I often pick my daughter up after work from the town centre bus station. It's a one way system and I have to drive through a car park to get to the bus station. She's usually walking through the car park when I get there but a couple of weeks ago she (or the bus) was 15 minutes late and I waited at the exit of the car park. Today I received a parking charge notice from Parking Eye for £100 as I was in the car park for 17 minutes in total. The notice is addressed to my husband, as he is the registered keeper, but I am the main driver. At the time my daughter was also insured as a named driver (we'd added her to the policy for 30 days to get some practise) and in fact, although I drove into the car park, she drove out. The photos on the notice show the 'L' plates on exiting. I've read through quite a few of the stickys and posts on here and think my best course of action is to write to Parking Eye as the registered keeper but I'd like advice on what to put in the letter. My husband was out of the country with work at the time, is it worth mentioning this or should I just say he is not obliged to name the driver? I would never intentionally not pay for parking but feel £100 is totally excessive. In future I will drive straight out of the car park and wait on the road for her. Any advice would be greatly appreciated.

Hi everyone, I hope someone can help, my daughter received court papers from northampton from parking eye for overstaying in a paid carpark over in july 2013. She had not received any previous letters from them just the court papers. We wrote two letters to PE asking for further details which were not replied too, then we aknowledged to the court that we would file a defence. We put that no previous letters had been received and attached copies of the letters we wrote asking for further information. PE have now sent a pack of legal statements but say that we are confused on the date of the parking by 3 days but all we had to refer to was the date that they sent as part of the court claim form. According to the court papers they started their letters 3 days after the parking I think this proves we had not received any of their letters. She definately didnt get any other letters, they say they sent 4 letters to her but have only have included copies of 3 in their claim? They havent mentioned the two letters we sent asking for information but say that no popla appeal was made, none was made because we weren't aware until the court claim form came through. They have now tried to intimidate my daughter who is quite upset and they have said we can't add any further docs to the defence and I was hoping to get some advice as to where we go from here. Many thanks synth

I hope I can explain this easily. Basically my daughter was persuaded to leave her part time job with a large high street shop. Her boss wasn't particularly nice and ridiculed her for her dyslexia. A person we have known for a number of years has her own beauty salon and knew my daughter ( a trained beauty therapist) was unhappy and asked her if she would work for her in the salon and she would make sure she had as many hours, 16. So my daughter resigned and moved to the salon. Then the real problems started! The owner decided that she needed her to refresh her skills for a fortnight first before she would start paying her. Then said she would get half the treatment cost and the salon the other half. Then, changed again to say the therapists would get paid £6.50 per treatment hour. What this means is that my daughter goes in 10-5, 5 times a week but in a day often does the equivalent of 3 hours per day treatment. It is not as if she can leave the salon as the owner expects her to answer the phone or clean the treatment rooms. The owner has not asked my daughter for her p45, national insurance no or anything. She has now been at the salon for about 6 weeks. A week or so ago, my daughter was admitted to hospital with a severe kidney infection and spent 6 days on intravenous drips. She asked me to ring the salon owner and ask if there were and sick pay arrangements. The owner promptly rang my daughters mobile (in hospital) and started going mad at her saying at 22 she was too old to ask her mum to ring about her work life, that she wasn't employed as she was on a zero hours contract and that if i interfered again she would let my daughter go. My daughter only asked me to ring because in hospital her mobile signal was intermittent. She has been out for a few days now and gone back to the salon as she is terrified she would not be able to claim jsa if she walks out. I worked out that my daughter has effectively been working for less than £2 per hour. This woman is also taking untrained girls in off the street and telling them that because they are on zero hours contracts they can claim jobseekers aswell which i know is illegal. These poor girls are going to be in so much trouble when the jobcentre figures things out. The salon is literally 200m from the jobcentre. I dont know how to help my daughter as she has been badly manipulated but feels trapped. Any advice?

My daughter moved into a council property last year, since then she has been inundated with Debt Collectors letters and door stoppers regarding a previous tenant. It has now gotten serious as a Marstons Baliff with a Court order to her house saying that he intended to take away goods to sell at auction (that would be funny as she has nothing of any value). She told them that she has been fighting off people about this guy ever since she moved in, also, she has shown them a copy of her tenancy agreement, she thought that she had seen the last of them, but, at about 7 am this morning they came again with another letter stating that they will attend to seize goods soon. This is absolutely preposterous, she has shown them her tenancy agreement. I have told her to ring both numbers on the letter and to tell them AGAIN that she is not the person that they are looking for, I have also told her to tell them that this is now harassment and she can do now more to prove that this bloke no longer lives there, I have also told her to ring her tenancy adviser at the council to see if they can do anything to help. Is there anything else that I can do to help her? Thanks for your help in advance.

