money out of me.... My insurance were going to pursue it but when the whiplash was filed apparently there wasn't much more they could do because how can you prove whiplash?! Any help would be muchly appreciated as my insurance premiums have soared! and my NCD gone.... Thanks in advance guys.

Brief back story: In 2013, whilst on maternity leave, I raised concerns about how my line manager was treating me. Subsequently, my employer initiated a swift redundancy process, and within a month had made me redundant without notice and whilst still on maternity leave. The employer retained my maternity cover worker. I represented myself at an employment tribunal in Jan 2014; an Employment Judge judged that I was unfairly dismissed and treated unfavourably by my employer to section 18 of the Equality Act 2010. The employer was ordered to pay my notice pay, compensation for unfair dismissal and compensation for injury to feelings, amounting to around £8,000 in total. The establishment is named on the order rather than the names of trustees. The employers are a small registered charity, a playgroup, managed as an unincorporated trustee body. The members of the trustee body change frequently. They operate out of rented premises and they don’t have much by way of assets. At the tribunal the employer presented bank statements attempting to show that they have ‘no money’. However, the Judge noted that the statements showed money was being moved around between several accounts. The employer has engaged a solicitor who in short says the employer has no assets and no money and that the trustees are not financially liable for the debts. The solicitor has rejected a payment plan of £150 per month and a without prejudice settlement offer of £6,500. The solicitor has advised that they can only make payments of £50 per month. The employer has paid the notice pay one made one late payment of £50. A County Court Order has since been issued for the full award plus interest to date. I haven’t engaged a HCEO yet although I did enquire and they advised me that bank accounts were protected. Please could colleagues here advise me on the best approach in going forward? I’ve included as much relevant detail as I can here but please just ask if there is something that needs clarifying. Thank you for all your help.

I am not sure where I stand with my car insurance - I had an accident 6+ months back where other driver admitted liability and my insurance was then dealing with recovering the money they have paid out as a result. I have now checked my policy online and seen that the status of that claim now says - it has been registered against me (previously said in my favour) as I was not at fault. Do I need to get involved with other insurance to chase it up as I am worried it will impact my insurance premiums going forward for an accident that was not my fault being recorded against me?

Hi, everyone! I'm new on here......and not sure if this is the correct place to post this question but here goes. I wanted to know if anyone knows if there is a time limit on complaining against a certificated bailiff with a Form 4? And if there is it is it possible to sue the bailiff directly? Through county court?

Hi, My son has recently been having issues with gas supplier, despite constant emails and letters to them, they've not responded or come to fix his gas meter. He can't phone them due to suffering with nerves and anxiety. He gets really panicky on a phone, and it causes breathing issues. He has explained this, but still no reply. For some reason, which to be honest I can't figure out, he decided to see what the usual time for a response is at other types of shop. So he emailed a complaint to 2 different high street stores, one cafe, and an internet only site. He emailed a false complaint, to see how quickly people would reply to him to see if he was being unreasonable expecting a quicker response from his gas supplier. He got an email back from one of them, wanting more info, which he made up and gave them. Now an issue he made up, is being investigated. His plan was to wait for them to get in touch again, and then explain his situation that he was investigating average response times to complaints. But I'm worried he's actually going to get himself in trouble for the lies. Is there a legal issue here, or is it just a nuisance complaint? either way, I'm making him email them now to explain but want to know if there's any legal issues that present themselves or if it's something stores deal with often, and just gets brushed aside as a waste of time. Thanks for understanding

Hello, My Partner has had a statutory demand served against his company. The Judgment to which the statutory demand relates to is currently being appealed. The Appeal hearing is not until 8th July though and we have until Monday 3rd June to put a stop to the statutory Demand. It should be noted that we did actually request in the appeal that there be a stay of execution on the Judgment, however we have nothing formal from the Court yet in this regard because the hearing is not until July. The help I need though is confirmation of the correct form to use to set aside/ obtain an injunction on the statutory demand against a Ltd company as I understand it is different to when it is an individual. At the moment im looking at forms 6.4 and 6.5. Do they relate to companies or individuals? Any advice is appreciated! Thanks

