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  1. Hi all, thanks in advance for reading and any advice. I'll try to be as concise as possible. I have an iPhone provided by my work. It states on the iPhone Policy that if you lose the phone or it is stolen, you will have the price of the iPhone taken off the next payslip. The only exception is if you can provide a police certificate that it was stolen, but there is a sub-exception here that states you still have to pay if the theft was facilitated to clear negligence on your part, e.g. leaving it unsupervised in a public place. In November 2015 there was a fire drill at work. I immedi
  2. Hi everyone, I've lurked a little through some of the other freedom pass misuse threads but thought I'd make my own, sorry if you're tired of these. Before I get into it, call me stupid (I am) but I really did not stop to think about where the money came from so people who need it can use freedom passes, what I was doing and how wrong it was, I only found out after doing some research and I feel extremely ashamed and disgusted at myself for this. I completely admit what I did was wrong and if worst case scenario I am charged with it, I accept my faults and take responsibility.
  3. Hi everyone. I could really use some help with this nightmare. I opened a GymEtc membership about 4 months ago. Somehow during the process the membership application got duplicated and i ended up being double charged for 2 accounts. I stopped the duplicate account direct debit, then get an aggressive letter from Harlands. I called them, explained the situation and they said they would close the duplicate account and refund the 2 payments. 4 weeks went by and I got no refund. When I contacted them again they said it had been initially rejected by GymEtc, then processed but st
  4. Hi guys thanks in advance for any replys, all help appreciated. I received a letter through the post to state that I had been charged with the offence of being the registered keeper of an uninsured motor vehicle. The letter I received was sent to my old address (mums house), stating that I either need to reply guilty or not guilty etc to the above offence. The vehicle in question was my old car that was left at my mums on the driveway for her to scrap/sell, I had moved the insurance from this car onto my new car so at this point the car was uninsured. Due to the
  5. As a landlord I am continuously surprised at what tenants will allow them selves to be conned into, this tale hurts my sense of fair play to tenants and I hope you guys can help. My friend is the 4th tenant T4, in a shared flat above a shop in south London (shop also owned by LL). It seems to be on individual contracts. The LL assigned my friend T4 with the responsibility of paying the metered supply water bill to the water company (lets call them WC as I am not sure who they are as yet). She calls WC and they arrange 1/4ly DD of £300. Although they did not change the name on the b
  6. Hi there. I'm absolutely gutted I got this through for such a stupid mistake. I have just received a Single Justice Procedure notice and panicking greatly. It says I have 21 days to plead guilty or not guilty. That you on [DATE OF OFFENCE] did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17(1) of the Transport for London Railway Byelaws made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962. On [DATE OF OFFENCE] I attempted to travel from home st
  7. Hi All, I recently had my car breakdown and after being diagnosed by the AA as a fault that needed a garage to repair it the car was recovered to a local AUDI main dealer thinking i would be in safe hands. They diagnosed the car with a sensor fault to begin with and they replaced that at a cost of just under £500 including fault diagnosis, however, this never fixed the fault they said and the car still had the original fault. So they carried out futher tests and then told me after 14 days that the car and a major ECU fault that would cost at least an additional £1500 + vat and 8 weeks to
  8. Hi Everyone, I would really appreciate your help here, as I think the Post Office home insurance are mis-advising people. I am moving out of my housing association flat to a house I just bought with my girlfriend. I have a 6 week overlap for the two properties so we can renovate and decorate prior to moving in. I already have contents insurance for the new house. My flat was covered for the last 6 years by the Post Office, I told them I am moving and have to cancel the insurance as there is already insurance at the new house, so they can't insure it. As such they have to cancel in
  9. A motorist has hit out at Asda after she was 'charged' £99 before she filled her car up with fuel. Jade Louise claims she was debited £99 on top of her £5 petrol transaction at an Asda in Dewsbury, West Yorkshire and says there were no signs warning customers about the fee. MasterCard said the charge was introduced at automated fuel pumps so that customers didn't fill up with more fuel than they could afford - but says no money will be taken from their accounts. However Jade claims she was left out of pocket for three days. http://www.dailymail.co.uk/news/article-5703487
  10. Hi all, asking for some advice on behalf of a family member. She moved into a council flat 6 years ago and has never paid for her gas. It is a pre paid meter setup, the meter is turning (quite fast) but the screen is blank. I She has been given annual safety inspections by the council but nothing has been said and also received a yearly cold weather voucher from British gas! I asked why she has never mentioned it and she said after she left it for a year she was scared of getting a massive bill, silly really as she now probably faces a much much bigger one. But anyway that
  11. Hello, I owe service charge backpayment to my management agent for my leasehold property. They took it to county court, then fast tracked to high court without informing me. I only knew when I received a demand for £2100 from the Sheriff's office. I offered to pay in instalments but they said their client wanted full payment, which I could not do. I sent them a copy of my Debt and Mental Health Evidence Form, they said their client rejected it. A Baliff visited my property when I was not in. I submitted an income and expenditure form (both mine and my wife's)
  12. Some confusion about this It seems, so I thought I would just post a quick guide. The three stages of enforcment for none HCEO debts are outlined in the taking control of goods regulations. The compliance fee stage is due on the receipt of the warrant by the EA or on the date of the NOE depending on the type of debt The enforcement stage fee is due on attendance of the EA at the debtors "relevant premises" The sale fee is due as per section 5 of the regulations: “the sale or disposal stage, which comprises all activities relating to enforcement from the first attenda
