Hello, I am not sure whether or not I can complain about this now, whether it is actually worth complaining or even to whom I complain? Also please bear in mind I haven't travelled by train for years, so I am not really up on terminology. To cut to the chase, last week at about 30 minutes notice I had to travel from Thirsk to London. I went to Thirsk station and at the ticket desk asked when the next train was that I could catch for London and could I buy the cheapest ticket for it. I was given a ticket and told to catch the next train (which was due in about a minute later) and change at York for the next train to London. I thus got on the next train at Thirsk (which was going to Manchester Airport via York). The guard stamped my ticket and all was well. I thus got off at York to change trains for London. From what I could deduce from the monitors, the London trains shown were all running late for some reason. However when the next London bound train pulled in about 20 minutes later I got on it and sat down. The train was non stop to London which I thought was ideal. A while later, the guard came along and when he looked at my ticket said it was not valid for that train and I would have to pay another £84.60!! Obviously I wasn't too chuffed by this (even less so when he said that the train I was on had actually stopped at Thirsk shortly after the one I had boarded) and would have in effect been the 'next' train to London without having the need to change and I had been sold the wrong ticket). It impressed me even less when he said if I had missed out the booking office entirely I could have boarded his train without a ticket and just paid the £84.60 which was less than the ticket I had bought!! The guard did have the courtesy to explain that my ticket said 'EC and connections' on it, and it meant I had to travel by an 'East Coast' train and the train I was on was a 'Grand Central'. Personally I thought all trains were alike and that as I had in effect got a 'connecting train' from York it should have been valid as it was a connection. It was after all valid on a Trans Pennine Train (I have never examined a train ticket before so this was all new to me and I wouldn't have had a clue as to what 'EC' meant other than possibly thinking it was the 'East Coast' Mainline which I was traveling on). So, I am thus £84.60 out of pocket. I did ring up Grand Central in York to try to get a refund but they said it was an East Coast problem. I them tried ringing East Coast who said it wasn't their problem either and it was a Trans Pennine Express problem. I tried ringing Trans Pennine (who apparently manage Thirsk station) but they said as my ticket had been stamped (by their guard between Thirsk and York) as far as they were concerned it could not be refunded and I should speak with East Coast whose train I should have travelled on. So there we are, going round and round in circles. Is there actually any sort of central body to complain to so I don't go round in circles again??. Is there any point in complaining?. To be honest I will never travel by train again if this is the state of railways in 2014. It is the car for me in future, or even flying from Leeds Bradford Airport to London (it would probably be cheaper!!). Sorry for the rant, but I feel pretty miffed about the whole situation. Jonathon

Hi everybody, Recently I have faced quite a troublesome situation and looking for advice. I'm waiting for visa in UK and naturally, started to look for an accommodation beforehand. I have found reasonably good offer on one of the websites (from the private person). She gave me her phone number and friend of mine, who lives in London, called her and came to check the room. Then we have negotiated contract terms and starting date of the lease. Then she asked me to pay "holding fee" of $180. I have agreed with it and payed via PayPal. Recently she asked me to pay another ~$420 and later wrote that she is starting to look for somebody else to rent the room. Also, she wrote: "I reserve the right to take this to court". I feel really uncomfortable because of this, but I haven't signed the contract with her and have never issued the standing order to her bank account as it should by done by the contract draft. During negotiation of the terms I have sent only .pdf with my name in it, but with sign field left blank. I should also notice that I have never received a signed contract from her in any form (electronic or physical). I would really appreciate an advice what should I do in this situation. Kindest regards.

Help!!! Just got a PCN from London Parking Solutions. But the ticket attached to my windscreen is for the wrong car. Is the ticket still valid?

Hi all, My Wife works for the above NHS trust, and has to park in the general car park for all and sundry. The trust at the moment isn't issuing out staff parking permits, and so, consequently, received a 'Civil Parking Notice' from Car Parking Partnership, asking for a charge off £60, but can be reduced down to £30 if payed within 14 days. I've read on varies threads, that she should either ignore it, or write a letter to the trust explaining the situation of how the charge was occurred. However, as she works there, she doesn't think this will be the only charge she will get. If this carries on, could she end up with more problems if she becomes a 'repeat offender' ??? Any advice or guidance would be a great help. Cheers muchly !!!! Bloke199

