Hopefully somebody can help me too. Received letter stating that the wages total I had declared was £1600 less than it actually was. I received the letter on the 5th and my date for reply was 6th! I was so I credibly dumb to not declare my full wages. The letter says if I agree with their facts, I don't need to do anything. Is this the best course of action for now? i would rather they say pay everything back and stop any benefits they see fit to. I'll be skint but able to sleep. What happens next? Am I likley to go to court? I'm so tired and when I look at my kids I just want to cry. Any advice for my next step would be greatly appreciated.

hope some one can help me i got a parking charge notice on my car window while parking at a hospital the notice was given on the 18/09/2014 i have just got 2 letters today to at same time 27/11/14 from TPS 70 days later the first dated 22/11/14 ? on the envelope the second 20/11/14 i can not understand this as they both came in the post today , the dates on the envelopes are not the post office stamps but there own ? i have been told that under the freedoms act they must send a notice to keeper first with in 56 days or i do not need to name the keeper is this true ? also the first letter says charge notice reminder and the second final reminder also they have the wrong address not sure why or how ? i think they are trying to pull a fast one , i will not go into the reason why the car was parked there as its a long story but i feel this is wrong and i am willing to fight to the end ..... ... thanks everyone

Hello there, This is my first post on this site and I'm on the hunt for some help please I have received many letters on and off from Lowell Portfolio about a debt to Shop Direct - a company who I have never bought from before. After ringing them up when I first started getting these letters, to sending a 'prove it' letter, nothing has helped. The information they sent me back shows someone with the same name and D.O.B birth as me but it isn't me! I did find a tag from Shop Direct on my Experian credit score which shows a different address, one I have never even lived close to. Experian removed this but still the letters are coming. I have in the past had fraudulent action on my bank account but got this sorted with the bank, I believe that maybe this is how the debt was run up. Please, any help would be massively appreciated, I want the letters to stop! Thanks

Hi, I university student and I travel from slade green in kent to london and I have a 16-25 student oyster card. I used to get a zone 1-6 weekly travelcard on my oyster but started to get zone 1-2 weekly travelcard thinking i would be ok with it. Got caught today by an inspector at slade green station and was cautioned and was asked severall questions. I told them my friend said I could use a zone 1-2 travel card and said I didnt know that it was a zone 6 station. They asked for my friends name and address but i only gave his name. I know its totally my fault dont know what to do. What will happen next, would I be prosecuted? Really scared. Any advice please.

Hi, I just received a £100 charge notice (or £60 if I pay quickly) from a company called NPE for entering a small shopping centre car park through the wrong entrance (past a no entry sign). This is a shopping centre I have used for many years, but in the last couple of weeks, this company has started operating. I went back and checked the car park and can see two new No Entry signs (at lower level than they would be on a public highway), so you could argue I should have seen these. However, the sign containing details of the penalty is small text that is completely unreadable from a car. Anyone got any advice on how to handle this? Thanks, Richard [ATTACH=CONFIG]55267[/ATTACH][ATTACH=CONFIG]55268[/ATTACH][ATTACH=CONFIG]55269[/ATTACH]

Need some advice. HMRC decided we were now eligible for Working Tax Credits which is the first time since 2007. On the phone they said "are your bank details the same?" and I said yes, assuming that they were the account they use every month to pay my Child Tax Credit into. However they paid into an account that Santander closed in 2011. Anyway, HMRC sent me an award notice for the year with 3 one-off payments, on 24/25/26 November and then normal 4 weekly payments starting in December. They've sent the payments to the closed Santander account. HMRC now say that it was accepted by the BACS account, Santander say they haven't got it because it's a closed account. Any ideas how long it should take to bounce back to them and be reissued? HMRC now say that they will do a new award notice but that I should still get the payments (they total over £2000 and I really need them).

