Hi all, I am after some thought and hopefully some pointers on my late payment charges with Studio. After getting myself in a pickle I am on reduced payments for a few things and most have frozen interest and waive any fees. Due to a zero hours contract I often have to pay my priority bills first. My payment to Studio is £5 a month and no interest is being added. As of today the Debt stand at £120. However i have noted that if I am late with a payment I get charged £12 which means that the debt doesn't go down and another 2 months is added to the payment plan. Say for example over the course of a year I am late with just 3 payment that's £36 which increases the plan by 7 months which I feel is a bit harsh. More so that if it got passed over to a debt collector the amount is frozen. I have read other studio threads but not sure if it is still relevant as they are from a few years back. I am not sure how to proceed, Is it worth doing? is it similar to claiming from the banks? can anyone help with a template?

Hi all , I have received a letter form the job centre saying they have information I was working while claiming unemployment & benefits. They want me to give them wage slips pertaining to this " employment" , the only problem is I don`t have any wage slips as I was not working while claiming benefits . I was unemployed after redundancy , found a job & signed off & everything was normal but now this. I have absolutely no idea what is going on , I had a bad time with the job centre & became a pain to them when insisting on my rights regarding job search etc. etc. refusing them access & generally holding them to the letter of the law after reading advice on here, it definitely marked me out & I had some problems with the staff . I was very glad to see the back of the JC , I will be working abroad for 6 weeks very soon & would like this cleared up . The letter [ imho ] reads like I am guilty , informing me that I have 14 days to reply & a decision will be made . I have no idea what this is about but I need advice on how to reply & how to proceed . Thanks in advance Snowy

Hi, I am in receipt of Employment Support Allowance and I would like to run a small not for profit community project, which I would like to register as a Community Interest Company (CIC) and would volunteer running it part time ( a couple of hours per week). I understand if I’m in receipt of ESA I am allowed to do some ‘permitted work’, and that specifically includes volunteering for a CIC company. However, I cannot find any information whether you can or cannot register your own CIC and volunteer for your own CIC while in receipt of ESA. If anyone has any information on this, I’d be most grateful. x

I Wonder if anyone can help. I have a debt that although I still dispute was incorrect they were able to get a CCJ. The dept was for approx £2000. After a visit last year from a high court officer I set up a payment plan of £60 a month which I have been paying for the last 9 months or so. I have been paying the middle of the month as I understood the payment was due the 26th of each month. We went to visit a friend for 8 days in Barcelona got a call from the person looking after our pet that our car was clamped on the drive by a person who I assume acts from Elliot Davies the people I pay each month. I called from Spain and he said he knew I was away in Spain as he had asked the neighbours. Apparently he said the payment was due the 3rd of the month so I am in arrears the £60 for this months payment. Of course I have no issue paying the £60 as I was going to do it on Monday as I landed today but he said on the phone that there is no chance and he wants £1000 immediately and drastically increased payments to release the car. We left on Holiday the 15th he initially visited the 18th knew we were away then visited the 20th and clamped the car. The paperwork says this Debt £2338.22 (£542.10) received Interest £165 Compliance fee £90 Enforcement Stage fee £1288.72 Total £3339.95 One letter says or pay outstanding amount of £2745.95 I emailed their office from Spain to try and get none threatening clarification (as the bailiff was very sure of himself...) but I only found out late friday so their office was shut. I need to call tomorrow, is there any advice of my rights or what I need to do

Hi there, Fantastic Forum. Keep up the good work. A while ago my friend has been accused of benefit fraud. She has sent in an appeal at the moment, and she is waiting for them to get back to her. I have helped her by reading posts on the forum, and following some of the advice being given on here. But now I am stuck and don’t know what to do now. Like I said she is waiting for her appeal, but now the housing association are getting tough on her. They are demanding the rent that has gathered up due to her housing benefit being stopped months ago. She has been paying her water rates because her income support has not been stopped as of yet. But she can't afford to pay the full rent. She is due to appear in county court on a civil case in a couple of weeks time. She is a single mother with two children. She doesn’t speak much English. She is really stressed and doesn’t know what to do. Please, please help.