My step-daughter has been hassled by PPI claims companies telling her she is due a big windfall if she claims. She knows enough not to go with them and to let me help her, but one seemed to have done some checking already and I'm not quite sure what to tell her. She had a card from CapOne many (10+) years ago. She lost her job, couldn't pay, it went into default and eventually to a series of DCA's but is now statute barred as it's well over 6 years since the last payment or any acknowledgement. She's ignored all the DCA letters. The guy on the phone told her that he knew the account had gone through the debt collectors and that if she made a claim against the credit card company then the money would come to her, as they had long since sold the account on and had no claim to the outstanding balance. In other words, she would not be forced to use any PPI award against what she had owed back then. Because the debt was now statue barred the DCA could not claim anything, all they could do was to ask, if they found out. It sounds a bit too good to be true and I've tried reading more threads on this site, but not found anything that specifically deals with this issue. She does not have any paperwork but thinks the original card was limited to £750 and they increased it after a while. When she lost her job the card was maxed out until the account was limited by CapOne. What she is bothered about is spending time and money, the £10 fee for a SAR, and ending up with nothing. She had thought it was all done with and forgotten about, apart from an annual statement of account being sent by one DCA. On the other hand, it would be some compensation to her for the hassle she had with DCA's who phoned her at work, contacted neighbours, sent a doorstep collector to her boyfriends house and so on. That's not to dismiss the fact that the original debt was cause by her non-payment, but due to being unemployed and the PPI not being understood at the time. She may have made a claim had she realised back then, but too late now. Just wondering where she stands on this.

Hi, My daughter has been caught by this so called offer. They took £150 from her account instead of the £5. I told her to ring her bank a certain bank owned by us in Scotland and they wont do anything. She has been onto Action Fraud and got a crime number and still the bank wont budge. Any suggestions JJ

I'm currently going through a rough time with my Landlord (LL). I've had to resort to getting the local council to force her to do work on my property. As part of this they arranged in writing for my LL, her husband and a builder to look around. On the day she turns up with her daughter in tow, I say she can't come in as I was not notified about her visiting. She forces her way in and wont leave despite repeated requests to do so. I call the Police who advise that its a civil matter as they'd be unable to unpick who had what rights on the spot. So: Is that trespass? She's only the daughter with no role in the repair or business in relation to my property and was just there to gawp and sneer. I asked many times for her to vacate. Now my LL has a right to look the place over, she can have her husband as support and the builder will be doing the work so I have no issue with that. What might be my rights here?

Hi, my daughter needs some help and advice. Apologies in advance for the length of the post. She works as a care assistant in a home for mentally challenged young men. Two weeks ago there was an incident when she took one of the boys to his music lesson. Whilst at the lesson the boy did a poo in his pants which she had to deal with. To cut a long story short the music teacher complained to head office saying that my daughter had: a. had refused him food and drink before he attended his class b. refused to clean the boy up c. shouted at him d. left the loo door open for all to see e. called him a "walking disease" The first that my daughter knew that there was a problem was when she received a disciplinary letter with a copy of an unsigned/dated witness statement from the music teacher. The hearing had been arranged for the day following receipt of the letter. As it was my daughter had to postpone the meeting as it was early in the morning and she is currently suffering badly from morning sickness. When she rang on the morning to rearrange she did point out that she had intended to attend but they hadn't given her reasonable notice to prepare for the meeting/arrange for someone to attend with her. The Head Office response was basically "tough" we can arrange a disciplinary meeting whenever they want. When the letter for the rearranged meeting arrived the charge had been increased to gross misconduct. When my daughter spoke to her manager she said that they had increased the charge because she hadn't attended the first meeting. Surely they can't do this can they? At the meeting my daughter asked why the charge was now gross conduct and they said they had been advised by their employment consultants. So which is the right version? Anyway she explained what had actually happened and how the allegations against her weren't true and how the statement contradicted itself. She also pointed out that there were no safety gloves available which contravened the companies infection control policy. Interestingly the same thing happened the following day when the boy went to college (different care assistant) and he had to be taken back to the home for cleaning up. As a result of these two incidents whenever the boy now goes out the carer takes gloves and a spare set of clothes. Anyway, fast forward and she received a letter to day issuing her a final written warning stating the following reasons: a. she broke the companies care standards by shouting at the boy, him losing his dignity etc b. how she should have taken safety gloves/spare clothes with her, even though there is no mention of this in his care plan and no other carer had in the past. In fact the care plan has still not been updated since the incidents My daughter feels that she has been unfairly treated and is going to appeal. The points she wants to raise are: a. How the disciplinary charge was "grossed up" unfairly b. how they haven't taken into account about how she explained how she dealt/spoke to the boy and they are taking the side of a witness who isn't trained in how to care for the boys and whose evident can't be collaborated c. the company failed to provide correct infection control facilities and how her manager should have advised her if a special arrangements should have followed Incidentally she never received or was directed to the current disciplinary procedures when she joined the company over 2 years ago, the reason cited was that they were updating the staff handbook. The first time she had seen the procedures was when they were included in the SECOND letter. Also she has an exemplary disciplinary track record and hasn't had any warnings of any sort before. Sorry for the length of the post, any help/advice should be gratefully appreciated

