Hi. I have just registered, although I have been on this forum many times over the years as a guest. I am in a bad place, i feel embarrassed. After my marriage broke down this year my ridiculous reaction to the stress and sorrow was to start gambling online and I am now in a position where I owe £30k. I have taken, all in the space of 5 months, 4 x £7.5k loans and have lost it all on a crazy impulsive online gambling spree. I am absolutely disgusted at myself about this behaviour so please do not act on your urge to tell me how wrong this was. I know more than you can imagine. I have never, i repeat EVER gambled in the past and I am a 52 year old man. I am not and have never been a gambler which is why this is even more difficult to make sense of. I had zero debt just 12 months ago. My question in this instance is this: Given the way this debt was taken out, ie in a very short period, spent on gambling (with the ridiculous hope of making losses back each time) and the fact that I exaggerated my income by about 25% in my loan applications, can this lead to a Fraud or criminal prosecution? I didnt lie about anything else, and I stated my other loans at each new application. Can the banks or the official receiver (i will be going BR ) find this behaviour so wrong that I could be charged? I understand that I will most definitely be having a BRU. The use of the funds is clearly documented in bank statements. ie I didnt take loans out and cash them out or purchase things, or give to friends or go on holiday. It was all used on gambling over a very short period. Please only reply if you are aware of English Law regarding fraud (if this is in fact fraud) and under which section of the Fraud Act? I really need some solid knowledgeable advice as I am extremely stressed. I have been reading about S1, S2 of the Fraud Act and searching online but can not really find something clear to suggest whether this is something that, a) can be prosecuted, and b) is in fact prosecuted. Some posts in other forums state that they have never heard of anybody being prosecuted for lying or exxageratin on a consumer loan application but I find that hard to believe? Why would the CPS have a Fraud Act and why would they not pursue it if a bank requested them to? If anybody has been prosecuted please share your experience or some points, or PM me if you are not comfortable to post online. If this is in the wrong forum please move to the appropriate one. Thank you

I hope I am posting in the right place. Wayne has been the sole tenant of this little flat for 18 years. We are not married, but do live together. I have never been on the tenancy. I am on the electoral roll (the bit that is private) and the Council Tax know I am here because Wayne had to write to them back along to give up his single person occupancy discount. Wayne applied to buy his flat back in February, and an energy surveyor has already been. He had a letter to tell him that the District Valuer will contact him to make an appointment. RTB2 admitting his Right to Buy has not yet been received. He has been to a broker and he will arrange a mortgage for Wayne, even though Wayne has two small debts that have been registered. These are $501 to Halifax Building Society (now through a debt collection agency). He closed his account in 2007 and unbeknown to him they added bank charges. Over the years they have added up to this amount. Wayne refuses to pay this. They entered a note on his credit file in 2012! And about 9 years ago he had a load from Provident. He handed over the payments regularly, but rarely saw his book. It was always "being updated by Head Office". Then the agent left and Provident came knocking after the money that she had pocketed! Wayne went mad and actually went and had a go at the thief at her other job in a shop, in front of her manager. He never heard from them again, but then when he had his credit check done by the broker, both came up,. Last Monday Wayne was at work, there was a hammering at the door. I opened the door to a burly great bloke and an official looking lady. They asked where Wayne was and I told them he was at work. The man said they were from the Council´s investigation team and they were investigating fraud? I told them they needed to speak to Wayne as it was nothing to do with me. Wayne duly spoke to them, and the lady told him that every time an RTB application was received, they had to investigate the applicant to help prevent fraud. She arranged to call back on Friday, today. She turned up with the same gentleman as before. The first thing the man said was "we have credit checked you and found two debts, and this may prevent your application to buy from being approved!", Wayne looked at me in surprise, so I simply said the mortgage broker said this wasn´t a problem, and I cannot see how this can affect his Right to Buy and in any case Wayne has argued these two debts and he will Tell you about them. The man accused me of being aggressive! Anyway we got past that bit and he denied that he said this! He was asked a series of questions, showed his passport as ID, had his photo taken. The last question before they left, was "have you ever benefitted from the RTB discount before?" Wayne answered honestly "no". The man said "if you are absolutely sure that you have answered honestly ... pause... then please sign this form". Wayne signed. Now, in 1984 I bought my Council flat from this Council under the RTB scheme. Years down the line I sold it and bought another property with my then partner. We split up and the property was sold. Shortly after that in 2006 I met Wayne and we´ve been an item ever since. (I can´t say "girlfriend and "boyfriend" I am 54 and it just doesn´´t sound right!). I am not anything to do with this application, it´s Wayne´s. We are not married and like anyone else we could split up in the future. Without wanting to sound mercenary, I have an elderly aunt/godmother with a house in the New Forest who has not long to go and I am a beneficiary of her will, and I want to buy my own place when the time comes. Therefore I will not benefit from this, Wayne has a much younger brother with learning difficulties and he wants to leave it to him. I am very worried that they are going to stop his RTB because I have already had an RTB before. I´m pretty certain they can´t because we are not married. The other thing was they asked NOK - well, his mother is bonkers, as is his younger brother and his older brother Albert, he rarely sees. So he said me. I´ve told him to ring them and get that changed to Albert. Sorry for long post, but lots went on today! Can anyone see any pit falls here? This is just a case of a long term tenant wanting to exercise his RTB. Can they really stop this because his "girlfriend" had RTB before?