Hi Dear, good day 2 u. Hope you are all well. I am sure with your expertise i will be able to make further inroads against FOS adjudicator's appeal on this matter. I am hoping you can assist and advise me on this to make a final decision to appeal against the FOS decision on accept their £150 offer. Kindly pls c below letter from FOS: * Dear Mr Tom, your complaint about Barclays Bank Plc Thank you for talking to me today. As promised, l am writing to set out my understanding of your complaint and to let you know where I am with it. my role and how our service works l am here to give an independent opinion on your complaint. That means that l will look at everything that you and Barclays' send us, weigh up what has happened and then offer my own opinion on how l think this complaint should be resolved. my understanding of your complaint From your correspondence, this complaint is about the problems that you have had after Barclays closed your account and registered information to the CIFAS database following you falling victim to a job [problem]. You told me that Barclays delays in removing the information recorded on the CIFAS database caused you significant distress and inconvenience and that you have had problems with trying to open a current account since. my thoughts Barclays has confirmed that it removed the all information that it recorded to Credit Industry Fraud Avoidance System (CIFAS) was removed on 10 February 2014. Barclays has said that this is the only information that it recorded about your account to this (or indeed any) agency as a result of the account closure. l cannot say why you are still having problems obtaining a current account from another company as Barclays has removed the information that it recorded to CIFAS and as far as far as I can see your credit file remains clear of any involvement by Barclays. However, Barclays accepts that it is clear that this marker was still showing for roughly a month longer than it should have been and that this caused you significant problems. what Barclays has offered In view of the delays, Barclays would like to offer further compensation to fully settle the complaint. Barclays has offered to: Pay you a further £I50 to acknowledge the distress and inconvenience that it has caused (bringing the total offered to £300). At this stage, I think that this is a reasonable offer. However, l would welcome your comments. If you accept the offer, please sign the enclosed settlement form and return it to me. On the other hand, if you do not feel able to accept the offer, please let me know, so that l can consider any further points. " In our leaflet, your complaint and the ombudsman, we explain about your right to ask the ombudsman to review your complaint — as the final stage in our process. l look forward to hearing from you as soon as possible — and in any event by 30th May 20I4. Please let me know now if you plan to reply fully but do not think you will be able to meet that deadline. Yours sincerely *end The FOS guy called me on this Wednesday and ask me what amount of compensation/level I was looking for... to which I said I do not know...whilst discussing about the complain. Today I receive this letter/offer from them. I had made an appeal against Barclays offer of £150 because I knew they were getting away with it. And justifying my reasons as below when appealing FOS. ** Below are some of reasons I had gone to the FOS: 1) the maladministration and negligence of the misplacement of my important letters (royal mail deliveries), after it had been signed for and received by the Barclays personnel as indicated by the tracking receipts, 2) The excessive delay and length of time it had taken Barclays to remove my CIFAS; it was only removed on February 2014 and final confirmation received on 9th March; when all information was received and available for the team at Barclays on 03rd January, 3) Prior to CIFAS entry in 2013, I had been successful in opening a current & savings a/c with Barclays, with my previous reputation as a consumer in 2013. This in fact, after I had been abroad for a long time and not been operating any a/c's in UK for almost 10 years. And now, my difficulty in opening a current a/c or business, even after the CIFAS had been removed on XXXXX Feb (my latest refusal of current a/c on XXXXX February), is proving that my reputation as a Consumer has been badly tarnished and damaged compared to the Consumer reputation before CIFAS entry, (looking at my credit file I have NO adverse credit history.. as i had been from away from the UK for almost 10 years.. and on the closed barclays a/c on creditfile.. it says 0.. 'zero' .. which means the a/c has been closed successfully). Though to this day I have not been able open a/c current a/c with facilities.) 4) The amount of time (almost 65 -75 hours) and effort, I have spent on painstakingly putting together and drafting documents to Barclays bank through internet researching, public forums discussions, getting lawful advice, analysis and thinking on how to best handle this issue when dealing with Barclays. 