Hi, I've read most of the threads here on this topic, but I have a few questions still. My story: I became a non UK resident, outside the EU, in May 2015. In July 2016, I became aware that a professional services fee I had ran up had a balance owing still, 4800 GBP or so, out of an original 23 000, and that a judgement in default had been issued against my last UK address in June 2016. I dispute that all of this money is owed, but a slightly different story. I have no UK assets. I have evidence (e-mail) confirming they knew my residential address and residence status, but yet they issued against my last UK address anyway. Rather than leave this to chance that it will go away, I have engaged a law firm in the UK to deal with this matter for me. This is where my questions come and solicitors never seem to give definitive answers. From what I understand from reading here, the other party have knowingly abused to court process in the UK and that they should not have issued against an address they knew me not to be resident at. Many others seem to say it is then a simple matter of getting it set aside, but there are some stories on this forum stating it is not that simple. It seems once it is issued, rightly or wrongly, it isn't easy to get rid of it and when people start the process, it seems people pull out of the proceedings early, so it leaves me not knowing what the actual legal precedence is. What is the actual reality? No UK assets, proof the other party knew of my correct residential status, automatically, after some hoops, removed? Or is it a case that it is up to the discretion of the judge?

I was finally getting my head above water and was paying off my final payday loan which had been on installments, with payment details agreed with 247moneybox that I pay them each month interest free. This had been broken down into a regular payment each month. I received a letter from them on the 9th of February saying if I did not pay the full outstanding amount by the 1st of March, they would place a default on my credit files. As they are extremely slow at answering emails, I rang them up and said I'm on a monthly payment plan, which I have not defaulted. Guy who answered said "oh sorry, that's just a computer generated letter and you wont be defaulted if you stick to your repayment plan". I insisted he put this in an email to me while I was on the phone to him, which he did. I paid my 2nd last installment end of March and my final installment end of April. Last night I discovered according to checkmyfile that they had placed a default on my account on the 2nd of April 2016 with Callcredit and Equifax for the full amount of the original loan. This still shows as owing them the final payment which I had paid at the end of April. I've just rang them now, but customer services can't help me, and said they've put a request through for a manager to phone me back. Absolutely fuming. I'm giving them 24 hours to ring me back, then I will be putting in a formal complaint with them. My understanding, please correct if wrong: I can complain to ICO for incorrect data handling? I know I can complain to FOS if they don't want to remove my default. Luckily I've kept all the emails.

Please, could any one kindly advice me. I used to be an employee of the Bucks hospitals (NHS) Trust working at the Wycombe hospital. I have now retired but they retained me as a bank staff helping them out when they are really short of staff. I occasionally work there at weekends and nights when parking is not a problem. Now UKPC which recently took over the parking management are giving me these parking charges which I feel are rather unreasonable. They recently gave me a parking charge while I was parked and inside the laboratory working. I just find it ridiculous because here I am providing a very important service in the hospital for the benefit of patient care and then these people keep worrying me with these parking charges. My question is, shall I just ignore them and wait till they take me to court? Is my contract with the hospital to provide laboratory testing not superior to any perceived contract that UKPC might think I have with them? After all to provide my service I necessarily have to park on the site. Moreover it is never during hours when parking is limited. By the way, when the hospital originally introduced parking control it was meant to be operative only during working hours. (9am -5pm, Monday to Friday). However, UKPC has now extended it to 24 hours a day, 7 days a week. I think because of the financial incentive they prefer it this way. I am prepared to fight it all the way but I just wanted to know what my chances are. I also question this idea of the hospital grounds being private land. is that really the case? is an NHS hospital car park regarded as private land? It is our hospital, we the tax payers, right? please give me all the advice available. Oh, I have not bothered to apply for a parking permit because I don't need it except the odd weekend day or night. Applying for a permit would only deny another member of staff who would really need it since there are only a limited number of permits available due to the limited number of spaces. Thanks to every one in advance.

