I bought a Samsung Chrome 5 series on 05/01/12, the screen is not working properly, the screen only comes on if I get it to a certain position, if I tilt it even slightly forward or back it goes blank...... I called Curries who said if it's over 12 months old they don't offer any repairs or help whatsoever! I called Samsung and I can send it to them and pay for any repairs! do I have any rights with Curries under the sales of goods act? Any advice would be appreciated thanks

Never thought I'd be writing asking for advice on fences! My neighbour (who refuses to talk to me) erected a heavy 6ft high wooden panel fence by screwing the large heavy panels to my dainty picket fence and its 3ft posts in the summer. All without my permission, I just came home one day and it was there. I was worried it would all get ripped down in heavy winds, as my fence posts weren't designed for large solid panels, and in yesterdays storms I was proved right. One of my posts has been snapped in half and so has the frame of one section. I'm looking for advice on a short letter to write to my neighbour requesting all their fencing be removed from mine to prevent further damage, but would also like to know if I can expect them to pay for the damage caused to my fence, and how I should approach that. In their mind, I'm sure they'd now love to just replace my now half broken fence with their own large one, but I'd like to keep my fence as is (once repaired) and request they make whatever arrangements for a large fence on their own property, without physically affecting mine. Is that a realistic request? Thanks!

hi i am hoping someone can just double check some wording in a contract .my wife is leaving her place of work and has been offered a new job her contract states what we believe is that she has to give a months notice which is fine..but she has been there alot longer and the contract sort of sounds like she has to give 3 months notice.. below is word for word what it says .your employment will be subject to the following periods of notice:after 4 weeks employment-1 weeks notice. after 2 years employment-1 months notice to terminate your employment. You are entitled to receive the following periods of notice after 4 weeks employment -1 weeks notice. after 2 years serive-1 months notice.after 5 years service -1 week for each year of service to a maximum of 12 weeks for 12 years service.payment in lieu of notice may be made in certain circumstances. now from what or how i ready it if she hands in notice it will be 1 months notice..but if they intend to let her go then it would be 12 weeks notice as she has worked there for 13 years. can someone just read over and let me know thanx

Morning, I have two unpaid council tax bills from 2008 and 2009 that Rossendales are chasing. I have been making small weekly payments each week direct to the council. I sent Rossendales a notice of implied rights of access by recorded delivery. They sent a reply that worries me and need advice on what to do next. They say they will be enforcing two liability orders against me from the years above. They say they are proof of my lawful obligation to pay council tax. It says the orders enable a certified baliff to act for the council to levy distress. Says recovery action can result in improsement through the courts. Lastly they say they have peaceful right of entry what i do know but the liability order maybe residing on assets and will supersede the notice of removal of implied rights of access. Trawled through forums but can not find the answer to the implied rights of access being over ruled. To add it is my partners property and everything is in her name. Some advice would be great.

Hi everyone, I'm wondering if anyone can help me with a couple of things at my workplace that I am unsure of. I work for a toy retailer and have worked there for three years. We must arrive in good time for our shift- ten minutes before our shift start time, or else this is considered late and can lead to disciplinary action. I have no issue with this, however, we are told that we have to have our briefing for the day five minutes before our shift so that we can rotate the staff on the shop floor without delay. This five minutes is unpaid. I can understand that this, in theory, makes sense however rarely does the daily briefing last five minutes- often lasting between ten and fifteen rendering the whole point of starting five minutes before useless anyway. This briefing is obviously a benefit for the employer and certainly not something I'd care to do in my spare time, I consider it as working. A couple of months ago I read an article about Apple stores being sued by staff for keeping them after their shift unpaid to perform bag searches, which was of no benefit to the staff and they were often kept for more than thirty minutes to do so. This made me think about the other issue that concerns me more- my manager informing us that they can legally keep us fifteen minutes beyond our shift end time unpaid. Now considering I'm only contracted to four hour shifts, fifteen minutes is a relatively large amount of time that I feel I should be paid for. They do not use any time in lieu to compensate either way, but what would be my rights if I refused and left the premises? I estimated that the briefing time over the past three years has equated to roughly over three weeks pay, so over a week a year I am not being paid for. Obviously this does not include any time our duty manager deems it necessary to keep us after shift. What if I have plans? Or an hourly train to catch at night? Doesn't the employer have a duty of care if I'm walking the streets at late hours? I cannot find anything online that would indicate that they are legally allowed to do this, nor is it written in my contract. Could they simply change my contract? I would really appreciate your help on this matter, thank you for reading my post. Regards.

