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About Me


  1. Closed my claim for HB, the LA have said there is an overpayment of circa £200, no real issues, but due to the attitude of the debt recovery department and the arrogance of one individual I set up a S/O for £1 a week. They're now demanding I fill in and return their I&E form, can l just confirm that l have no obligation to complete this? They're basically saying they will only accept £50 a month minimum.. I just laugh and say they'll be lucky!
  2. Hi I'm posting this on behalf of a friend who is at the end of her tether regarding the treatment she is receiving from the local Council. Long story short, she has been placed in temporary accomodation along with her 5 kids aged 2-14, having had to leave the emergency accomodation she was put in after her senile old father threw her and the kids out on the street one night. The house has the bog standard set up of front door, back door from lounge to the garden and a side door. She has only been given keys to the front door meaning she has very difficult access to the garden,
  3. A local authority own a house adjoining mine and they had to carry out major structural work to their property. I was subsequently forced to move my tenant out to temporary accommodation for 3 months. I was in the process of putting on a new roof to my property. I then had to put on a temporary roof covering because it was agreed with the authority that there was no point putting on the new roof as they had to demolish and rebuild the adjoining party wall which was above my roof. It took the local council 21 months to sort their issues out from start finish. I wish to recover
  4. I just received a Local authority PCN, which correctly lists the make of my vehicle but incorrectly lists the model of my vehicle. Is the PCN therefore invalid? Thanks
  5. Blood pressure back to normal now Live in Northern Ireland under housing authority accommodation. Just had them phone me (Customer service unit) saying that my gas and electric metre need their annual safety check. Fair enough it is a legal requirement. She then started dictating to me time and date for the engineer to visit (Contractor) Between nine and four Monday to Friday. Like most people, I have to work for a living and single. After much arguing, it was decided a Saturday afternoon and that was like pulling teeth after being threatened with disconnection etc. She t
  6. Hi, I am looking for any help in this situation my wife finds herself in please. First my wife has worked for a local authority for nearly 38yrs, part of this period she was not included in the pension fund due to her working part time therefore she does not qualify under the 85 year rule, she is 58yrs. Last year my wife fell at work breaking her femur requiring a rod implant then she fell in hospital (I know), this time she broke wrist badly requiring an op and manipulation. She has been of work for a year and as cook in a unit will not be able work there for a long time if eve
  7. I have received a PCN from a local authority. I have not opened the envelope (but its contents is obvious and I was expecting it). It was not sent by recorded mail. If I were to "return to sender" "Not at this address". Would I be committing a criminal offence? (I know this would be morally wrong given I did deserve the PCN!)
  8. The Solicitors Regulation Authority, hold themselves up to be a professional body in place to uphold the professional standards of ALL solicitors, ensuring highest stanards are adhered to at all times. Or so their literature professes. This group do not provide a service for joe public to raise issues, more, they take a complaint twist it around with lies and unfetted supposed undisclosible data and then tell you there is no case to answer, when clearly on the evidence there is. This organistion does not aid the public faith in solicitors and the like, even their own statistics pro
  9. I've had an issue with a PCN going on for a little while. Essentially I got no ticket on my vehicle and no communication from the LA, the first I heard of it was when the TEC sent the order for recovery I completed a witness statement which was accepted, then the same thing happened again. Again I completed a witness statement which was accepted, this time the LA said they wouldn't accept it and would continue to pursure for recovery under the order (which had been cancelled!) After I challenged the legality of this, they eventually issued an NTO. I raised representations which
  10. Hello guys. So, back in January I was doing some work in Swindon and needed to park my bus. After driving around for half an hour and finding no street parking within walking distance of the job and residents only parking, I decided to park in the local authority car park across the road. The bus didn't fit in one bay, which according to the board contravened the terms of the car park, but I didn't have a great deal of choice and the car park was practically empty, so I bought a ticket and would take a gamble on getting a PCN. After finishing the job and going back to the bus, I
  11. Hello. A got car insuance through a broker called Adrian Flux. They sent through details of the insurer which is Trinity Lane. They’ve sent me through the paperwork and I was looking through it and in the Trinity Lane documentation it says this. We are authorised and regulated by the Malta Financial Services Authority under the Insurance Business Act 1998 to carry on the business of general motor and accident classes of insurance. So basically I don’t know if this is OK or if I should be wary that it is not authorised and regulated by an authority here in the UK. I can stil
  12. I work in a small office. I'm the only part time employee. Due to my chronic fatigue syndrome and other illnesses I work one day a week. That was the deal with the employee before me due to her family comitments. Additionally I cover holiday and sometimes sickness. I was of the opinion that this was by mutual agreement, when it suited me and them and that I could say "no" Apparently not. A few months ago, I was ill and received a call asking me to go in, I said no as I was ill. My boss was very abrupt and I heard later that she'd been angry that I hadn't. My job was to cover sick leave.
