About two and a half years ago I had a current account with overdraft that was in credit when I used the account switching service to change to another bank after I became fed up with RBS and wanted to leave them. Today I received a letter claiming RBS have been trying to contact me as there hasn't been any money paid in to my account that RBS closed for me while in credit and transferred the credit balance to my new account with a different bank. The Sort Code of the account it is claimed I owe them money on is different from the sort code of my old RBS branch, I can not find anything at the moment to check if the account number is correct or not.

Hi, I need your advice I parked on a street where nobody shows the timer this is on disabled and non-disabled cars, I parked in a disabled slot and placed my blue badge, when I came back 20mins later from a dental appointment I was given a notice, I have only had a blue badge a few months CODE 40 "Parked in a designated disabled persons parking place without clearly displaying a valid disabled persons badge" The images shown on the enforcement site showed 2 images taken at an angle so you could not see the dashboard or badge. I questioned this with photo evidence they came back and said it was for not showing the timer, I questioned again that the notice said nothing about a timer. They sent back more images showing the blue badge they had there was no mention of this in the first reply from them. Where do I stand on this? Does anybody know what the codes are for the parking notices, and is there one for not showing the timer? your help appreciated

Hi Folks! In December 2011, GE took us to court as we fell behind with our secured loan with them. The judge ruled in our favour and suspended the order and we all agreed on a given repayment plan of £156 per month. I stuck at that for 9 months, with every month calling GE and paying the amount over the phone, October 2012 when starting a new contract job in London that involved long commuting and even working some Saturdays. I work in IT btw. I know it is not an excuse but the commute overwhelmed me in every sense, and I started to get ill too. I forgot to stick to my repayment. In December, I left that job after it was agreed that it would be better for my health (with the contracted party). I started a new job in January full time closer to home but the employer didn't manage to secure a big client so my wages was a stumbling block for them, so they gave me one week's notice and I lost the job within three weeks of starting. This is purely because they employed me in anticipation of securing a big contract. in Februray, 2013 I had a minor stroke, and was in hospital overnight. I recovered and found another local permanent job. In February, I made a lump sum payment of £500. Up until last week, no communications from GE. Last week thursday,they notified me that they have sought a warrant for possession of the property. On monday, I called GE, and I offered a lump sum payment of £2000 (Aussie tax refund which I got only few days ago ) and I said with the help of my new job, I can increase my monthly to £500 to help clear any backlog. The guy at the other end of the phone didn't even hear my offer and said he declined it! In the end he said come back and when you have a better offer. I came here for help on this forum and with the help of this forum and my sister who was a lawyer but now a mum for two little boys, I submitted on thursday a n244. I made the same offer in my appeal to set aside the judgement. However, I also called GE automated service and paid £2000 for which I should have it appearing on my statement tomorrow (Friday 19th). My hearing is on Monday at 10, while the eviction is set for 23 April at 12.30pm I can demonstrate that I can afford the new repayment but I am so worried. I messed up but I want to rectify but I am not being given the chance. GE want the whole money owed to them which £15k. They say that the £15k is the arrears but that is the full balance . I am confused with this? missed payments at £156 from October till February. I paid them £500 in February as soon as I could. Please help me get myself togeher again. I am still going to hospital appointments for various tests a the doctors trying to find out what caused my mini stroke. They did say that bad news can do this too. In the meantime, I have kept all from my wife as I don't want her to feel the pressure. At the last hearing, she was so scared of losing the home and because of me this might happen again. Please help. I need to go on Monday with some clear ideas, which I am hoping good folks can help me get. Thanks you for reading and helping PS: GE have added a large number of charges that I know some are unfair and they also charged me PPI, which is clearly marked on my contract! I will seek these back, soon as I have done with them. Please help. Thanks Another point: My telephone offer was for £2000 lump sum, and increase of monthly obligations from £156 to £500 and set up Direct Debit. The last point of direct debit was left out in the N244 which was done in a panicky state as I originally thought the eviction was for monday and wanted to hand in the n244 by end of wednesday! I have also made a hasty mistake too: My statement for n244 says offer of £2000 lump sum but have paid this by phone. Oh dear, what to do next? I know I need to stay calm, as my blood pressure was 152 in my last test at the hospital last week! I haven't slept since last week and hardly eaten but put on a brave face for my 14 year daughter and my wife. They hardly know anything. But it is getting me donw.