Hi everyone my daughter who was 17yrs old at the time, was caught shop lifting from boots last month, she walked out of boots with a small pack of wipes and a sandwich. She was on her lunch break from her part-time employment so was in her uniform. It would seem a genuine mistake as she was chatting to friends who had just come into the shop and she forgot she had items and followed everyone out of shop. It wasn't until 4 days after this incident that the police rang my house asking my daughter to come to the station. They had CTV images of my daughter and friends in store and because she had another shops uniform on the police asked her manager for her telephone number so they could speak with her. We went to station same day and she was cautioned and given a penalty notice of £80. Police were only interested in knowing if she realised her mistake after walking out of shop, to which she replied "YES" She did in her defence tell me the day after that she had walked out of boots and forgot to pay. But even after all this they still said she would be better off taking fine as if it went to court she could get a criminal record. So we reluctantly accepted it and thought this would be the end of the matter! Well we have received 3 letters so far, one from boots stating my daughter is barred from boots, then two others from RLP asking for immediate payment of £163.99 there is no break down of costs, just 3 pages of dribble about loss of earnings and time. My daughter has now turned 18 and is worrying this will damage her credit rating and they have said "Failure to pay amount due under our civil action may result in: County / Sherrif court proceedings being brought against you The value of the claim increasing You may have a judgement awarded against you which may affect your credit rating My daughter is extremely anxious, she has no job now and is a fulltime student with no income. I'm hoping someone could advise me on what to do next.

Hi, Would be grateful for any advice regarding my daughter's Capital One CC. She got the card in July 02, got into financial difficulties and charges/inflated interest were added to the account. Cap One defaulted the account in 2008 and then sold the debt to Capquest in Nov 08, the balance was £1907.90. She made payments to Capquest of: 3/2/09 207.90 27/2/09 200.00 30/3/09 200.00 leaving a balance of £1300 Capquest offered a discount and she paid £975 in settlement. She has letters confirming the account is closed and the balance £0.00. It is reg in Capquest's name on her credit file as settled but they did say "Please be advised that this account was partially settled, therefore the default will not be removed from your credit report but will show a special flag symbolising that this account has been partial settled and closed". She wants to reclaim the penalty charges and PPI, so she sent and SAR to Cap One. When she received the information, the CCA is marked that she did not want PPI on the account but they have added it, no problem on mis selling on that point. She has found though that Cap One still have the up to date balance as £1907.90. If she makes a claim on the penalty charges/PPI, can Cap One try to offset against the balance they say is on the account?

my 20 year old daughter recently had her car insurance voided because i did,nt put down her criminal conviction, so third parties claimed and were paid out, now the insurance company is making a claim against my daughter in county court, she is worried she may lose her car, anyone had experience in this sort of case, plus it,s at birmingham county court and we live in middlesbrough

Hi hope someone can offer some advice, my daughter is a single parent of two boys, up until last year she successfully held down a job and looked after the boys, then stress and depressions became too much as one of the children has behavioural difficulties, she went on sick leave from work and in April this year was finished from work on ill health grounds. It has taken a few weeks to sort out housing benefit and council tax benefit and money for her and the boys, in a ll the time she has provided sick notes from the doctor stating she was unfit for work. She then had an appointment to go see a DWP doctor and and the resultant letter stated that she was not entitled to sickness money, so she appealed, housing benefit has been suspended along with council tax benefit and she has only £100 per week to pay everything including rent and C/T, she is tearing her hair out and is worrying herself into an early grave, At the same time the youngest child , although bright, is having difficulties at school, can't read and write and as said previously has behaviour problems, the school psychologist is involved along with the school and support workers and he is waiting to be statemented, as she says she couldn't currently work even if she was fit as she has appointments at school, with social workers etc etc, Is there anywhere she could get any additional money from during this appeal time?