Hi. I have been looking into the SRA Rules, Railway By-laws and a friend's Penalty Fare Notice. One or two things aren't covered, as far as I can tell, so I thought I'd see if anyone on here might have an opinion or some references to legislation. My friend doesn't need advice on how to deal with the PFN, this is simply a theoretical exercise to round off my understanding of the possible consequences of two scenarios: 1. A passenger without a valid ticket is stopped by a revenue collector upon attempting to leave a station. Upon questioning, the passenger provides their name and address, but refuses to comment further. What might happen? I understand that refusal to supply details of the journey taken may be detrimental to a defence, but on the other hand can any journey be proven to have taken place without the passenger's admittance? Would you be liable to on-the-spot arrest for fare evasion? 2. A PFN is appealed, but by then RPSS, on behalf of LM, wants a £20, then a £40 administration charge just for the privilege of the passenger having to await and then dispute the unfavourable Appeal Decision. If the PFN is then paid, there will be no chance of prosecution, I assume (as the only unpaid fare was the Penalty Fare), and so if RPSS want their charges paid they would have to make a civil claim for the admin fees alone. Do they actually ever do that? It could be argued that collection should have been put on hold whilst the PFN was under appeal, or until at least a few days after the Appeal Decision, as opposed to jumping in straight away with added charges at the same time the Decision was notified. The amount of the fees could be disputed, I would think, as £20 per standard form letter is obviously a lot more than the admin costs would actually amount to. The PFN was, and is, if they carry on, being fought on three points, FYI, which were lack of Warning Notices at New Street, failure to give the passenger a copy of the PFN (they could and should have posted it after the passenger walked off without taking it according to my interpretation of the Regulations, 'give' being held to its dictionary definition in the absence of a specific meaning in the legislation) and failure to advise the passenger of their right to appeal the PFN. The Revenue Collection Officer actually said that the passenger had lost their right of appeal due to not signing the PFN (which isn't a requirement, nor is giving them your DOB, BTW).

Hi guys, This seems a very good forum that has sparked more interest than I thought possible on the topic of parking charge notices! (That I now know not to refer to as fines) So, onto the chase: At 21:01 on Friday 3rd January I received a PCN from London Parking Solutions for having no valid permit on display. I was parked, in which I now am told is the staff section of the Odeon Cinema I was visiting. My friend works in the cinema, and told me "You can park in the car park, it is free after 19:30". Unbeknownst to me, there are the two sections of the car park, the customer one of which is actually behind the building, out of sight and with no signage to at the cinema to indicate those not familiar with the area where it is. Naturally, the small staff car park only had two A3 notices stipulating that it is the staff car park, were/are not lit, and are over 3 metres off the ground on walls. Neither are within a line of site of where I parked the vehicle. I parked at this car park, unaware of its status at just after 20:00. I have spoken with my friend (the employee at the cinema) and one of the manager's at it, and she said that 'They can get the fine reduced, but not removed'. Which by reading of the comments on this forum seems a bunch of baloney, so we shall be speaking with one of the more senior managers tomorrow. In the interim, I would like to know my rights/start typing up an appeal, as on the balance of: 1) The time of night and the space occupied not being required by a member of staff 2) If it was needed, he/she could (being familiar with the area of course) use the free parking at the other section of the carpark 3) The lack of signage, and lack of visibility of existing signage at that time of night 4) The cinema incurred no loss, but a financial gain from my presence at it 5) No existing signage indicating how to enter/indicate the existence of the other section of the car park, as the exit is adjacent to the staff one I parked at, and simply labelled with 'No Entry' signs. I was originally going to submit and pay this fine of £100 (reduced to £60 within 14 days), as is my nature, but reading various blogs and forums such as this has made me aware of just the way these companies operate. Indeed, on the notice it has a grammar/omission error which leaves me uncertain to its BPA status - "is a member of the British Parking Association and a registered ***missing word?*** in England and Wales no. 0641401", which indicates to me the flimsiness with which they operate. Therefore, in addition to feeling aggrieved over the lack of signage, I want to fight this PCN and company as part of the ongoing fight against unfairly awarded PCNs. Any advice would be warmly welcomed, though am at the end of the day hoping the senior manager will be able to handle it! Just like to have bases covered. Happy new years!