In this clip the tv license guy, right near the end of it, reads the occupiers their rights. https://www.youtube.com/watch?v=2CZtUaWy-3g How can that be right? He's a commissions agent working for a private company so how can he lawfully read someone their rights?

I jointly bought a house in 2007 with my partner at the time. We both got it into arrears although he blames me entirely (he ignores the fact that he didn't give me his half each month) anyway long story short! Acenden took us to court, was granted an order and we arranged a payment plan... Then in July 2011 I had to get an occupation order out against my ex, this was granted and he was removed from the property. The order was then dropped a month later with attachments due to me finding out I was pregnant and him making me believe that he would change. Then in March 2012 he threatened me with burning the house down if I didn't leave. I had to think of my 12year old daughter so we left. He then subsequently moved in 5 months later and changed the locks. I have not been paying towards the mortgage as I have struggled to find another home for myself and my daughter. I also am living in England now instead of Northern Ireland due to my ex. My question is, do I still have rights to a set of keys to the property and can my ex refuse entry to the property as I fear he may have turned it into a growing factory as he always said he would... Please help! Ps I'm sorry if this thread is in the wrong place, couldn't find a relevant section!

Hi All, Im hoping someone on here can help me. Housing benefit have cut my benefit by £50 per week because they say they have over paid me by nearly £700. Now I am angry about this for a number of reasons: 1) they miscalculated my claim, I always notify them of changes to my circumstances immediately and they had all the correct information to work out my claim, they say they over paid me due to cuts in childcare costs, I notified them of these changes last September. 2) this is about the 4th time that they have done his to me in as many years 3) while it probably wont place me in financial hardship it is definitely going to impact on my quality of life and I've signed up to things that I wouldn't have if I had known this was going to happen,. i.e. a new sofa and sky. I am going to write them saying it is not fair that they reclaim this money as they had all the necessary information to calculate my claim correctly, i am also going to write a stage one complaint about the frequency of which they have miscalculated my claim. I just wanted to know if there was any case law or something that could quote, I'm so tired of them doing this to me. Any help would be appreciated. Sabby

