I have been making regular agreed payments to clear an overdraft at HBOS for over two years. HBOS transferred the debt to Blair Oliver Scott (BOS) who then transferred it to BLS. On this transfer BOS wrote to me stating that the arrangements for payments would continue in the same way. BLS also wrote confirming this. In January BLS said they had not received the Dec payment. On presenting the next payment to the HBOS branch they told me the account I was paying into had been closed and they refused to take my payment and returned the payment I had made in December. On contacting BLS they confirmed the account details were correct. Eventually, I recieved a letter from Halifax Credit Operations saying they were transferring the matter to Drydent Fairfax. I contacted Dryden Fairfax and Halifax Credit Operations to say that I had made several attempts to make payments, but that these had not been accepted by HBOS Bank. I received an apology from HBOS who said the didnt know why the bank would not accept payment, but, provided me with a new account number. On presenting payment for this account number my HBOS bank refused to accept the payment as the account details were not for an HBOS account. I wrote back to HBOS with this information and received no reply. After three weeks I went to another larger HBOS branch to present the problem. After one hour, during which a Customer Services Representative said she did not know what the new account number referred to, but contacted HBOS Credit Operations. She told me that BOS had closed the account in September 2011. I pointed out that, first, BOS had written to me in August 2011 saying the arrangements would remain the same and that I need not do anything but continue making payments in the same way. She had no reply to this. She then told me that the account number supplied to me in writing by Halifax Credit Operations was, in fact, for a Lloyds Bank Account. She said she did not know why this was not stated in the letter I received. Finally, she said that Halifax Credit Operations would send me preprinted Giro slips to take to my local Lloyds Bank to make payments. Three weeks later, I received a letter from Halifax Credit Operations saying they were transferring my account to Robson Way for collection. At no time have I refused to make agreed payments to this account. I have now been transferred from Halifax, to BOS, to BLS, to Dryden Fairfax and now to Robson Way with correspondance that asserts that I have refused to make and conform to a repayment plan. Any help much appreciated.

Hi, I'm a tenant in a 2 bedroom flat in Stoke Newington, which I share with one other tenant. I decided to move out of the property and gave my one month's notice on 31 July. I found someone to take over the tenancy and the agency (Felicity J Lord) sent us the change of sharer paperwork, which we signed and sent back yesterday (28 August). The new tenant has paid £245 in fees to the agency, and has also paid me my share of the deposit and the first month's rent. The new tenancy was due to start this Saturday - 3 days' time. However, today I heard from the agency that the landlady has refused to agree to the change of sharer and instead is service us 2 months' notice. We have to be out of the property by 31 October. Please can anyone help with this as I am unsure as to whether the change of sharer can be refused at this late stage. The agency say that since the landlady did not sign the contract, it is not valid and there is nothing they can do. They say she has been on holiday, which is why she has only just got back to them. However, I gave my notice 1 month ago and since then have not been given any warning that the landlady might refuse. The fact that the agency took the fees and first month's rent from the new tenant and sent us all the relevant paperwork indicates that they assumed the change of sharer would go ahead. The agency have already (today) refunded the first month's rent agency fees to the new tenant, but I have not yet paid her my share of the deposit. If anyone has any advice I'd be very grateful. Thanks, Katherine

my car recently developed a fault see picture attached , i took it to BMW and they wanted £650 to repair on top of the £100 i just paid to have a diagnostic . so i thought i would go see my friend that owns his own garage , so he rang bmw to confirm this could be done and they told him yes a second hand part can be put in and it will all be ok . so he fitted it , but couldn't turn the light , this can only be done by bmw , even though they told him he could do it . so i decided to get rid of the car , i got the service coming up the mot , it needs 4 new tyres and various other things , not cheap . i saw a vauxhall astra and thought i would go for that price £7249 , so i went and looked at the car , text drove it etc . the salesman looked at the car , came back in took his mate out and looked again , he then came back in and said he would give me £6000 as is for the car . so i said ok there are some others i want to look at first but will get back to you . i looked at some others , but decided to go back to the original dealer , i went in and seen a different sales guy , spoke to him and he pulled up all the paper work . he said i could have the car now , so i went home changed my insurance over and came back . we signed all the paper work and i paid the money , even the log books were signed over , they have this paperwork you have to sign that says that i am not aware of any faults , to me there were no faults , the car just needed programming . he then took the key to my car and went to look at it , he then came back in and said deal is off , i can't take your car because the light that is on is a critical light and means work needs doing , so i told him a bout the repair and he even spoke to the mechanic that did the repair . the dealer still refused to release the car even tho i now technically own the car , and he gave me my car back as a loan car to drive on their insurance and told me to bring it back when its repaired . i felt like i had no choice and i even let the dealer book the car in to be repaired . i wasn't happy because 1 sales guy said to me and i quote "£6000 as is" and 2 guys looked at it and he still wanted the sale . i would like to know where i stand on this ? was i in the wrong by saying no faults ? , because as far as i was aware the fault was fixed , it was just a light that couldn't be turned off .