... in August 2015 BT hoovered £50 out of my bank account. I had cancelled BT sport in 2014 when my team were relegated and now out of the blue without any authorization from me they take my money. A year after cancellation! Their phone system is a joke. I was on the phone for half an hour (I timed it) just to cancel a contract I had NOT taken out. Later a guy from BT Billing rang me back who refused to listen to anything I was saying. Not least that I had cancelled the service in September 2014, that I had not been having the service since September 2014 nor been paying for the service since then. All he kept saying was that I hadn’t cancelled until today! Whenever I tried to point out the previous points he just talked across me. Why have you not been charging me then? I kept asked him. He refused to give me any address to complain to but did give me an address which will provide a recording of the phone call for £10! As soon as I get it I will stick it on Youtube. Offcom will not involve themselves in matters of billing and BT have no means of discussing the issue. Nice one. They are answerable to no one. My advice to all is to stay away from a bunch of rogues who will flush money out of your account a year after cancellation. Steven

Hope this is the correct thread, apologies if not. At beginning of July my husband drove to Brighton railway station to park as he normally does in the allocated disabled parking bays (which is managed by Meteor). On his arrival at 4.45am the service road to the parking bays was closed off due to resurfacing and a sign had been put up saying blue badge holders to use main car park and to collect a voucher from the car park attendant. He sought out the attendant who said he had just arrived there himself and at that time didnt have any vouchers nut to display his blue badge and everything would be fine, so he did just that. At the end of July he receives a PCN through the post, we filled in the appeal online stating what had happened and also sent email to (ZZPN) who seem to be the collectors of monies for Meteor/Vinci and heard no more. A week ago he gets a further notice which has now increased to £126 (with bailiff threats) from £90. I phoned a very unhelpful ZZPN employee, "you will have to speak to Meteor". Phoned Meteor "you will have to email your appeal to us". Waited a few days nothing. Phoned again we never received your email....send again. Did that received email back sorry you are out of time has now gone to debt collection agency!! Meanwhile i search on southern rail website re the parking there (taking roadworks out of the equation) and it says blue badge holders may park for free in main car park if all other disabled bays are full, which niw begs the question why did anyone need a voucher? And why are they pursuing? Southern rail don't get involved they told me but have taken the details. I have told my husband 'do NOT pay this it os what it is an invoice, bailiffs cannot be sent here without court proceedings and if they want to go to court we go to court. I have put that to them, keep wasting your paper and postage and see you in court. So far heard no more but im sure a revised invoice for a higher amount will turn up. My husband is not a well man and this scares him and is worrying him unnecessarily.

Hi all, I haven't been on here for a while but thought I would put this on here in hope of some advice. My father who is the owner/keeper of the car that received the PCN and my mother who are both holders of Blue Badges and in their late 70's/mid 80's. I was the one responsible for parking in the disable bay which as far as I am concerned had a perfect right to do so, but inadvertently forgot to put the badge on display due to having to physically lift a mobility scooter out of the car and help my mother into it. My father in a panic over this PCN started to fret about finding the £100 to pay it. I told him not to pay and write and tell them what happened and to give the details of the Blue Badges. As you have probably guessed they still want their pound of flesh. I have now received a letter telling me I can appeal to IAS. Any help will be greatly appreciated. WIDYCHI

In January I had an appointment at our local hospital for back to back sigmoidoscopy and gastrosopy. Understandably I was extremely scared and when parking in a disable bay I forgot to put my blue badge up. It was the last thing on my mind. I was in the hospital from 8.30 to 11.30 and when we came out we pad the parking fee and I found I had a parking ticket from te private parking company I just ignored as a friend of mine did hen she got a parking ticket from them and after she ignored letters they seemed to drop it. I was justified in parking there as I had a blue badge which is valid until 2016 but the company have continued to harass me and I have now received a demand from a debt collection agency. I have two incurable illnesses and stress can affect my heart I have to admit that I am shocked that hospitals can allow the harassment of seriously ill people who they are supposed to be helping . The debt collection are demanding £80 which we don't have as we are upon limited income. I understand that they don't really have any legal powers ad private car parks are covered by civil law so their previous threat of a criminal record doesn't wash what do you think I should do now and what if the debt collectors arrive . The strain might quite seriously be too much for me