My car was - shall we say - taken roughly from behind by an Audi in January, it was a write-off, the attending policeman on the night said so, indeed; agreed with me that it was so. Aviva - for it is they - wanted to take the car from Andover to Poole, to be looked at, I had instruction from Andover police (Whichurch Roads Division) to hold on to the car, until the investigation had been completed, I explained this to several women in several telephone conversations, only to have them ring me the next day (or later the same day!) with a "Mr W******, we believe you are ready to have your car collected?" This was the call centre in...wherever? Mumbai? I was in Andover for a training course, when that came to an end, I drove the miserable vehicle 40-odd miles (no one had told me not to!), while it made a noise like a Stalwart and any police who passed me on the M3 managed to look the other way! It came to rest in my Mothers drive...and is still there! I then went to my broker (A-plan in Newbury - it was by now March) and they tried to get things moving again, I kept offering to send photographs of the fold across the roof and the wheel-arches 2mm from cutting the tires, or suggesting it would be a lot cheaper to send someone out with a camera or smart-phone to take photographs (the police having still not cleared it for removal). More idiot calls with people on the other side of the world (Aviva (India)?) ensued with no one being able to understand that A) the car could not be moved, B) was clearly - to a half-wit with one eye - a 'write-off', and C) I was getting very annoyed. Another intervention by A-plan resulted in another request for the car (now 40 miles further away from Poole) to be taken to..er...Poole. I wrote the first of several complaint letters to all parties (Aviva, A-Plan and the garage in Poole who had by now falsely [in my opinion] accused me of not communicating with them when their internal phone system seemed shot to pieces). Someone from Aviva (UK) - who I won't name yet (but might be naming on my blog with all her correspondence), then agreed that it was all a shocking delay and she would be taking full charge of everything. Over the next few days I gave all the details of the accident/indecent and all relevant facts and personal information to not one but two separate individuals. The same info. I had already given several times to women at Aviva (India), and A-Plan...twice! It was by now May'ish and by some irony the police had released the vehicle. The Irony being that Miss whatshername from Aviva had finally developed the bright idea of allowing me to send photographs to her...which I did! Enclosed; [ATTACH=CONFIG]46480[/ATTACH] [ATTACH=CONFIG]46481[/ATTACH] [ATTACH=CONFIG]46482[/ATTACH] She has never acknowledged receipt of those photographs, nor answered the eMail that they were sent with, I know she got them as I never received a bounce-back while I did receive a 'I'm on holiday' bounce-back to my next letter of complaint - which she hasn't replied to either! The law firm which was by this point dealing with the medical aspect of the claim did get their copy. Now, a third - increasingly exasperated - eMail from me followed the other week, it reported that I had by this point - 8+ months after the accident - discovered that the car is quite rare, or at least the engine is (I'm no petrol-head!), and in discussion with Braydon Motors of Essex (who know Volvos) was given verbal quotes of around £2000 plus for a runner (which was likely to be on it's last legs - I've spent about £3000 getting mine 'right' over the last 3 years), if one could be found (they are that rare), or £1500 for a dead one which could have my engine put in it for around £600 with labour. The car's value with A-Plan being listed at £400/450, based on the old Volvo 940's (it's a 960 model). She finally replied, only in a very petulant manner, three lines, saying the car would have to go to Poole! She failed to mention the other eMails, the photographs and/or her tardiness in failing to reply to them. Meantime, the law firm want me to ring a number no one answers, to get hold of the other parties insurer (UKI/Natwest apparently?) who to date have not contacted me at all. There is more nut that'll do for now! Question for the Aviva person who apparently reads these...What the hell is going on? Questions for Caggers... Can I insist that the verhicle be rebuilt or repaired? Can I go to the Ombudsman without further recourse to Aviva? They've had more than eight weeks to deal with at least three separate complaint letters/eMails. I asked months ago if I should have retained the hire car I had for 28 days, or get another hire car to charge to the other party, I got no answer from Aviva, should I just go and get one and bill someone, if so who - Aviva or UKI/Natwest? I suggested an interim payment back in March, got no answer form Aviva, given my life is half on hold until I get a replacement car, can I request such a thing? Given the difference in Market Value between the original quote (400-450) and the actual market value (2000'ish), can I expect the higher amount? If it gets settled before I die! The girl from Aviva said she'd reimburse my premiums (I paid cash up-front), but reading another thread just now, it's clear that that's not something she could do, and shouldn't have said she could, however, had this all been sorted out in Feb/March (a more normal timetable), I could have transferred a replacement vehicle to that insurance, now it only has a month or so to run, can I claim compensation for loss through delay? Finally - after my last irate eMail, someone from an organisation claiming to be the 'umbrella group' for the insurance industry (CCS or something) and representing UKI/Natwest, rang me about two weeks ago, but we got cut-off, her number was withheld and she hasn't emailed me. She also started to ask all the details I have now given out at least six times. She clearly didn't have my details in front of her and I have suggested in the past that it seems to me like Aviva might be the other parties insurer...trying to offset the purchase of a new Audi by giving me the run-around? Am I being paranoid?

Hi, my husband and myself are being pursued by two different companies for two debts (one of my husband's, one of mine). However my debt is now being dealt with by the company direct and they have closed the case with the collection agency and my husband's debt has been passed to another debt collection company to deal with. However the two companies concerned are still writing to us trying to get payment. What are our rights?

Hopefully good news for Gym members at LA Fitness and Dave Whelan Sports (DWS) and those with other gyms whose Admin is handled by Harlands :- These gyms have agreed to make cancellations easier for folks when their circumstances change. See The OFT report here - http://www.oft.gov.uk/news-and-updates/press/2013/62-13 Extract from The OFT press release on 10th September :- The undertakings to the OFT from LA Fitness, DWS and Harlands Group include: * Extended rights for members to cancel their contracts early should their circumstances change in a way that makes attendance at the gym difficult or unaffordable - for example if they lose their job or suffer an injury * A commitment not to describe membership as being of a fixed duration, if the contract automatically continues on a rolling basis after the initial membership period has expired * Greater transparency about key membership features, including initial membership periods and cancellation rights, and for these to be provided upfront as part of the sales process. It will be interesting to see how well the gyms or gym admin Co's stick to the new undertakings. This is in addition to the agreement that The OFT reached earlier this year with Bannatyne Fitness Limited, David Lloyd Leisure Limited and Fitness First Clubs Limited, to change their contract terms. Time will tell ...............