Evening all, I was in a bad motorcycle acccident in April 2015, this kept my off my work, an oil Rig Worker offshore in Scotland/Aberdeen, due to mulitple broken bones etc. Come July my GP suggested i could return to work on an ammended duties note, basically so i could work in my employers yard doing 'light duties' untill i was fit to return offshore. My healing didnt go to plan, and after many visits to hospital and x-rays, the consultant doctor opted i would need more surgery. This lead to me being sign off unfit to work again in September. I had surgery in November, and remained absent from work until March 2016. During this time, in January 2016, my employer decided to start redundancies, paying off 30 guys. I was put at risk, even though i was still signed off, the process went into full swing, but near end of the period, i was informed un-offically that i was exempt to the redundancies process due to my ill health. Near the end of Febuary, literaly a few days after finding out my job was safe on the 26th of Feb, I was visiting my GP to get a new sick note. Once again my GP suggests returning to work on the 'ammended duties' Fit note starting March the 1st 2016! I agreed to this, as i would have lots of computer based competancy and safety courses that would of expired. Then as i am preparing for my return to work, spoke to my line manager and informed i would return Monday 29th Feb, my employer announces more redundancies. So once again i get the at risk letter. 43 people in total to go, 5 from my department of 38 people. So i am at work for the few weeks into March, on this 'ammended duties' Fit note from my GP, and i am informed that i am one of the 5 to be made redundant. The selection criteria my employer used is based partly on skills and reporting, also compliance to there safety and competancy computer based training certificates. The periods they looked at these is the whole of 2015 and Jan, Feb of 2016. So they cant possibly score me fairly on this selection criteria as i have not perfomed my usual job for a year due to ill health. I have not yet seen how they scored me, but my manager told me that they have tryed to score me fairly based on some averages. No idea yet what averages, but to me it seems like they have just fabricated a score for myself. Bearing in mind i am still not fit to return to my usualy job, i have follow up appointments in April to see my health, but i am in high spirits this would be a good visit. So am i being treated unfairly? Is my employer allowed to use this skills/reporting/compentancy matrix to get rid of me? Also not once during my return in July 2015, or March 2016 on the ammended duties note, did my employer send me to any occupational health assements, or review my working enviroment to make sure it was suitible. What would you do in my situation? What do i do about this? Any help, advice or similar stories would be greatly appriecated. Thanks Bob

Is it possible to apply for ESA while contracted to do a small number of hours work per week, with a view to doing this as supported permitted work? If so, how would I go about this? I am off sick at the moment. Would I need to remain not at work until...when? After ESA application is submitted? Until a decision is made? Thanks.