I can only tell you all about my experience with Carpetright and you can reach your own conclusions. When I moved, the carpets needed replacing so I ordered a carpet from the samples in a Carpet right store on one of their 'crazy prices' promotions. The house was empty when it was fitted. When I saw it I know that it was not the carpet that I saw in the store and went straight in to tell them. The sample was no longer available and it had been discontinued. My complaint has been going on for over a year now. I ordered a plain beige carpet and have one that is beige with lots of dark brown splodges. Dark threads are continuing to come through as it wears. It looks permanently dirty. Carpetright do not care about customer satisfaction and seem to get a buzz out of making customers upset and frustrated. They sent an 'expert' who was employed by the carpet manufacturer who decided that there was no fault with the carpet, ignoring my complaint that it was not the one I ordered. Eventually the head of complaints a Mr Renouf listened to this aspect. After some deliberation, he simply said that it was the carpet named on the invoice and showed me a photo of a 'sample board.' I did not choose from this board. More peculiarly he maintains that the colours in the carpet are due to variations in the colours of the sheep! I put it to him that is he chose a beige wool mix suit from a shop from a swatch, then returned the suit because it had dark threads randomly in the fabric, he would not be satisfied with this response! I have not received a response from him. Apparently I do not have a case because I cannot prove that this was not the carpet I chose. Of course I can't. They destroyed the evidence. On one of these forums I read a similar story of a customer going into Carpetright and the manager shouted across to him ' you DID get the carpet you ordered.' . ..before he had even raised the subject. It seems I am not alone. I tried to take the case through my credit card protection. I was told that I had no evidence so they could not progress my complaint. I have put it to them that the invoice says 'beige' not 'beige with dark brown/ black speckles.' I have not had a response. So I am just very unlucky that a few black sheep were in the flock used for my carpet!

I changed to sainsburys energy because their direct debit was cheapest. However, it later transpired that their direct debit was badly incorrect and had to be increased . However, even with increase it was same as previous supplier so i decided to stay with sainsburys. Also my annual uesage was 32% higher for gas and 25% less for electricity and my overall DDebit ended up from £90pm from previous supplier to £125 with Sainsburys I contacted Ombudsman and they say my traiff charges are correct -it was just DDebit wrongly set. He says i should accept £53 gesture from sainsburys. I should point out he is not aware of the useage anomaly as i just found it out myself and i have not contacted sainsburys about this either. Ombudsman says it it my responsibility to check tariff - but surely Sainsbury have lured me to change with incorrect low DDebit ? (surely this is headline figure that most consumers look at and not kwh/per hr) Also when my contract ended i have debit of £550 .During this time i instigated my complaint, and yet even with such a large amount and formal complaint they took the full amount.It is just fortunate that i had sufficent funds So to summarise 1 lured in with incorrect info to swap 2 Useage anomalys 3 Taking a large debit amount whilst in dispute. Is £53 sufficient for this ? I'm not demanding but trying to ascertain my situ as ombudsman wants response and wants to close file by 8th Jan