The people on this site are so helpful. a friend of mine (builder) was told by the porter of a bloc of flats he could unload in a parking space in order to do a job there. he then got a demand for a fine through the post from London Parking Solutions. This was a year ago, and several emails have been sent back and forth between the two. London Parking Solutions did not respond to his last email, and now he has received a demand for £240 from Gladstones Solicitors. The fine is imposed for an area that he was not even parked on, but London Parking Solutions are saying that is irrelevant since they cover the part he was parked on anyway. Any advice would be greatly appreciated, as it seems very slippery to me.

I've asked the London Ambulance Service for a recording of a 999 call made on behalf of my late father. They have said that they can provide this but there would be a charge of £50. My understanding was that the maximum charge was £10 unless, of course, there are special rules for the NHS. Could anyone clarify?

Dear Forum, I have never driven to London before as I live in the countryside and have had no need to visit the 'big smoke'. On 17/11/2013 I decided to go and collect some second hand furniture from a place I had not visited before. After a 4 hour journey I had hit a busy and confusing (sometimes aggressive) traffic system. My Sat Nav which needs upgrading was politely taking me all sorts of directions which at one stage must have been a bus lane because this morning I received a fine for £130.00 or £65.00 if I pay in the next 14 days, with photographic evidence. Do I really have to pay this:???::???: Do London Borough of Hounslow care that I was confused and Sat Nav had told me to turn left at the traffic lights so I took the left lane. In the picture I can see another car behind me, were they also asked to pay a fine? Please can you help. Thank you P.s. It was on Chiswick High road