This was my first application for PIP, and received a text to say I have been awarded it and a I don't have to do anything, they will pay my money into my bank. I had decided if they called me for a face to face I was just going to drop it......as could not face going and too ashamed to take anyone with me as I don't like people knowing how I feel. Is there any way I can find out how I got the points? Is there a form I can ask for? This will be useful when a review comes through as I'll know exactly how I was awarded it, if you get my drift? Thank in advance for any help offered. Miss (less) Anxious

Hi, hope this is the most relevant forum, if not please move. Try as might, attempted to find out answer to my query but my LA does not give any details on this subject. Nor does there appear to be any legal website giving law surrounding! However,as the title says, due to parking problems some years ago, our road/close/avenue, is a residential parking permit area. In addition, each resident is allowed to apply for upto 2 visitor passes. Parking, even with permits, now seems to becoming a problem again. My question is quite simply, is it possible to apply for residential disabled parking bay within a residential permit parking area? Different LA seem to have different approaches to this, but as previously mentioned nothing on my LA website, merely blue badge information. I am in possession of blue badge, as are a couple of other residents, but the added difficulty is our next door neighbour who, if the opportunity arises, parks his vehicle over 2 spaces (there are no marked parking spaces), causing us to seek at times a parking space 2 or 3 times distance from where we are normally able to park as close to our flat, although still within residential parking area. Wondering if any readers had/have similiar problems ways or resolving. Grateful for any responses and advice.

Hello Friends, Can you tell me whether the UKBA service of assessing visa application is subject to general consumer laws or not ? And if so , can I raise a claim in court, six years after I was wronged by them. they had made and admitted their mistake in assessing my application but refused to refund my air travel ticket saying that they advise applicants not to book ticket in advance. However I don't think I am bound by their advise and that I want to claim this in court, five years after the incident.

we have been bidding on properties for over 3 years with this housing association, but in band d, after having shelter involved as environmental health say out property is not safe to live in. Shelter sent the reports and our sons report about his disabilities, we have been bidding with no problems for 3 years, then all of a sudden i couldn't log on to there system, after calling them, i was told the application was deleted due to rent arrears on a old property, of which we had paid off, but still want 1500 in charges from us!! i not happy, Environmental health have said this house is not safe, but the local housing is run by this housing association, who have now told us we can no longer bid or be with us. I've asked why they have done this after shelter got involved! they are refusing to answer us.

If a person receives notification of a County Court judgment that they had not known about, (normally because the summons etc had been either sent to a previous address or had been incorrectly addressed etc) then they can approach the court to request that the judgment be 'set aside'. The procedure is outlined in the following 'Sticky'. http://www.consumeractiongroup.co.uk/forum/showthread.php?454644-What-Form-What-For-Where-does-it-go An application to 'set aside' the judgment or to 'stay' the proceedings is made on a court form called an N244 (known as a General Application). At present there is a court fee for filing an N244 of £155. If the person submitting an N244 is in receipt of qualifying benefits, they may be exempt from paying this fee. They would be required to complete an EX160 form. Last year the government issued a Consultation paper to seek views on increasings the fees for N244 applications (and many other court fees as well). There was an overwhelming response opposing the fee increases. Despite this, the cost of filing an N244 Application is to rise from £155 to £255. There are many other fees increases, one being the court fee for issuing a claim in the County Court. If a claim is made for a value of between £1,000 to £5,000, the issue fee will be £205. The link below is to an article from the Law Gazette. The online comments are worthy of reading! http://www.lawgazette.co.uk/news/senior-judges-lambast-government-over-court-fees/1/5053272.article?PageNo=1&SortOrder=dateadded&PageSize=10#comments

