Hi I wonder if anyone can help, My parents took a mortgage out in 2001 and alongside it was Total Mortgage Protection, now my step dad has always been careful with money, and cannot recall asking for this or it being "sold" to him. Is this something that could possibly be claimed back? He has never thought about it before until these have you been sold PPI people got his number. Thanks in advance

Well on 22 July they sent out a marketing email saying that in future you can have Alert Only at £ 3.99 , ie without ID Fraud Insurance. They said you can make this change quoting reference NEW01 by email to [email protected] Today there was a reply : No you can't do it , you have to call us !! Hopeless !!

I was after some advice please about success in cancelling gym contract I joined Total Fitness in April at £40 a month membership. Since then I have had my tax credits cut and this was paying for the membership. I have had to sell my car to bring money back into the homepot. I have sat down and tried to work out finances but I can't really afford it anymore, especially now I don't drive and have to factor in bus fairs to the gym. I appreciate that I am in a 12 month contract, but I simply cannot justify £40 a month on what I see as a luxury item rather than an necessity. Do anyone have any advice or template letters which might be able to help. Much appreciated

Hi People, Heres the story, I got a parking ticket from TPS on the 19th April 2014, so on the 22nd April 2014 I sent them an email with my appeal as I was parked there due to a breakdown on my car, here is the email i sent them...... Dear Total Parking Solutions I am writing to appeal the parking charge notice that was littered on my car that is registered to myself on the 19/04/14. The PCN number is MT30394271. First of all I would like you to send photographic evidence or proof that the car was parked between the hours stated on the notice. I noticed that you had signs in the car park stating you have ANPR in operation, I would like to see the images that that has been recorded of the vehicle entering and exiting the car park. On the day of this notice the vehicle broke down with exhaust problems, which means that the driver had to get it repaired straight away as it was was unfit for the roads. Halfords was nearest, but they did not have the part so, The driver had to go into the town centre and get it. The driver could not drive on a public highway as it would be illegal to do so. I feel these are reasonable grounds for a appeal, I would like to here correspondence from you within 14 days of this email, any later I will presume this matter closed. Thank you Receiver of notice MT30394271. Normally I would ignore them but something tells me that I should follow this through. I had a automatic email back staing that they WILL get back to me within 35 days, today is 37 days and still no reply via email (as they have not got my name or address as of yet). So where do I stand as they have not got back to me on time like they stated. Advice please

just got home from having a puncture on my mobility scooter lol, and came home to find that Vanqis are having a bop now ffs lol.... i sent in all required information to them recorded delivery ( i have proof of delivery and signature) disputed the excessive charges currently (£400)+ i do have repayment option plan and they have now said they will respond to my complaints for refund within 56 days, so using this snippet of info if i now get a DCA write to me i wait 56 days or near enough to reply

My wife parked a vehicle registered in my name in a private car park serving 6 shops including Dunhelm, she visited Dunhelm for a short while, approximately 20 minutes or so whilst the staff tried to sort out an order she had placed for collection. The goods had apparently not been received at the store and she left. Her car had been pushed sideways into another vehicle and there was a note on the front of the other vehicle saying she had witnessed the incident. Considering that the car park is flat and the hand brake was on and the car was no longer pointing in a straight direction but at an angle of about 40 degrees and there was paint damage and a small dent to the rear passenger panel behind the rear wheel on my wife's car it was fairly obvious that her car had been hit and pushed into the other car. My wife was extremely upset and tried to find the owner of the other car into which her car had been pushed. She returned to Dunhelm and staff there gave her a cup of tea whilst the other car owner was looked for. My wife eventually phoned me and I drove 12 miles from our house to the shop. I took photographs and also phoned the police who would not attend as no one was hurt and it was on private property. I phoned our insurance company who took statements over the phone and we also gave them the name of the witness who had also left her phone number. As my wife was extremely upset and was concerned that the driver of the car that her vehicle had been pushed into should be told what had happened I told her to take my car and I would wait for the other driver to return. This took quite some time. I, as the registered owner, have today received a charge notice from Total Parking Solutions. Do I have to pay this. The incident occurred about two weeks ago. To make matters worse the insurance company phoned the witness who stated that she saw my wife's car roll into the other car. As noted before it would have been impossible for the car to have rolled a total of 14 feet gathering momentum and also swinging to the left at an angle of 40 degrees causing damage to the front of the other car at an area beyond where the two cars were touching.

