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  1. Hi Wondered - I recieved a parking ticket on 16th July and challenged it the same day. I had heard nothing from local authority so emailed them to check they had received it. I received a response 3 days later saying they had a backlog and challenge will nont be addressed for another 2/3 weeks. Is there a time limit for them to respond to a PCN challenge?
  2. Hi All, Looking for a some advice regarding the following situation, i've bullet pointed to make it easier to read: I recieved a claim form from County Court Business Centre, Northampton with an issue date 6th April 2018 and claimant was Shoosmiths LLP, amount being £657.02 Claims form stated day of service is taken as 5 days after issue date which would be 11th April and giving 14 days from then to respond (25th April). I agreed to debt and completed form N9A (admission form) and returned to Shoosmiths (as the County Court Form advised) with my offer of payment. I sent t
  3. I have received a NIP for for going 39 in a 30 zone, but im 99% sure i was only going around 34 or 35... Is it possible to challenge the Camera? IE. Its not functioning properly?
  4. The property has always been let to tenants using a letting agent. Local authority are always informed of tenants who rent the property. The tenants are always instructed to register for council tax and household utilities. Between 2015 – 2016, the property was let to a tenant who was in receipt of both housing benefit and council benefit. I’ve since found out that the local authority have managed to obtain liability orders and a charging order for non-payment of council tax for the same period, between 2015 - 2016. If the outstanding £1,600 council tax arrears are not pa
  5. When we have a question about something that comes into our minds, we can often find the answers just by searching using Google etc. Lets see what answers we can get without an internet search. First question. Why on the same stretch of coastline, can you find one beach that is mostly sandy and within a few miles find one that is mostly pebbles ? E.g parts of Cornwall, Dorset. I don't know the answer, but my guess is that it is to do with underwater geology and general terrain. E.g if you have lots of rocks under the water near a beach, then it will be mostly sand that i
  6. Hi folks, long time no posts. Been very ill with long term major depressive disorder amongst other things. The story. Was long term sick from civil service, put onto half pay which was paid by SSP from November 2015 to may 2016. During same period was 'single' as ex wife upped and left because of my sickness in 2015 (nice of her to support me) Applied for single person CT relief and was granted, although there was part of a joint bill still outstanding that i owed. Nobody to advise whether i could claim full relief/benefit due to being on SSP for that 6 month period.
  7. A group of disabled people have lost a court challenge to cuts in social housing benefit for residents with spare bedrooms in England, Wales and Scotland. The High Court said the policy, dubbed a "bedroom tax" by critics, was not unlawfully discriminatory. But it criticised the government for failing to follow a 2012 ruling that said housing benefit should not be cut where disabled children were involved. The group said they would appeal. Since April, people deemed to have one spare bedroom have had their housing benefit reduced by 14% while those with two or more spare bedrooms have seen
  8. The appointment of a receiver(s) can be effectively challenged by scrutinising the terms and conditions of the mortgage and the contents and form of letter or deed of appointment. The appointment document must be executed in accordance with the relevant statutory provisions, which may include any or all of the following: The Law of Property Act 1925 s109(1) – Must be under ‘his’ hand The Companies Act 2006 s44 – Execution of documents - Hilmi & Associates Ltd v 20 Pembridge Villas Freehold Ltd [2010] EWCA Civ 31 The Law of Property Miscellaneous Provisions Act 1989 s
  9. Hi I am sure plenty of members are aware of Labours National Executive Committees (NEC)decision to bar all members who joined in the last 6 months (100,000 people approximately) from voting in the new leadership race? That is unless you pay a £25.00 membership fee within the next two days? The questions I would like to pose are, a)Is it illegal to, retrospectively, change the constitution/rules to deny the’ new’ labour party members a chance to vote? b) How much would it cost to mount a legal challenge against their decision? c) Would the new Labour
  10. Foxtons is facing an £80m “class action” lawsuit that if successful could force the giant estate agency to pay back hundreds of pounds in fees and charges to every tenant who has rented a property from them. Michael Green, whose law firm CaseHub is behind the group action, has obtained legal opinions from senior barristers that Foxtons’ fees – such as a £420 adminstration charge, £300 for name changes and £165 for checking out a property – could be illegal under the Unfair Terms in Consumer Contracts Regulations 1999, and its successor the 2015 Consumer Rights Act. Green est
  11. Need guidance: Purchased the following three days ago, from a store: http://www.pcworld.co.uk/gbuk/phones-broadband-and-sat-nav/broadband/mobile-broadband/ee-osprey-2-mini-pay-monthly-mobile-wifi-10132535-pdt.html Personal Hotspot Device - £9.99 + 30 day (rolling) data contract (I choose the 32gb tarrif - £28pm). At purchase - I had to put my debit card in the pay machine to pay twice - 1st - £9.99 for the device, 2nd - for the 30 day rolling data contract validation (£5). I've been using both for the last three days (The device box & the separate
  12. I have a historic debt with Welcome Finance which, after a prolonged period of time, has gotten back in touch with me. Having read a few posts on this site, I think there may be a few options I can look into with regard to possibly reducing the balance on this debt. There is quite a long story here, so let me explain as best I can.... 18 Aug 2001: Purchased 2nd hand car from Direct Car Finance. Finance provided by Welcome Finance. No PPI. Shortfall Insurance also taken out for full loan term. Breakdown and recovery insurances also taken out, not