5) The amount expenses I have incurred through this process in royal mail signed for deliveries, almost 17-25 expensive telephone calls, scanning, emailing and faxing cost of documents that was sent to Barclays. If not for my persistent calls to the Barclays support team during January, I would not been been able to bring this matter to what it is now. Only when my phone calls had raised my case to a level 3 status, I did receive a feedback from Toby on 08th Feb. 6) Loss of revenues, because I had not been able to operate a current or business a/c with my Forever Living Products International Distributors License over the last two and half months, due to the initiation of the CIFAS by Barclays. Pls see attached distribution licence document & purchase receipts. ( Also when i sopke to the FOS guy today... he said loss of opportunity with my business can cannot be taken into a/con this appeal) 7) The pain and suffering that has resulted from this extremely difficult process has been very difficult to deal with and I'm still reeling from the damage caused to me as a consumer. My suffering has been sufficiently admitted and addressed by Barclays, by their very own 'Regulated Poor Service' delivery in their correspondence to me. I have attached these letters for your attention. Therefore I have been unable to accept their level of offer of compensation and feel badly affected by the damage caused to my reputation as a Consumer. ** What is your take on this and advise on it? should I go further? I know you have a lot of experience on these matters. If I am appealing how I can make it the appeal a better one , thus I will be able to be better compensate. Pls advise. Here Below is the original appeal that I made against Barclays at FOS: ** On XXXXXXXXX my Barclays bank current & savings accounts got closed.. without any notice or a request of any clarification from the consumer (me) on the matter of concern. Following this, I had applied for a current a/c at Halifax XXXXXXX and the application was rejected. Its only then I came to realise that Barclays had initiated a CIFAS entry. After a few days of shocks and upon speaking to my colleague and to the police officer (on the reception) at XXXXXX police station, I decided to clear my name. My friend on (XXXXXX) advised me to report the issue to the bank. I then drew up an informative document and met the Staff at XXXXX Barclays Branch on (XXXXXX) around 3.15 pm. The staff member had then contacted the customer support at Barclays and explained the situation and the available proof of documents on hand. I then decided to pursue the matter further with Barclays complaints team in writing. I also lodged a complaint with actionfraud.uk and was presented with a reference number which was disclosed to Barclays. I wrote to The Customer Relationship Manager at XXXXX processing Centre on XXXXX Dec and presented him with all the information I had. Letter and documents sent to the bank were sent on royal mail signed for 1st class service. The Bank then wrote back to me on XXXX 2014. mentioning the case was closed and requested more information if bank was to remove the CIFAS that had been initiated. I then on XXXXXX 2014, sent them further information and the money transfer receipts that was requested. By XXXXX, I still had not received any update and no further action had been taken on this, even though the documents had been signed & received by Barclays on 8th Jan. Alarmed, I call the support team on XXXXXXXX, and had requested them the case (XXXXXXXX) to be re-opened & escalated, which they did so. Shocked again.. to see no further action had been taken as of 8.10 am on XXXXXX 2014, I wrote to XXXXX again and sent him copy of alI correspondence that I had sent him on 6th of Jan through royal mail signed for 1st class. Still no response. Not even a phone call with an update. Expecting a response from Barclays, I kept calling the Barclays support team again and again, to see whether anything has been done about the CIFAS entry, because by now I had supplied all evidence they had requested. On the phone, whenever I called, the support team kept telling me, that they were waiting for someone to work on the case. I asked them whether they can confirm receipt, of my last two recorded deliveries,to which I was told, that 'they may have received it by now and that these were in the process to be scanned into their support system'. I felt something was not right here... thus kept digging. The royal mail tracking confirmed that both set of letters & documents had been signed & received, by the Barclays personnel on 08th Jan and 16th Jan respectively. Thus as pointed above, Barclays had received them, though nothing had been done about it, because they couldn’t find these documents. It had been lost or displaced by maladministration and negligence by Barclays. Subsequently, the above fact was admitted and confirmed by Senior Case Manager at Barclays on 8th Feb 2014, because he had explained what had happened and requested me a copy of the both the letters on email and proof of royal mail posting on fax. He admitted and apologized for the above negligence and delay on my matter. I had then sent him both letters (sent on 06 Jan & 15 Jan respectively), and proof of both royal mail tracking receipts for these. I did these on the same day. Subsequently the CIFAS was removed on 10th Feb. I thought things would be 'ok' by now, but only got awoken up again. During the time of CIFAS and after the removal of it, I had applied to XXXXX (once during CIFAS) and XXXXXX (once during CIFAS) and (once after CIFAS removed on XXXX Feb) to open a current/business a/c to operate my business of XXXXX products license. I had been trying to open a current a/c or business