A good hard working Polish friend of mine received an emergency phone call and had to leave work because his son was apparently seriously ill. The child (under 2 years) was dragging his leg, couldn't stand or walk properly. His mother had taken him to see a GP, and was advised to go to hospital straight away, that morning. Whilst they were in the hospital, they were seen by one doctor, then another.... then another, they took blood, did all sorts of tests etc, including taking X-ray's. After hours and hours they were still none the wiser and just a waste of time. It was said, that there was not much more that they could do as they couldn't identify what was wrong. By this time it was around 8-9 pm at night, when they were hungry, tired, and the child was crying to go home. They were told, that there isn't much more that the hospital could do, and so decided to go home. They signed the necessary paperwork and went home. About 11 pm, knock, knock at the door, its the Police ! They were being accused of abusing their child ! - after lots of upset, questions etc, the police went satisfied, that there was nothing wrong or untoward. The whole house was woken up, The neighbours finding out what had happened, His wife, very distressed, scared that her kids could be taken away, scared to leave them at nursery, compounded by the problem that her English isn't too brilliant and cant't defend herself properly. A day or so later, the symptoms disappeared, it seams that it was just a virus after all ! Now his wife is worried that they are now on some sort of list with Social Services, can't sleep at night and the neighbours think that they have hurt their child. Every knock at the door, his wife panics. What should he do ? Thanks.

I could really do with a little help .... I was taken really poorly last year and claimed my insurance for my mortgage which they paid for a year , when I was diagnosed with a critical lung condition which has stop me from returning to work I tried to claim my critical illness cover under my total mortgage protection cover and they informed the respiratory diseases are not covered in my policy although it is a total protection I was under the impression as it is a total cover I have paid this insurance for the past 20 years and feel I have been miss led please could somebody help as I'm now in danger of losing my house thank you

usual story, MBNA debt sold to these clowns, who assumed that our agreement with MBNA to pay £24 a month meant that they would get the same, not a cat in hells chance, came into some money offered a F&F but they wanted an I&E (fat Chance), we offered £10 a month, they still insist that they cant accept any offer without an I&E, we set up a standing order anyway and have been paying that, They have now come back and Threatened to pass this on to a debt collector (arden) This is like a red rag to a bull raised an official complaint about the fool who has been "Dealing" with us. they also threatened to default the account, but I am 99% sure that MBNA have already done that which I have informed these fools of. Now I am not at a total loss as how to deal with these idiots but, quite frankly they are really getting on my nerves. so any advice / thoughts would be nice to receive. another thing I have now cancelled the standing order so they can take a running jump, until someone with a bit more common sense that the fool I have had the misfortune to deal with is replaced. rant over

Total Digital Solutions Limited were the subject of Administration and RSM Tenon Recovery were appointed joint Administrators on 1st August 2012. An immediate disposal of TDS was the business and assets was done by sale to Apogee Corporation Limited on the same day. TDS appear to have used Shire leasing for customer agreements. TDS core business was described as supply of latest technology,document,printy,copy,scan,and management services,and traded from premises in North West. I have been made aware that there are some business owners who are now questioning the validity of the contracts they entered into with TDS. I have seen evidence which shows that TDS mis sold an agreement,and when challenged,agreed to take over the remaining liability and continue the payments to Shire. For almost a year the business concerned made no payments and assumed that TDC as indicated in writing was paying. The dispute around the legitimacy of the agreement involved a number of things. 1.That the Customer was led to believe that the contract was only for 12 months which turned out to be 5 years. 2.That the customer was then offered a telecoms marketing package which comprised of bluetooth technology being provided outside his premises. Although a printer/copier was listed on the agreement,no printer was provided.When questioned about this the response was unacceptable. No mention of the bluetooth or associated services was made on the agreement 3.TDS applied a personal guarantee on the agreement,which the business man assures me he did not agree to or know about. The Business is now recieving telephone demands for arrears on 2 accounts from Shire. Shire have been informed of the situation,and in fact an email exists from when the arrangement was made by TDS to take over the account liability. When asked to provide these demands in writing,Shire said they had no need to do so and would be taking proceedings if he did not pay. Shire themselves are no strangers to controversy,and an internet search reveals that they were a party to previous regulatory investigations. Shire are holders of a number of Consumer Credit licences. If anyone has been affected by the TDS Administration and sale,please post details in this thread.

