Hi People Every month without fail we receive the usual letter from TVL, you know the one that always starts " ... no record of a TV Licence ... ", now usually when we receive this letter it is addressed to "The Legal Occupier", well this months letter was different. This month the letter was actually addressed to my wife by name. It seems that this is a new approach, maybe they got fed up with all the returned letters! I am interested as to why it was addressed to my wife, as the it was addressed to "Ms ..." not "Mrs ..." which is the title she uses It doesn't really bother me who it is addressed to as it pretty obvious who its from, so it still goes into the recycling box, but its seems to be an interesting new approach.

I managed to avoid getting a ticket {I think} at the above address but many haven't been so fortunate. There have been a few CAGers caught a while ago but no recent ones. Station Approach is a private road leading to Hayes and Harlington station. The owners of the road have appointed those well known crooks PCM to manage the area. Here is the start of the road-

Background 4 years service continuous, rocky employment. Currently working my notice period due to evident constructive dismissal. Despite a grievance being submitted with my resignation no investigation has been commenced and a meeting was held where i was offered a PILON payment to leave that day. How do I approach a settlement agreement proposal with the employer it's an evident breakdown and It will save a lengthy tribunal process

I posted a while ago that I had written to Paragon about PPI I had taken out in 1989 with my National Home Loans mortgage, to be fobbed off and told I should take it up with the financial broker. "We realise this may be a disappointment to you". The financial adviser happened to be a friend of a friend at the time, and I've found him on Facebook. He seems to be doing very well ("one of the UK’s best-known bankers" ) so I wouldn't feel bad if the PPI was to come out of his pocket, although I doubt that would be the case? Would any of you kind and knowledgeable folk have any advice as to how I should proceed? Thanks

My partners car was stationary in a car park on 06/01/2017. There is a fee payable of 50p for 1 hours parking. The driver of the car went to the machine, realised they didn't have change for it, and returned to the car. The car left. The Reg keeper wasn't driving. When they got back to the car, a plastic envelope with a piece of printed cardboard was inside with the name MyParkingCharge.co.uk on. It has a serial number on it and a date only, hand written. It has no offence date, time, day, location, penalty details, appeal details or registration number of the car. As far as I can see, reading the rules - PoFA 2012, this is an invalid NTD. The date on this card was 06/01/2017. On 19/01/2017 my partner as the Reg Keeper, has received a Notice to Keeper (NTK) letter from Excel Parking. This has all the day, date, time, location car registration and contravention details. The issue date of the NTK is 13/01/2017, but was only received on 19/01/2017. The NTK doesn't mention PoFA act. It states the appeal services is IAS, and Excel are a member of the International Parking Community - IPC. The NTK has no ANPR information or pictures of the car or contravention. I am composing an email to DVLA for the intentional abuse of the PoFA rules Excel and the DVLAs breach. As the NTD is flawed (in my opinion) approaching DVLA is improper and the issuing of the NTK within 28 days means the Reg Keeper is not liable, only the driver. Any thought for suggestion on how to proceed would be gratefully received. NOTE. There is no ANPR on this car Park.

We had a second charge against our home of aapx. £24k about 10 years ago. we have been paying £30 per month since then. So the current balance will be around £20k. My family want to help me remove this charge. Can someone please give me any advice on how to best approach this. A sample letter to write to the debtor maybe asking for a discount to settle and release the charge. Thank you. GH

