Hi There Wonder if anyone can help please. We were on holiday with the family in Mallorka and whilst in Mallorka tried to book our flights back home to East Mids Airport. Towards the end of the holiday we decided to start looking for various flight options with different airlines and used ryanair, jet2 and thompson websites to compare flight times and prices. Thompson has shown available flight in the day on the 24/08/2014 and we decided to book it and stay a bit longer. Bare in mind we have tried booking Thompson on a few occasions for a couple of days however they were showing flights one minute and then once the page is refreshed they would disappear. We thought it was due to their own holidays not sold last minute they would sell flight seats to general public at a reduced price, but they would disappear because it would have been sold or something. Anyway, we we happy with the flight time and date and proceeded to booking it. Booked and paid. Thompson booking process took only a few minutes - we have paid with the credit card and it didnt even ask for the security letters or numbers. As we were supposed to flight out in 2 days we thought we would check in at the same time and this is when we have realised that the booking was made for the 24/05/2015!!! Somehow , somewhere in the computer world the dates changed during the booking itself. We have selected correct dates in the original search, selected correct time and date for the flight and booked. Confirmation came however for the date in future! We checked and Thompson is non refundable airline. We called credit card company and advised them of the incident. When tried to go back and rebook the correct flight ( Thompson customer service line was permanently engaged) - they were no longer available!! We had to pay for another tickets with Jet2 in the end. Once were came back home we have raised this issue with Thompson - however they did not want to know and not even interested in giving us a credit note or vouchers to change for another date or flight or location. We are raising complaint with the credit card under s75 of CCA1974 Ironic thing is - we cannot fly out of Mallorka on the 24/05/2015 at 12pm as we are getting married here in the UK at 2pm! So its not like we have made a mistake in dates or anything. We are desperate to get the money back or credit towards another flight or a refund as not really interested in Thompson flights at all at the moment. Can anyone help with any suggestions please? thank you in advance

There was a default placed on my credit file by BT for an old account which was legitimately closed down in August 2014. I sent an email directly to Libby Barr of BT Consumer and the complaint was sent to BT's Executive Level team later that day. BT confirmed straight away that it shouldn't of been there and the account was not closed down correctly on their part and it left an outstanding balance which then defaulted. They also confirmed that there was not any correspondence sent out. BT have sent me an email confirming that the default is going to be removed. Recently we were declined for a mortgage due to this default being registered within 2 years which is a stipulation of the lenders criteria. It wasn't picked up on the decision in principle as they used Experian for the DIP however it was picked up on Equifax for the full application. This has set us back a number of weeks and there is a chance the seller could walk away not to mention the stress it has caused. I'm just after some advice with regards to compensation, do you think I'd have a chance of being offered some and how would you play it? Thanks

Daughter is expecting to receive an overpayment bill of approx. 2k for housing benefit Approx.. 12 months ago she was Made homeless L.A. (were very good with her) appointed her a homeless officer she was allocated homeless housing and her and her homeless officer filled in her housing benefit form she had to pay some rent as homeless property's come with a higher rent as they ate part furnished After 6 weeks in homeless accommodation she was allocated a house she was at work the day she was due to pick up the keys and the homeless officer took the keys to her work daughter asked her about her new claim for housing benefit for her new house homeless officer said she would deal with it as everything was the same and send her a receipt she was granted full housing and council tax benefit she didn't think this was right and phoned her homeless officer who went through it with her on there system everything was right income .tax credits ect . so it must be correct Not happy with that a few days later she phoned the benefits section and went through it with them again told everything is correct This yrs housing benefit came in and she has to pay rent she always had this little niggle in the back of her mind that something wasn't right and nothing had changed from the previous yr she phoned them they have asked her to take all her paper work to the local office so they can scan them and send them to housing benefit (and theirs a lot 100+ pages ) anyway she was going through them and one housing benefit rebate form has her working tax credit's on it but the one that was done by her housing officer hasn't (thence the 100% rebate) This is a lot of money and if she has to pay it back then that fine she will pay it however I would like her to go down the appeal root any thoughts on this