Hi, new here on this site. I have just found out after 5 years of ownership that my car was classed as a "total loss" Cat B back in 1997 before i owned it. For the last 5 years its been insured and MOTed and Taxed but none of the old insurance companys have said any thing. I have just HPI'd it and they say the same. Anyone know if there is anything i can do?

Hi , I am a new member and am really stressed out after a phone call from Regal Credit.. In June 2011 I joined my local Total Fitness (Wakefield) , I had been a member a few years before until I had ovarian cancer and had to have a Hysterectomy.. My son and I decided to return and rejoin and I was hastily taken to the membership suite to sign up.. The membership advisor filled out the forms and advised that it was too busy to look round and as I had been a member previously no tour would be needed.. I signed on the dotted line after being told I wouldnt have to pay a joining fee, and she would let my son train for £10 a month Looking back this was my first error.. She then said that they had no members of staff available for both of us so she would book my son in and I would be fine on my own.. Second error.. I had just had a hysterectomy and was offered no fitness test.. When we got into the gym I was horrified that the standards had gone downhill so much , It was unclean, showers were cold and dirty and the hydro pool unclean.. Equipment was not working, dirty or broken.. I went a second time to make sure that I hadnt just been on a bad day but it was the same again.. I told one of the membership staff that I wanted to cancel my membership and she said that I would have to put an official complaint into the Head office and cancel through them.. I wrote to them via email in July 2011, which I have a copy explaining that the standards were not as required in a fitness centre of that calibre and of that price and I got a standard email reply to say someone would contact me within 7-10 days. I put on the email that I wanted to be contacted via email only as I tend to work better when I can see whats in front of me and thought that if I moved house ( which I did) I could continue to get correspondence. I heard nothing from them and so cancelled my DD and thought nothing more about it.. In August 2012 I got a letter redirected to my new house from Regal Credit demanding £365 for Total Fitness membership.. I have written to Total Fitness and Regal Credit with copies of the email I sent and the standard email reply I got and I got a letter back saying people had tried to phone me from total Fitness on several occasions..I went up to see the Deputy Club manager in August and he said only one phone call had been tried from the club in 2011.. nothing after that.. even though I put no contact via phone noone had phoned me in that time and no letters had been recieved as I had stated email correspondence as I had moved house in November 2011.. I have now had another three letters from Regal credit and today I got a letter stating they would go to court to instruct bailiffs to seize my goods to the value and also a CCJ would be applied for.. They have also phoned my mobile several times bullying me to get money there and then and I have stated that I was not going to pay for an unsatisfactory service.. I would take it up with Total Fitness and they said that they will not speak to me as its Regal Credits debt now and total Fitness want to pursue it.. ? I told them I have no extra money left at the end of the month, I work very hard and am a single parent my circumstances in 2011 were a lot different to now.. I was married with double the income when I joined in 2011.. Could someone please tell me how I go about sorting this or will I have to make token payments to get them to stop hassling me? and if I do is that admitting that I owe the money even though they are clearly not providing the service that I had signed up for? This is really scaring me now as I am on my own and dont own anything.. I rent my house and my car is from the company I work for.. I had to go Bankrupt in 2009 follwing my illness and I was just getting myself back on track.. Thank you

I have just received a parking fine from TPS for parking in a tesco car park (only about 15 mins) I was incensed when I got home and read that if you do not pay £50 within 14 days you AGREE to pay a fine of £100 . I went back to the car park the next morning to check the area where I had parked and there was no ‘no parking sign’ and no markings on the road to suggest that it was a no parking area, although the area was next to a disabled bay. I was going to appeal and send the picture off as proof but having looked on line this would appear fruitless. This is stressing me out, should I pay them, just to get them off my back or stick up for my rights and not pay up, do I appeal or just ignore, any help and advice would be appreciated.