is there anyone to help or anywhere i can get help to complete a pip application. ive been on long term sick /esa over a period of over 10 years , the last 2 years have got even worse . i had a ftf esa assesment around christmas and have still not heard back even though esa is still been paid . in the last 2 years i have gone through been partly diagnosed with epilepsy even though im still having my meds changed frequently and have just been invited for a 5day stay in hospital for more tests (i have a phobia with hospital stays) suffered a massive heart attack last april that took 3+ hours of mis diagnosis causing 44% muscle loss in my heart. then only 1 year 5 days later suffered yet another heart attack @43 years old ,with the hospital refusing to stent ,stating i would be fine for a few months even though i have now another 20% reduction in heart strength . iv spent the last few weeks wondering would i qualify , i also have a back /leg problem that led me onto sickness benefit to start with after a fall years ago that nearly killed me . everyone says yes but my head these days is so bad i cant even work out the forms there so confusing . is it possible for a company /person to do this . im on 16 different meds a day for the rest of my natural and basically im waiting for the next heart attack to happen . its making me so depressed as even though i was physically disabled before to an extent , im now getting mentally disabled as well and struggling to cope with accepting that this could be my future fitness . even the cardiologist couldnt work out that why i was sufferering breathleness and suvere temporal pain 3 weeks prior to my second heart attack . so how would a pip assessor work out whats what . i dont know how to put down each individual thing out on paper. and my wife bless her isnt intelligent enough to actually write this down comprehnsivly enough .

Can someone please shed some light on this? I've previously lodged an incidental application to have this case sisted, but was instructed to file a defence. A date for proof was set, but now it seems that the pursuer are trying to discredit me (again, and moreso), but still fail to present any evidence to support their claim. I took delivery of this summons tonight, and the hearing on incidental application is tomorrow at 10am. Is there even any point in attending?

If you put an application online surely the same info is given to get you to tick that particular area of a form yet one of the big banks is saying that they dont have to pay anything as it was completed online. Can someone let us know if this is true. You can be misled online as well as person to person dont you think

Hi everyone, Havent had to post here for a while now, but this website proved invaluable to me when being persued by Lovell and Co. Here's my new dilemma! In process of selling my home and purchasing new one. Mortgage advisor called me in to inform me there is now a problem with my application. Had previously been approved last year when started looking for new property. I hadn't checked Experian for a while as I knew my credit rating was 974 and classed as excellent. I know how important credit files are, having had bad credit many many years ago, taking me years to even get a basic bank account. I have seen my credit rating increase over the years, and know what causes my rating to dip from time to time...new searches etc. Anyway, to my horror when I checked Experian yesterday, I now have a credit score of 308...very poor!!!! I could have cried. After the initial shock, I found the culprit.... Welsh Water Dwr Cymru. They have reported for the past 3 months a debt of £495 and marked as 'Delinquent'. I was going to ring them up first thing today, but then remembered your advice of doing all correspondence by post /email. I don't believe I am responsible wholly for this debt, as the current property I live in does not have mains water. However I bought another relatives property who had passed away in 2013 and did initially have all the utilities in my name there. Never moved in, just did the property up for letting. The property had been let for the past two years by the same person. They have recently vacated the property just before Christmas. I honestly can't remember if I informed Welsh Water of the new tenant and am wondering if my name is still linked to that property? How do you think I should handle this? I can prove where my current address is and have a copy of the tenancy agreement. If it comes to light that they are still billing me for this property and not in the tenants name, can I be still held responsible for the debt as the landlord? I still have the security deposit for the previous tenant, can this be used to settle any debt? I need to sort this out quickly for obvious reasons and have these defaults removed or I wont be moving!!!!!! Any advice would be greatly appreciated. Many thanks.