I bought this car from a dealer in January (almost two months ago) and noticed the car emitting blue smoke from exhaust and later on from dashboard. I can only use the car on weekends therefore it took me so much time to notice this issue. The ABS sensor for one of the tyres also started malfunctioning within the first month (almost 300 miles) and the dealer had changed one of the ABS sensors before I bought the car so it could be the same tyre's sensor going faulty. I took the car to Halfords via my warranty provider who so far only confirmed the ABS sensor fault (it had taken me 5mins to find this out using my code reader) and need more time (and money of course) to find out what exactly is causing the blue smoke however they might strip off the engine. I had contacted my dealer almost 4 weeks (driving the car for the 5th or 6th time) after the purchase date and clarified my intention about the refund however he encouraged me to take the warranty route first but obviously after finding out what the faults are I wouldn't like to own this car any more. So far I have driven the car almost 500 miles, could anyone please advise if it is still reasonable to reject the car or shall I only insist on repair?

I need some advice on something with regards to having to display signs within a car park. My mum went to the local co-op on a Sunday evening around half 4. There is a car park at the side of the co-op which is free to park and thought it was the co-ops car park. She is a disabled badge holder and now in hindsight she should have put them on the dash but as she didn't realise it's a council car park and clearly being well out on the outskirts of town a traffic warden shouldn't even be around that area as it's nowhere near anything. So she entered the car park and parked in a blue badge holders only bay. She went in for some shopping came out ten minutes later to find a ticket on the car for not displaying the badges. She appealed saying firstly that it didn't state that she had to display the badges as there is no signs or terms and conditions for the car park, she also sent them copies of her badges her car details showing the car is registered disabled to, they replied saying on the other entrance to the car park that there are terms and conditions on the car park laying out the laws. She told them that there was no sign on the entrance that she always uses they say that she should have gone and looked around the other entrance which is not near where the co-op is and being disabled shouldn't have to go walking and looking around a car park. Is there anything she can do and do they need to show signs on all entrances to a car park or should my mum gone walking all around to find if there are any terms and conditions for a car park. Thanks.

Hi All, I co-own a property with my ex. I moved out due to separation in 2013 and at the moment until finances are straight, the mortgage is in both of our names. As the property is a new build, the water pipes and network is owned and managed by a private firm known as Blue Property Management. This is a private company to whom we have to pay yearly charges to to look after it and maintain etc etc. There are arrears on the bill when I contacted them last year after much deliberation from them they reluctantly decided to accept £10 per month from me in order to bring the balance down. Ever since this agreement was reached, I have been paying this amount on a monthly basis. It has only been a few months however. Today I have received an email from them advising that should I not pay the balance before the end of March they will take legal action and issue proceedings against me without further notice. Unfortunately, my ex is not in a position to help financially. They have also added charges on for arrears, an £87 pound charge for a reminder which wasn't received and not necessary and have now passed this through to their legal department. I obviously don't want any legal action to be taken against me and I don't know what to do or what to say to them. Can anybody provide me with any advice as to the unreasonableness of the company? Many thanks

The heading says it all. My partner has a blue badge and we have a disabled parking space right outside our house. Sadly we forgot to replace the badge on the dashboard after using the car yesterday and were given a ticket. Other than throwing ourself to the mercy and kindness of the authorities is there any way of avoiding the ticket. It is a local Council ticket and they were the ones who issued the blue badge and placed the disabled space for my partner when she was registered as being disabled.