  13. Hi forum, a quick question to start off on what has become a massive issue for me, (with Judicial Review potentially the only way out). Is the legal department of a local council duty bound to disclose evidence of clear fraud I have submitted in course of a legal dispute to the Police who were investigating their housing department at the same time, )arresting at least one member of staff for fraud). are they "public officers" in a wide sense - and therefore upholdable to a different standard were they to be a private landlord prosecuting a section.20 invoice bill).
  14. Got a PCN from Derby CC in 2013. Moved and was unaware they had not accepted my appeal nor given me any official notification that they had so bailiff left me handwritten note in June 2014 saying what was owed and his mobile number, NOT a Notice of Enforcement. According to CAB website bailiff MUST send the notice 7 days before any action can be taken. Due to my sate of mind at the time I just paid it to get the matter off my back. Was the bailiff at fault for not sending the notice? What action can I take against the council? The council nev
  15. I am waiting a response from the local authority regarding council tax which I understand they have 20 days to reply. If they fail within that time, what is the next step I should take ?
  16. Credit is given to mikeymack2002 for this find. https://tinyurl.com/z2nc5vq http://www.consumeractiongroup.co.uk/forum/showthread.php?393992-Bedroom-Tax-Sources-of-Interest-**Correct-as-at-Oct-2015**&p=4851541&viewfull=1#post4851541
  17. Debt management firms We have written to debt management firms recently. This follows an increase in customers with debt management plans being transferred between firms. In a letter to firms, we reminded them of their responsibilities when buying or selling customers' contracts or contact details. In particular, the letter emphasised the need for firms, which are considering selling on their customers, to advise the FCA of this at an early stage. A copy of the letter is available on our website.
  18. The Financial Conduct Authority has taken over from the OFT. You can find all you want to know about Debt Collection Guidance, etc HERE Also in the CAG Library HERE
  19. The CMA's so called "in depth" investigation into current bank accounts is disappointingly underwhelming Potential remedies include (and yes, they are only 'potential'): Requiring banks to prompt customers to review the service they receive from their bank Making it easier for consumers and businesses to compare bank products Requiring the creation of a new price comparison website for SME Requiring banks to help raise public awareness of switching bank accounts, Requiring better sharing of information with credit reference agencies, banks and financial advisers https://
  20. Hello All, kind of a strange question, I've just received an e-mail from my local council, Brent in London, asking that I reply to them 'urgently' to check/update my details regarding a homelessness date suitability form. Firstly, is an e-mail actually considered a formal request and thus demands a reply? Secondly I'm very wary of opening any uncalled for attachments, I'm not obliged to bear the cost of an internet connection and I doubt the Council will ever admit that their attachments have been preloaded with anything malicious to a PC. I'm t
  21. A Continuous Payment Authority (CPA) is a method of payment that is used by companies to whom you might need to make a regular payment. * Recurring payments are often used for magazine subscriptions, gym memberships or payday loans. These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes. Until 2013, it was very difficult to cancel these payments - that all changed when the regulator, the Financial Conduct Authority became involved. Information in the following posts should help
  22. A Continuous Payment Authority (CPA) is a method of payment that is used by companies to whom you might need to make a regular payment. * Recurring payments are often used for magazine subscriptions, gym memberships or payday loans. These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes. Until 2013, it was very difficult to cancel these payments - that all changed when the regulator, the Financial Conduct Authority became involved. Information in the following posts should help
  23. Hi I am new to forums so i apologise in advance if this is in the wrong forum. I had a call from a foreign gentleman called "philip" claiming to be from the complaints department of the Financial Conduct Authoruty stating that certain creditors (Santander Barclays and capital one) of mine had got together and complained to his department as I was in a debt management arrangement, gave an approximate value of debt owed and wasn't paying them enough to clear the debt quickly enough. While we do owe money to these creditors two out of the three are in my wife
  24. Last year I renewed car insurance and paid SAGA using my CC. At no time did I give them permission to automatically renew each year. I will not have any such authority on any of my cards as that can lead to issues if insufficient funds. This year we got the standard renewal letter stating that they will automatically renew using a continous auhority which I never gave them. Can they do this if you pay by card without your permission? I told them that I will pay but not by the continous method which I feel is very underhand especially when you cannot rem
  25. Hi, Sorry if I have come in to the wrong section but I have an issue with a notice to quit my garage from Eastbourne County Council. Basically, I fell into arrears with my garage rent as they didn't have the correct direct debiticon details. Anyhow I was served with a Notice to Quit letter 0n 6th August advising that I had 7 days to pay arrears or they change the locks and take possession. I paid the full arrears on the 7th day and received my receipt. However they still changed the locks as the payment wasn't allocated to my rent account. I showed them that I made the paym
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