My son (age 19) is detained under S3 of the Mental Health Act in a hospital in Nottingham. He has been there since November 2015; visiting is a nightmare, as it is a good 200miles there and 200 miles back - taking me anything from 3 and a half to five hours, each way. It seems no sooner I arrive to see my son, it's time to start the journey home again - having only about 45 mins to an hour for visiting. Anyway, my son has his COA meeting on 12 October and I believe that his Consultant Psychiatrist, will be recommending my son be transferred to 'locked rehab' facilities, closer to home. (He is currently in a low-secure setting). My son is entitled to S117 aftercare. Prior to his detention, he had been provided with supported housing, via Children's Services - but apart from that, they did little/nothing to help to support him / despite my regular communication and requests for help? He has ADHD and ASD; which does make him very vulnerable - as he easily exploited and targeted by others etc. Anyway, I had contacted SS for help in 2012 (when my son, then age 15 diagnosed ASD); I had been experiencing a lot of difficulties with my sons behaviour actions etc - however SS have not been helpful and have never given my son a core assessment of his needs etc. I feel they have contributed to his seriously declined mental health difficulties and that he may not have got to point of being sectioned, given the right help and support? Now that he is sectioned, I would rather that he is now transferred and assessed accordingly by Adult Services, as Childrens Services (his social worker) has never recognised my sons plummeting mental health, despite my concerns and pleas for help in past. So I see little point in her/that continuing to be involved with him from here on? I have made Social Services /hospital staff/aware of this and SS assured me they had made a referral to adult services, for my son. However, this was several months ago now and have heard no more about this? As they claim to have made this referral, I have nothing I can personally chase up or work with, or even evidence of them having done this at all? What I would like to find out is this, my son's CPA meeting coming up - is it normal practice; that a Social Worker from your area, would be present/attend? Also, I would like to clarify, in terms of assessment by Social Services - what Assessment would they be conducting , would it be with regard to the Care Act 2014 or would it be under other acts? As a parent/carer/Hearst relative; do I have any right to request assessment on my son's behalf? I am so very concerned that my son has adequate support in place when he is discharged, returned to the community? Social Services has repeatedly failed him and it is vital this does not happen now, if he is to have any real prospect of success. Any help /advice or information in relation to my specific questions above or other information that may assist me in preparation of my sons, CPA meeting - would be gratefully received. For example: funding for transfer to a hospital closer to home? Is this likely to be p,agued by beurocratic nonsence and unnecessary delays etc I await any responses and useful info and thank everyone in advance for your time and input. Thanks again Nadia Phillips:|

I’ve been on the Work Programme for approximately 10 months now. When I first started and up until recently, the attitude of the staff at my Job Centre when signing on, seemed to be that once on the WP, you were no longer their problem. There was no probing into how your job search was progressing etc., it was literally a case of in, sign, and then out again. More recently I have noticed a marked change in their approach and they seem to be grilling WP participants a little more. Now, I can’t be sure if this is just me, or a more overarching change, so would be interested to hear other peoples signing experiences whilst on the WP. As an example, on my last signing day, the girl behind the desk was attempting to scare me into recording my job search details on Universal Jobmatch (along with threat of sanctions). Now, I have never recorded details of my job search on Universal Jobmatch and they do not have access to my Universal Jobmatch account. I keep a full and comprehensive job search record using my own documentation (the same document I present to my WP advisor). This she tried to tell me, whilst constantly talking over me, was not good enough, and that if I recorded it on UJ it would somehow form a more accurate and her implication was, a more believable record of my job search. So I pulled out my job search document, attempted to go through it with her. In the end she conceded, however she seemed to be looking for any angle to try and trip me up in some way. Now I know people not on WP and just regularly signing have this type of nonsense to deal with as well, but this is interesting to me as there definitely seems to have been a change in their attitude recently to people on WP. Any thoughts or experiences?

Hi, I bought a lamb leg of ASDA a few months ago and after my wife cooked it I went to carve it and found out the meat was bad the product was in date so I took it to the adsa I purchased it from they said they will send it to asda house for investigation and I will get feedback I filled out my personal details in the logging book after 5 weeks I didn't hear anything so I called asda house and found out it was not sent in for investigation. this concerned me as it looks like they hiding something my kids could of eaten this they told me to contact asda store where I took it too I did that but no answer called asda house they told me I will get a call back this has been on going for 3 months now now they just offered me a tenner I feel they just want to hide the fact that they messed up I refused as this could of harmed my kids/family and how they going to fix there errors by just saying heres a tenner? so now I want to get legal advise and not sure how to proceed so if anyone can help it would be appreciated.

