Hi, My ex came over to see our daughter. My elder daughter lent him her car whilst he was here. It's registered to her and was SORN at the time as she was intending to sell it. My ex got stopped for DUI and the car was taken to a garage. My daughter wasn't told about this at the the but found out 2 weeks later, we went to the garage to retrieve the car only to be told that the police had sold it! Is this possible? Thanks Rebecca

I have been on income related ESA in the Support Group for about 4 years now. All the time I have been on ESA I have lived with family members and recieved no other benefits such as housing benefit etc. At some point over the next month or so I will be moving in with a partner. My partner earns over the threshold I will lose all benefits once I move in with them. The house my partner has bought earlier this year is currently being renovated and due to my ill health I cannot move in until the work is complete which will hopefully be soon but I have no definate date. As far as I know I need to inform the DWP of my change in circumstances within 30 days of moving in with my partner is this correct? In addition I don't know what to expect when I tell them of my new situation when it happens. Will it trigger a new WCA for example. Do I just need to fill out a form about my change in circumstance or will they investigate i.e. come round to see if I am living in the new house? I am hoping it shouldn't really be an issue as my change or circumstances will mean I am no longer getting any benefits paid except my stamp as opposed to me asking for more money? Could anyone advise me on what to expect?

Currently I receive income related ESA and have done for a few years now. Presently I live with my parents but my significant other has just bought a house and wants me to move in. My significant other earns over £30k a year so that takes use above the limit for being eligable for benefits I believe so I need to inform the DWP to inform them of the change and my benefit money will stop. The house they have bought needs a lot of work done to it and so I don't think I will move in until september at the earliest as due to my illness I am unable to live there while work is being done. I would like to know when I should contact the DWP about my change of circumstance. Can I wait until I move in then just write to them telling them of the date of the move or should I tell them in advance and if so how much in advance. What should I expect should I just call them, do they send a form out? I am not long through an assessment period, will telling them I am planning to live with a partner trigger another assessment?

I had a stroke in december 2014 and wasn't told that i had to tell dvla, didnt even enter my mind to be honest as i was paralyzed down left side and had no thoughts of driving. After six months of rehabilitation I am now fit enough to drive again but my problem is.... do i need to still inform dvla even if as my doc says im now perfectly capable.

I had a 3 dongle for years and was paying for it without using it for a while. One day I went on my digital banking and cancelled the Direct Debit. I didn't think anything of it but I've now been passed onto a Debt Collection Agency. I've read all sorts of stuff about court action and poor credit rating now. I now realise that I probably breached the contract. I'd happily pay the final month if that is what they are pursuing. What is the likely outcome if these situations? Do the Debt Collectors add on all sorts of charges?

I checked by bank account this evening and SP have decided to take over £600. I recently moved house from rented to mortgaged. I transferred my account from the rented property knowing I had £600 winter debt I put up my monthly DD. I have mail redirection from the rented property to come to my new property and therefore can safety say I have received no correspondence to state this will happen. I am now financially insecure for the rest of the month because of this and not very happy. Can SP do this to me without any warning. If they would have sent a letter I would have contacted them to discuss further. Please help!!

The other day myself and 2 colleagues were shopping and as we left the store one of us got stopped and it transpires she had stolen a packet of sweets. She claims she wasn't taken into an office and was dealt with in the shop floor. The police were not called but the store manager said he would inform our employer as he had a duty of care due to the hysterical state she was in. The security guard also allegedly stated that he knew all 3 of us had been taking things. The next day we were all summons to head office as the sore manager had phoned our employer and all 3 of us are now been investigated for gross misconduct as we gave brought the companies name into disrepute. I think this is slanderous and possibly a breech of data protection as myself and another college I did not get caught stealing. They got our names after bulling my colleague who was caught by saying they had an a tip off from another colleague that we were always talking things. Obviously this is not true. Can anyone advise please on why the shop had the right to inform our employer without any proof

We were not informed of the transfer of childrens accounts when Halifax was no longer with Bank of Scotland and the loss of interest which shocked me as I opened the account starting at 10% going down to 6% but when it was transferred without my knowledge it was 1% you can imagine how shocked I was as I was not given the opportunity to move this money elsewhere and I think it should be looked into as to why this happened.

Hi, We are having a really bad experience with a lettings agent at the moment. We are relocating to a new county and have found the perfect place to rent. We travelled to view the property 2 weeks ago, but an hour before the viewing (when we had arrived in the county), we were called by the agent to inform us they had to cancel the appointment as they didn't have the set of keys in the office and the MD had disappeared with them. We were naturally furious - my other half had taken the afternoon off work to view the property and we are in a hurry to move. There are no other properties in the area we want to live that are suitable/available. Finally, a week later we were shown around the property and we filled in the Homelet applications and provided the £120 cheque for the fee. We then made an offer in writing to the agent. There are some sticking issues with the overgrown garden, rubbish to remove, and a bathroom that really needs updating, we are happy to sort the garden etc. and put up with the bathroom but asked for a discount on the rent. It has taken a week (after several calls and emails to the agent) to get any response from the landlord. The property has been on the market for 6 months so we can't understand why they are so slow in getting back to us! Today, I upped the offer to nearer to the asking price and chased up the agent again. I was informed over the phone by the agent that she had discussed our credit application with the landlord and they were unhappy that there were some very old defaults that we honestly placed on the application. 1) Is the agent allowed to discuss our application with the landlord before it is processed? I know that the landlord lives very local to the property and as it is a small village, I don't want my personal finances being known, especially when the offer hasn't been accepted or not and the application hasn't taken place. 2) Is this poor service common? I cannot believe how we are being treated. I have offered to pay 6 months rent upfront to cover any credit worries and now having to wait yet again for a response. I know that we should walk away from the property and find something else but I am concerned that from a data protection point of view, our financial records have been shared with a complete stranger, who I believe currently has no right to that information? Am I right? Many thanks