Name of the Claimant ? BMW Financial Services (GB) Ltd Date of issue – 10th December, 2014 What is the claim for – the reason they have issued the claim PARTICULARS OF CLAIM 1 This claim is a consumer credit act claim 2 The claimant is a Finance Company Terms of Agreement 3 4th February 2012, Claimant and defendant entered a finance agreement 4 The particulars required by, and set out in the order prescribed by the consumer credit claim practice direction to part 7 of the civil procedure rules 1998 in respect of the said agreement are set below. : Date is as per 3 above : Details the vehicle registration and type : Total Value £19,000: : Total paid: £8,500 : Unpaid Balance £10,800 : On 13th of October 2014, claimant served default notice : Claimants right to demand delivery of vehicle accrued on the 4th November 2014 : Amount claimed in addition to deliver of goods £10,800 BREACH Defendant failed to make payments when they became due. 13th October claimant served default notice. : Defendant failed to comply with the default notice and on the 4th November the claimant accepted the defendants repudiation and the agreement was terminated. CONTRACTUAL LOSS :As of 4th November 2014, the defendant was liable to pay arrears under the agreement totalling £1,180 : On the same day, the defendant was liable to pay the full balance £9,700 : The claimant has been entitled to delivery of the vehicle since 4th November, 2014. : On the 18th November, the claimant’s solicitors demanded in writing the defendant return the vehicle, defendant refused or failed to do so. Accordingly unless and until returned the claimant is unable to give any credit is respect of the net sale proceeds. AND THE CLAIMANT CLAIMS 1 An order for (a) damages of £10,800 comprising balance as of 4th November of £9,700 and arrears of £1,180. (b) delivery of the vehicle. 2 Costs on an indemnity basis. What is the value of the claim? £10,800 + Car? Is the claim for a current or credit/loan account or mobile phone account? PCP / Hire Purchase When did you enter into the original agreement before or after 2007? February 2012 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. By Original Creditor Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year Received a letter – Notice of sums in arrears also on the 12th December, date received court papers. Why did you cease payments? Direct Debit was continually not collected by creditor but not managed well on my part. What was the date of your last payment? 17th October 2014 (Card Payment via phone) Was there a dispute with the original creditor that remains unresolved? Yes – Not happy that they failed to collect direct debit that firmly played a part in this. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I hope the above is not information overkill, I have trimmed it where I thought I could though hoping that all the key bits are covered. Paid the PCP for 26 months with no issue, I cancelled direct debit by mistake in June and did not notice it until they wrote to me. (Start of July) Called them and asked them to set up direct debit, explained my mistake and promised to make missed payment as soon as I could. They were not happy and explained note of credit file and generated letters etc. Rang to pay end of August missed payment via card over phone. When I did they advised that I owed also July. I argued it was only one missing payment and when discussing they accepted that they had not set up direct debit properly. Agreed that Direct Debit issue would be resolved and that I would again call to make manual payment when I could as I could only make another single payment on the phone at the time. Received a default letter in October, no reminders in September and I assumed this was as the direct debit was in order leaving me with the two running missed payments to resolve. The default letter I thought was over the two missed payments but the default was now included September as the direct debit was not being taken still. I call and have a moan, they apologise and ask for 3 months payment in one go but suggest 4 as that month is due. I say I can’t pay that all in one go and offer to pay the current month and ask them to again set-up the Direct Debit again. They take one payment on the phone and promise to have someone review my complaints about direct debits not helping out and to agree some time for me to plan on how to make good on the running arrears. I then get a termination letter November. I tried to call and make another payment over the phone to be told it’s too late and now passed to their solicitor. I then did in fact receive a letter from their solicitor, at which point, I got a little overwhelmed and embarrassingly put my head in the sand and did nothing, looking back probably some time before this point I started to make my own mess of this all..... I tried to talk to their solicitor and offer to pay the arrears in one go and or the gap between the payments made to the 50% figure required for me to voluntary terminate. They advised the client would not accept this. I tried to explain they the creditor did not help with the failed direct debits to which they acknowledged but stated that I should review my account details more effectively. Absolutely no dispute in monies owed, totally frustrated at the direct debit issues ( even though at the very root of this, it was my mistake with the direct debit initially) and moreover the fact that I paid this routinely without hitch for 26 odd months. The fact that I am or was so close the amount paid that would allow me to walk away with the return of the car being around £1,500. I would like to kindly ask for any guidance possible and I suppose damage limitation at best moving forward and hopefully some guidance as to how to manage things better than I have to date and in dealing with the court papers. Thanks kindly in advance to anyone with any input and Merry Christmas!

Hi to all have received some excellent advice via these forums in the past for which I've been extremely grateful so hoping someone may be able to help with a new query: Have received a claim form relating to an old Lloyds credit card, debt dates back to at least 2006, over the years has been passed from DCA to DCA, last DCA was Lowell who have now issued the claim via Bryan Carter solicitors I intend to dispute the claim although need some time to consider this as could be on a variety of issues so intend to return the acknowledgement of service ASAP as my 'response clock' expires in a few days However ... . claim has been issued in the wrong surname (my old surname that the credit was taken in) - haven't used that name for about 4 years & changed formally via proper processes - so do I return the acknowledgement of service with this name corrected to my new one or do I deny the claim based on the fact the surname is wrong ? Am unsure whether this is grounds for defending the case without having to get into the nitty gritty of the details ? Background on the history is that I issued a CCA request in 2010, they eventually responded with something they state complies with this request however no signature just a copy of the standard T&C's with my details electronically entered at the top so unsure this is full compliance? Therefore in my view account was in dispute although am aware that CCA may not be a line of defence any more so unsure? Also unsure as to whether they have followed all the required processes - original default notice was issued to my old address, not had much since & unsure on the Notice of Assignment issue - not sure what this is, or whether I have ever had one but may not have copies of all related correspondence anymore as debt is so old Apologies if that's all ma bit waffly, but any advice on how to respond on acknowledgement of service greatly appreciated so I can gain some time to get my head round the rest of it Many thanks in advance

I was in a hurry and genuinely scratched out the wrong number on a parking voucher in error. (I work for the NHS and was ruinning late for an urgent appointment!) I scratched 13:30 instead of 13:00. The fine was issued at 13:15. It was issued in the London borough of Richmond. Any hope of winning an appeal?