Hi, I parked my car in a pedestrian street that allows blue badge parking but received a PCN for being “parked in a restricted street during prescribed hours’. I contacted the council to make an informal appeal but they’ve just replied saying the PCN is valid as I’d been parked for more than 3 hours. I wasn’t aware blue badge holders can park in no waiting areas (I thought they were treated the same as no stopping areas) so I only parked there because there was a blue badge sign. I thought this overruled the no waiting sign and meant I could park for as long as I liked as there were no yellow lines on the road or anything else to indicate any restrictions. Here is a photo of my car and the sign. Any help appealing against the PCN would be greatly appreciated. Thanks.[ATTACH=CONFIG]55349[/ATTACH]

On Saturday I received a letter from Black Horse, completely out of the blue offering me a settlement of £830 as they had neglected to insert a right to cancel in a PCP car loan deal. I finished paying off the finance about 3 years ago and they wrote and said that in my annual statements they had neglected to inform me of a right to terminate the deal early and that they are no longer due the interest I paid during this period - £830 I didnt apply for a refund, or know I was entitled to one. They seem very keen for me to accet and cash a cheque quickly. Is this normal? Thanks

Hi, Wife received letter of action to issue a CCJ for a debt that's well over 7 years old, had no contact with any company or made any payment at any time over these 7 years. Logged in online to the courts site and disputed the CCJ with the fact that's its statute barred and at no time has she ever been in contacted with said company or made any form of payment towards said debt. The court replied via letter saying they have informed the company and await a reply. Yesterday she received the following: "Please see attached copy letter sent to the court confirming that the claimant wishes to proceed with the claim at this time. The claimant agrees in principle to mediation. We should also be grateful to hear from you in relation to without prejudice negotiations and you may contact us on xxxxxxxxx". And......... Thank you for providing us with the defendants defence. Our instructions are that the claimant wishes to proceed with the claim. That's it so far. If I call them or acknowledge these letters isn't that then case of accepting liability to the monies due. The above is in regards as follows: Q What was the old debt for and how much are they claiming? A: Capital One £726.85. Q How do you know it is statute barred? A: Its well over 7 to 8 years old, been in current house for 7 with no contact until now. Q Who is the debt collector? A: Lowel Portfolio I Ltd Re: Lowel Finacial Ltd. Company issuing CCJ is Bryan Carter Solicitors LLP. The order says they purchased the debt on 14/08/2009. What now?

I am writing on behalf of an elderly 80-year-old, seen your Forums in the past, and hoping you might be able to give me some advice on his behalf. Mr B was given a PCN by Kingston Council for driving in a bus lane. He has had several periods in hospital, and therefore the matter has now been processed to bailiffs, Collect Services, who have now called twice at his property (despite being advised he is a vulnerable person). A complaint was made to Collect and a copy of their complaints procedure requested. No response has been received from that, and a complaint has been lodged with CIVEA, but he has today received the letter below, which has caused him great distress "Dear XXXX XXXX Due to your failure to settle this unpaid Penalty Charge Notice(s) your vehicle has now been included on our outstanding pcn ANPR database. In the event we LOCATE your vehicle it will be REMOVED and taken to auction without any further warning. Additional costs of £xxx.xx will be incurred plus auctioneers costs." The car is his sole means of getting around (he can barely walk a few yards) and displays a blue badge registered in his name. I had always believed (and indeed have seen on the Citizens Advice Website) that a car displaying a blue badge and for the use of a disabled person cannot be taken by bailiffs. Is this correct. If so what steps should now be taken. The car is in his driveway (he has no garaging facilities or anywhere else he can leave the car) and he is quite upset that these people (who have already been very aggressive with a carer who answered the door for him). Can they take this car with the blue badge? Should we write to them? Is there legislation we need to quote? Any help would be much appreciated. He cannot afford the amount they are requesting (now over or near£600), and these bailiffs seem to think they can just walk roughshod over whatever regulations are in place to help vulnerable people like him.

Hiya guys Posting this for a neighbour who's today received PCN for parking on a DYL (01-Parked in a restricted street during prescribed hours) Familiar story that the blue badge fell off the dashboard. The badge belongs to his wife (yes, she was with him) Ticket was issued in Biggin Lane , Hitchin opposite the market, vehicle parked wholly on the road, not up on the kerb. I've had a look at his PCN as well as on Google maps at the location and can't see any errors in the issuing of the ticket. My feeling is that he can only appeal with the facts and hope they are a sympathetic council (not holding breath), but also that there's no harm in running it by you more knowledgeable lot than myself Thanks