I wanted to know what the new rules are with regards to withdrawing consent for the WP to share your info/contact people on your behalf/claim their fat payment for my hard work when I get a job .. as I am sure I read it had changed since last year, also coincidentally each time I attend a review meeting I get loads of spammy job/credit emails in the weeks after which seems a little timely!! Am getting increasingly fed up with the WP provider, by and large I have had a year of having to attend weekly job clubs with slow computers and the like but since I hit the year mark it seems to have ramped up big time, I have a good work history with good companies and a degree and the minute my latest advisor saw it his eyes lit up and I have been pestered left right and centre. I was upped to two job clubs a week and also appointments/training sessions/interview techniques etc on one or more additional days a week and it was getting silly and made me ill so I had two weeks off with stress symptoms. I then had more blinking appointments and changes to my job clubs and was told a few weeks back at 1pm on a Monday that I was to stay after job club that day for extra sessions looking into agencies and applying for more jobs for 2 hours each day that week (mysteriously my letter had 'got lost in the post' telling me this), I kicked up a bit of a stink as I am a single parent and said I had to pick my son up from school at 3 so those times were unsuitable, so with a bit of looking at bus timetables he relented to sessions from 1-2.30 each afternoon that week which was still pushing it as am reliant on public transport which is never the best, I attended the first and then had enough, got upset (I am on antidepressants and suffering severe anxiety at the moment relating to a thyroid condition I have just been diagnosed with) and I decided to get another doctors note for 2 weeks. During this two weeks I had a letter from them saying I had to come in during that time and I politely told him NO, the day my sick period ended there arrived a letter saying I had to attend a review appointment in 2 days time and I just knew he was going to mess me about, sure enough on the Friday afternoon at the appt he says I need to up my attendance to daily sessions of 4 hours, which means dropping my son at school, a 45 min bus journey there, then getting back in just enough time to pick him up, I protested that I had a PC at home and why did I need to do all this on their premises and he said I might 'get distracted' at home (as opposed to their noisy office of course!!), that I had appts to arrange and so on which were being neglected due to them calling me in all the time willy nilly saying they are mandatory and have to attend, and he said as I was a jobseeker I should jobseek during those hours, I have no prob doing this, my JSA agreement says 5 jobs a week and they say 10 which I do easily and have never not done, he is also pressurising me to do full time work/get a better off calculation for FT work, which my JSA flexibilities say I don't have to pursue due to being a lone parent, there is no mention of any beneficial training, and any suggestions for that or clothing for interviews have been shot down in flames, its just flaming jobsearching in their offices every day, presumably so I can't attend any interviews without them knowing and that I get fed up with the arrangement. Its not as if I am not trying to get a job, I have had about 6 interviews in the last few months but none successful, am really fed up with the situation with the WP and its making me feel worse, we are reviewing the situation tomorrow after my session and I know he is prob going to suggest the same again next week when I have 2 inset days at my sons school, I really just resent the fact that they think they can pressure me like this and assume I have no plans for the week or anything else to do, and then get a nice big payment for MY efforts at the end of it all so want to know what my rights are, unfortunately at the beginning I signed all their docs as I was being too blinking nice!! PS. Sorry this is a bit of a rant having looked at it, but felt good to vent!!

Hi all, I went to a client today who has received a PCN from ANPR PC while they were on holiday for 6 weeks. The particulars are as follows: Parking 'controversy' occurred on 05/12/2015, in Wickes car park, the vehicle broke down and wouldn't start. NTK sent 18/12/2015 asking for driver details and £100 charge to be paid (my client had already left to go on a 6 week holiday by then), if she was the driver of the vehicle. Final notice was also sent and received by my client who was still on holiday when this was delivered (No date on this, only original details of parking charge, and date of original NTK) She yesterday received a letter from DRP (Debt Recovery Plus Ltd) dated 02/02/2015 demanding £149. Any help as to where she can go from here is greatly appreciated, I understand that if the NTK is received after so many days asking for information, under POFA, this doesn't have to be given, but I may be wrong. Cheers all, Bloke199

Afternoon all. I am writing on behalf of my mother who received a windscreen ticket from TPS on 01/10/14 for the above in a B & Q car park. She did not actually leave the site and spent money in said premises. A charge notice was not sent to her from TPS but their agents, Premier Solicitors (PS) sent a threatogram on 26/01/15. This was ignored. Almost a whole year later PS have followed this up with another threatogram citing Beavis and anything else they want demanding payment of £110 by 2nd February. As the above happened so long ago she cannot prove she spent money in B & Q or go to POPLA etc. Any thoughts on this and how to proceed? Cheers

Can a DCA purchase a debt and then place a default on your credit file, when the original creditor had already placed a default marker prior to selling the debt on?? Can you default twice or more on the same debt but the default recorded by different DCA Agencies? Can account opened in 2002 that defaulted in 2006 be sold to a DCA end of 2014 and in 2015 a new default appears on your credit file with the same account info from 2002 for the 13yr old debt?? This old debt was removed ftom my account 2016 6 yrs after originally defaulted??