Given the degree of misunderstanding about an N245 Application (together with inaccurate advice about enforcement of a writ of control by a High Court Enforcement Officer) a debtor is reporting online that her debt has increased by almost £1,000. Background: On 2nd December the debtor posted that she had received notification from a High Court Enforcement company that they were enforcing a CCJ. She made clear that she wanted to pay the debt within one month of the date of the judgment (17th November) so as to ensure that her credit rating was not affacted. On receipt of the Notice of Enforcement she contacted the enforcement company to advise that she could not pay immediately and wanted to make an arrangement to pay by the 17th December. As this was outside of the Compliance stage, the enforcement compoany correcrtly advised her that any arrangement would involve a personal visit by the Enforcement Officer and a Stage 1 fee of £190 plus vat would be chargeable. She was advised to file an N245. She was wrongly advised that enforcement would cease. ON 11th December she made a series of desperate posts as she was having trouble completing the N245 and was becoming very anxious as the matter had to be resolved within 6 days (by 17th December) otherwise a record of the judgment would appear on her credit file and remain there for a further six years. On the same day (11th December) she was advised to pay the judgment debt £890 (minus bailiff fees) online to the creditor. She did so. She also file the N245.....and paid a court fee of £50 Yesterday, she posted back in desperation. The enforcement officer has once again visited and the debt has substantially risen to £1,928 (Stage 1 and Stage 2 fees have been applied). The enforcement company stated that they had contacted the creditor a few days beforehand and that apparently, their records did not record her direct payment. This has now been amended. National Debt Line have advised her that the enforcement agent is indeed entitled to his fees. The court have not yet received a response from the creditor in relation to her N245 Application (which is about right given the Christmas period). She has now been told to file an N244 in the High Court. The McKenzie Friend has offered to refer her to his ‘solicitor’. She needs to pay another fee of £150 for this. This is in addition to the N244 fee of £155.

Hello. I am currently getting income based JSA for about 1 year now. I stay with my mum, But all of a sudden my mum is saying i need to pay £27 towards to rent as the council will only pay £109. So why now do i need to pay. I have a brother who gets ESA, and my mum gets income support. What are causing the housing benefit deduction, My brother only started claiming ESA this year in march, And all of a sudden the housing benefit is cut. So could someone help me because i am getting the impression the cut is because of me but i have been getting jsa for around a year and my mum has been getting full housing benefit since untill now.

Hello all Please can someone help me out with a template letter for a strike out application to court for a lack of evidence provided by the claimant Thanks in advance

Hi i would be grateful for any clarification other caggers can provide. LTSB Gold Service Payment application form circa 1990's. across the top of the application 'Lloyds Bank Gold Service Payment/Photo Card Application Form' underneath Credit agreement regulated by the Consumer Credit Act 1974. this is very confusing as part of the document states under 'Security' 'the overdraft facility made available under this agreement is unsecured and shall not be secured or treated as secured by virtue of any mortgage, charge or other security which i/we may have already given (or may in future give) to you. does this then mean that if there is a dispute that LTSB cannot enforce to change the 'unsecured' to 'secured' via a CCJ ? then further down it states 'to be considered for a Lloyds Bank Gold Service Payment Card you must sign in the box below' this implies to me the A4 form is an application form and not an agreement, however in the signature box it refers to 'this is a Credit Agreement regulated by the CCA' has anyone else come across this? and what is the position. Thank You

I applied for 18+ Oyster Photocard after being told by a member of staff that I am eligible since I am on a part-time course lasting over 14 weeks. After making the application, and it being rejected, I have found that I have to be in receipt of an NHS grant or receiving financial help from my education establishment. I have attached the webpage that I went through to make my application. I have also included the part of the terms and conditions that is relevant to me. My argument is that the webpage does not state any requirements for NHS funding, it only requires for the course to be eligible. Another argument is that the terms and conditions are confusing, namely the bullet points after either. Correct me if I'm wrong but after an either statement, and cannot be used. Such as: either A and (B or C), in this case A should not have come after either and should have been with the original set of bullet points either (A and B) or C, then in which was A and B do not need to be separate statements but could have been in the same bullet point. I understand this can be confusing and I might not have a valid argument, but any help is much appreciated. I don't see why someone in receipt of grants and financial help gets to reap the benefits of this scheme but not someone like me who is working hard to put myself through education, barely earning £8,000, most of which goes towards tuitions.