Comes as Lloyds announce they are to set aside a further £1b for PPI claims,bringing the total for them to £5b http://www.bbc.co.uk/news/business-20164521

We have had our mortgage with Halifax for 12 years and was having a look through all of our documents and the wife and i got talking. The way im looking at it is that my wife gets paid through work anyway. My wife works for the nhs and gets 6 months full pay and 6 months half pay on sickness and i am self employed. Our jobs havent changed since taking out the mortgage. The payments are made up of this: Mortgage repayment cover £50.42 Life cover £16.37 Critical Illness cover £48.15 Total Payment £ 114.94 Basically looking for advice as a bit off our monthly payment would be nice if we are paying for cover we dont need. Thanks

Thank you for all your advise and reassurance you have all given me up to now, whilst this is my first post I have been coming to you for advise for some time! I have been issued a Parking Charge Notice by Parking Total Solutions for leaving the area whilst parked in the shopping retail park. I did do this but only to get some cash prior to shopping in the retail park so was gone for a very short time. When I returned to my car after shopping I had a notice on my car. Following your advise and after watching the Watchdog clip I have ignored all previous letters, despite my husbands protests! Today I have received a letter from Roxburghe Debt Collectors, requesting £198! It states; "If we do not hear from you within 10 days, we will pass the matter to our solicitors, Graham White, who will review your case for potential legal action" and "We are fully aware of anecdotal information being presented via the internet and on various websites and you may feel this guidance is worth following. We strongly urge you to seek independent legal advise rather than rely on these opinions, and we would respectively suggest that you refer to the Civil Procedure Rules part 31*, and more specifically parts 31.16 and 31.17. *For information on how this may affect you please visit etc. I will try to look up these parts they reference, but in case it is all over my head I thought I would approach you guys! Can you reassure me? Thanks once again

can some 1 help me plzz i parked in a car park i have parked in there once befor there no tickret machines so 4hought it was ok was only gone for 10 mins got back 2 car seen there were about 10 cars with these tickets on says its PARKING CHARGE NOTICE so i ignoredit now i have aletter from then sayin i have to pay 150 pound now charge was 70 . .i bont have that kind of cash just dont know wot 2do???

I joined my local Total Fitness Health Club in May and happily attended for 2 months until one day I was denied access and told to go and see one of the membership consultants. He then informed me that I had not paid for the previous two months and asked if I could pay straight away. Mortified I asked him to check why no payments had been made and apologised profusely. then he tells me that it is because the girl who signed me up had not bothered to send my bank details to head office! Now they are telling me I have to either pay £60 straight away to cover the two months lost, or add £30 to August and Septembers payments to cover it, making that £60 for August and September. Obviously I hadn't planned for my gym membership to cost that much & paying this is going to severely affect me for the rest of the month. I called head office and spoke to some nameless employee whose lacklustre apology did nothing to curb my annoyance, and who basically told me that I do indeed have to pay for their mistake. I am so frustrated by their disappointing customer service skills, and frankly quite alarmed at what was done with my bank details if they were not sent to head office!? According to Total Fitness I have no leg to stand on in this situation and they have done nothing to help.

My car was written off in a no fault claim. My insurers have only offered a guide book value. The policy states that any claim shall be based on the market value at the time and current dealer advertisd prices are much higher than the guide book value. I am thinking off claiming for the difference between the two in the small claims court. I would be interested to hear if anyone has taken this option.

Can anyone please help, my dad parked his car as normal in the local swimming baths and there was a sign on the meter saying out of order so he did not pay and display, when he returned to his car there was a parking charge notice from total parking solutions stating that he did not pay and display and there was a £40 fine to pay, when he went back into the swimming baths they told him that if he had fully read it that it was only this one that was not working and he would have to the fine, yes he should have read the notice fully but i have read about not paying total solutions fine, i have checked with the leisure centre and they have said that it is there ground by the machine and tickets are managed by TPS and it is the local council wardens that issue the tickets, does this make a different, thanks

Hi all, short story is I parked outside of a shop in a bicycle lane which had no "no-parking" signs and did not have any double yellow lines. I was unable to find a parking space and was only running a very quick errand. i was in the shop for no longer than 3 minutes, in fact my parking ticket states I arrived at 12:28 and left at 12:25 the same day... not quite sure how I managed that without a time machine! Anywho they are now requesting £60 from me, which I believe to be ridiculous! All advice is welcome as I have zero intention of paying this company...