I found a thread on here relating to issues with this company from 2012, however as there is nothing more recent then I thought I would start an additional thread. Unluckily I was also spoofed by these people, and my partner and I ended up paying £450 in total for photographs we didn't want, and are now in dispute. I wondered if anyone else had any more recent dealing with these people. So far our communication with them has gone as follows: After having to pay £450 for photographs, and being informed we would be charged £800 other wise we emailed them to request a refund for the £200 as we thought having read over the T&Cs that they might have us on the having to buy 5 photos for £50, but we were informed on the day that we could only buy the cheapest which was a CD for £450. Received the following response after insisting they speak to us via email rather than on the telephone: Dear Ruth, As you know management we have been trying to contact many times via the telephone for a brief report f rom you and once logged then the company could have efficiently reviewed the circumstances. You ultimately request a refund of £200.00 for the purchase of your artwork. Unfortunately we have to decline your request. There a variety of reasons for this. To confirm, you applied for a competition we held for a professional makeover and photo shoot session valued at £399.00 per person which was completed on 18/10/13. There was specific terms as there are with any promotion / competition attached to it. I n regards to this, Makeover London requires a small deposit of £50.00 per person to ensure arrival. This deposit is made fully redeemable at the end of the session meaning you put it towards an artwork package which you did. The reason why in this occasion we are unable to process a refund is you have purchased the images on a copyrighted CD hence the reason why both parties sign a legally binding agreement which clearly states it cannot be refunded and cannot be cancelled. You knew this before you signed it and before she paid using a chip and pin. As you know the copyrighted images on a CD is the most luxurious format the studio offers a customer as it allows a customer to back up the images on a computer, copy it, create their own frames, prints, portfolios and promotional uses hence the reason it cannot be returned. This also was explained on the day. You cannot return a copyrighted CD as you have ability to copy it and back it up before you return it. You entered your chip and pin entry into our card system voluntarily, you chose the images your self you wanted to purchase, you signed legally binding contract yourself with a member of Makeover London with specific Terms and Conditions stating it cannot be be cancelled and is non refundable and finally you took the copyrighted disc home with you at the end of the session meaning you probably have already made use of the images. Because of this, Makeover Studios have considered this case as remorse buying where you regret the purchase but it cannot be returned or refunded because of the format you made the purchase on. No one can force you to make a purchase Mrs. ....... What you should have done was to leave it, not sign any contract / agreement, not chose and pay for the product / service you do not want and discuss it with customer service the following day to go over options. These are the reasons we cannot process a refund and we do sincerely apologies i f you thought the service was not up to your expectation. As compensation, purely because you have been booked under a promotion, we are able to offer to release 3 extra pieces of artwork valued at £300 on a fully copyrighted disc format. These will however be random as the studio does not keep the artwork but a backup copy is always sent to the legal department as evidence the service has been completed. We will have to have it redelivered to the studio and you would need to come back to the studio at some point to pick and choose your chosen artwork. (please note you selected images will come in a raw format with no editing) We look forward to hearing from you. Kind Regards, Mark Responded yesterday as follows: Dear Mark, Thank you for sending me a reponse to my enquiry. I am unsure when you have tried to contact me many times via the telephone. I received one voicemail from your staff, but since then have only recieved your email. I am afraid that although your response addresses the request for the refund due to the art work it fails to answer a number of issues we raised relating to the competition, the package, the artwork and the day itself. I feel that the failure to address these issues in themselves undermines the reasons given for not providing a refund. Firstly I would like to address the point you raised regarding the purchase of the copyright CD with images. The purchase of this CD was at the end of the day. After having waited for an hour to view the photographs my partner and I were taken to a room where we were quickly shown the photographs. We were then informed that we had to purchase a minimum of 5 photos (which is stated in the terms and conditions relating to the promotion) and that the £100 deposit paid prior to the day was reedemable against this purchase. However, as I raised in my earlier email, rather than the photographs being priced at £50 each (as stated on the website) we were informed that we were only allowed to purchase in sets, the cheapest set being 5 on a CD. T his was not stated in the terms and conditions. We were then informed that failure to do so would result in our being charged £399 each, a total of £798. At this point my partner and I requested that the sales representative leave the room so that we could discuss our options. The main reason for this being the adjustment of the price that we had expected for the photographs. T he sales representative left the room for a maximum of 5 minutes. Whilst my partner and I were still discussing the options available to us the sales representative returned to the room. My partner requested that we be given further time to discuss b ut we were ignored and informed that we were required to make a decision at this time as there were other clients waiting. We were then told once again, that failure to purchase the photographs in a set would result in the approximately £800 being due. Due to the pressure and the prevention of discussion we therefore opted for the cheapest version of the photographs that we could: 5 on a CD for £450 (minus the £100 deposit). I therefore agree that we did purchase the CD, but this was a result of the threatening behaviour of the sales representative, the surprise at the price increase, a nd the threat of being forced to pay approximately £800. The situation on 18th October involved us being forced into a position where we either otped to pay for the CD or were charged almost double this. I therefore dispute the claim that the choice was made freely, or that we were able to make an informed decision. In addition to this, your response fails to answer why the website advertises the cheapest photographs as being £50 each, and yet we were informed on the day that we were unable to purchase 5 photos at £50 each. I would also like to note that the single photographs for £50 each were advertised at the studio itself, we were informed that we were not allowed to purchase them as competition winners. I would be grateful if you would clarify whether we should have been able to purchase the photographs at this price; and if so why the sales representative gave us incorrect information leading to an additional £200 payment. Or if the cheapest photographs available to us were those on the CD, why the terms and conditions did not state that we were not allowed to purchase the photographs at £50 each. Your response mentions that you suspect our complaint and request for refund is due to buyer's remorse. However, considering that the day lasted until approximately 3.30pm and we sent the email to Briana at 5.02pm this does not logically follow; we sent the email as quickly as possible once leaving the studio. In addition to this you mention that we would be unable to receive a refund due to the nature of the purchase i.e. a copyright CD. Both myself and my partner have not made any copies of the CD or the images. We would both be happy to sign a legal document to this effect if necessary. Secondly, your response fails to address all the concerns raised in my original email. Most specifically that relating to the fact that the package advertised, and that which the deposit was paid for did not meet expectations. As noted in my original email, although I received make-up and hair-styling, my partner did not. Additionally, we were told to leave the studio for over an hour and offered no refreshments. Both of these are included in the advertised package, and we failed to receive them. In conclusion: The prize advertised and the prize the deposit was paid for in good faith was not what was received on the day. This in itself could be considered false advertising, especially as it led to a binding contract with the studio in regards to the purchase of artwork. The CD purchased was done so whilst under duress, and therefore the purchase of the photographs and the decision to do so was not a free choice. This in itself makes the contract contestable. As stated earlier in this email both myself and my partner are happy to sign a waiver stating we have not and will not use those photographs. The information given on the website states that prices of photographs begin at £50 each. There is nothing in the terms and conditions on the website that state we would not be able to purchase 5 photographs at £50 each. So we need clarity as to why the sales representative stated otherwise. Based on the above, we continue to request a refund for £200. If you are unable to fulfil this request we will be taking the issue to a Small Claim's Court, and informing the Office of Trading Standards. I look forward to your response. Obviously going to see what they say next, but doubt they'll give in. So.... any advice on taking this to small claims?