So I would like some info if possible; Puchased a right to acquire, council valued property at 107,000 2 bed back in 2007. received 9,000 discount so purchase price 98,000. took mortgage for 101,650 fixed rate 5 years. I had a bit of a financial clitch after 2 yrs and had some arrear, i had suspended poss order. i paid them due to a claim i received but what i was told would clear them wasnt correct and i quickly ran in to trouble agsin. i had a fixed rate mortgage so i presume the monthly amount should remain the same for 5yrs, but it never and they annually increased the amount due. They applied for repossesion again. I was shocked to see a statement from them with various failed direct debit amount never agreed so looked as though I constsntly broke payment agreements with them. they charged arrears fees and court costs etc to the account and included them when they calculated interest. They told me it wasnt in their interest to allow any concessions to help me get back on track. At the final hearing the figure although by now i had paid nearly four years on the fixed rate mortgage the balance was more than started with, i never fully knew how many payments they claimed i missed as they just gave an amount. The DJ was rude to me and never allowed me to reply; Between the DJ and their solcitor it was agreed; I was unable to afford the property, (although by now I was in employment). They decided property had neg-equity. (no valuation reports or breakdown of this reasoning was produced to back this conclusion). The figure stated to the DJ as owing by this stage included the 5,000 fixed rate fee, this figure actually reduced and it had 5-6 months of its term left so the amount was considerably less. As the DJ wasnt interested I could not speak up (basically bullied me into crying and i ended up pleading with him, all he said was no use in crying) and say they had in fact grossly overstated the balance along with the added incorrect rate increases.(altering mortgage terms). They had began charging me for insurance that they added to the balance plus this contributed to the overall balance owing when calculating annual interest (would have ended up paying interest on top of interest each year for the mortgage term, as I refused to pay the insurance) (i had my own insurance which was for the required insurance indemnity amount as stated in contract 100,000, their insurance cover was for far less than stated as allowed 75,000). (this was of no significance to them and they continued to add the insurance fee). Reposession granted, 3 children 2 weeks to leave. I gave up and moved out. As I could not move some itemd struggled as nowhere to store them i had requested if possible to return the week following eviction to collect rest and informed them of items. Upon my arranged return nothing was there all have gone no explanations. The property sold for 75,000 as i found out, even with the improvements I had part completed, loft room with window and full staircase access, driveway; new bathroom with power shower. fitted full length mirrored wardrobes. Then came their bill, payable by return, "rofl" mortgage shortfall removal costs ??? specialist paint removal ??? agency fees?? securing property (i had already surrended keys to bailiffs day before) fee for 5 yrs fixed rate clause, however had been reduced to the term remaining so considerably less than quoted in court. (can they even charge this as they took to mortgage away i never switched to another provider etc) (contract must be void once repossessed surely). all in all excess of 40,000 shortfall due They never pre-agreed or gave notice of the extra costs although their paperwork did state all additional fees would be agreed prior. I never got to know why it sold so low, but believe it was valued far less than the council had said it was worth when purchased, can not have depreciated in value by roughly 30,000 plus in 4 yrs could it..?? I wrote to them asking for explanations, costs,paperwork etc. They never replied but then I received a solicitor letter with same demand for payment. So i wrote to them and referred the solicitor to the letter I was waiting a reply on. Nevet got a further reply from either. Nearly 3 yrs after repossession i received a letter informing me i had been incorrectly charged arrears and default fees over the term of mortgage and they totalled with interest 1500.00 but they were placing this against the shortfall balance. This was something i had already brought up but they chose to dismiss it and ignore me. In turn the incorrect fees with interest applied yearly had given a misleading figure owing for the account, and false information was supplied and in turn relied on in court. This no doubt would have contributed to the decision in granting repossession. The letter says the refund should put me back in a position before they where raised. Clearly not, im still minus my home. I have not heard from the mortgage provider since December 2014 as this was when they issued the letter with the details relating to the refund of charges etc. Upon checking my credit report recently the mortgage states closed with a balance 0. No change from when they sold the property as my credit file stated this info straight after Surely the shortfall should be on the balance? No other defaults etc for this account either. Can anyone advise me if they have acted inappropriately in any with their actions? Could the property have been grossly over valued with intent originally by the council appointed valuer, so the priced fectched on sale could be a realistic figure? If so is there anything that can be done to expose this? Can a fixed rate mortgage payment increase during the fixed term? Can a fixed rate fee be claimed still upon mortgage surrender that has been initiated by the provider and not the mortgagee (Me).? Why would my credit file show balance nil?? Should I have any defaults on my credit file for the mortgage? Can the nil balance be altered? Can a shortfall amount be claimed when there is no record of bslance on my credit file?? Any advice or answers appreciated