Hello forum, I hope someone can help me as I'm feeling quite stressed about my situation. I am stressed at the lack of customer service I've received where people misquote prices and don't seem to care you have a timetable you need to stick to - they're quite happy to mess around with timings and not be accurate enough when they quote timings, they just don't care and they just want the sale. Quick bit of background and then will ask my questions. I ordered a Tamla lazy boy sofa 3 seater and a 1 seater (manual recliners) and was told 7-8 weeks for delivery. I was unaware at the time there was a free carpet offer on. The offer was only for 16sq m of carpet anyway on certain carpets. This is what I'm having issues with. To begin with it was never really made clear which carpet was actually included as 'free' but he seemed happy for me to think the £12.99 per sq m was included. This matter was cleared up on a later visit and I switched my attention to the carpet that was actually included in the offer. The sales rep seemed knowledgeable but when it came to sorting out the carpet, he quoted me something that would only have been confirmed by the guy who came to measure my front room. He had not been given any information about my order, just told to measure the front room and quoted me for the price of a £5.99 per sq m carpet. Anyway, I went back to the store in Dartford twice to decide on the carpet and was told that the carpet fitter was not aware that I had ordered a lazyboy sofa which is why his quote was different to what the store quoted. I'm still not sure I was actually quoted correctly at all. I had opted for the £9.99 per sq m carpet anyway which was included as the free carpet and had to paid the remaining balance. I even took a picture and confirmed it with the same rep as before that that was the carpet that would be delivered. He told me it was called pewter. I have since found out that pewter is not the colour I wanted. I generally don't do colour coordination or know the variations of colours but if I show you a picture and point to the actual sample I want then how can you tell me a colour is pewter when it isn't? The carpet fitter came on Saturday morning - called me at 8 am to say he'd be there in 20 mins - so I'm rushing around to get my boy out the house and left my partner to deal with the fitting. When I came back I saw that the carpet was not the colour I was expecting - I had confirmed it twice in the store, even took a photo and made sure it matched with that I told the same sales rep. as above, he wrote pewter. The problem is, and now my questions: I cannot find anything on the contract about what to do if SCS mess up and have the wrong colour carpet delivered, particularly if the carpet seems to be the £12.99 per sq m carpet not included in the deal. It has now been fitted and even my partner said to the fitters that it didn't look the right colour but they weren't going to not fit it or contact SCS to check for any mistakes. It was really early in the morning and my partner let them fit the carpet, he doesn't mind the different colour but I usually sort this stuff out. If I had been at home then would I have been able to say 'no' to the fitters and call SCS there and then? The fitters didn't seem to care about having the wrong carpet. So, I now have the wrong colour carpet. It's not a major problem but my new sofas will clash and I don't know how SCS could confirm one thing and still get it wrong. I just don't know my rights. I'm ok with a different colour carpet but I don't want to be charged any extra for their mistake if they have given me the £12.99 per sq m carpet. 1) Is there anything in law that covers me for the mistake made by SCS meaning I don't have to pay extra if they've delivered and fitted a more expensive carpet? As far as I can see if they have misquoted then they bear the loss because I have already paid them. To add, if it's not the more expensive carpet they've delivered then there really isn't a problem at all and I can just complain that it's the wrong colour and leave it at that and call them incompetent. There is nothing in the contract that I can see that covers this type of event, only matters arising from defects. 2) Is there anything in law that covers me for any mistakes made in their quotations for the carpet fitting, underlay and fixings? - I am wondering if I have been misquoted and paid more than I should have. The fitters were supposed to bring 2 gold bars for the 2 doors but they didn't. I also haven't received the rug doctor cleaning kit which I was promised. 2) I am now worried about my lazy boy sofas not being delivered on time. If delivery takes longer than 7-8 weeks what can I do about it? It seems futile to complain to head office but is there anything is law that covers me? I'm not sure what this would be exactly. 3) I don't know how long I have to inform them of the situation but need to know my rights first. They quote 72 hours for sofa delivery issues but say nothing about carpets. I want to call head office to find out their policy on this but after reading reviews of their customer service I'm not sure I will be given the right information. I will go to SCS today to sort out the rug doctor kit and the gold bars issues. I will tell them I have sought legal advice in case I have been misquoted prices and have been delivered the carpet not included in the deal. I will not be paying any money to them but will ask them to make sure that the tamla lazy boys are on track and again quote that I have sought legal advice in case they are not delivered on time. Until someone can advise me on my rights I will just let them know I am aware of mistakes they have made and will take the matter further if I get any hassle from them. I apologise my writing's all over the place but is anyone able to help me? thank you in advance

can anyone give advice ?? my son had never received a tax rebate in all his working life , he had been getting taxed really badly and decided to phone hmrc, he was told that the national insurance number that he had been using for the ten years he has worked was invalid !!! he has worked from leaving school apart from 5 months when he received jsa,, he is now 27 and has never been notified that the number has been wrong . seemingly he was told on the phone that this had been a temp number but he never received any other so had no idea anything was wrong . so in the ten years he has worked where has all his taxmoney gone and is it possable he can claim any back ???