As the registered keeper, a PCC was issued on July 2015 via post from ANPR controlled car park with pay and display. I sent an appeal to Parking Eye with help of the forum and was given a POPLA code. I attempted to appeal via POPLA, but this was during the period of change from London Council to Ombudsman Services. A letter was sent from POPLA stating I will be contacted to submit my evidence in due course. Despite this I received a Letter Before County Council Claim. To which I sent a reply, stating I was awaiting an opportunity to submit evidence to POPLA. I received no reply and then got my County Court Form (N1) – stating that I have not taken my opportunity to appeal. I have taken the following action: 1) Complaint to POPLA - no opportunity to submit evidence – I have evidence from POPLA I submitted by intention 2) Acknowledged the County Court Claim to extend to 28 days for defence 3) Prepared a skeleton defence 4) Sent a letter to ParkingEye (Free proof of Postage) with CPR 31.14 requesting the following: a. Contract with the landowner that demonstrates the right to enter into contracts and make claims in ParkingEye’s own name b. Data that shows the parking event c. Signage map d. Terms and conditions 5) Taken photographs of the signage at the car park My questions: 1) Can I defend by stating that due to administration errors at POPLA that I was denied the opportunity to appeal? 2) Are they required to prove as stated on the County Court Papers – ‘no valid ticket’ - as the system involves entering your reg into the machine? 3) On my defence, can I use The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Does ANPR-controlled care park, count as ‘Automated Premise?’

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 , Recently received a ticket / invoice from smart parking requesting £40.00 etc , you all know how this works right ? on the "invoice" there was a picture of our car entering the car park ( free to use for customers ASDA ) at around 2pm and another picture of our car leaving around 10 pm ! Ok on the face of this evidence I was parked there for several hours and they issued their attempt to extort money from me. What concerns me is the fact that we visit the store regularly , sometimes 4 or five times a day ... its really our local shop. I remember visiting the store in Chorley , Lancashire several times on the day they have issued their invoice for and due to our frequency of visiting the staff know us quite well including security . I strongly suspect fraudulent activity on the part of Smart Parking, taking the picture of us entering on our first visit and our exit picture from our last visit several hours later. Has anyone else had anything similar where you KNOW your car was not parked for such a long period and you have visitad a monitored location several times in one day ? It has caused some distress with my partner who suffers from severe anxiety at the best of times . If I could afford justice I would sue the bleeders.. . but therein lies the problem . ..poor people have been priced out of justice

I upgraded my phone with Vodafone on 11 October 2015 and was offered £75 credit as part of the deal. When my previous contract finished on 18 September 2015, my automatic payment was stopped by Vodafone, resulting in £37.60 being unpaid on 18th October 2015. I was not aware of this. I made the payment after receiving messages to advise my payment was overdue (payment authorisation provided by advisor on 191 call). However, when I received my latest bill on 8 November 2015, a £62.50 credit has been applied as a charge together with Octobers payment of £37.60 plus a late payment charge! I contacted Vodafone about this via Live Chat and 191 on numerous occasions to be assured the bill has been recalculated and the matter has been resolved only to find out £177.33 has been debited from my Bank account. I have contacted Vodafone however there is conflicting information on my account. My local store tells me there is a hierarchy system issue. My Vodafone App tells me by bill has been paid and nothing is due, so does my account online, however there seems to be a problem with their systems which is causing me to receive inflated and a incorrect bill.