Hello All, I would very much appreciate some advice on the best way to appeal the pcn I received. I can access 5 still pictures but not the video evidence. Contravention code is 31J. I was on my way to collect my children from school so I drive this route twice a day 5days a week. It's the first time I have ever received a ticket for a box junction. There are some pedestrian led traffic lights not far off the yellow box junction and I think this is what made the car stop in front of me, as I would have not driven if the traffic had stopped in front - as you can see from the first picture. Any help and advice would be greatly appreciated. Thank you in advance.

God I love this site, helped me out a lot in the past. I was on Jury Service - their car park was full so I parked opposite in a huge practically empty carpark midweek (pub & 1/2 dozen shops) put my disabled badge up and was gone for several hours. Got out of the car at 9.35 (cos I looked at my watch) and got a ticket at 09.43! The reason stated for fine is 'Left Site Not in Premises' pay £60 within 14 days or £100. By reading these messages it seems the advice is to ignore it. ....I was so tempted to pay it to get it out of the way but I can't really afford it - should I write to them and appeal it says 'all cases will be considered on their individual merits' . .. Any advice would be good as I don't want to end up with a £100 fine.

Hi All, I was following my satnav and it told me to go into a bus lane (one that you couldn't get out off once you were in). A policeman then pulled along side me and just politely informed CCTV would have picked it up and it expect a ticket. However, I've not long moved and my driving licence is still registered at my old address. I've got the form to change it but it might take a while. So I want to check if I have this ticket so that I can pay it before any late payment fines etc. However, DVLA say its not their jurisdiction, its the police or maybe transport for London. I've looked around and I can't find out who to contact. Does anyone have any ideas? Thanks

Do these still happen? (London or anywhere else?)* *Not that I'll be let in through the door of course

Hello! First time poster I have a problem I'm hoping someone might be able to help me with. Thanks in advance for taking the time to read! On Friday I was stopped by a ticket inspector on the London Overground who scanned my Oyster and fined me for not having tapped in. It was my own fault, I'd just come out of a meeting, was in a rush to get home and wasn't thinking so just jumped on the train as it arrived damn. Anyway, I accepted the £40 fine and handed over my card to the inspector who dialled through my details on a mobile phone. I asked him about the phone and he assured me it was a company phone. He was also extremely rude, barely spoke to me and refused to look me in the eye the whole time, even though I was woefully accepting of the whole thing. Not sure if it's of note, but I've lived in London for over five years and have paid heaps on my Oyster during that time! This is also the first time I've forgotten to tap in, typical I should get stopped! Three days later and £52.07 has been taken out of my account by IRCAS. I have the penalty fair docket and it specifically says the amount for my fine is £40.00 and that I paid it on my card there and then. No idea where the extra £12.07 has come from? Looked on FAQ on IRCAS website and it says "If you pay or appeal on time there are no administration charges." Any help on next steps would be very gratefully appreciated. Do I need to appeal to get the £12.07 back or can I appeal for the whole amount as I've been charged incorrectly? Should I try and get my bank (HSBC) to reverse the charge as it's the wrong amount? Thank you

Went Tiger Tiger, I'm dancing upstairs on the dance floor for a couple hours not hassling anyone trying not to cause any problems. After a few hours on the floor and a couple smokes outside I decided to stand on the side as I was getting tired and was the last hour of the club. This is when I started getting odd looks from one of the bouncer on the platform, at first I thought he was trying to make sure I wasn't sick or on some sort of drug, so I look back at him so he knows I'm not either of the two. The looks stop for awhile but then him and the manager both start looking at me. The manager comes up and asks me to follow him, already I knew I was being kicked out but the reason why eluded me. As soon as I'm outside he tells me that a female has complained that you've been touching her, which shocked me as I thought the club was pretty full and even dancing or moving around you be around groups of people. So I argued with him to bring the girl out to identify me or show me CCTV of this, he does neither and goes back in. So I want to know if I'm able to complain (at least get a refund or some sort of apology) about this and how'd I would go about doing this. Any address or E-mail for a main office would be helpful too.