Hi CAG, Wondering if I could get a little bit of advice here on what I should do and where to start. I've been claiming income related ESA since the 8th of April 2014 and on the 26th September 2014 I had my ATOS assessment. This week the DWP/ESA have decided and placed me in the Work Related Activity group (Yay - I think?). Well they have put me in the group from the 26th September 2014 and told me that I will be back paid from the 26th September not the 14th week of my ESA claim like it says on there website None of my circumstances have changed between the 8th of April and today so I see no reason why I should be penalised for the long wait time for my assessment. Thanks CAG...

Good evening all. I would greatly appreciate any guidance on this as its stressing me out beyond words. My health is not fantastic at the moment and i am having to take numerous medications. In Sept 2005 i had some windows from Crystal windows. The man who came to do the financial forms etc asked if any one was on the mortgage with me, and i told him my Mother was, he took her details and address, saying it was his companies policy to do so. I made it quite clear to him that my Mother had nothing to do with the loan. She does not live with me, but somewhere else. The loan agreement went through and the windows were done. i received letters from Black Horse and they had my Mothers name on, i contacted them to be told the loan was in my Mother's name! I asked them how that was possible when i had signed and filled in the forms. they would not have it. i took all the paperwork i had to their local office, and they said they would sort it out. They never did and the office closed down. This was 8 years ago and the problem is still going on. I have been paying the loan from my bank, since then. Even though it is in my Mother's name. Recently i was hospitalised with a suspected Brain Tumour and was off work for 6 weeks and unable to pay this loan, they have sent a letter saying they will put a default on my Mothers credit report. She is elderly and very upset by all this. I have repeatedly contacted Black Horse, and both my Mother and i have sent in copies of our signatures and my paperwork. They sent me back paperwork for the loan that is quite different from my copies. they still insist my Mother took out the loan! I contacted Crystal Windows to see if they could help. I was told that the loan did go through in my name but was refused, then put through in my Mothers name! How can they do that! My Mother did not sign anything! It would seem the man who did the papers, afraid he would lose his commission, put the papers through in my Mother's name, and changed the initial in front of my signature to match her name. We share the same surname. I asked for contact details for the man that came but was told they had none for him as it was over 6 years ago. Black Horse want me to report it to the police but i have no name or details for this man. Also it is clear this man forged the forms, as Black Horse have copies of 2 direct debit mandates, one in my name, signed and filled in by me, and another with my Mother's name and filled in by someone else, not by my Mother, with my bank details. It is quite plain to see the writing is nothing like mine. This is becoming a nightmare, as the loan is mine, with my signature, but with my mother's name and my address. Can i go to court and have this cancelled as non executable as the details are all wrong? And would i have to do it as i signed for the loan, or my Mother as her name is on it? Many thanks.

I bought a replacement fuel tank from a breakers via Parts Gateway. They clearly had the correct details of the car and supplied a tank, which I had fitted by my local garage. When we came to fuel the car up, we found the nozzle wouldn't fit in the filler neck, because it was obviously a petrol tank, which has a smaller nozzle than the diesel. Where do I stand will this? Clearly I could claim the cost of the tank back, but it's on the car and I'll be getting a bill for 3 hours labour very shortly, which will be about £120, and I'll have to pay for more labour to take it off and send it back. Can I claim the labour costs off the breakers? BTW, this has all come about because someone drilled the tank to steal the diesel, so it's not been a happy process from the outset

Hi, I wonder if someone could give me some advice please. My son received a notice of intended prosecution approx 3 months ago for speeding near the Dartford Tunnel. He made that journey a couple of times week and I sometimes drive his car on the same journey and drop him off while I go to Lakeside or Bluewater Shopping Centres. We believed that I was the driver on that day and filled the form in accordingly but, after downloading my bank statements to check when I had brought something I wanted to return, I realised that I wasn't, actually, the driver on that day. I wrote to the Police and told them that I now believed I wasnt the driver. Last week my son then received a letter saying that, after looking at the photographic evidence, it was believed that the driver he had identified was the wrong gender according to the photo. I had already written and told them that we believed we had made a mistake. Now he has received a Court Summons for 29th October 2014. I am worried that he will be in trouble for, genuinely mistakenly, naming the wrong driver? Should I write to the court and send them a copy of my bank statement showing that I had been to Lakeside the day before and it was a genuine mistake?

