hi i got a parking ticket from PPS recently - i was gone for 10 minutes to come back and find it - and i haven't really done much about it as i assumed PPS (Premier parking solutions) can't really enforce anything..please could you confirm that i can ignore this request for money from the debt collection agency they passed it onto ..CCS Collect. or if not...could you suggest the best letter i could send them - thanks for any help you can offer? (click thumbnail for larger version)

HSBC is to allow customers to use the Post Office counter network for basic transactions following criticism by the government. Most UK banks, except for HSBC and Santander, allow customers to make withdrawals and deposits at post offices. A previous consumer minister last year accused the duo of "holding out" against offering the service. HSBC said that it was changing its policy owing to customer demand. A year ago it had claimed that fewer than three in 10 of its customers actually wanted such access. http://www.bbc.co.uk/news/business-19623327

Hi All I have been struggling to pay last year's tax bill like many people not much work about at the moment , I applied to have the pay 50% up front for next year taken off as I believe next year to have little or no tax to pay as may not even brake even but HMRC refused my bills about £4K I have paid all charges and interest that I owe them on this amount I have just rung them and asked if I could set up a payment agreement but they said no and will refer to a debt collection agency is this the norm ??? I don't argue that the tax is due and want to bring everything up to date but just needed some time. Thanks CB

Hi everyone, This is a great website with tons of info. Love it! This is my first time posting on here. I am trying to deal with a court summons, and could really do with some help with the N9B defence form. ************************************************************* This is the background to the case: I have had a Barclaycard since 2000. The balance at January 2010 was £8,900. Due to various financial problems, I stopped paying them. Also in January 2010, I sent them a CCA request, and they sent me a reconstituted copy of a credit card agreement. I have not paid them or contacted them since then, however now they have sent me a claim form from Northampton county court bulk centre for £9,900 (although MKDP are named as claimants). The particulars of the claim are: " the claimant claims the sum of £9,900 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Barclaycard 4929************ and assigned to the claimant on 10-10-2011, notice of which has been provided to the defendant. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974. The claimant claims the sum of £9,900 and costs. The claimant has complied, as far as is necessary, with the pre-action conduct practice direction. " ************************************************************* Can I first be clear that I am not trying to get out of this debt, but I do not have the means to pay. I do not know if MKDP collections are just trying it on at court, or whether they have something solid to back them up. So now I need help with these questions: 1. Barclaycard only sent a reconstituted agreement in response to my CCA request. Is the debt unenforceable in court because of this? 2. Barclaycard only sent a reconstituted agreement in response to my CCA request. Does this mean they don't have the original executed agreement with my signature, and because of this, is the debt unenforceable in court? - Or is this just wishful thinking on my part? 3. What are the prescribed terms and what should I be looking for in the details of the reconstituted agreement that they sent me? 4. Part of the defence form says "if you fail to deny any allegation it may be taken that you admit it". I do not want to admit to anything, in case it is used against me at a later stage. In light of that, how could I word my defence and/or what should I include or leave out? ANY help will be greatly appreciated. Thanks all.

Afternoon All. Just a quick question on PPI Claims. My friend filed a PPI Claim with [edit] and last week received a refund for over £3,500 it was with a MBNA credit card, but looking on there website they charge 25% plus VAT. He told me he filled in basic paperwork and got refund in 9 weeks, i no there is alot of people putting claims in them selves, and is it easy to do? Maybe if anyone has a basic template or something to them lines to help me file a PPI case myself rather then paying 25% the above company charge on a won case. Any information would be grateful Regards Daz