I hope that this is the right place to ask for some advice. I receive DLA HRM and have done so for over 20 years. Just over 3 years ago I found out that I could have a Blue Badge because of my DLA award. I applied in June 2011 and it was given to me with no problems. However this time round when I asked for it to be renewed, the council refused to supply one. They told me that I had not sent in any up to date evidence to support my mobility problems. I understood that HRM made it automatic but it doesn't it seems. The council have told me that the award would have been based on old evidence when the award was made and for all they know I may have had a massive improvement and not told the DWP. They directed me to their website which clearly says what I should send them. Unless I can prove that my mobility problems are just the same today as they were a few years ago, then no Badge. This is what the council's website says which I must admit I never dreamed of looking at when I reapplied Send us: 1 recent passport size photograph a copy of a document confirming your address, dated within the last 12 months a copy of a document proving your identity proof of any benefit that means you qualify automatically recent medical evidence of your disability a cheque or postal order for £10 made payable to Kent County Council (if you haven’t paid online or by phone). Is this right?

Hi All, Just been reading another thread and thought I would re-post about my problem with Welcome Finance. I took out a secured loan in 2006, the property was repo'd by the original mortgage lender (I gave them the keys instead of going to court). Welcome got a payout of 10G from the sale, I thought that was that. About two years ago they came back to me demanding a further 10G as it was a shortfall, so began a very long and inevitably fruitless complaint with Welcome. All until the last letter that I had which stated: "The loan was pre-paid, which means the loan was in CREDIT at that time not necessarily settled" I've sent my complaint to the FSCS on the advice of the FOS, however am I right in thinking that they should have settled the loan and gone no further? As they are a failed company guess they are trying to get as much money off people as possible.

There is a very annoying short bus lane in Romford, which makes cars have to go around it if they want to turn left on to the A12. Many cars (including me) ignore this and just use the bus lane. I havn't got a fine, nor do I know anyone that has, but I see a lot of confused people straddling both lanes, including my father than recently brought it up. There used to be a sign with the time restrictions, however the sign is no longer there. Are the same restrictions still in place? Here is streetview with the sign in place. https://www.google.co.uk/maps/@51.588407,0.171717,3a,75y,126.18h,86.06t/data=!3m4!1e1!3m2!1sReS--ARWQwjtIp_gSHvcjw!2e0

hi all, i've just had a leter through my door from marston group saying i owe £408 for 'offence:board train in non compulsory ticket area withou. 27/01/2014' (sic). they say they're in possesion of a magistrates court order. i have no recollection of this and believe it to be false but there aren't any contact details other than the 24hr automated paymeent line. should i go straight to the court? also, will it be my nearest magistrates court as there are no details of which court or where this 'offence' took place. there is a hm courts and tribunals service ref but i can't find where i'd use it on the hm site. any ideas? cheers alex

Hello again guys, I now have another problem with a different company and as you can guess from the title it is British Gas. I came home from work today to find a letter addressed to me from British Gas and I thought that was odd as I only have gas and it is a card meter. I thought it may just be a letter informing me that they wanted to rape my wallet further. How wrong was I, it was a letter stating I owe them £516.62, I have no idea were this figure came from as stated before I may use about £20 of gas every three month or so as it is only for the cooking and heating. the letter essentially says that I have fallen behind with my agreed weekly gas payments, I have NEVER had anything of the sort agreed with them and I have never owed them anything maybe the odd £5 of emergency credit but I put it back on within the next couple of days. I also noticed on the back of the letter were it showed the amount owed it also gave the date 07/03/2011 for when the meter was fitted, the meter was here well before that as it was here when I moved in and that was 01/01/2011. I have spoken to my Land Lady and she doesn't know anything about owed money from previous tenants but she will find out for me and also she also doesn't agree with the date they gave for the install as it was there when the people before me rented the place and I know who they were as they are my ex half brother and his other half and they did have money issues as we used to get a lot of debt letters but none relating to British Gas. So what would you suggest I do? I did try calling but due too my work hours I missed there opening hours and I won't be able to call till Monday. All help appreciated. Cheers