Hi, I'd appreciate advice from others who have had similar experiences with Vodafone, and am also hoping Lee the Vodafone Rep may be able to intervene and/or offer advice. I opened a Vodafone account in June 2011. My calls and text usage was always well below the plan I was paying for. In August 2012 I received a sales call out of the blue offering me a new phone. I was under the impression I was agreeing to an upgrade, and agreed to increase my DD by £10 per month for a Smart phone to replace my Blackberry. They sent me the new phone and it transpired I had been sold a whole new contract for a second phone, line rental, the lot, which I did not need. When I queried it and asked why I had been approached when clearly I didn't need a second phone, I was told it was a special offer which I could use for a member of the family. I had a young relative just starting college so I offered the new phone to him. It seemed worth it for £10 per month. However, he ran up the bill well over the monthly limit and he didn't reimburse me with the money. I came to an agreement with Vodafone to pay the bill of £120 in instalments. I went on holiday for a week and whilst still abroad my own phone was disconnected. The bill on my own phone was fully paid up to date but my phone was disconnected because the payment on the second phone was late. And so began a catalogue of bullying and punitive behaviour by Vodafone who flatly refused to see reason or to negotiate a reasonable agreement. I had no written contract and had never been told that the two contracts were linked, ie, that if one was unpaid they would disconnect the other. On my own phone the only service I was getting was incoming texts and incoming calls but I was still receiving bills for the entire package, ie, line rental, minutes, texts and data usage. I protested this because I was not getting the services they were charging me for. Again the (previously unwritten) contract was quoted which Vodafone interpreted in their favour, but to me clearly stated that I should be paying for the package of services received. As I wasn't receiving the package of services then I refused to pay the full amount. I offered to pay a reduced amount for the service I was receiving, ie, incoming calls and texts but this was refused. After this "stand-off" for a couple of months I offered to repay in full the debt on the second phone but would not pay for the services not received on the first phone. The services on the first phone were then disconnected entirely, not at my request, Vodafone took the decision themselves, then they sent me the bill for the remainder of the contract which was another 6 months. They were trying to extort (for extortion is what it is) over £600 out of me for a debt of £120. I wrote to the MD and the CEO, neither of whom responded. I eventually reached someone in the Directors office who refused to reach an agreement to settle this issue and restore my account. This all happened in January-March 2013 and 2 years later I am still suffering losses because Vodafone posted a default notice on my credit record. I am unable to obtain a mortgage so have to continue paying rent. I have been unable to re-mortgage my buy-to-let property, thereby paying more interest than I need to. I cannot obtain a credit card; I am having to pay more for a car leasing agreement because of the credit record. It just goes on and on. To me this is a total abuse of power on Vodafone's part. Instead of trying to reach an agreement with me they have literally punished me for not giving in to their unreasonable demands. In my view they breached my contract with them. I have spoken to the Credit Reference Agency, Credit Call, who've advised me to write to the Ombudsman, which I'm in the process of doing. However, even if I were to pay the amount Vodafone are attempting to extort from me, it would be noted as "settled" on my Credit record and would still affect my credit rating for 6 years. Furthermore, I'm told by Credit Call that Vodafone will be fined £400 for every complaint that goes to the Ombudsman so I really don't understand why they can't just take a commercial decision and reach an agreement to settle with me, in return for removing the default notice altogether. It's a ridiculous situation, totally out of proportion to the "offence". Six years is a longer sentence than someone would receive for assaulting someone! I'm just waiting for the letter of deadlock so I can write to the Ombudsman but if there's anything else I could be doing, please advise. Many thanks Denfar

had two loans that I paid for 3 and 4 years respectively and like so many more discovered a big chunk of my payments had been going on PPI , one had been miss-sold because I was self employed and could never have claimed under the terms of the policy and the other I had refused but they added on anyhow. Calculated what my position would have been had all my payments been coming off the capital and concluded that one was definitely cleared and the other had possibly a few hundred outstanding. contacted the companies and got into wrangles with them that went nowhere. Then lost my job and couldn't have paid anyhow. I did at that point try claiming on the policies just to see and sure enough neither would pay a penny. told both companies to clear off unless they could provide me a calculation proving that I owed them money. Then the crash happened and these banks were sold and resold and then the loans were sold and resold. Now I have Mickey mouse Kapital and Road runner Kapital claiming to own these loans and with even bigger balances and have registered defaults for these big sums. They hire a new debt collector each month or so and sell on the data every two or three months to "some other Kapital" 1. Should I just keep ignoring them till it is statute barred in another few years? 2.Should I challenge them to prove the debt or remove the defaults and sod off 3. Should get back the PPI give them half it as a final offer and draw a line under it? Any suggestions?