Hello and Happy new year everyone! After struggling financially with my benefits over the christmas period was saying how great it would be to have some money saved up from over the year to buy a few gifts and extra's at christmas. At the moment I have one account and no credit cards. Looking at my bank I might be able to open an online savings account where I could put £10 here and there away for christmas and emergencies. I am worried about applying for one though in case it triggers anything in regards to my benefits as I am currently on ESA in the support group. Can anyone advise me in this matter?

Just a quick question here. My office closed on XMas eve, and we go back on the 4th like most people. However, due to the work I do, and a very demanding client, I am having to cancel plans and work from home in order to work on a system. I am alone in doing this, while the rest of the office enjoys a nice break. Am I entitled to these days back since I am working them? Or am I just being picky? Thanks

Hi, I have been suspended from work after I made a complaint about my manager, basically I had to be investigated for being late to work, on the day in question I was very unwell and couldn't get the bus due to having no money, I walked to work and was a little late. My manager sent an email to the person doing the investigation stating that I am a confrontational person and the person doing the investigation should have a witness present for their own protection. This email was shown to me and I naturally complained as it is a slanderous email and it suggests I would get violent towards a colleague. I complained to the senior manager regarding this email. The senior manager visited me and suspended me on the grounds of a complaint that came in from a member of public about a month ago. There has been no investigation into the complaint and I haven't been suspended awaiting disciplinary action. In my job I have had lots of complaints from members of the public, being a civil enforcement officer it is a common occurrence, but as complaints are usually just from disgruntled people and never anything serious, which is the case this time, I have never been suspended before. These complaints are always investigated first. I believe I am going to be sacked of spurious grounds to avoid the issue of my manager and the slanderous comments made about me. Do I walk? Do I allow the sacking and appeal? Should I escalate this with HR before it reaches any of these stages? I am unsure what to do here. Employment tribunal? Thanks for any advice you can give Tony

I suffer badly during the winter months due to rheumatoid arthritis, bad back and wonky right knee. At present I get the DLA middle care and higher mobility rate. My wife gets carer's allowance for me plus she gets the lower care element of PIP. We both get State Pension however I also get a Pension credit element. We are considering that maybe we would be better off living in a warmer climate like Spain however we cannot do this if we lose all our benefits. Can any one advise whether we would lose all benefits if moving to Spain? The other option is to go for 6 months and then return for the summer months in the UK. Thanks. PS We came across this web site https://www.gov.uk/claim-benefits-abroad/illness-injury-and-disability-benefits

Presumably, as at our local hospital - the bays are marked private so even if the Directors aren't on the premises, they cannot be used by anyone else ! http://www.mirror.co.uk/news/uk-news/nhs-bigwigs-free-parking-nurses-6875844

hi all, I recently have had my income cut from £1700pcm to only £430 pcm for personal reasons which are not really relevant.. I have debts I was paying but am unable to continue to pay them. Currently my outgoings monthly are more than what I earn and I need to cut down my monthly spendings... As you can imagine you cant afford much with £430! I have done an online questionnaire with Step Change who based on my answers have recommended bankruptcy... I don't really know the implications and people are putting all sorts of scary things in my head! If you go bankrupt does that mean you can no longer have a bank account? I will still be working so will need to be paid my wages! Can you not have direct debits to pay for things anymore? So car insurance etc you would have to pay in full? Also will anyone be able to take my car? Its only an old 1989 Golf and I use it to get to work. Wouldn't of thought it was worth a lot! How long does it affect you being able to pay monthly for things? Does it affect anyone else living in the house? I mean it wont negatively affect their credit will it? Also if I have things bought on credit such as a sofa and dishwasher will they come and take them back? Thanks for any help