]In a case involving the family, a close relative of mine has almost certainly been unexpectedly included in a elderly relative's Will to the tune of many thousands of pounds. A substantial sum. However, the elderly relative passed away earlier this year, and the sole executor, the only offspring has subsequently delayed the process of probate, to the extent he has not yet made an application. This intelligence is borne out by the online probate registry which as yet is not showing any reference to any application, and therefore no information on the Will. The Executor would have been expecting to inherit the whole estate from his sole surviving parent, and would therefore have been extremely upset when he read the Will to discover that he had not in fact inherited everything. Indeed a sizeable chunk, close to a six fire sum, had been allocated elsewhere. I cannot find any definitive information about this scenario. What happens if the Executor simply declines to register the Will? Does that mean eventually he can claim there was no will/the will was not valid - it is his responsibility as I understand it for him to prove it is valid if there are questions marks ( and it is in his interests to indicate there are); does 'intestacy' rules then kick in, in which case he would stand to gain everything as if the Testator's instructions were set aside. Is there a time period during which an Executor is legally obliged to make the application? I cannot find any reference to this. And finally, is it possible to somehow 'contest' the will, perhaps argue it is invalid ( undue influence etc. or something along similar lines) before it is even necessary to apply for probate, get the Will effectively invalidated, and then claim as the Testaors only immediate relative/offspring of the Testator the inheritance under intestacy provisions? Or, could it be explained that the main assets a property, currently on a leased tenancy cannot be sold until the tenancy is terminated, and that is the reason why the Executor is holding back. I detect a pungent odour of rodent in this current scenario, and that the Executor is cooking something up, but what?

After some research on here I now know the true horror of what Vodafone have done to me. To cut a very long story short my Vodafone account was closed early and paid up by me in June (so I thought) PAC code transfered all done. Goodbye Vodafone - hurrah! Get a letter in September saying I still owe £90odd . I have contacted them on many occasions saying please can I have an invoice so I can see why you think I owe this? Athough promised each time nothing received, next I get mail from debt collection and then black mark on my (previously perfect) credit history - Just as I'm apply for a mortgage! Thanks Vodafone!! they can say I owe them something , not produce an invoice to back this up and then ruin my chances of getting a mortgage with absolute and complete impunity! On the advice of my mortgage broker I paid the o/s amount to minimize the damage. When I did this I was told i could speak to the team that placed the marker against me as I wanted to explain it was paid late because vodafone did not supply me with the information required to resolve the dispute and therefore please remove it. After the amount was paid I was put through to sales! When I called back to try once again the line was dropped after 50 minutes . I just dont have to time to spend many more hours on the phone to receive empty promises. So even after paying an amount that im not sure I owe I still have got nowhere in clearing my name . Its shocking and I cant think of any other industry where people could behave like this and get away with it.

hi, i rent a room in one town (near my works and children) and my partner (not the mother of my children) rents a house in the next town, she is signed off sick and has a daughter. i cant move in to her home as she is being evicted as landlord is selling up, section 21 ends in september and her local council are not helping much they just say she will have to rent another private which isnt easy since she isnt working and on sick benefits due to ongoing heart issues for which she is having open heart surgery for very soon. i work full time but cant have her and her daughter live with me as i rent a room in a house to keep costs down so i can pay for my children and not go via csa. i have already registered for housing with local council in my town but of course can only apply for a 1 bed place due to it being just me. i have now filled in a change of circumstances form and added my partner as we were thinking of moving in together in the new year (have been with each other for several years so not a rushed thing) with all that is happening her end i dont know what to do as she is going to need me with her full time during and after surgery. have i done the correct thing adding her via the change of circumstances form with my local council? as i hope they will help us get a place together and soon due to her condition . we did not want to move in under these circumstances but i need to be there for her full time. since we are both living in different towns i am just wondering what the best thing to do or push for. a very odd situation and any pointers would be great as i am worried about her condition and the stress of all this being evicted is having on her but also wanting to get help with a council home not private rent as i cant afford to keep both of us on private rent rates. thanks.