a/cto set up this business as sole trader since the Barclays a/c closure, and had been experiencing difficulties in opening one due to to the CIFAS. By now the whole affair with Barclays had become very wearisome and I once again had raised all these concerns [inability to open a current a/c due to side effects of the CIFAS even after its removal], with XXXX where he had assured earlier on, that he will look into if I had any issues with rejection a current a/c opening and requested that I would notify if such was the case. On XXXX Feb my application for a current a/c at XXXX was turned down. And I did report the matter to XXXX and had asked him to take remedial actions to solve this recurring 'turned downs'. After further telephone conversations and email correspondences, I finally received a page of letter of 'pathetic nature' (apologies for my language here)as below along with a cheque for £150 from Barclays on dated XXXXXXXth Feb. I wish to bring to your notice here, that on this instance of correspondence from Barclays dated XXXX, I ONLY RECEIVED the above 2 items(1 single page letter & cheque was received) and no mention of any other issues had been raised with Toby had been addressed. I was very very upset about this final response and was unable to accept, the offer/final decision from Barclays on this matter. I immediately drew up my dissatisfaction of this decision and notified Senior Case Manager at Barclays on email on XXXX March (as below) along with proof of my purchase of the XXXX Products License to make them understand the issues I had been facing because of the CIFAS initiation. I then sent a copy of the email & along with license, to XXXX, on the same day through royal mail signed for delivery, 03rd March for a further review of their final decision on this matter. I received a response from Barclays on this on XXXX, 1) with one letter dated 11) and copy of another 2 page letter 'providing explanation of CIFAS and other concerns raised', which I should have received [but which I did not receive] on 20th March, along with the letter & cheque I had received. Thus once again only upon my complaint on 03rd March, I had then received the detailed explanation of CIFAS removal. I have been very concerned all along, with the service that I had been receiving from Barclays, ever since the my a/c's closure incident, and it had proved to be right. Right from the start I intuitively felt alarm bells ringing. 1) the maladministration and negligence of the misplacement of my important letters (royal mail deliveries), after it had been signed for and received by the Barclays personnel as indicated by the tracking receipts, 2) The excessive delay and length of time it had taken Barclays to remove my CIFAS; it was only removed on 10th February and final confirmation received on 9th March; when all information was received and available for the team at Barclays on 8th January, 3) Prior to CIFAS entry in 2013, I had been successful in opening a current & savings a/c with Barclays, with my previous reputation as a consumer in 2013. This in fact, after I had been abroad for a long time and not been operating any a/c's in UK for almost 10 years. And now, my difficulty in opening a current a/c or business, even after the CIFAS had been removed on XXXX Feb (my latest refusal of XXXX current a/c on XXXXX February), is proving that my reputation as a Consumer has been badly tarnished and damaged compared to the Consumer reputation before CIFAS entry, 4) The amount of time (almost 65 -75 hours) and effort, I have spent on painstakingly putting together and drafting documents to Barclays bank through internet researching, public forums discussions, getting lawful advice, analysis and thinking on how to best handle this issue when dealing with Barclays. 5) The amount expenses I have incurred through this process in royal mail signed for deliveries, almost 17-25 expensive telephone calls, scanning, emailing and faxing cost of documents that was sent to Barclays. If not for my persistent calls to the Barclays support team during January, I would not been been able to bring this matter to what it is now. Only when my phone calls had raised my case to a level 3 status, I did receive a feedback from Toby on 08th Feb. 6) Loss of revenues, because I had not been able to operate a current or business a/c with my Products License over the last two and half months, due to the initiation of the CIFAS by Barclays. Pls see attached distribution licence document & purchase receipts. 7) The pain and suffering that has resulted from this extremely difficult process has been very difficult to deal with and I'm still reeling from the damage caused to me as a consumer. My suffering has been sufficiently admitted and addressed by Barclays, by their very own 'Regulated Poor Service' delivery in their correspondence to me. I have attached these letters for your attention. Therefore I have been unable to accept their level of offer of compensation and feel badly affected by the damage caused to my reputation as a Consumer. Thus I have reach out to you find rightful justice on this matter. I am confident a justified solution can be reached through you, both in compensation and a repair of my reputation as a consumer that which existed, prior to the CIFAS entry. I am looking forward to your PROMPT solution and reply. Thank you. **end of letter to FOS ** PLS HELP. Tks tom