  13. Hello, First post so here goes. I am about to challenge the validity of a default notice issued to me by OUSBA dated 4 Jul 2014 (which was a Friday). The date for remedy on the DN was the 18th July 2014. Assuming they used first class post then this does not give me the clear 14 days as required. The correct date should have been the 22 July. Am I correct? I have also received a letter stating on the 25th July 2014, that the agreement was terminated in accordance with CCA. So, my challenge is, is the DN valid? Equifax are also displaying incorrect info. They have the date of
  14. I have been trying without success to challenge a Lloyd's bank default from 2010. After 2 years of letters Lloyds have finally replied and told me they didn't actually send me a default notice but its all ok as they sent a solicitors letter instead . This seems off to me and i smell a large rat They also sent me a cheque for £50 as a gesture of goodwill !! Any advice on the next steps ? The debt is fully repaid and just trying to clear my CRA file thanks
  15. Hi I have payday loans with the above dating back to 2012 and despite Being in a IVA at the time I was accepted for the loans which were rolled over numerous times. I hold my hand up and should never have taken these out but I feel they did not carry out correct checks which would have shown I am in a IVA. They were not willing to accept payment plans which then resulted in the debts growing. I have managed to get 3 other pay day loans written off. QQ is highest at £1,900 from a loan of £400. Does anyone know if I can get these written Off? QQ confirmed my account is not one of the recent 4
  16. Hi Just after some good advice if anyone can help. I received a PCN about 2 weeks ago for parking in a street with temporary restrictions. The town is Tenby in SW Wales and an Ironman event was going on. I challenged the PCN on the basis that to me, there appeared to be no restrictions in place where I parked. There were no yellow lines anywhere near my vehicle and although there were temporary yellow signs strapped to lampposts, the nearest one was around 50 yards from my car and I was not between any of them. I took photos and supplied them with my challenge. The challenge has
  17. "A daughter whose late mother left her whole estate to animal charities has won a six-figure payout in a decision legal experts have said could make wills more open to challenge. Heather Ilott has been awarded £164,000 by the Court of Appeal following a lengthy legal battle after she was initially left nothing by her mother M elita Jackson, who died in July 2004 at 70. Mrs Jackson wished her net estate of around £486,000 to be split between The Blue Cross, the Royal Society for the Protection of Birds and the Royal Society for the Prevention of Cruelty to Animals, with no provision f
  18. Hi, In 2014, I filed tax returns for 2008/09, 2009/10, 2010/11, 2011/12 and 2012/13.... Yep, I know I was stupid but at least I'm clearing my conscience and paying them every last penny (last £30k to pay in a few days time through family loans and selling a property). On a self declared basis, I owed them £38,000, now £48,000 with charges for late filing. Until I filed, they had no idea how much I might owe them, they never sent any estimates etc, just letters saying I needed to file. They seem happy that the amount I've filed for (done by an accountant on my behalf). I was told tha
  19. Hi, I was pressured into accepting two CCJ's as appearing in court would have been devastating, if it got that far. Is it possible to mount a new challenge against the debt as I am sure that there is no enforceable agreement? One was a Debenhams store card and the other was a Debenhams loan. Both were taken over by CL Finance. They are a millstone around my neck, in more than one manner. Thanks,
  20. I was taken to a room for questioning, upon leaving a departmental store, for allegations of shoplifting. I had picked up several cosmetic tester samples from the stands, as often (for products apart from foundations), the staff do not give you free samples and it is difficult to get an accuracy of colour matching in lighting outside the store. I wish to emphasise that these were all tester products - they had been used already/ were not brand new. Some were also smaller than the standard product size. So it wouldn't be fair to equate them to the price of a brand new, full-size pro
  21. Hi, Has anyone had any luck challenging a default on their credit file? I read somewhere that if the creditor (in my case Santandar bank) doesn't inform you that your account is going into default, that it can be challenged. I didn't get any written communications regarding this before it happened. I have a loan (£25K) which I paid for 2 years but then couldn't keep up payments. Would be grateful for any help and advice. Krem
  22. The Department for Communities & Local Government today issued a Consultation Paper giving the public and businesses the opportunity to challenge yellow lines and unfair parking charges. The full details and the Consultation Paper are below: https://www.gov.uk/government/news/right-to-challenge-yellow-lines-and-unfair-parking-charges https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/348848/140830_-_Right_to_challenge_parking_paper_FINAL.pdf
  23. Hi all, received a PCN on my vehicle for parking on a single yellow line. Used the local authority website to challenge and was told that a response would be received within 10 working days. Nothing was forthcoming, and the next thing was a Notice to Owner being delivered by post, stating that the full amount was now due (£70, rather than the £35). I spoke to the council and told them that I did not receive a response to the initial challenge. They stated that it had been sent by email and resent by email, the copy. My question is this; does a r
  24. Ok this is going to be a long one so bare with me In 2006 my sole trader business got so big I needed to change to Ltd, I spoke with my bank regarding changing over the account to Ltd which as they said was not a problem and they would handle everything, when we got closer to changing the following happened Meeting with Bank Manager 2006 Bank manager said I would need to sign a debenture in order to still have the £20K overdraft facility that I had when I was sole trader Shortly after they said I would also need to sign a guarantee, I didn't question this at first until we
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