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  1. Hi, On the 18th of January I was pulled over. When the police officer asked what I was doing on my mobile phone (which was attached to the magnet holder). I immediately replied I was 'changing the music'. It was about half past midnight with no other cars on the road and I stopped my vehicle just before I entered a small roundabout as there was a car approaching from the right (which I now believe is the police car). I took the opportunity to pick a song to accompany me the rest of the way home. As I saw the police car approaching I pulled off and was pulled over.
  2. Hi can some people give me advice please I’m really scared today I went into primark and tag changed a pair of boots and my daughter out 2 things in the pram now as I walked out security stopped me and took me to a room where the manager came in he didn’t show me I’d, no cameras in the room, no recordings were taken, no copies of the incident report, no police was involved they took my provisional license and photocopied it and said that I would receive a fine I’m a single mum of 2 and worried I won’t be able to afford the fine what can I do???
  3. Hi my Father is nearly 66 and currently receiving Pension Credit and PIP my Mother is 60 and currently his carer for many years but is not doing to well her self and I've been doing most of the caring myself already. So my main concerns are id I was change myself to the carer how would effect them, I know heath is more important than money but I would want to see them be short as they are only just getting by as it is. I have no idea how that would work so I'm looking for a little help. My Mother would obviously lose the care allowance but I'm sure that was being deducted from my Father a
  4. Disclosure and Barring Service Email addresses are changing READ MORE HERE: https://www.gov.uk/government/news/dbs-email-addresses-are-changing
  5. Mum has Power of Attorney for her husband who has Parkinsons and lewy body dementia. Whilst she's managing the day to day stuff, she is really struggling to cope with finances, not least because she's caring full time and doesn't get 5 minutes to herself most days. She's asked me for help with sorting out Dad's bank account as there's lots of payments going out every month that she knows nothing about. Spent a day yesterday going through all the paperwork she has (she saves everything, but Dad went through a phase of throwing everything away without opening it just before he was diagnosed
  6. Hello. My employer tried to make a thing about how I performed my duties whilst working on the shop floor. Whilst going over the footage with them (nothing found), I seen that the CCTV showed footage of me getting changed down to my underwear (as there are no changing rooms). HR and my supervisor have both seen this footage. The employer hasn't registered with the ICO to use the CCTV but also hasn't put up signage, etc in the workplace to say that CCTV will be used and watched. Is there a legal position on this or am I getting needlessly upset?
  7. Hi, can anyone tell me if alleged"defaults" from creditors can remain on my equifax file or for that matter any credit reference agency? in my own case.. i have won 2 cases against me alleged to default in 2012 whilst i understand they are going to fall off the file this year... its later in summer.. my query is .. having won my cases, does that not say the dispute was won on an alleged debt.. therefore should not be there?
  8. Hi All, I'll try and keep this as succint as possible, I just want to gauge some opinions on a current issue I'm having with morethan pet insurance. Our cat is 13 years old and requires surgery costing up to £8k. We've had our policy since he was 8 weeks old, with the same provider (morethan), and have never made any changes to the policy ourselves. The cover limit is £8k (plus whatever excess fees, which we'll get to)... The last paperwork we received from them was the payment schedule this time last year (it also detailed the policy renewal date as 5th June 2018; we were yet t
  9. I'm changing my email address and want to amend the address that CAG have (the address you use to send me notifications when someone responds on a thread I've posted on). I must be having a bad day because I can't find the setting anywhere for changing my details! How do I do it?