Hi. I'm looking for advice as to how to proceed (or not) with a purchase of a car. I took a test drive of a Freelander 2 advertised on a local motor trader's web site. It is an '07 GS Model with 50,000 miles. I liked the car and agreed to pay the asking price of £10,995 so long as they agreed to take my car in part/ex for the price I wanted, which they did. The Freelander's MOT lapsed in June 13. As part of the deal, the trader agreed to MOT and service it (oil and filter). MOT has 4 advisories: two were for deteriorated rubber bushes (wear and tear?), and one was to indicate that the under-tray obscured some components, and another to indicate that engine covers obscured some components. I paid for the car using a bank transfer, having borrowed the funds from my parents to fund the purchase. I collected the car on Wednesday 7th August at 11:00. The car fuel gauge indicated 3/4 of a tank of diesel. This 'Distance to Empty' display gradually rose to c 250 miles, and I drove about 240 miles. The fuel gauge dropped to just below half full. On Friday 9th August at 09:30 I was driving close to my home when the car went into 'limp' mode while driving up a hill. The error message on the dash stated "reduced engine performance" for about two seconds, then the car stalled and would not restart. I walked home and spoke with the dealer who, after some persuasion, agreed to return my part/ex car and bring a mechanic to assess the problem. The mechanic brought one of those devices that plugs into the car's management system and there were about 10 fault codes, but the one that stood out stated something like "reduced / no fuel pressure forced engine shutdown". The mechanic alleged that the other fault codes were not important or were related to the pressure fault. The mechanic insisted the car had run out of fuel. I doubted this and described the fuel gauge / DTE etc. He guessed that the fuel sender unit had jammed, and that the car had run out of fuel even though the gauge read half full. He put about 10 litres of fuel in the car and freewheeled the car somewhere flat, and restarted the engine. I was then offered the car back, and it was suggested that I keep a fullish tank while they ordered the part from Land Rover and fitted it later. Instinctively I declined, and asked them to take the car away and fix it and only offer it to me when the fuel system had been fully tested. It was explained to me that the repair may take a week. In turn, I responded that I was on leave for two weeks so it may be the end of August before I can swap vehicles again. Which brings me to my query. I have read through some of the threads on the boards, and looked at summaries of the SOGA 1979 and I guess I could ask for a refund, but I may have a fight on my hands. I like the car, and what I'd like to do is to have it independently inspected for any other faults before accepting it. Clearly I should have thought of that before agreeing to buy it, but I can't change that now. Or, can I write to the dealer and set out my rights under the SOGA and explain that if I accept the car, I will have it immediately inspected and I will return it for any necessary repairs? Any advice very much appreciated. Many thanks, Paul.

Dear all, Hope someone can help me. I hired a luxury car from a company and paid them a £2000 deposit on my credit card, I did not take a copy of the contract though they have their standard terms on their website. The car was returned with no problems whatsoever and in pristine condition, this was not disputed. I then asked for refund of the deposit and was promised it would be done, however a few days later the trader refused saying they had been advised by the Police that they had received complaints of how the car was driven!!!! To my shock I contacted the Police who said they were simply chasing a complaint from a neighbour about noise (the car was a high performance sportscar). The retailer now refuses to engage with me on this even to the point of not even supplying a copy of the contract, and telling me to do whatever I wish! As I had paid on my credit card I thought I had some legal redress and therefore claimed under their chargeback scheme. I have now received a letter stating that they are unable to offer any assistance and would only be able to do so if the retailer is in clear breach of contract. They also state that due to the lack of documentary evidence in support of my claim they have no recourse to the retailer. They end by saying that although they cannot process a claim I should pursue the matter with trading standards or Citizens Advice Bureau. Having read numerous posts on the internet re: s75 it appears they cannot simple do this as they were jointly and severely liable for breach of contract. What advice can you give me in terms of taking this matter forward against both the Credit Card company and this rogue trader who should not be allowed anywhere near a CC machine. Its a lot of money for me, and this was my wedding car. I am desperate for help as this has pushed me into debt. Please please help. Many thanks in advance. Mas Additional info: Having checked regarding refunds in their terms and conditions, this is the only thing that is apparent is: "xxxxx Cars will provide refunds to those who are not in breach of any of our terms and Conditions." There is nothing in the terms and conditions that remotely match the reasons verbally stated for not returning my deposit. (As you can appreciate I have taken out their name.)