Hi, My sister had PPI on a loan and credit card with HSBC. She applied to HSBC for her PPI (£1,800 for the loan and £1,500) for the credit card) i.e. a refund of the loans plus premium. She has just received a letter awarding her £2,100 for the loan but rejecting the credit card stating that she had a 30 day cooling off period and that it was clearly visable on her statement every month. The letter asks her if she wants to accpet this to sign at the bottom for the cash. My questions are: Are HSBC correct in saying no to a refund of the credit card PPI? If no, on what grounds can she appeal? If she signs the letter then is she then signing that she accepts both? Therefore she cant accept the Loan PPI but contest the credit card one? Can she put in a counter offer? Thanks in advance for any help. Helen

I have been with Santander for over 4 years now and have a current account with a debit card cheque book and overdraft facility and have run my account with no problems never been overdrawn ,never had a letter from the bank in fact when I contacted them they stated that they could see nothing wrong with the way my account has been run. But last November I requested a new cheque book and I was told that I was not entitled to have one due to the underwriters . I stating that since I opened my account nothing in my financial life had changed as they where made fully aware of my financial history by me before I opened the account in fact if anything it had become better and after a few phone calls and letters I received a new cheque book with a £35 payment into my account and a hamper. This morning I requested a new cheque book and I was turn down it seems that the underwriters had reimposed the ban last June but I have kept my unused overdraft and all my other banking services .Before anybody says I can do without a cheque book I do use it a lot due to fact I am disabled but that should not stop me from have a cheque book .The question I would like to know is that is unfair practice under the BCOB rules and why I was not contacted in June to the fact that this facility had been withdrawn although I can and still will write cheques untill I run out and all are being paid ,any advice gratefully received.

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Hi, Hoping for some clarification and / or advice please History My husband was off sick but on full pay so making NI contributions from Nov 10, on half pay from April 11 and no pay from Sept 11. He applied and after an appeal was successful in receiving ESA which finished in May 12. He has now applied for JSA but has been refused because he has not paid enough Class 1 National Insurance Contributions - they used tax years ending 5th April 2009 and 5th April 2010 to assess his claim. We are going to seek an explanation but want to be sure we fully understand this before doing so. We have his P60 for year ending 2009 Earnings up to and including the earnings threshold (where earnings are equal to or exceed the LEL) = £3171 Earnings above the earnings threshold up to and including UEL = £16403 Employee’s contributions £1534.83 Now I understand from a previous thread that for 2009 to be entitled to JSA he should have paid 26 times the LEL which was £90 comes to £2340. Given that he worked full time I don’t understand why enough contribution wasn’t taken from his salary? At the bottom of the P60 it says Net tax deducted £2954. We cannot find the P60 for 2010, but for 2011 and I don’t know if this helps at all - was as follows: Earnings at the lower earnings limit (LEL) (where earnings are equal to or exceed the LEL) = £5052 Earnings above the LEL, up to and including the earnings threshold (ET) = £660 Earnings above the ET, up to and including the Upper Accrual Point (UAP) = £28980 Earnings above the UAP, up to and including the Upper Earnings Limit (UEL) = £0 Employee’s contributions due on all earnings above the ET = £2713 At the bottom Tax deducted = £5191 So my query – any suggestions to what we should do next or is this a lost cause? My earnings mean we aren’t entitled to any other benefits. Many thanks in advance Aud

I booked a courier through Shiply to pickup a sofa I had bought on Ebay . Shiply charged me £29.99 and took a deposit for the courier of £24.93 The courier did not show up, did not notify me before or after he failed to make collection, could not give any date for a subsequent collection. The seller got so fed up she refunded my Paypal transaction. I contacted Shiply and asked for a refund as the service I paid for was never delivered. They refused to return both their fee and the deposit. Instead they offered a credit for my next transaction with them. I would never use Shiply again so now I have lost £54.92 and I want it back. Any advice would be much appreciated.