  10. I started working for the local authority under a year ago, my employment record is excellent, no absence or lateness and great feedback in first 6 months, signed off. There is 5 of us in our department, 3 males 1 other female. The female is married to one of the males. I have had nothing but grief and complaints from this female work colleague in the same position as myself. I have told my manager at every monthly meeting she is difficult to get along with, my manager said "We, had a discussion whether bringing another female into the team would change the group dynamics"
  11. Tax is changing in Wales READ MORE HERE: https://www.gov.uk/government/news/tax-is-changing-in-wales
  12. Ok Just start with some background. for the past two years 2014 & 2015 i have had relapses of prolapsed disks causing me to have long absences , after the last absence it was agreed that i would be covered under the disability act (or whatever its called now) also after i had my injections i had to have physio which the occupational health provided so i got back to work a lot quicker than if i had waited for the nhs . Now on to this year i had to be signed of sick because my shoulder had frozen i cannot lift anything of with with one arm , doctor has put me on pain killers and o
  13. Hi Forum! Am hoping someone may be able to offer some advice. Following period of very difficult times late 90's/early 00's - I negotiated (and, over many years, completed) payment arrangements with most of my creditors to clear substantial accumulated debts over £40k - fortunately avoiding bankruptcy/IVA's etc. However, whilst moving house in 2007, I got issued with a CCJ - and slightly unsure who the creditor was!! Sounds stupid, I know - sorry! I have a sneaky feeling it was Yorkshire Bank - who had given up chasing me to clear £10k card debt. The CC
  14. Hi I pay by monthly instalments for my car tax and I want to change my bank account direct debit details, so yesterday I cancelled the direct debit and will re-tax the vehicle on 1st August. I have now received an email from the DVLA saying I need to re-tax it. The payment for July has been taken out already. I read the gov.uk website (change accounts part) before cancelling the DD, which clearly gives an example: Example You pay by Direct Debit every month, but want to pay from a different account. You cancel the Direct Debit with your bank on 5 June. You can continue driving y
  15. got a friend popped around says he thinks hes being short changed has asked several times about his holiday pay rate and is being stone walled or constantly fobbed off. can someone please check his workings attached and point me to a suitable letter to give them a good poke to sort it please.. not my bag this. dx
  16. I am in the process of chaning my old paper licence which has my old address on it over to a photocard with our new address on it. I have got my photo signed and the form signed by the person verifying it. I have my birth certificate but I do not have a passport, this means I need a further supporting document, dvla state a dwp letter will do. I do not have much since 2007/08 regarding the dwp, I still have an old letter from them so would that do? it has my current address on it. If not we do have something for my partners working tax credit, both of our
  17. My partner has had a letter regarding WTC. They are pushing her to open a bank account. She has been using a post office account for child benefit and wtc for many years now. Has anyone here had the same? is there a reason for it! usually is regarding dwp/hmrc. EDIT: Forgot to say we already have bank accounts but my partner has always liked using the post office one for budgeting etc. Tia
  18. Hi, My partner has had an agreement with IDEM services for a repayment plan of 95 pounds. She was diagnosed with Parkinsons in January. She has been without work for 2 years and now she must accept early retirement as she is no longer capable of working. We wrote to idem and her other creditors asking to reduce the figures to a token 5 pounds of which all but idem agreed. I will fill out and income/expenditure form for her to send, as now I am the only earner in the house and so am responsible for all expenses. is there anything I can do in order to get them to drop t
  19. Ok so this one can probably afford it . Doesn't look as if there is the leeway we thought there was. http://www.chroniclelive.co.uk/news/north-east-news/what-driving-licence-rules-landed-11394450 & http://www.chroniclelive.co.uk/news/north-east-news/sunderland-star-steven-fletcher-picks-11393089
  20. I have a holiday booked for later this year to Turkey through Thomas Cook and they have just informed me that the star rating for my hotel has dropped from 4 to 3 stars. Now obviously with all thats going on in the world today I am of course rethinking my trip as I'm not completely sure that I want to go anymore (the rights and wrongs of this being what terrorists want is a conversation for another day). Now in the T&Cs it states that if a significant change is made to the holiday then I can choose a different holiday or a refund, therefore my question is - Does a drop in star ra
  21. I currently work as a Deputy Manager (one of 300) for one of the big four supermarkets, and they have recently announced a new contract change that comes into force on Monday 18th April. In effect we are being demoted to a lesser position, that being of a duty manager. They argue that our job role is not really changing as we will still be doing the same job we have always done and they will not be reducing our pay. However it is a HUGE drop in status as our current contract states we are 'autonomous decisions makers' which classes us as senior business leaders and opts us out of working
  22. From 24 March 2016, the way headlamp aim is measured on the MOT test is changing. The new testing standards will emphasise the importance of correct alignment and stress that it shouldn’t be just a quick check. It’s been trialled with the help of VTS council member volunteers with the results verified by the Vehicle Safety Research Centre at Loughborough University. Headlamp aim consistently tops the MOT compliance survey as one of the most likely items to be assessed incorrectly by testers. In other words, the most complained about as a test failure. These new changes will
  23. This is a strange one and been hard to answer so far. My friend is a teacher and has handed in his notice to finish on Aug 31st (notice period in contract gives latest date of May 31st for Aug finish). This was done before Christmas. His circumstances have now changed and he wanted to change the finish date to April (notice period in contract gives latest date of Feb 28th for April finis). This is still well within the contracted notice period but the employer has said he will have to work his original notice or be sued for breach of contract! Can this be the case? has he effectivly someho
  24. Hello. I am currently getting income based JSA for about 1 year now. I stay with my mum, But all of a sudden my mum is saying i need to pay £27 towards to rent as the council will only pay £109. So why now do i need to pay. I have a brother who gets ESA, and my mum gets income support. What are causing the housing benefit deduction, My brother only started claiming ESA this year in march, And all of a sudden the housing benefit is cut. So could someone help me because i am getting the impression the cut is because of me but i have been getting jsa for around a year and
  25. Looking for some advice please on whether this is allowed before I respond if a claim has been issued and a hearing date set, at the stage at which witness statements are sent can the creditor rightly and legitimately double the value of the claim within their statement and will the court allow this/take this into account when hearing the case? Cannot tell that any formal application has been made just the request within the statement...
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