Hi All, I had applied for TE7/TE9 application recently for out of time witness statement towards a PCN, which got rejected. I intend to file N244 for a review of the decision and needed advice in relation to it, which will be much appreciated. Overall issue- -> 2 PCN from London Borough of Redbridge with contravention date 10th and 12th Feb 2015. -> As per claimant witness statement for both the PCN - NTO 18th FEb 2015 - CC on 24th Mar 2015 - OR/WS on 15th April 2015 - WoC on 28th May 2015 - SD out of time on 19th Aug (1 day before it I got to know about it from enforcement agency Confero and applied for TE7/9) -> Moved to new house on 14th Feb and applied for DVLA address change . DVLA updated it on 25th Feb 2015. Detail Event I am starting with the order of events in chronological order best to my recollection towards it before I present my queries. . 18th August, 2015 1. I received two letters from ‘Confero Collection’ heading Notice of Enforcement in the evening. Letter 1 Issue Date – 13 August,2015 Payment Due Date - 25th August 2015 Money Owing to – London Borough of Redbridge(LBR) Amount – Debt - £ 172 ,Compliance Stage Fee - £75 = Total £247 Letter 2 Issue Date – 13 August,2015 Payment Due Date - 25th August 2015 Money Owing to – London Borough of Redbridge(LBR) Amount – Debt - £ 172, Compliance Stage Fee - £75 = Total £247 19th August, 2015 2. I called up Confero in the morning asking what the notice is about. The Lady on the phone said it’s towards the two PCN for which I owe debt to LBR and helped me to view the CCTV image of the same from the Redbridge website. Before I could explain or contest on it, she told me I have to call up LBR council in regards to it. 3. After speaking to Confero I tried calling to LBR and manage to get the right person around lunch time. I mentioned the two PCN no# and tried to explain the situation towards it. The person explained he cannot do anything or help me out as the matter is in the county court and I have to get in touch with TEC to get it off from court proceedings before they can here any of my contestation and suggested that I should do it right away. 4. Then after having lunch I tried calling TEC and after repeated attempt manage to get somebody over phone. I explained the situation and gave the two PCN no# and she said I have to file TE7/TE9 (which she emailed me later after the call )separately for each PCN and email it back to them .Once they receive the correct application, and if its before1600 hrs, then it will be processed and notify LBR the same day. After which I will have to wait for the decision. [My understanding after the call was that was once they receive the correct application it will be off court proceeding and decision will be on the PCN. So I intended to call LBR next day to talk on the PCN and explain my situation before they make the decision.] 5. After the above call I got the TE7/TE9 form from TEC, which I filled up correctly for both PCN. In TE9 My declaration was - I did not receive the Notice to Owner /Penalty Charge Notice For TE7 I didn’t paid much thought on reason when I was filling it and gave below explanation, which at that time was the reason for filing it. I was in rush to apply the application so that they receive it before 1600 to get the whole thing off from the Bailiff’s involvement. “I did not receive any communication on this until 18th August 2015 (from enforcement agent). I need additional time so that I can discuss this with Redbridge Council.” [Which I regretted later for not providing full details] 20th August, 2015 6. I called up LBR in the late morning to check if they have received any communication from TEC and then explain the situation on the two PCN itself. The Lady over the phone confirmed receiving the fax from TEC on TE7/TE9 for both the PCN. But said she cannot do anything towards the PCN and I have to wait till LBR makes a decision on the application that I filed with TEC. Then I told her that I am confused as I thought whole thing I did was to discuss about the PCN itself with LBR and any further explanation went in vain. Towards the end of the call she said she will be informing the Enforcement Agency (Confero) to hold the enforcement action till further notice from LBR, when I asked about it. 4th September, 2015 7. I received two letters from LBR towards two TEC applications that I filed in regard to two PCN. Both the letter explained the council wishes to oppose the Out of time Statutory Declaration The letter also included document heading “Witness Statement of Claimant: London Borough Redbridge”. Letter 1 (1st PCN) Dated – 26 August, 2015 Contravention Date – 12th February 2015 – PCN issued from CCTV 18th Feb 2015 – PCN was sent to respondent by 1st class post. No representation or payment received. 24th Mar 2015 – Charge Certificate was sent to respondent by 1st class post. No representation or payment received. 15th April 2015 – Order Recovery/witness statement Notice was sent to respondent by 1st class post. No representation or payment received. 28th May 2015 – Warrant of Control was issued to Enforcement Agent 19th August 2015 – a faxed copy of respondents out of time Statutory Declaration received from TEC. The letter included the details of what they advised me over the phone and the reason to decline it is as below:- “The statutory declaration was made from different address than to the address PCN was issued and respondent has given no indication in the statement that they have moved or to confirm they have their mail redirected. Therefore respondent didn’t take adequate measure to notify DVLA or have their mail redirected. “ Letter 2 (2nd PCN) This is exactly same as above except the contravention date – 10th Feb 2015 [i moved to new address on 14th February 2015 evening and applied for address change to DVLA on next working for both Driving license and Vehicle logbook. The new logbook that I received later has updated entry as of 25th February 2015. So DVLA should have the new address from 25th February 2015. Regarding mail redirection, I did not do it as I had applied and got the address changed for bank a/c, utility…etc over phone and wasn’t expecting any letter. ] 7th September, 2015 10. I called up LBR in regards to the letter received above on 4th September 2015 and explained the DVLA address change dates to see if they will listen to me and change their decision before they notify TEC of their decision . It seemed it was the same lady from LBR I spoke on 20th August 2015 but was disappointed to find her persistence on the fact that it’s my mistake that I had not set up the mail redirection and didn’t listen to any of my explanation . She confirmed towards the end of the call that they are going to decline it and I cannot do anything to change their decision. 10th September, 2015 11. I received two letters from TEC in regards to my TE7/9 applications. The letter is dated 7 September 2015, pretty much with same standard response format that I see here in the forum, that’s it’s refused and I have 14 days to file a review through N244. I needed some advice on the mail redirection part , can that be viewed by district judge as negative aspect in reconsidering the appeal .Does it mean it can be used for legal argument. :Thanks