I appreciate any help and advice I can get on my case as I feel I have hit a brick wall with Vodafone. I will try and keep the summary below brief. In short I sought to upgrade my old 12m contract to a new 12m contract and upgrade my old iPhone 6 to a new iPhone 6s Plus. I placed a pre-order, only to receive a 6s and not a 6s Plus which was delivered around 5 weeks ago now. Phone was returned promptly as possible. Vodafone charged me for the upgrade via direct debit and have yet to refund me for the returned handset. Furthermore they have not rolled back my tariff as I was advised to ask them to do, and there has been a problem with my contract dates, meaning they do not see me as being owed a new handset, believing I have already upgraded. My old iPhone 6 has been associated with this new contract and I have had problems unlocking it as a result, to this day I have not been able to successfully unlock the phone. So to summarise, I am owed £385 plus the difference of my new tariff versus my old tariff (approx. £10 for the 2 months that have elapsed), an apology for the sheer incompetent and inaccurate customer service wouldn't go amiss either. Given the time elapsed I will soon be considering legal action if not resolved to my satisfaction. Long version: On Sep 12th, 2 weeks before the release of the new iPhone I received an email inviting me to upgrade. I called customer services and explicitly placed an order for a 6s Plus and agreed to a new monthly tariff. On Sep 24th I received an email from Vodafone thanking me for my 6s order. I queried with customer services to be told not to worry and a 6s Plus was on the way. On Sep 25th I took delivery of a 6s and not a 6s Plus. I called customer services who told me I could try and return the phone to store, but would most likely need to wait for a returns bag which I was told should be with me within a couple of days. 1 week on and I had not received a returns bag. Another call to customer services revealed a returns bag had never been ordered for me, but one would be dispatched. Extremely frustrating, but this time a returns bag did turn up. It was also confirmed to me I was due to pay for a 6s Plus and not a 6s, so appeared to be a "picking error". I received the returns pack and posted the unopened box back on Oct 7th, and can see via tracking the package was signed for on the 8th. No confirmation of receipt of return was given to me, despite customer services claiming I would be sent an email or text updating me with the status. On Oct 14th I called customer services to confirm they recognised I had returned the phone, which they did. I was informed I would be charged for the phone in my next direct debit payment. I asked if, given receipt of my handset, they could reverse this charge, but they said no. I was told the refund payment would be processed within 72 hours, but to this day there is no sight of the refund. I was given the option of cancelling the direct debit payment (including the contract payment), which I declined as I didn't want to end up in a situation where I was showing a missed payment opening a whole other issue. At this point I asked for my tariff to be rolled back to my previous contract terms, and was told this would be done. On 15th Oct I was unable to make or receive calls, despite having full signal. I thought this might have to do with a tariff adjustment. On visiting my local store to home this seemed to be a network issue that was resolved 3 days later, but over this time I could not make or receive calls via 4G. No notice from Vodafone on any network issues. On 19th Oct I visited a store local to my work to check on the process of my refund, my tariff change and my showing of eligibility to upgrade. Nothing had changed despite being more than 72 hours since I was told these changes would take effect. On 20th Oct I attempted to unlock my iPhone 6 which was now past its 12m contract date, only to receive an email saying I hadn't yet paid 3 months worth of bills on this device. It then became apparent my old phone had been linked to my new contract. A further visit to my work branch saw me have to repeat the sorry story again, and this time the sales rep sent an email to "HQ" telling them what needed to be done. I saw him type the email and it covered all the necessary points. Despite promising to keep me updated, this individual has not contacted me once with an update. The manager local of the branch local to my home has called sporadically but hasn't manage to resolve any of the key issues. On Oct 27th I sent a recorded letter to Vodafone head office, detailing the above points, requesting I wanted the above to be rectified; a refund for the handset and the excess tariff charge, to be able to upgrade my phone and to be able to unlock my old phone. It has been a week now and the letter has still not been signed for. I cant recall sending a recorded delivery letter and it not being delivered within a couple of days. I called customer services last night on 3rd Nov, explained my story again and was told it takes 72 hours for a refund and they had been promising this for nearly a month. I told her I had written a formal letter of complaint and would be seeking further action to recover monies that I am owed if not resolved, to which she hung up on me. Throughout this process customer service has been atrocious, plain and simple. Lies is a strong word, but it would appear I have been told false information on numerous occasions. No one seems to be able to help, and no one I have been able to reach in the company has any authorisation to override what is a relatively simple mistake, and a mountain has been created out of a molehill. I have spent hours on the phone to 191 and would estimate the average wait time is about 45 mins, and on more than one occasion I have been cut off. I will not hesitate to proceed with a small claims charge if need be. Vodafone have been quick to take money from me, and slow to refund, and have not refunded when they have said they would have. This has caused me some financial inconvenience as I have had to move money around to cover this handset charge that would usually be offset by me trading in my old handset. I would be extremely grateful if anyone with sufficient authority at Vodafone could contact me to resolve this (if this person even exists), and to also receive some advice on how I would prepare a case for a small claims court and what I should be looking to claim for. I would need to take a day off work, so would seek cost associated with this too. Beyond the financial aspects, I would like to receive an apology from Vodafone, for what is their error, but yet I am the one having to chase all loose ends to try and get a resolution. Thanks for taking time to read.