Hi, I do not know who should I complain to. I visited London from 23rd March to 29th March 2013 and I am from Malaysia. On 25th or 26th March I went to Harrods and I bought a box of chocolate. I brought the box back to Malaysia and it was when I opened the box to pass around in office that I noticed the expiry date on the box was 17th March 2013. I posted in TheTripadvisor on this issue and what I posted was just a warning to visitors to be more careful in checking the expiry date. I got a reply from Harrods and I asked my daughter who is studying in Cardiff to liase with the lady who replied to my review in Tripadvisor. What I understand from my daughter subsequently was that they needed the proof of purchase ie the receipt. I am not able to give them the receipt as I have thrown it away. They told my daughter that they are willing to listen but noit to put in a report as I do not have the proof of purchase. They implied that legally I cannot do anything as there is no proof that I purchase the item. This is not right. I can only proof that i was in UK from 23rd to 29th March and the chocolate expry date was 17th March. I was not expecting Harrods to pay me back or replace the item. To me it is the principal that is important in that if I didn't bring it up, then Harrods would still be happily selling the expired products. To me, they do not even have the decency to say "SORRY"

Hello there good people, i am hoping for some solid advice on this matter. I had a saxo vts, i sold it filled in the v5 and im 99% sure but can not say for certain if i ever sent it off. The car when i had it was registered to an address i no longer live at ad the other day i visited that house (It's my GF's brothers house) and i was greeted by a letter from Transport of London for a congestion charge that hasn't been payed and the charge was issues for the offense in December. The letter was saying that since i have not payed the fine has increased, this is the 1st Ive heard of it and there was no other letters there either from transport of London. I called the them and they asked for proof that i am not the owner of the car but tbh, i don't have any and the only thing i know about the buyer is that he is called ashley. i have emails from him saying when he will buy the car. I've called the DVLA and they say it is registered to me and that if i want to change ownership of the vehicle i need to send them a letter which is what I'm in the process of. I don't live anywhere near London and Ive never been to London in my adult life. The fine is 180 pound, do i have any chance of appealing it or do i just bite the bullet and fork out the money. Thank you very much any advice appreciated.

Hi, I am really worrying about this so some help or advice would be really appreciated. I was travelling with a young person today who holds an 11-15 Zip card. We topped up his card at the beginning of the journey. When we came to the tube station to make our way home, his card kept flashing up with an error. As I was in a rush I thought it would be ok for him to come through the barriers with me using my Oyster Card and just pay at the other end. The ticket inspector saw this and asked to check the young person's oyster card. She told me he had gone through on my card and so I would need to top his up to ensure he could exit. I did this and we left with nothing further happening. I have been thinking about the incident and am now worried myself or the child will be sent a letter regarding fare evasion. My details were not noted down and the child's oyster card was not taken away. Is there anyway for Tfl to find out our addresses just from it being scanned through? Am I likely to get into trouble for fare evasion. Looking back now I realise it was stupid to think he would be able to pay at the other end and wish I had not done it. Please give me any advice you have on whether there is a possibility of me getting into trouble for this. Thanks

Hi all, I've been on this superb site for quite a long time as a viewer but now need a little help. I have had lots of contact from Robinson Way in the last few months demanding payment of over £7,000 for a debt that I owed to London and Scottish Finance for a Hire Purchase Agreement. I had a lot of correspondence from Robinson Way about two years ago. I asked for proof of debt and sent off template letters and I received some attempt at showing me the agreement, albeit not in the prescribed terms as it should have been. Then, Robinson Way seemingly forgot about the debt until a few months ago when they started getting in touch again. The letters are always in the same format, debt owed to London and Scottish, passed to Robinson Way and then passed again to Horwich Farrelly, their in-house legal team. A payment was last made to L & S in late 2007 and not a penny since. The letters warn me that I may be going to court soon if I don't pay up in full. Here's the interesting thing. This debt does not show in ANY form on ANY of my credit reports. Not Experian, Equifax and Call Credit. Furthermore I haven't responded to Robinson Way in any way recently...but how should I proceed going forward? Specifically: - The debt isn't statute barred as the last payment was late 2007. It will be statute barred later on this year. - Can Robinson Way / Horwich Farrelly add the agreement / defaults to my credit report after all this time? Or is it too late now? - How should I respond to RW after all this time, yet again?! Any advice most gratefully appreciated. Thanks SM