hello there my dad and his wife have recently split up and she is moving to spain with her new partner. while they were married for 30 years his wife accumulated £25k debt which has been charged against the house five years ago. all the debt was in his wife's name will he be liable for the debt now if he sells the house? she has said she wants no money from the sale of the house but also confirms she wont be paying the charges against the house? this is all new to both my dad and I and don't know who to speak to or what to do. any advice would be greatly received thanks.

The other day myself and 2 colleagues were shopping and as we left the store one of us got stopped and it transpires she had stolen a packet of sweets. She claims she wasn't taken into an office and was dealt with in the shop floor. The police were not called but the store manager said he would inform our employer as he had a duty of care due to the hysterical state she was in. The security guard also allegedly stated that he knew all 3 of us had been taking things. The next day we were all summons to head office as the sore manager had phoned our employer and all 3 of us are now been investigated for gross misconduct as we gave brought the companies name into disrepute. I think this is slanderous and possibly a breech of data protection as myself and another college I did not get caught stealing. They got our names after bulling my colleague who was caught by saying they had an a tip off from another colleague that we were always talking things. Obviously this is not true. Can anyone advise please on why the shop had the right to inform our employer without any proof

I was making a delivery on a single yellow line. i received the pcn. I wrote back to redbridge council explaining this and they refused saying i have to appeal to the adjudicator. I did this sending them my contract of employment and letter from my employers saying i was making a delivery that day. I did not attend and the adjudicator rejected my case, saying the letter from my employer does not state i was actually making a delivery to the road concerned and the company office and where the pcn took place is a long way away. To me it seems like clutching at straws, so i got my boss to write a letter confirming i was delivering on that road at the time, and i sent it to the adjudicator for a review. I got a letter back today saying, edited: 'the general principles of review are that fact and law are generally final. One adjudicator will not overturn the findings of fact or law of another unless there are compelling reasons for doing so, such as where the findings are not compatible with the evidence before the original adjudicator unless the original adjudicator can be shown to to have taken into account some immaterial matter or to have overlooked or missapprehended some matterial matter that undermines his or her decision.. his/her decision is final and can not be reviewed You contest the findings of fact made by the adjudicator. The adjudicator made findings that the exemption for a delivery was not proved in your case. The adjudicator was entitled to come to this conclusion on the evidence for the reasons given. The new information that you now produce is not new evidence 'the existence of which could not reasonably have been known or foreseen' within the meaning of para 12 of the schedule of to the civil enforcement of parking contraventions (england) representations and appeals regs 2007. It should have been put before the original adjudicator. It will not therefore be taken into account now. your other representations are essentially no more than a dissagreement with the original adjudicators findings and a repitition of the submissions made before. there is no reason to conclude that the original adjudicator did not consider all the matters you raised in your original representations. Your application for review is there rejected. Surely this is rediculous? If i can prove i was making a delivery where the original ajducator was sceptical that is grounds to show he missaprehended or mis interpreted my evidence? How can they say i should have shown that evidence to the original ajdudicator? I was not going to know he would be so nit picky with a letter from my employers? Could i go to a solictor to contest this? I do have legal cover on my home insurance and car insurance. Do you think i have a case?