long story short. My employer sent me arond £1k of "work" using signed for royal mail service. After a week, i hadn't received it. Phoned employer, they sent me link to tracking site, where it was clear the item had been signed for. Not by me. No neighbours signed for it. A week AFTER this my wife found a royal mail slip behind the door saying " item in blue bin" Obv there was nothing in the blue bin. So where do i stand. RM say its only insured for £50. employer has now washed their hands of it, and ME ! I'm not pointing a finger here, BUT i have had signed for items delivered to my address before without me ever having signed for them....

I work for a global company, I am contracted to 32.5 hours per week, since starting my employment I have worked on average 46 hours per week, basically I am not allowed to leave until all the work is done, this could be 3-4 hours after my 6.5 hours are done I am constantly told I will be sacked if I leave early as my contact states I am required to work over time. To be honest I am quite happy doing the extra hours but when I come to take a week off holiday or am off sick I am only paid my contracted hours 32.5. since working for this company for 18 months now I have discovered there are many workers on different rates of pay I am on £7.50 around 50 are on £13.70 and 150 on £11.79 but we are all doing the same work except I work 5 hours more a week. I have raised this with the union rep, but she says that's how the company works and then tells me to keep quiet about this or don't rock the boat. Is there any thing I can do about this, as this seems really unfair?

Basically picked up a car saturday afternoon. Used car but I was happy enough with it. £1000. Had a short test drive and it felt good, looked around and on the face of it all very good, no problems, dealer had all the papers and stuff, everything in order. Was an engine light but he told me this was ignition coil which was haggled off the price paid. Paid on debit card and set off out of Birmingham, 20 miles down the m40 lost power and pulled onto the hard shoulder. Car wont start and battery dead etc, turn the key and all the lights went out and clock reset etc. Towed home by RAC, got home at 10pm after standing in the rain for 90s mins. Emailed him last night telling him what happened and asking where to go from here. Basically he said I need to get the car to him and get it checked out which is a lot of effort so I asked if I could get a local mechanic friend to check it which he agreed to. He had a look and after hoping it was the alternator he came back saying it is certainly more serious. Cant remember what he said off the top of my head but we are talking £600+. Let the dealer know this and he now says to bring the car back over so his mechanic can have a look. My personal preference now is that I want my money back, ive put £25 petrol in the tank and i'm hiring a tow truck so i'm out of pocket immediately, id rather put this down to experience. Now the fact that he wants his mechanic to see it gives me the impression that he is thinking of doing the repair. In fairness the dealer has been polite and quick to respond to all emails and contacts, he has several far higher value vehicles and is selling on Autotrader. Where do I stand here legally? Also how should I accept a refund and what should I receive to confirm the refund? I realise I have not used a credit card but ive read somewhere about debit card chargebacks, what is the situation with these? Any advice much appreciated, i'm going at 2 tomorrow afternoon.

can anyone recommend a good site for legal matters my son and his partner have been separated for 9 months she walked out saying I've had enough he has been struggling to pay the joint mortgage on the house on his own and at the start of the split she agreed to him paying the mortgage and not any child support he could not afford both it's now got bitter and shes stopped him seeing his daughter which is ripping him apart shes allso contacted the CSA for money and now hes left in the dilemma that he can only pay the child support and not the mortgage over the past 9 months she's not payed 1p towards the mortgage or any bills and refuses to let my son sell it to clear the dept is there not a rule that allows my son to sell it after so long sorry for going on abit any info would be appreciated