Hi All I'm a bit paranoid, today I traveled with a zone 2-3 card in a zone 1 area. The ticket man caught me out and gave me a penalty notice saying if I pay the amount in 21 days...He did want to take my upstairs to pay the fee but I said I'm going to pay online so he gave me a penalty fee notice paper. I went back to my office and paid the £40 straight away. The question for tonight is, would these guys investigate me further as I might have traveled before through a zone 1 with a zone 2-3 card. The guy did not mention anything further as I said I was sorry and will pay the fee. To rectify my situation I went tonight and upgraded my ticket to be correct for travelling (I have a paper ticket, not Oyster and buy monthly). Very paranoid tonight that I might have to go to court or something. I will pay whatever penalty they want as long as I dont get a criminal record. Thanks for you advise in advance Swan

Hi guys I strayed into a bus lane as I was lost as soon as I noticed I was in the lane i pulled straight back out. I have appealed hoping that they will let me off on compassionate grounds you never know. I've attached the images and paperwork in case they've made any mistakes and I can escape paying the fine any advice would be grateful. Thanks Lee

Hello I'm a new driver and have had about four months experience of the roads since passing my test. I usually have my fiance in the passenger seat but he works in Germany for a few days each month. I received a letter through the post from Hammersmith and Fulham regarding me stopping at the Butterwick/Talgarth box junction, which looks to be the case from the images they included. My understanding fromt he road and traffic signs in the theory test I took earlier in the year (backed up in the 2012 DSA theory book - pages 178 Q8.5 and 289, Q11.123) is that I can enter a junction marked with yellow lines if my exit road or lane is clear. Has this rule been changed since the book was written ? The images sent show only part of the box section and my car, and not the exit. I have asked to view the moving footage at their offices, and they confirm a slot on Tuesday, meaning a half day off work. The authority says that I cannot have a copy to show others. As I have to go and see this on my own, its a little daunting as I am not entirely sure what I should be writing down or saying to them, or what to do if it shows the DSA answers are still valid. My fiance has suggested that the movieshould have enough detail, including a view of the exit otherwise the authority shoud not be able toissue a penalty. If the movie does show there was a clear exit out of the box, what should I do next as I will only have my observation (and the pictures sent last month) to raise a complaint ? The yellow box is on the Hammersmith one way system and my driving instructor - now retired- has said there were different rules which may have an impact as to whether I could enter or not, but they are not in the DSA book. Is this box part of a junction or part of a roundabout ?

Hi there, i discovered this forum and just need advice re buying a duff taxi. vehicle is 2 months old, faulty steering box, which being a safety issue, vosa inolved, vehicle off the road, and tfl suspended 313 taxi drivers licence plates. My questions are: if a manufacturer goes broke and i have 4yrs of finance left to pay on vehicle, can i legally back the vehicle, informing the finance company, blackhorse, that the vehicle is not fit for purpose, so cancel aggreement?. this being a last resort!...And can i request a suspension of monthly payments until vehicle is repaired ?. The vehicle is supplied on dealers preferences plan, which means lower payments initially over 4yrs term, with ballon at the end ,trade in for new cab, or walk away. Any advice will be very much appreciated, as i have had to rent replacement cab @ £600 month, to be able to keep working, and this is gonna stretch finances if it carries on, many thanks

Wonder if anyone has any next step guidance re pre-2005 PPI claim? I have been battling with London Scottish for a 16th December 2004 executed loan which had £6,000 PPI pre-added to the contract. It obviously sticks in the throat as it was less than a month before regulation kicked in 14th Jan 2005. As London Scottish (LS) went into administration, I approached them and the declined any wrong doing (about 18 months ago) I then went to FOS who have case workers who suggested they go after the underwriter Aviva. Top cut a long story short, this has been going on for 17 month, and I have had various case workers who have left the FOS along the way. although the previous case worker told me they were approaching Aviva for a group of borderline cases (mine included) who they felt should be refunded by the underwriter. As I said, the previous last case worker left last month (out of office email saying no longer works there), so I decided to upon calling last Friday 12th October for an update to a general line at FOS I was told there was no new, and no correspondence between Aviva and FOS in months. Today (Monday 15th October) I took a call from a new guy at the FOS who told me (despite nothing new only a few days prior) that the FOS had ruled there was nothing for Aviva to answer, as there's no proof of a link between LS and Aviva (the only contract/documents I have have no Aviva reference just the LS ref, with the generic Aviva underwriting policy). He said he would put it in writing, and I have the right to appeal. So palmed off by FOS, palmed off by LS, the FSCS say I have to have something from FOS anyone have any ideas how I can pursue. FYI, I have all the original contracts, and it is clear the PPI was pre-printed with no option to delete. Thank you in advance, Dusty