Good evening to all. My 17 year old daughter has been foolishly duped into giving her bank card details to one of these makeover / photo session studios today and was hoping to get some advice on how to deal with the matter. It started with her being approached recently in the high street by a young lady who took her contact info and said that she would be entered into a competition for a free makeover, photo session and complimentary picture. She subsequently received a call today from a guy to announce that she was one of the lucky winners and he proceeded to take her card details for the purpose of securing a deposit against the possibility of her not turning up on the day, although the deposit would be fully refunded 7-14 days after the session. She then started to become concerned over his pushy attitude and said that she wasn't sure if she wanted to go ahead with it and he became even more stroppy and said that she would lose her money if she cancelled it, he then hung up on her. She finally decided to fill us in on the whole situation, so I called the bank and they confirmed that a card payment had already been processed to the company in the sum of £70.00 and they were unable to reverse it as it was still going through authorisation (which seemed a bit odd), so we would have to wait for it to show up on the statement and then they could try and recover the payment. My Mrs telephoned the studio and briefly spoke to what sounded like one of the "phonejacker" brigade and he also got stroppy and hung up. Meanwhile the studio emailed my daughter the booking confirmation which also outlines their terms and conditions. I would have thought that some sort of consumer protection regulations might apply here. Isn't there a requirement to have a cooling off period? Can they retain a deposit from a 17 year old? I would greatly appreciate it if anyone could advise on where she stands with this situation. Thanks

Daughter been in WRAG group since end of last year she as mental health, she left work in August 2011, she had been struggling to maintain a job. Since being placed in WRAG she as been diagnosed as Bipolar and after many tests etc starts on 3 lots of medication under mental health in 3 weeks. My daughter is supported by us but lives alone in a 2 bedroomed house she is 25. Most of the time she is very low but she also as highs but not that often. She as seen Job Centre Plus once, they made her another appointment then changed it to end of July, since then they have changed it again back to June we thought this letter was an overlap so ignored it, Job Centre rang and were very snotty about her failing to attend and said the appointment was most urgent as it is a interview. Swapping appointments left right and centre is a great way to push someone over the edge with mental health. We recently appealed low rate care disability and the notes from her ESA interview was sent back with the papers the Nurse who carried out the interview recommended a return to work within 6 months, this is ridiculous, my daughter as not even started on medication yet and lacks any form of motivation. We have appealed her being in the WRAG group 2 months ago I rang them Friday they said they cannot say when this will be dealt with. My daughter is in no state to keep attending any form of interviews at Job Centre Plus, these ESA`s are not fit for purpose and being in the WRAG group and all the stresses with it are making my daughter much worse, these at DWP do not understand the different effects of mental health they effect each individual differently yet they are grouping them all the same. My daughter should be exempt from being in the WRAG with how she is, she is getting so upset about having to attend an interview this Wednesday, yet I assume if we do not somehow get her there her ESA will be stopped? I do not know what to do next she is at Mental Health in 2 weeks they said at her last appointment she is a danger to herself and others if she worked.

My daughter has had her WTC stopped suddenly without warning as they say that they believe her husband is still supporting her. He is a soldier and has been living at camp since they separated over two years ago. He even has a new girlfriend. My daughter is still in the army house because the council will not rehouse her. They said she has been overpaid because of this and she has sent a letter from the army to prove where he is living but they say that he is still "financially linked " with her on her credit report! I think that he hasn't changed his address on his car insurance as he still visits to see the children but can they do this? They've left her without money!

My daughter has been accused of stealing the days takings are the club she works in. They say she was fiddling with her sleeve on the CCTV and they cant see her actually put the money in the safe, but saw her go to it. She has a meeting on Weds and they say she has to give them a satisfactory explanation of what happened to the money!!! They have also told her who she bring and thats another young girl and cant take the older guy and they have told her not to discuss it with him. Her grandad is a retired union rep, is he allowed to go with her and also what should she be asking and doing, nothing like this has ever happened to any of us before so no idea what to do