I'm not sure if this is the right section but has anyone completed the competency based questions on a civil service application form before, as I'm stuck with it. I've completed most of the form but just need to complete this section. Thanks

I applied for student visa in 2011 with the help of 1 consultancy. They charged me £1600 for this service. I done bio metric and was waiting for reply till today. In between i communicated to UKBA several times . Today i came to know that i am victim of identity theft. This consultancy who helped me for my application, withdrew my application without my concern. Even they changed my communication address to their office address without my knowledge. I never authorized them to represent my file to UKBA because they are not registered as OISC. I just took help to fill the form, find the college. Now after longtime waiting for an application i contacted to UKBA for returned my documents as i wanted to go back home. They told me that my application was withdraw with the reason that my mother is passed away in 2011 . So they returned that documents to that consultancy address . UKBA advise me to take help of local police to go and get my documents. i done so but the owner of the company denied. now police advice me to go to County court to sue him. Please advice me if someone can help 1 Is it possible for someone to change my application address in UKBA without my knowledge 2 How can i get my documents back

Hi, Around 4 Months ago I sent a CCA request off to First Credit after they contacted me with regards to a HSBC CC I used to have. today I receive through the post what they claim to be a True Copy of the credit agreement but all they have sent is an application form with just my name and current address on it in somebody else handwriting and a photocopy of a booklet with the terms and conditions on it which is so poor quality it is unreadable. As far as I understand this is not compliant am I correct in that understanding, if so what do I reply back with please? The card is pre-2007 if that makes any difference. Thanks.

Recently, I have been seeking a mortgage and have been to three mortgage brokers to get a mortgage quotation. Since receiving quotations I have selected a mortgage broker to act on my behalf, making my full credit report available to them, and also presenting all the required documents required for the application in principal. Before, I selected this broker, a previous mortgage advisor, has decided to obtain a mortgage in principal without formal consent from myself, which has had a negative impact on my credit report as he did not have access to it, and I have not given him my report as I had not selected him. Also the broker has not been presented with any of the supporting documents required by a lender. Could you please advise me of where I stand in this situation? Many thanks, M

Following the loss of my late husband I have submitted an application to the DWP Social Fund for assistance with a Funeral payment. At the time of telephoning the DWP the clerk obviously hadn't had empathy training but that's being dealt with seperately, but he sent the form out. Apparently, their rules are that they will make payment(s) directly to the funeral directors if the whole amount has not been paid in full. Surely that implies I wouldn't pay the F/D and brands me a thief of public funds? I have paid the third party dispersements of £3K (short term loan from family friend) in order to book the funeral and the balance is just over £2.5K (without headstone). If I cannot get this decision changed it will leave me in very deep financial difficulty I am trying to locate the DWP Director of Social Fund unit to raise my concerns with them about the handling of my application and would appreciate any guidance on this matter. I have searched the gov website etc but to no avail. NOTE: I am aware of my other similar post regarding this matter but as this is to do with benefits I thought I would try to simplify it for this area and to remove the sensitivity from it - Hope that is ok? Thanks in advance. Shelley