Has anyone else had this error? Had this error for a few days and it would not load or update. As always I looked around as many forums on this as I could. I eventually found this >> http://www.windows10forums.com/threads/update-for-windows-10-version-1511-for-x64-based-systems-kb3122947-error-0x80070643.5909/ I followed the guide it worked so now all sorted for the time being. So if anyone else has had this error and wants to sort it then this may help you out.. But you MUST use the elevated command prompt... For the elevated command prompt right click start hit Command Prompt (ADMIN) then paste the code that is in the link above Hit enter wait then it should be done.... Run the windows update to see if the issue is fixed (windows is up to date) last checked xxxxx Copy/paste the command from the PDF

Need some help please a few years ago i could not work and fell behind with my council tax and was taken to court which was my fault and i took it on the chin and agreed to pay the arrears off at £100 per month this plan is up to date and has never been missed. However the council use the same agreement number for arrears and the currant years tax and this is where the problem is. I was sent a letter to say i had missed payments on the currant years tax which i had not so i spoke to the council and they said they would sort it, next thing i know is a summons is at my door. So i attend court and provide receipts that show all my payments have been made both on the arrears and on the currant years so both are up to date. The council do not take records to court so could not comment and asked for the case to be brought back to court in a months time. So i attend court again and the council admit they have taken this years payments and taken them off the arrears along with the £100 i have been paying for the arrears. The summons is withdraw so i have now had 2 days off work travel to and from the court because the council made a mistake. I find it hard they they could not have withdrew the summons the moment they found out saving me a day of work and trip to the court so i am planning to sue them for the cost of my days work and travel to court

Hi all, Please could you help with the following issue. Around the 25th Oct 2015, I was due to complete on a few property transactions after buying at auction. On one of them, the finance deal that I had in place collapsed and I was forced to find another method of payment and so my Dad and other family members to see if I could get some cash together. Fortunately, they were able to help and I got the funds through in time to pay. Long story short, my Dad went into his local branch and did a CHAPS transfer for £25,000 which the bank sent to me twice. At the time, I didn't know how much each person was going to send so when I saw two lots of £25,000 come in from him I assumed that £25k was the maximum he could send in one go (as it is for my bank) and that he'd done it twice. Assuming that it had come through from my Dad, rather than as a mistake, I spent the money on getting the place paid, some work done, and some other payments that needed to be made. My Dad then contacted Barclays after he saw two faster payments had been sent instead of the CHAPS that he had paid for after realising that he was now way overdrawn. Barclays have put the money back into his account as it was their mistake and not his. Since finding this out from my Dad calling me, I have made contact with the Barclays employee who made the mistake to arrange a solution. He told me on Tuesday that he'd get back in contact with me Wednesday after speaking to his team leader. This didn't happen. I've since tried calling twice with no answer. I had a look at my online banking today to make a payment and saw that the balance I had remaining had been taken by Barclays. I need the money in there to pay for bills etc so called Halifax (my bank) to ask why they allowed this payment without any authorisation from me or any contact with me. They have now put the money back into my account and are going to be in contact with Barclays to find a way forward. My questions are: 1) Is it legal for the bank to just take the money out of my account without contacting me? 2) Although I have no major issue paying the money back, am I legally obligated to considering it was their mistake and I spent it thinking it was given to me by my Dad? 3) I don't currently have the full amount available to pay back. What would be the suggested way forward if the answer to 2) is Yes.? Many thanks in advance for any help given, Alex