Hello - I recently bought a sofa for 800 pounds at the DFS store. I feel I have been taken for a ride by DFS and would appreciate any guidance. Long story short, the sofa that was delivered or the one that I paid for was NOT the same size at the one that we tried in the store. When we tried the sofa, three adults were able to sit in. We tried that with my wife, my daughter and myself sitting on it. There was still some spare space due to the child sitting on it. However the one that eventually arrived was much smaller. I raised this with the store manager who pointed out that my sales contract showed a "small size". However, I went to the same corner of the store where the sofa that we tried was placed, and it had a similar size sofa now as the one that we tried i.e. the larger sized sofa (not the small that was sold to us). I am VERY certain that DFS had placed the larger size sofa in the same corner of the store that we tried and this was not marked correctly. I would have been happy to pay more for a larger size sofa. The store manager has blatantly refused to validate the size of the sofa that we sat on. In my two visits, I met two different sets sales staff who know exactly the location of the sofa that I sat on. I am sure there are some cameras or pictures of the specific sofa that will confirm the size that we were made to believe we purchased, based on the SPECIFIC location where this piece was placed in the store. The store manager says that all complaints made to DFS will go to him in any case. The sales person that we worked with called us earlier this week but did not call back. Thanks for any guidance.

Hoping someone can advise me please, I went bankrupt back in May 2010 and all of my debts were included but somehow at the same time i also had 2 CCJ against me (those debts though were included in the bankruptcy). The one CCJ is dated though for July 2010 for the amount of £211, whilst checking noddle there is a default on my account now in June 2014 for £211, so I'm presuming it's the same debt (hoist portfolio 2 Ltd) is there anything I can do about this please as I don't want this default on my file especially as all debts were originally included in my bankruptcy also is there anything I can do to remove the CCJs as they should never be on there either if they were in my bankruptcy.

I really dont know where to start here but i will try and explain as best i can. The main reason for the post is to find out if the repossession is legal which is only the tip of the iceberg here. A financial adviser is contacted to source funding for a small residential development. The adviser contacts a company who happen to be a broker. The broker sources funding from a lender and charges £1,000 app fee. The application is made to LENDER which was successful, no issues. The name of the company at the top of the facility Letter is lets say "The Lender" There is no address or contact information of any kind within the contract other than the name of the company at the top. As the contract was to release the funding in stages, the first stage was released and work carried out to complete all underbuilding work. Not further funding was released after this due to the lenders demands outwith the contract. One thing led to another and the issue was unable to be resolved. The lender decided it was time to both serve a calling up notice and subsequently a court writ to repossess the partially developed land. This is where things start to open up and i find out who is who The issue is that the pursuer is a Limited Company, the same Limited company that the broker was a trading name of, effectively what this guy is saying is, the broker and "The Lender" were both trading names of the Limited Company- How was i to know that when the Financial Adviser requested £1,000 app fee payable to the lender and also there would be a £1,500 fee payable to the broker for sourcing the lender? Effectively it now looks like the Director of the limited company not only charged me to find the lender but HE was the Lender. Now, to make things clear. The Limited company using the two so called trading names had a Consumer Credit License (Legal Formation: Body Corporate) (Nature of Business- Mortgage Broker) (Category-Credit Brokerage) this is very clear from OFT. "The Lender" also had their own CCL as a separate entity,(Legal Formation: Partnership) (Nature of Business-Mortgages) (Category- Credit Brokerage and Consumer Credit) this is very clear from OFT. "The Lender" from the mass of information i found out about them has been a Partnership company for many years but the Limited company who is pursuing the repossession has only been set up for over a year. I am of the thinking that, as nothing mentioned in the contract about a trading name of the Limited Company (which would be a breach of the Companies Act) if it were the case. The limited company did not hold any CCL to be a lender. The Partnership was established at least 10 years prior to the Limited Company being set up, and most importantly, there will be litigation against the lender for breaching the contract it is simply a move to limit the liabilities to the Limited Company that seemingly does not much in the way of liquid funds. Another slight twist is that, the broker and lender have no association whatsoever with the Limited company now they are now trading names of two other Limited companies this guy has set up and the CCL status of all companies is that they are Mortgage Broker NO MORE BEING A LENDER! Again, just to add a little spice. the three individuals who own the Partnership/Limited companies have between them Dissolved over 40 companies within the last 8 years or so. Should it not be "The Lender" named within the contract pursuing repossession. Should i be suing a company not named on the contract and also unauthorised to lend? As i mentioned, this is the tip of the iceberg, Thanks in advance