Help! I got a ticket somewhere in Worthing and clearly someone pulled it off the windscreen (or the wind got it, I've no idea) this was a while ago and I've since moved and changed my car, the first I knew about this was a bailiffs letter appearing at my new address! no NTO beforehand, nothing. . so I appealed using the directions on the government site with an out of time witness statement and declaration explaining clearly what happened and apologising for causing a problem, I thought this would be pretty straightforward and I had no problems with paying the original ticket amount, just not the £450 the bailiffs were now asking for!! sadly today I recieved a letter from the HM court and tribunals service telling me my application has been refused! so, now I HAVE to pay the bailiffs £450 for a ticket I didn't even know I had up till now it all seems a bit unfair.. and the bailiffs are giving me the old 'well sunshine, them's the rules' line. . I haven't actually had any contact since recieving the rejection from the court but I know its coming.. so I was wondering what my best option was! I could appeal but that's £45 before you even start and I'd probably still have to pay the bloody £450 even after all that! any help would be appreciated!

Hi I recently applied for a taxi badge licence , I passed the medical and the theory , but when it came to sending over my badge I received a letter starting I need to go to a tribunal and explain my criminal record and driving fines and penalties. At the tribunal I explained about my speeding fine an SP30 and an IN10 which came up to 9 points and my criminal convictions one of which I was 17 , I am now 28! They sent me out of the room and only took 3 mins to decide I shouldn't have the license and that I was an unfit and untrustworthy candidate to hold the licence of which I feel cheated . I know at least 3 taxi drivers with worse on their criminal record that have been granted licensed. I paid over £250 and wish to appeal. I have already been provisionally approved for a job at my local firm. I can't afford solicitors. Can someone help me , I need advise. I only have 21 days to appeal.

I have just recieved a letter after 8 weeks from barclays to say my ppi claim has been refused on the grounds it was submitted by post and as a result they are not able to uphold my complaint. I was paying about £10 a month for at least 5 years . What steps can i take now ?

I have been fighting a ticket I received by Harrow Council for parking in a resident bay without displaying a valid permit even though I had a visitors permit which had fallen back from the dashboard out of visibility. I wasn't able to attend my Patas hearing as I forgot all about it because my father was in hospital for emergency surgery. so the outcome was decided in my absence and the appeal was refused (i ahve attached the decision). apparently even though i had a permit, i am not exempt from paying just because it fell off. this does nto seem fair - is there anything i can do? is it worth appealing the adjudicators decision or not? any help would be much appreicated! not wanting to complicate things but one to point to mention is that i actually recsived 2 tickets on 2 consecutive days for the same reason and the photos of the dashboard for both days look different even though i know the car was parked there without any further any entry for those 2 days. also interestingly i had my other ticket cancelled before it got to patas. i am not sure how much arguing about the photo would help though, because there doesnt seem to be an issue of him believing me about the permit falling back, but that this is not sufficient grounds for cancelling. is this true? i thought people have won appeals based on tickets with no adhesive falling down? thanks decision.doc

Hello everybody, sorry to bother you but I need help! In 2007 I took a loan with a PPI for 5 years in Lloyds. I would not take the PPI but I was told that I have to otherwise I have no chance to get the loan, I was not given full details of the insurance policy and I didnt understand the terminology and conditions at all /I got lost after few words/. So I did because I urgently needed money. 2 years later I took another one /now without PPI but with a huge interest as a price for it!/ and paid out the first loan. The bank took all PPI for themselves! Now I am claiming my money back but got the answer from the bank that they will not return it to me. So, the question is: do I have to call the bank to tell them that I disagree with their decision /within 28 days limit/ or can I write to the Ombudsman /FOS/ straight the way and ask them for help? Anyway, what should I do at all? Thank you