Hi, I am new to this forum so forgive me please if I have posted this in the incorrect section. We paid off (in full) a council tax debt for a previous address on 30th August. I called Newlyn with the payment and asked them if the debt was paid to the penny and if that is the last of it, they said yes. Also we paid the amount shown owing on the Council's email to us, we thought that was the end of it. yesterday 22nd September we received a call from a mobile saying they were Newlyns officer and that they were going to visit our home today if we didn't pay the balance of £77. I asked what balance and they said there had been an error and now it was owing, I spoke to the council who said it was Newlyn's fault. After being on the phone for an hour to a very rude Newlyn agent they said we have until the next day to pay, I said I was happy to pay if I had written breakdown of how/why and when this error was made (apparently the council allocated a payment to our account by mistake, this didn't come to light until yesterday). The agent said he could not do that and could not give me anything in writing, with a lot of arguments he has now given us 7 days to pay. I don't understand how it has gone straight to the baliff without first a letter to us notifying us of their error, as far as we were aware and told the balance was paid and nothing more was owing. Am I wrong to ask for something in writing before I part with anymore money? What is to say that another "error" won't appear a few more months down the line.

It's a 'only wish it happened to me' moment, when Amazon (well marketplace trader) put the wrong price on an item in my favor. What is the position in insisting that I get the items I bought? I think much depends on 'the contract'. ie is it an offer and your acceptance -or- is it a contract? So far I have found in the "The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013" Under part 5 section 42 paragraph (3) states: Unless there is an agreed time or period, the contract is to be treated as including a term that the trader must deliver the goods— (a) without undue delay, and (b) in any event, not more than 30 days after the day on which the contract is entered into. So some hope? However, I note in my case, that Amazon have in their T&Cs regarding 3. PRICING AND AVAILABILITY "Despite our best efforts, a small number of the items in our catalogue may be mispriced. We will verify pricing when processing your order and before we take payment. If we have made a mistake and a product's correct price is higher than the price on the website, we may either contact you before dispatch to request whether you want to buy the product at the correct price or cancel your order." Anyone any idea how to test the validity of this clause?

My son received a copy of a letter, sent by his former employer to a court in Reading, in reply to their request for information about his current employment. The request was made in connection with an attachment of earnings order issued against him, about which my son knew nothing. He was employed by Cumbria County council on a zero hours contract and as his wages varied from week to week, didn't realise that two payments had been made on this order, one in February and one in March. He has not been employment since then. On contacting the court in Reading, my son was informed that the AEO was made to recover fines imposed by Reading magistrates , in connection with motoring fines. One of these was for failing to report and accident in Maidenhead (which my son has never visited) and for failing to notify the DVLA of a change of ownership (of a vehicle my son has never owned). He has not received any letters about the motoring offence, or about the court judgement, or about the AEO. He has been told that he has to send an email to the court, giving all the details, but that he will have to go to court to swear on oath that he is not the person who was fined by the court. Has anyone any idea how this could have happened and if the AEO will affect him in any way?