SOURCE: http://www.equalityhumanrights.com/news/2013/june/commission-welcomes-supreme-court-ruling-on-armed-forces-and-human-rights-protection/ 19 June 2013 In a landmark judgment today (Wednesday 19 June) the Supreme Court ruled that British soldiers killed while serving in Iraq were still under UK jurisdiction and so were entitled to human rights protection to the extent that is reasonable and does not interfere with the demands of active service. Serving in the armed forces inevitably involves risks and dangers which our servicemen and women take on willingly. This ruling will extend the same protections of their rights to members of the armed forces on operations abroad which already exist when they are in the UK or an overseas base. So for example, if their equipment is proven to be faulty then they should be protected from that at home and abroad. Simply being in active service should not mean our armed forces lose all protections of their rights. It will be for the courts to determine whether there were human rights violations or negligence in particular cases. However, the commission believes that the Supreme Court’s ruling provides a reasonable balance between the operational needs of our armed forces and the rights of those serving in our armed forces to be protected in the same way as we expect them to protect the rights of civilians abroad. The Court unanimously accepted the Equality and Human Rights Commission submission that members of the armed forces are under the authority and control of the state and should be subject to the obligations and benefits imposed by the European Convention on Human Rights wherever they are in the world. The case at the Supreme Court involved the mother of Private Phillip Hewett and other families against the MOD. Their relatives were all soldiers killed in action and are seeking to bring claims of negligence and breaches of the duty to protect life against the Ministry. However, their ability to do this rested on the Court finding that Article 1 of the European Convention, which provides that rights and freedoms should be available to all within the State’s jurisdiction, reasonably applied to the men whilst in Iraq. The Court found that it did meaning that their cases can proceed to trial. Lord Hope, Court Deputy President said: “The extra-territorial obligation of the contracting state is to ensure the observance of the rights and freedoms that are relevant to the individual who is under its agents’ authority and control, and it does not need to be more than that.” This case is one of several the Commission has intervened in as an expert third party to ensure human rights protections cover UK armed forces abroad to the extent that it is reasonable to impose such a duty on the state. The Commission made no submissions in relation to the families’ other claims. Commission deputy director, legal, Wendy Hewitt said: The Supreme Court’s ruling means that human rights protections have been levelled up so that we are no longer expecting our armed forces to fully respect the rights of civilians abroad while not being properly protected themselves. “From this basic principle it is now up to the courts to decide how this should apply in practice. “This is not about interfering with the way military decisions are made in the field but how everyone serving in the armed forces is given the protections they deserve.”

Hi So Im a tenant in a house and recently subletted one of the rooms. I didnt get permission only because my landlady is never around and barely gets back to us as she works away a lot. Shes usually very easygoing so i didnt see it being an issue to be honest. Anyway someone moved in and we agreed 3 months initially with a 2 month notice period. We agreed that they would pay a deposit which would be refundable if they chose to leave at the end of the 3 months and there were no damages or rent arrears. We both signed this agreement. The person told me 4 days ago that they wish to leave and they moved out today! Giving me no notice at all. They did not pay any further rent. I have told them that they will not be receiving their deposit back as they did not give a notice period and obviously as a joint tenant it leaves me in a very difficult position as rent is due in a few days and it will be very hard to find someone to move in so quickly. I have received an email from the subtenant demanding their deposit back and quoting law that says i shouldve put the deposit in a scheme. I appreciate thats what landlords do, but I am not the landlord. Do they have any rights and what are my rights please? Equally i could say we had a signed agreement for 3 months but i have not asked them to pay the full 3 months!

We all know a bathroom shower is slippery but this hotel, a new one in france has no grab handles anywhere near the shower, just a plastic or glass divider and a grey bathroom floor that is so smooth that with a small drop of water makes it worse than ice as you step down from the shower base. I have very server bruising on hip and day later left arm cannot be used What are my rights? I have photos of bathroom and injured hip I reported incident to reception and got the email address of manager. I have checked out as I can at least walk

Hi All, I am looking for some fairy urgent advice please as i am kind of stuck to sort this out at the minute due to working away from home. My partner and i split up 3 weeks ago and she moved out finally last week. The details> 1. We are not married 2. We had property on 75/25 with Barrats. The house is on £33000 negative equity 3. Halifax wont transfer her name to just me - bank says showing some late payments NOT for mortgage but for other stuff but not behind on anything either 4. in 5 years we had the house she has never paid a penny towards it 5.She wont give me the keys as apparently she has a right to have them still 6. The above worries me as when she moved out last week her and her parents have been through ALL of my personal stuff like pensions, wage slips, will etc and have taken documents. 7 As i work away a lot i am worried that she will just enter the house and open letters anytime she likes What are my options? What are my rights? What rights does she have? We have a 5 year old son, and she wanted £355 from me via what the csa have advised. I have said if she goes that route i cant pay the mortage and then we will be both be liable. Eventually she saw sense, and we have come to an amount i can afford. Sadly i think i will get done over by her. I think that if the mortage comes out of her name then she will then go via the csa and then i am right in trouble. So any thoughts on this on at all please??????