Hello, I realized that I have been in a very vicious payday hell cycle for a while now, and realising to my shock that I owe them all in total of nearly 6k left me quite disgusted.. Anyway, I decided to get out of this cycle and get back on track so I cancelled all my CPA and started contacting them all saying I owe too much etc. and that I would come back with a repayment plan offer. Some of them, put my loan on hold a freezed intrests. Other urged me to come back with a payment plan asap and some just ignored my emails (this was sent before the day was due) Anyway, I have a question how I should approach some of them particullary those who charge ridiculous fees. One is Bongaloans, orginal amount was 100£ + 30 in intrests. I contacted them nearly a week before it was due, nothing. When the date was due, I asked them again. And well and behold they respond. I said to them that I offer to pay 50£ a month and hoped they would agree on that. Too my shock (maybe I should have expected it). They said they could do that, but the total amount due then would be 310£!! This was because they had 4x charges being applied because of missing payment, 1x on the day, 1x 2 days, 1x 5days 1x 7days after. All 45£ each! I told them this was plain ridiculous, as the charges is just made up thing and I informed them WELL before the day was due, I said I would accept to pay in total 200 back. They came back saying they would remove one of the charges so it would be in total of 270£.. still ridiculous for 100£ loan. What should I do? Should I keep pushing them, saying it's unfair charges? I want to be done with them tbh within 3 months. Another one is Wage Day Advance, they want to see my bank statements before they are willing to offer a paymentplan, or I have to agree to their payment plan of 142£ a month. Which I cant afford anyway. I really don't want to part with my statements as It does not show all my expenses, and it's kind of personal. And I have loans outside my bank like Chequecentre and Moneyshop. But I have a feeling I will get nowhere if I do. I owe them (according to them) 584£. There is also Mr Lender and Cash Genie, I did send them email, but I heard noting. I have a feeling they will contact me soon though, as they did manage to get the roll over fee from my account but I got it refunded so once they realize I think they will start harassing me. The other ones that has been "fine" is Moneyshop (had to argue a bit to get the 50£ a month in), Chequecentre yet to contact them with a plan, as I said I would try 300£ a month, but that is not possible after I realized how much I owed. Access fast money wants a Standing order screenshot. Peachy is fine with 50£ MyMate I will reply to.

Just over 1 week ago I bought a Samsung TV from Comet. I also said we were interested in a soundbar for a better sound system as we didnt want wires to speakers all over the room. The salesman told us the better option would be to buy the Bose Companion 3 system, which has 2 small speakers that stand at the side of the TV. (there was one on display actually connected to the TV) So, we spent a total of over £1800. At the till, just before paying the assistant tried to give us the hard sell about an extra 4 year warranty for about £400 but we declined. We messed around setting everything up and yesterday noticed we have a vertical yellow line going down the whole length of the TV screen - on the Comet website the reviews for my particular TV mentioned this same fault and the reviewer had to have his TV replaced. I went into Comet today, the assistant didnt seem at all surprised at this problem - it was known to him (Well why sell me the TV!!!) and said if it had been within 72 hours of purchase he could have done something but because it was over that time I would have to arrange for a Samsung engineer to come out, who would in all probability exchange the TV. He also managed to get the comment in that if this had happened over 12 months later we would have been sorry we didnt take out the extra warranty Before phoning Samsung I wanted to do a little checking around as my second problem is that I suspect the Bose system I have been sold is a system for computer speakers, not for TV's. When googling this problem online I find this is indeed the case, other people have been sold this system as a TV surround sound and when they complained to Comet they were told the Bose is marketed as a multimedia system so therefore that covers TVs. On Bose's own website they talk about this system as computer speakers. I am now feeling rather aggrieved and would rather have a refund on both products, the TV as faulty and the Bose as not sold for what I wanted it for. Am I entitled to one as the products are under 28 days old? Can I now insist on a refund by speaking to Comet? Surely if I phone Samsung direct they might well send a replacement TV but they won't give a refund themselves? I paid by credit card - unfortunately I have disposed of both boxes they came in (It was a 46" TV after all) Thank you in advance

Two questions. 1. If I am half of a joint account and I enter into legal proceedings (in this instance challenging the level of charges - not the bank's right to raise charges) and lose, then if I'm not worth a 'carrot' (name not on any deeds and no earnings to attach) can 'they' go after the other named person on the account, for costs? 2. When claiming back cr.card charges I always quote "It was held in earlier actions (and I can provide examples if required) that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss." and I believe this is included in UTCCR. If this IS the law of this land then is it not 'deployable' when claiming back bank charges? After all, we're not challenging the banks right to charge - merely the level at which they do so. One also wonders whether BCOBs could be used in unison. Thoughts please.