I'm not sure if this is the correct forum, please feel free to move it if not! I had an out-of-warranty iPhone that needed a battery replacement. I paid for the work online with my debit card using Apple's support site. A hold was placed on the money in my account. While I waited for them to send out the pre-paid box to return the phone, the hold on the money was removed, presumably because the work had not been completed and could not yet be charged. I left the money where it was because I knew it would be taken later. I returned the phone and was contacted via email by Apple who said they'd found something else wrong with it which would also need to be repaired. They attached a photo of my phone that supposedly gave details of what the new issue was. It didn't give any clue as to what the problem was. I called Apple, who were equally puzzled and couldn't get any information from the engineers. At this point they told me that they would cover the full cost of the repair - not just the mystery defect, but the original battery The phone was returned within a week, fully repaired, and I was a satisfied customer. Six days later, they took the money from my account despite being told they wouldn't. This put me in a position of having an unauthorised overdraft, with a direct debit for car tax due out the following day. I rang Apple immediately who were most apologetic and promised to refund the money. However, it would take up to 10 days for the refund to appear in my account. I told them that I had direct debits to pay and it was going to cost me money in charges if they bounced. They told me to call back when the charges had been paid, to look at claiming the value of the charges back from Apple. I then called my bank. There was nothing they could do. They put me through to the Visa team, who said the same - as a refund had already been started, they couldn't do anything. I called DVLA (the car tax direct debit was due the next day), who were, surprisingly, the most helpful out of everyone. The unauthorised overdraft happened over the end of one monthly charging period and into the start of the next so it was two months before I could pay the charges and look at reclaiming them. I called Apple today regarding this and they simply weren't interested, claiming they weren't responsible. They said that they'd already refunded the money and they weren't going to pay for any charges that they'd caused. The charges are only £30 but that isn't the point. I believe that they were caused as a direct result of Apple's error. If it hadn't caused so many problems with direct debits etc, I probably wouldn't have bothered about them. But it did cause problems and after having to spend an hour an a half on the phone to them today, I'd like to pursue this. Do I have a case? And if so, how would you recommend I go about it? Thanks in advance for any advice you can give me.

hi - I am really stuck with this, I had legal costs added to my mortgage (past repo attempt) but they were above what the court allowed, eventually I got them back by going to court but they remain on my balance attracting interest. The mortgage company say I should have given them the money (about £1,500) but it was not actual money, it was charges they added. I asked the legal firm the mortgage company had used to take me into court originally, to show that the mortgage company had actually paid out the amount they had not - the legal firm had charged the right amount but the mortgage company elevated the costs, as they do. I am still stuck wondering what I can do about the additional £12-15k they will have made out of me for interest on that 'notional money'. Any ideas as the FOS don't seem to understand. There is no agreement that covers this and they are now saying it forms a new loan but I cannot understand how when they caused all the problems by trying to adding fees unlawfully. thanks in advance.

#10905185 Hi Looking for some advice. I previously had an account with vodaphone which I cancelled in January. After cancelling I then stopped the direct debit. I had no correspondence until an email on the 2nd of March from ardent credit services advising of an outstanding balance owing to vodaphone, which in hindsight I appreciate was my fault due to stopping the dd too soon. the amount now owing was around £75.00 but Phillip from ardent credit advised on the 9th that I could make a payment of £60.12 as a full and final settlement to close the account which I did on the 11th of March. I have had no further correspondence from either party but then when applying for credit I was having issues and one currently credit provider then started reducing my limit until eventually suspending the account completely due to information they had from the credit agencies. I then checked my credit file around 3 days ago to find vodaphone had a applied a default of £12.00 to my file in May as well as showing as late payments the two months previous. I contacted ardent credit who confirmed the payment closed the account and have all correspondence with them on email. I NEED this default off urgently Any help appreciated. Marc