Can anyone offer advice please. Ordered a sofa bed from an online store which only sells sofa beds on 13th September 2013. It wasn't delivered until oct/nov 2013. We removed it from its cover, checked that there was no damage, that it was the correct colour, and placed it back in its delivered plastics where it sat un-used until the start of July this year (was decorating the house). We took it out and after a couple of weeks we then found after removing the cushion, that it wasn't actually a sofa bed, and was just a normal sofa. I contacted the company, and after a few emails, they have only offered to refund the price difference of the sofa bed/none sofa bed which has caused us an issue now. We don't want/need a sofa, we really needed a sofa bed (at a cost of £650) and this sofa is useless for us. The one we have is still in brand new condition and labels attached to it. (images were sent to the company) Contacted cit advice and they've informed us to go down the formal letter route which I shall be doing, as the item delivered is not what we ordered. We either want a full refund and the sofa collected, or the item exchanged for what we actually ordered. The company is saying in their terms and conditions that we should have informed them within 28 days. I understand this, and some could argue that we should have checked that an actual sofa bed was delivered. But, if you order a sofa bed, from a sofa bed store, and one that looks exactly the same, with the same colours turns up, you would think that it was the one you actually ordered and wouldn't need to pull it completely out to open the bed part up. The invoice states the sofa bed we actually ordered and date of purchase (paid by credit card). I think I'll need to go down the small claims court route, but can anyone offer any suggestions as to where we would legally stand, and the likelyhood of winning at a small claims court? The company doesn't really want to help, and given the length of the timescale from being delivered to actually realising, I'm concerned that a SCC would end up pointless, leaving us with a sofa not fit for purpose, nor one we were meant to get. Many thanks.

I ordered a carpet around a month ago from Carpet Right. Today, the fitters turned up to lay it, only for me to realise that they had brought with them, the wrong carpet. One of the fitters then phoned Carpet Right, and he was told that the wrong carpet had been put in packaging that my carpet ought to have gone in. ie. it had been mislabelled. Now, I have been told that the correct carpet cannot be laid for another two weeks. So, I am now in the position of having a hallway, stairs, and landing just covered in underlay. This is obviously a huge inconvenience. My question is this. Am I legally entitled to some form of compensation. Does anyone know what the law says, if anything, regarding cases similar to this. Regards xxxxxxxxxxxxxxxxxx

A week ago I back-bumped into a car that was partially blocking my driveway, it's rear half blocking my path and it's front part blocking a fire-hydrant on a red-marked no parking at any time curb. I gave the car's owner my insurance info and today got a phone call from my insurance company on a claim for the accident. So, since nobody was supposed to be parked there 1) should I involve the city's parking enforcement office on this ? 2) Is this claim something that I should contest? If I do, what are my chances of winning ? Thanks for your advice.

Hi new to the forum just looking for advice Having checked my experian report i have a default from HOIST PORTFOLIO HOLDING 2 LIMITED in 2011. I have never dealt with this company. i have since settled this debt in february 2013 to a company called Buchanan clark and wells who outline in the letter they are acting on behalf of JD williams. So how did the above company manage to be the ones who defaulted me? Also the payment history has just changed to one red circle with all previous history erased. Any light on the situation would be helpful Thank you

Yesterday July the 13th parked my car in a marked space and paid my £1 for one hour. The maximum stay as stated on the sign is one hour, there is nothing saying you must leave and not return in a certain time. i put another £1 in for a extra hour, the traffic warden arrives looks at my ticket and walks on does his round of the car park and sees that someone had overstayed by 40 mins ans issues them with a ticket. The bloke who got the ticket goes mental and tells the warden that I had been more than an hour and insisted I get a ticket also. Looking on my ticket it is issued for not displaying a ticket ?? can i appeal on a technical fault here?