Hello everybody I recently got into debt bother with EON . I spoke to them about my options with regards to my debt (installments, pre-payment etc). I indicated that I would prefer prepayment to manage my debts but then took my time getting back to them . Next I received a letter telling me that they were applying to the courts and had added £60.00. The court date was supposed to be 12th of November and I awaited this date so I could contest the fee (I had already told them that I wanted prepayment), they wrote to me shortly before telling me that the court hearing had been cancelled and they would write to me at a later date. Yesterday (12th) I got home to find some documents and a electricity key INSIDE MY HOUSE !!. The accompanying paperwork said that they had acted on a warrant (no issue date, number etc) and had changed my electricity meter. In my actual mail on that day I got a letter from them telling me that they had reapplied for a court date - which was supposed to be the 16th November !!!. So clearly they illegally entered my house without a warrant and changed the meter. Luckily, nothing valuable was stolen from me by these rapscallions . I have not yet contacted them, instead I would prefer the advice of somebody who has experience in these matters to see exactly where I stand before I act. What are my options, so to speak ?

Hi, I've only just discovered this forum and wish I knew about it before! If anyone could help me in my situation I'd be really grateful. We have been renting a flat with an allocated numbered parking space. My partner parked the car, went in the house without realising the permit had fallen off. He said it was on the seat and still visible. CPM issued a parking charge notice. The pictures show the parking terms which are in the car park about the charge, permit must be displayed in the windscreen etc. In the pictures you can also see the permit holder on the dashboard, having come unstuck. The car's in my name so I wrote back as asked in the notice to appeal. I included a copy of the permit (also numbered), our tenancy agreement showing we have use of the space, explaining that it had fallen but also stating that my partner was in at the time and the bell for our flat is about 10 feet from the space, if they'd rung the bell he would have come down and reattached the permit. Didn't really think much of it, kind of assumed it would be fine. We're now moving out and I just received a letter saying they've rejected the appeal because the permit wasnt displayed, and that it's our responsibility to ensure its on. It also gave a POPLA number and web address to appeal to them. Maybe stupidly, I phoned both popla and cpm. I was a bit emotional but didn't really expect anything to come of it. POPLA told me i should have been sent a paper form, but i wasnt. I can try to do it online but only have my phone and 4g at the moment, it took me 10 tries just to register for this forum :/ Is it worth appealing to POPLA as well? We're not living at the old address and I didn't particularly want to give them the new one, especially if they'll just turn around and reject again. Thank you for any insight! Please let me know if I need to provide more info.

This looks horrendous. http://www.croydonadvertiser.co.uk/Bailiff-inadvertantly-recorded-attacking-woman/story-26657418-detail/story.html

I put some £200 Alesis speakers into cash converters in Beeston Leeds last month. The speakers were obviously working perfectly when I put them in, as they get tested every time. When I got home with them I noticed that the volume was half way up, which was far far too high, I didn't think much of it, I turned the speaker down before plugging them in and playing something through them, at which point I noticed the left passive speaker was completely gone. I took the speakers straight back down there expecting the worst and they said they will test them, at this point it was said that they have some guy who comes around to fix things. The next week I get a phone call saying that the speakers have been tested and that they have been blown and because it is not physical damage that they can take no responsibility for the breakage, which I really don't understand. I spoke today to the customer service and on a side note he said they were independently tested, which I'm not sure is the case since they seem to have some guy who working with them all the time. Basically I can get these speakers fixed for £60-£80, but they will not even offer to pay half of that bill. There is actually CCTV off the where items are kept in the back, how could I get access to these recordings edit: I am requesting the CCTV as this is something that you can do, although it is chargeable