Community Work Programme issued by JSA outside of 8 week period! Some advice would be really appreciated. Does the 8 week rule still apply? How to refuse the CWP? Where to count the 8 weeks from? After a 2 year period The Work Programme with Ingeus ended (2faced staff/ incompetent /useless), I was referred back to the Job Centre and issued with an appointment to attend in April this year. I was asked by myJSA to sign the My Work Plan (WS1 form) in May. I had to sign weekly for awhile and then back to fortnightly. Yesterday I was handed a letter to attend a Community WorkProgramme (CWP) later this week. I have been back with the JSA as I said since April or counting from May – either way it is past the maximum 8 week period in which they have to either allocate Daily Signing (DSR) or CWP (Community Work Programme). Has this changed? And if this 8 week max still applies how do I go about politely but firmly refusing the CWP without being sanctioned. Also which date am I meant to count the 8 weeks from – April is when I went back to the JSA – May is when I signed the “My Work Plan” – I am making the assumption this is the date of the WPCI interview but am not sure. Worried I will be sanctioned again – and a second sanction would mean months of financial punishment rather than weeks. (the first one was applied because despite having attended every single mandatory appointment Ingeus had given me and not missing any appointments/workshops of which there were many - there was just one I never received notification of in the post andby the time a text message arrived it was too late, I left a message for the advisor which was never passed on – I appealed the sanction and the Decision Maker in all his glory upheld the sanction as “the balance of probability is that the letter was not lost in the post”!!!!!!!)

Hi- this is my first posting. Has anyone had a similar problem with First Plus- my last payment to them 2 days ago is annotated on my bank statement as being the Final Payment and I can see that the direct debit agreement now reads 'expired'. But I have another 6 years to go until the loan is paid off. I've sent them an email telling them about the error and informing them that if they don't reinstate the direct debit before the next payment is due I will contact the FSA. I have a nasty suspicion that this is a ploy to put me in default. Should I print off a direct debit mandate and send it to them anyway? Also when I applied for the loan I asked to borrow £25,000 but the agreement came back as £25,001. I didn't query it at the time(so stupid- I have learnt better the hard way!)because I desperately wanted it to go through but I now know that in going over £25k the loan is unregulated. Would they have phone transcripts of my original conversation to prove that I asked for £25k? is this mis-selling or just my own stupidity biting me on the bum?

Saw this today and something is missing (to my eyes anyway) [ATTACH=CONFIG]57925[/ATTACH]

Moved from benefits into a job. Paid around £150 each month for both council tax for current year, and arrears. The council threatened to take me to court for unpaid council tax. I explained my payments covered the whole of the current month's installment, plus agreed arrears at an amount I'd agreed with them. Everything I had paid had been agreed between them and me. The council admitted their mistake and said that - as I thought - they'd just been taking my payment and paying it on this year's bill, meaning nothing was coming off the arrears, but my current year's council tax was paid way in front of the installments due. They admitted their mistake in writing, apologised and said it wouldn't happen again. Problems with Royal Mail meant a lot of my mail went astray, so when it turned up, it appeared I had been sent a Summons, sent to court and a Liability Order granted by the council for my Council tax - all without my knowledge. And even better, all for something I didn't owe. Yes. yet again, the council had been taking my payments, putting it all towards the current year's council tax installments and yet none of it had been taken off the arrears - their mistake again. I wrote to the council explaining what they had done. They replied in writing, apologising for sending me to court, acknowledging they had made a mistake and I shouldn't have been taken to court at all, and that they would not be charging me the court fee. Nice of them! So, what do I need to do next? Where do I complain to? Does the Liability Order I should never have been given, affect my credit rating? Not surprisingly, I am absolutely fuming and have no idea where to go next, what to do, where I stand. Tempted just to ring the local newspaper but want to stick to jumping through the right hoops for now.