  13. A week or so ago a regular contributor on here (Dodgeball) started a discussion thread on the subject of when a bailiff should legally be able to charge a 'Sale Fee' of £110. The importance of this subject prompted me to approach CIVEA (The Civil Enforcement Agency) and yesterday they provided me with a copy of their official Guidance Note on the subject. A copy of this should be featuring on their website this weekend. Dodgeball's important and interesting thread on this subject has run to 5 pages and with 100 replies, I thought that this Guidance would get better publicity if it was po
  14. Can the terms of a repayment mortgage contract that was a fixed rate for 5 yrs be altered during the 5 yr fixed term to a SVR? Does a fixed rate mean the amount to pay each month would remain the same for the 5 year term and not go up or down? Would that be a breach of contract if it's altered? Is it lawful? When mortgage interest is charged daily, how would that appear on a mortgage statement, each month or once a year? Thanks
  15. Hello I have recently moved so didn't get my renewal documents. I have been a bit sloppy with my emails as well unfortunately. I received a text today from my car insurance co asking me to call them urgently which I did right away. It was from the collections department. They told me my card had bounced so they was unable to collect my premium. They had subsequently spent ten days trying to contact me to no avail so my policy had been cancelled. They told me I had to start a new policy which I have done and paid in full. I did this all at the office whilst at work and was pan
  16. Despite the new bailiff regulations having been in force for over 18 months, it is very worrying to see that a number of the 'Beat the Bailiff' Facebook pages continue to advise the public that if an enforcement agent is enforcing a judgment that has been transferred to the High Court, that the agent cannot charge VAT on bailiff fees. Such information is inaccurate and highly misleading. In April 2014 the Taking Control of Goods (Fees) Regulations 2014 were introduced and provide for statutory fees that can be charged by enforcement agents. In relation to county court judgments transferr
  17. Hi hope someone can help? My mum has dementia. Last year she telephoned BT to get her internet and home phone bills reduced as she was being charged for services she wasn't using and she was out of contract. They signed her up to a 18 month contract which has increased her bill plus the stop nuisance call service she pays extra for hasn't stopped the calls they have in fact increased sometimes calling in the early hours of the morning. I have telephoned BT who have apologized and agreed to lower her tariff but we are not happy with the service especially as she has been paying so m
  18. https://www.theguardian.com/business/2017/jun/20/sfo-charges-barclays-bank-executives-ceo-2008-qatar-fundraising I reckon they will get off with a slap on the wrist and a fine.. this after the SFO will have spent £thousands if not £millions of tax payers money trying to make a case against them.
  19. Hi I have been reading the following thread forum thread 353395 - Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits (Will not allow link) and have been trying to locate the initial letter sent to the bank, before action However there is a link at the first comment at the top of the page yet it simply goes to the forums titles and no letter I wonder if anyone can help at all as i wanted to send to my bank to see if i could stop monthly overdraft fees occurring which because i seem to be in overdraft most of the time, i always receive at least £33 in fees every m
  20. Hello fellow forum members: I’ve just received a Country Court Claim form : I’m a complete novice at this, I’ve never been to Court before - or posted on here before. I hope someone can give me some advice. The claim is from a gate installation company who have done part of a (verbal) contract made 18 April 2016 to make and install an automated sliding gate, around £5,600. I haven’t received any paperwork from the company (Contract, T&Cs, design, safety and compliance etc), nor have I signed anything. They laid the track for the gate in concrete on 01 June 2016. The gro
  21. Hi, I paid for a night in a hotel that I booked via hotels.com. The price shown by hotels.com and the paper invoice that I got from the hotel was correct - however I have subsequently checked by card statement and see that a 2% surcharge was applied to the booking. Having checked the hotel listing, and the ts&cs I can see no detail of a 2% credit card surcharge anywhere and have printed out the website details as a permanent record. Where do I stand on this legally? I was under the impression card charges must be clearly stated? Thanks Abe
  22. Hello, I purchased a case for my tablet on 13th January. When it arrived I opened the parcel to find the packaging damaged, on inspection the stand for the case was missing. I raised a query with their customer services and they agreed to send a replacement, they did not ask to see any photos of the damaged item. I found it odd at the time that they agreed to send out a replacement before they had received the faulty one back. The replacement arrived on the 20th Jan. The return of the faulty case was arranged by them to be collected by Parcel Force on the 23rd. I packaged
  23. Hi Guys, Need your advice on this unusual problem. Sorry story is a bit long. I’ll spilt it by bullet point to make it easier to read: 1. 23 Dec 2016 – went to the store made small purchase requested £50 cashback. Was deep in my thoughts. Felt a bit awkward at the end of interaction with cashier who started behaving strangely by completely ignoring me and started chatting with colleague. After packing few purchased items I was waiting patiently not realising what for. Felt as something did not finish - no eye contact from cashier, no thanks / goodbye. I’ve felt a bit strange and
  24. Hi, I visited my dentist last year on a requested appointment as I had tooth pain following a root canal procedure. The dentist didn't actually carry out any treatment on me as I just had inflamed gums from lack of flossing. When I paid for the appointment the receptionist charged me £18.80 for a checkup rather than £32.50 for "Urgent Treatment" which they believe should have been charged. Following this I received numerous letters requesting payment on the outstanding balance which I responded with via numerous phone calls and a letter requesting explanation for the shortfall which no on
  25. Hi everyone, I'm looking for some advice on some fees I was charged in relation to a cosmetic surgery consultation I had back in 2016. At the time I was considering having some cosmetic surgery, so was looking to arrange a few consultations with different surgeons to make sure I was making the correct choices on procedure and when choosing the actual surgeon. I tried to get in touch with one of the practices in question to enquire about a consultation - firstly on the number listed on the surgeons website and then as I couldn't get through on this line, I contacted the pri
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