Hi All I have an unusual problem so i'm going to state all the facts: I called a cab to pick me up from home to take me to my local tube station as i was running late for work. The cab pulled up to a nearby set of traffic lights and was in a line of traffic waiting to turn right (it was a red light). There are two small lanes on the approach to the traffic lights, one to turn left and one for right. the left lane was empty. I asked the driver if I could get out there and cross the road to the station instead (I was in the rear passenger side seat). He said yes and in fact that was more convenient for him. I paid him and then opened the door to get out - I keep running this through my head and i definitely looked first and did not see anything coming - . Just as I was about to step out I looked out of the open door and saw a car coming down the left lane at speed. I leaned back in and tried to pull the door shut but was slightly too late and the other cars wing mirror hit the cabs door edge. He obviously didn't see me either. The was no visible damage to the cab door. the was quite bad scratching to the other drivers mirror. We all pulled over and got out. The cab driver started swearing and looked at the damage to both cars and said 'I've got to get to another job, sort this out between you' jumped in his car and drove away before anyone could stop him. The other driver managed to get his license plate number. I was completely confused about what was supposed to happen the other driver said 'I'm not bothered with you, you're a passenger' and started getting into his car. I stopped him and said 'at least take my number' which he did and drove off. I realised later that didn't have any details or pictures of the damage. The cab driver has since got my number from the cab office and has said 'its your fault but I am willing to pay half the damage and but I don't want this going through my insurance' he was a little arrogant about it saying that he thought he was being more than reasonable to which I replied that I think I am too for being willing to pay the other half as I could have just walked away. He then started threatening me with the small claims court. So the situation stands at this. I have no way of contacting the other driver and I imagine he will just go down the insurance route and there is nothing I can do about it. The cab driver shouldn't have driven away. Can the cab driver actually pursue a case against me? Don't cab drivers have insurance for just this sort of thing? Thoughts welcome please!

PLease can anybody help, Yesterday, A bailiff arrived at my place of work - a school, having gained entry by telling the receptionist he wanted to see me on a " private matter!". He demanded £ 350 for a parking ticket that we were apparently given in 2011. We have never received either a ticket on the car or any letters etc. through the post regarding this. Apprarently it has all gone through the courts in Northampton?.How? The bailiff was very intimidating and threatening. Claiming that he would clamp the car and come back and take it away. Refusing to leave the school property without the money. He also stateed that the reg. number of the car was on the traffic cameras and we would be arrested by the police if we attempted to move the car? The council will not discuss the matter with us as it has already been passed to the bailiff? HOWEVER. we have never received any paperwork/ letter/ticket prior to yesterday's visit! Anyway, we had to remove the man from school and so the only way to do that was to pay using a credit card - that I can't pay off! What right do we have now or is it too late? Can I cancel the payment? Can I complain? Can I have the charge reverted back to the original amount - was it even my car that was parked illegally in the first place? THe problem may have arisen as we had moved shortly before the alledged parking ticket was issued and had not changed our registered address in time. Therefore, maybe any paperwork was not sent originally to the correct address? However, We have since changed the address and the Bailiff managed to find us? I would be grateful for any advice any body may have to help with this! Much thanks

Hi all, if Ive been on a 6 month fixed term contract and it has been rolled four times since I started! Should I have received a new written contract everytime my employer rolled it! As my end date was 30th June 2012 and since that date I have not been given anything at all in writing its now been a year I've worked past my last written contracts end date.

In order to reject a used car, do I take it back to the dealer, even if we are in dispute about how much he will refund me? I am planning on taking him to court for the full amount I paid, plus compensation for repair costs, as it broke down after one week and was not as described. If I take the car back, do I sign the car over to him while I let the court decide how much he should refund me? If I keep the car until the issue is resolved, do I have to insure it, even if I don't use it? The car tax is due to run out, can I claim back the cost of this, since I am not able to use the car due to the dispute? I have asked the dealer to collect it, but our negotiations have been going on for almost 3 months and he keeps changing his mind about what he is prepared to offer me. Meanwhile I have a car that I can't use.