Hello, last month we purchased a vehicle from Arnold Clark and part ex'd our own vehicle. Prior to agreeing to buy we made the salesman aware that I only had a provisional license and asked would that be a problem with the finance (my wife would be the main driver until I pass my test with me driving it provisionally.). The salesman said that wont be a problem, the vehicle just has to be comprehensively insured. We submitted all information for a credit check and we received a call the next day from the salesman that the finance had been accepted and asked if we could come in to sign the agreement and pay the deposit. We did so and the salesman said everything was fine, the car was signed over to us and we supplied all the documents that we were asked for. We collected the car a couple of days later and left our vehicle with them. A couple of weeks later AC called me to say they needed proof of comprehensive insurance where I was the main policy holder. I said I dont have that because my wife is the main policy holder and I am a named driver. AC said that the finance company wont release the money to them until they have proof that I am a main policy holder and that the car would have to be repossessed if we cannot. I informed him that on my copy of the finance agreement it only states that the vehicle has to be comprehensively insured, it doesn't say that the owner has the be the main policy holder. He said "yes but that doesnt matter because on the new document from the finance company it says you need to be the main policy holder". They are threatening repossession if I dont pay for comprehensive insurance in my name which firstly we cannot afford to do that and secondly out of principal of the agreement. The funny thing is they said the finance company are threatening repossession and I said "so a finance company who has currently made no investment in this vehicle has the right to take my car away." to which AC said that "well not it would need to be returned to us" to which I replied "so AC will repossess the vehicle?" and after umm and arring they would not give me a straight answer as to who would be repossessing the car. Any advice would be greatly appreciated and if they can repossess where do I stand with my deposit and part ex'd car?

Hi, I hope that you can help me - I have read down a number of the DVLA LLP threads, but wanted some clarification if possible. Background is - purchased car mid-last year. Trader sent off the V5, but have the green slip. Tax ran out at end of October. Had letter through the door addressed to my name, but not my address - different house name (same house name as road name) from DCA stating not taxed, so LLP of £80 to pay. Subsequent search of car documents (as couldn't remember reminder coming and knew hadn't had car for 1 year) shows no V5 or reminders. Car is MOT'd and insured in my name at correct address (always has been) - details which I know DVLA have access too. Appears that is DVLA data entry error - as either entered wrong house name or if no house name on V5 from trader (didn't see it as with DVLA for cheirshed plate transfer at time of sale), then surely should have contacted previous owner for clarification as not complete details provided? I know I should have realised not had V5 etc., but I genuinely didn't. Planning to ask Postman why delivered this one to my address (different to envelope) and ask other house owners if received any DVLA letters and whether sent them back to Postman or DVLA as not at this address (would have been V5 plus a number of reminders) or just binned them. If you got this far, then thank-you and what is my best course of action?

Hi all Thanks for taking the time to read this. Recently, my wife's insurer made an error which has caused us quite some inconvenience. In 2013 my wife was driving her Megane and was involved in an accident in which 2 other cars contributed. She was in no way at fault. (I can describe but it's not relevant). She had a £400 excess. She was fully comp. She received a payout less the £400 excess and any other costs. When we asked about the excess and any other costs, she was told that she didn't have legal cover so they won't pursue it and she would have to do it herself. (It took a LONG time to even get to this point, because of the complexity regarding the 2 other parties who were arguing over fault). We hired a solicitor, who was nearly useless too because we told them we didn't have legal cover. In the last month, I convinced my wife to start chasing up the excess and that we would have to ring the (third party) company and battle through to try and get it back. Before she did that, she rang her insurer to confirm some information. The lady she spoke to was very helpful, and said that it actually looks like she DOES have legal cover. The helpful lady further researched this, and it seems that online when taking out the insurance, my wife didn't select legal cover but on the phone to confirm the policy, she took out the legal cover at the last minute. So basically what has happened: My wife bought legal cover. She tried to use the legal cover. The insurer said she didn't have it, when she actually did. 1 - 2 years later, the insurer are finally providing the legal cover service and beginning to reclaim the excess from the third party. Is there any trouble that the insurer should be in? We plan on writing a letter of complaint, are there any particular things we should include? Any response is much appreciated!

Hello all. I hope I'm in the right place. My pension fund has taken a LARGE (£1000+) amount out of my recent payslip. I did not request this additional deduction, but they are arguing that I applied for it online by logging in through my workplace portal. Again I have no knowledge of this, so I immediately changed my login details. However, they are refusing to return the money as they feel they have done nothing wrong. I cannot afford to lose this money. Please tell me where I stand in terms of getting it back? Thank you.