i seem to remember that one of the regulators instructed the banks to contact by letter informing them that they hadd ppi on loan and how to reclaim has anyone received one yet

As published by BIS in May,the codes will include; a good practice customer charter explaining how the loan works and the costs involved; a commitment to inform customers three days before money is withdrawn; increased transparency about loan repayment so that consumers can make informed decisions and are not surprised by hidden payments; more help for customers in financial difficulty by freezing charges and interest; robust credit and affordability assessments to ensure loans are suitable for the customer’s situation; and effective compliance monitoring by the Trade Associations to root out poor practice in the industry. 1. A Good Practice Customer Charter to be published by 25 July 2012 setting out in a clear, concise and user-friendly format what customers of payday and other short-term loans should expect from their lender. This Charter will: · highlight lenders’ key commitments to customers, including clear information about how the loan works, the price per £100 borrowed as well as the APR, and charges for extending the term of the loan (‘rolling over’) and default; · explain how lenders will communicate with customers and how customers can contact them; · explain how they assess if customers can afford a loan; · explain how to complain if there is a problem and signpost customers to sources of free and independent debt advice and relevant helplines; · sit along with each trade association’s individual Codes and be easily accessible via lenders’ websites or at business premises. 2. Increased transparency about loan repayments to help consumers make better informed decisions and making sure that continuous payment authority is not used inappropriately for those in financial difficulty. Lenders have committed to: · only extend (‘rollover’) the term of their loan at the specific request of the customer and after reminding the customer of the risks of extending a short term loan; · provide consumers with a clear explanation of how continuous payment authority works and how payments will be deducted from their bank accounts. This will help consumers decide whether this type of repayment is acceptable to them before they take out the loan; · set out consumers’ rights to cancel a continuous payment authority before they take out a loan, reminding them that if they cancel they will still owe any outstanding debt and the need to provide an alternative method of payment on the due date to avoid going into default; · always pre-notify consumers by email, text, letter or phone at least three days[1] in advance before attempting to recover repayment using continuous payment authority on the due date. This notice will encourage customers to contact the lender if they are in financial difficulties and cannot repay; · Where customers have failed to make repayment on the due date, send further regular reminders to customers when a continuous payment authority is being used, providing a contact point for the customer if they are experiencing repayment problems; · Repay any amounts recovered by the continuous payment authority if the customer is in financial difficulty. 3. More help for customers in financial difficulty: Lenders have committed to: · freeze charges and interest if a reasonable repayment plan can be agreed, or after a maximum of 60 days of non-payment; · engage sympathetically and positively with the customer and split the loan into realistic repayments to be repaid over a longer period, where appropriate; · provide customers with a ‘breathing space’ of 30 to 60 days where they are making a genuine effort to agree a repayment plan. 4. Robust credit assessments: Lenders have committed to: · undertake sound, proper and appropriate affordability assessments and credit vetting as part of each loan application and before the term of a loan is extended (‘rollover’); · check the suitability of the loan given the customer’s situation · remind the customer that the loan is only suitable for borrowing over a short-term and not over a longer-term. 5. Effective compliance monitoring of members by their trade associations to ensure improved self-regulation and root out poor practice in the payday and short-term markets. The trade associations have committed to: · meaningful and enforceable sanctions in their Codes (up to and including expulsion from membership for serious non-compliance) · delivering rigorous internal complaints procedures; · taking a proactive approach to monitoring compliance with their codes and regular meetings with the OFT to discuss areas of concern in the market. · undertake a review of the effectiveness of these changes to the Codes 12 months after they come into effect and in light of the OFT’s current study of the market and publish the findings. Definition: Payday and other short-term loans include an agreement where you can borrow a small amount of money (usually between £50 and £800) and repay the loan over a short period (typically one or two months). [1] Where contact is being made by telephone, this timeframe will be influenced by the customer actually receiving the call. Full details;http://news.bis.gov.uk/Press-Releases/Better-help-for-consumers-in-financial-difficulty-from-payday-loans-67a77.aspx

On Thursday, I woke up and wasn't feeling well. I went to the job centre as normal and signed on. I woke up yesterday and felt much worse and am still not feeling well at all. Because of this, I haven't managed to do any job searching. (I spent most of yesterday sleeping) This should be a temporary issue (I do have permanent disabilities; but this is irrelevant) - although I'm not sure how long it'll last. Does anyone know what the rules are in regards to JSA and illness please?