I'll try to keep this concise; I pay for dual fuel with NPower via direct debit. They set the amount at £65 a month total, which THEY were splitting £60 electric and £5 gas (unknown to us!) This has obviously accumulated a debt on the gas primarily as £5 a month is nowhere near enough for them to be taking. When recently moving house, we discovered their error and a payment plan was set up to pay off the debt. Approximately four-five months after moving house, we received a letter stating our payment plan had now been cancelled. We have no idea why this happened. We did not communicate this to NPower in any way whatsoever. It was very out of the blue. We got back in touch to re-instate a payment plan, which we were told was possible and awaited further instruction. This was late September / early October. I did eventually receive a payment plan card which I should use to make payments off the debt via a Payzone outlet. The first payment they want from us (as detailed in THEIR payment breakdown confirmation) is 03/12/2012. Despite having this payment plan set up and ready to go, I have been receiving debt collection letters from Telemessage and Collections Direct threatening me with court action, bailiffs visiting etc... We have literally spent hours on the phone, being passed from one representative to another, having to explain each time why I'm phoning. Both myself and my Husband have spoke to different departments to be told, "there is a payment plan in place, don't worry, ignore any debt collection correspondence". The only problem is.. . these threatening letters keep coming! It seems if I take NPower's advice and "ignore" these letters, I'm going to end up in court to pay off a debt I have already arranged to pay off! My Husband has now got to the point where (bear in mind, we have been desperately trying to arrange some format to pay off a debt NPower allowed to build up) he believes they should write off the debt as it was their error at charging only £5 a month! He has spoken to them today and they have verbally admitted the debt was caused by the fact they were under charging for gas consumption. He asked for this acknowledgment in writing and they refused! He asked why they had cancelled the original payment plan and they claim they have no record of this happening (I have letters from them however, stating they have cancelled it!) He asked if they will write off the debt and they say it's impossible as we have to pay for the services we have received. Any advice is appreciated, I feel I want some sort of apology / good will gesture from them. Do you think we have any rights to demand this? Thanks.

Hello. I've read quite a few threads on here and elsewhere regarding these letters, but I was just wondering about our specific circumstances. My 15 year old daughter went camping one evening in August, and ended up further away from home than she expected (a long walk). She didn't take any money, consequently when she and her friends got the train home (one stop from Goostrey to Holmes Chapel), they were caught by the ticket inspector and their details taken. Now, a couple of months later, she has received a fare evasion letter threatening prosecution, which has worried us both immensely. She has never been in any sort of trouble before and is in the middle of GCSEs so we don't want this hanging over our heads. I am fairly sure that, if she writes to them on the back of the form explaining the circumstances and that she is extremely sorry, and also that we will pay the fare plus costs, she will not be taken to court. However, I'm hoping that someone on this forum could reassure us about this!

I am on Carer's allowance and Income Support. I also get Council Tax Benefit. My 26 year old daughter is unemployed and living with her boyfriend. She has applied for Unemployment benefit and is waiting to hear the decision but it appears that as he works she may not get anything. I am not sure about the rules concerning Income Support but wonder if she would be more likely to get the benefit if she moved back with me. Any idea anyone

My daughter came home to her flat this afternoon to find a letter from a bailiff threatening to come back at an unspecified time to seize goods to the value of etc. I should point out here that the debt concerned is for unpaid council tax arrears in her boyfriends name that he accrued at his last flat prior to moving in with her - none of the debts are in her name. I have done a bit of research on this site and have drafted a letter for her boyfriend to send to the bailiffs that will hopefully give them a bit of a breathing space so we can work out a plan of action. I'd be grateful if some other more experianced people can have a look and let me know if there is anything else I need to put in/take out before sending. [bailiffs Address] BY POST & BY EMAIL [Date] Dear Sir/Madam, Your Reference: [REF] I understand that [Council] has appointed your company to recover my Council Tax Liability arrears for [20??] of [£]. Firstly I would like you to know that I fully understand my rights within law and and am aware of the fees allowed under statute and when these fees can be applied. Further more I will not allow you to gain entry to my home under any circumstances to levy goods. In order to ascertain your authority to collect monies from me can you please provide me with a copy of your County Court Certification. Can you also provide a written itemised statement showing clearly a) the original debt and b) what additional charges have been made, what the charges are for and the dates when the charges were made. It should be noted that I am in no way refusing to pay this debt but simply asking for clarification of the total amount including charges in order that I can calculate a fair payment plan directly with the council. This letter is delivered by Royal Mail and deem it good service upon you by the ordinary course of post under Section 7 of the Interpretation Act 1978. It is now your responsibility and in your best interests that this letter is handed to the relevant person within your organisation. I trust that you are able and willing to provide the information requested within 14 days of the date of this letter. Yours faithfully COPIED TO: (COUNCIL)

http://www.itn.co.uk/home/47362/Cameron+leaves+daughter,+8,+in+a+pub