I wrote to Royal Bank of Scotland on behalf of Mrs Sam over a year ago. She had paid PPI on a credit card and she thought that it might have been mis-sold. We got a letter back from RBS which fobbed us off basically. Mrs Sam didn't need the hassle, as she is unwell, so she didn't pursue it. Last week she received a letter, totally out of the blue, from RBS which states that PPI may have been mis-sold. They have asked her to fill in a questionnaire and return it to them. The gist of the letter appears to be a question over how such policies were sold to self employed people. My wife has been both self-employed and employed through companies over the years. I'm not sure what her status was when all this happened. I will investigate that. To precis their questions they want to know: Employment status when PPI taken out - Employed; self employed; director etc Any underlying medical conditions at that time. Why she doesn't think she wasn't eligible for PPI at the time or policy was not fuilly explained at time etc. Did she not understand PPI was optional? Did she not choose to take out policy with credit card? Was she pressured? Was the cost not explained? I'll investigate all of this and respond as best I can. But, are they setting me any traps here? Am I being paranoid? I'm guessing that this is a standard questionnaire.What are my 'do's' and 'don'ts'? Thanks for any advice received.

I have received my new Blue badge and a letter which states; "Do not place this new blue badge inside a wallet with a clear plastic pocket as this may cause damage to the hologram on the badge when exposed to high temperatures" Many BB holders have these type of wallets as they are convenient and they are not exactly cheap. We never had this sort of warning with our previous BB. Not sure whether to take the chance and place it in the wallet or not? BTW are we required to return the old BB to whoever issued it as it is a requirement for the new one?

Hi, I recently parked in a Disabled Parking Bay policed by my local Council , Maidstone. I like many others hide the Blue Badge to prevent theft and so must remember to get it from its hiding place. On this occasion I forget as I had just received a disturbing letter and went to discuss this with Citizens Advice. When I returned to my car a Fixed Penalty Notice fpn had been issued for failing to display the Blue Badge. Although I showed the Council that I had a valid badge, the fine remains payable. What I would like to know is the actual Offence and under which piece of legislation the Offence of Failing to display a Disabled Badge permits the issuing of a fixed penalty notice. I thought that once it was ascertained that there was a legal right to park in the bay that the fpn would be cancelled, so as the council has not, what is the offence and what legislation is being used to obtain extra cash? I have looked at the Road Traffic Regulations 1984 but I believe this act must be out of date as it discusses the Orange Badge and 'her' as the Secretary of Transport. I only have a few days to make the payment so any replies would be most welcome. Thank you

Following on from a few threads on MSE, and Pepipoo, where one poster has been very keen for posters to start claims against PPC's using the Equality Act, if they use a requirement to display a blue badge. The argument has been the Equality Act applies to motorists, and "reasonable adjustment" should be made, and very little if any proof is required of any disability, let alone a blue badge, so the PPC is acting unlawfully to the Act. The Equality Act obviously does apply, but another poster asked the question, why can the council insist on a blue badge, if no-one else can, as the Equality Act applies to them in the same way. Are they also acting unlawfully? The MSE/Pepipoo poster hasn't made their views known on this one, so the other poster has questioned ref the Congestion Charge, and Westminster Council directly about it. To quote "I have a War Disability Pension which proves the point of my being disabled, so would a ticket for use of a disabled bay on the high street without displaying a blue badge be classed as discriminatory, or is it the case that an appeal based on an actual disability without having a badge be likely to win an appeal?" And the answer "Thank you for contacting Westminster City Council regarding disabled parking. I understand from your email that you do not currently hold a Blue Badge but believe you are entitled to the same benefits when parking on street. While I appreciate your opinion on this matter, I would advise that this is not the case. In order to gain the concessions available for disabled drivers a Blue Badge must be displayed in the vehicle. You have referred me to section 6 of the Equality Act 2010, which defines a disabled person but does not make provisions for their rights to parking concessions. As a disabled person you have the right to apply for and hold a Blue Badge, local authorities will not be required to grant you parking concessions if you choose not to exercise that right." As the poster commented "So as far they're concerned only a blue badge holder can be disabled????? " Who's right then? The councils, and what's to stop PPCs using the same defence, or are all the councils breaking the Equality Act? I know the blue badge scheme applied to councils, but it cannot give them any right to break the law, ie the Equality Act, or if they're not, why can't PPC's use the same get out. The Equality Act applied equally to all here. I wonder if we'll be seeing lba to councils for discrimination? One to watch I think. http://forums.pepipoo.com/index.php?showtopic=78206&pid=811127&st=140entry811127