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Found 9 results

  1. Hello My husband apparently went the wrong way down a one way street. He didn't see any signs. I was going to ask if anyone can identify any technicalities we could use to avoid paying the PCN but I can't upload the photos as I don't have enough posts! So I will ask the only question that I can without photos...The PCN arrived yesterday, 21 June 2018, (with first class postage) but I note that the notice is dated 13 June 2018. This means there is a very short time before the 14 days expire. Does this give us anything to argue? Thank you so much
  2. Hi, I just received a PCN for Entering and stopping in a box junction when prohibited on Cricklewood Lane. This junction box doesn't cover the whole intersection. Does this comply with the standard? I've attached a video showing this box junction and my car entering it (Silver Car) video.zip
  3. Could some expert on here have a look at the attached Secured Loan Agreement and kindly assist in the following questions. APR clearly states 20.10% but Monthly interest is 1.35 %. Surely it should be 16.20% ? If incorrect would this affect the enforceability of the agreement ? Mortgage Indemnity fee charged on a secured loan below £25k - Is that correct ? The loan is secured on my property by way of a charge, not by a mortgage / 2nd mortgage ? Also Welcome have not provided a signed agreement that was dated by them. When would the 7 day cooling off period start from ? I have been reviewing various old Welcome posts but most seem to have no conclusion, so just wanted some clarity. Cheers Further to my earlier post I have located comment made by Welcome in a previous correspondence regarding the APR% query by me as follows. "On your agreement the APR is detailed at 20.1% and the monthly interest is 1.35%. Therefore multiplied by 12 gives an annual rate of 16.20%. This is the same as the annual interest rate showing on your latest statement, there has been no amendment." So on the above statement therefore would my monthly payment of £232.74 over 180 months be variable ? How can I calculate with the figures on my agreement, what interest I have been charged to-date ? Should I have received a Statement of Price Payment Breakdown ?
  4. Hi, I have received a PCN for failing to comply with a No Entry Sign in Morris Place N4 London. It's a very confusing road which splits into a No Entry two thirds of the way down the road. What is particularly confusing is that there is still a 'Turn Left' sign at the end of the road - possibly from before a No Entry rule was introduced? This 'Turn Left' sign can clearly be seen on the photographs on my PCN notice. I've done a bit of googling and can see that this Morris Place No Entry has been the cause of much discussion previously with a number of people appealing and having success. I think some of the road signs have now changed (I don't think there was a No Through Road previously at the top of the road). Is it worth me appealing again? It was dark and I did not see the sign, I also used to live in Finsbury Park and it was always OK to drive down this road, but must have changed in the last few years. It seems ridiculous for such a tiny stretch of road. Any help would be much appreciated! Thanks
  5. Hi everyone, My wife have accounts with Barcalys which were opened in the early 90s. Apart from recent statements, she does not have any other paper works. There are definitely charges and possibly PPI but we need proof before making any complaint. We made a SAR request in Feb 2015 and a LBA went out three weeks ago (April) giving them 7 days but they have not bothered to respond at all yet both letters were signed for. I now want to get a court order for them to comply but I am not sure of how to go about. Which form do I use? How much will it cost? Any example/template of such an order? Any other thing I should know or add to the order? Any help is welcome. Thanks
  6. This is not to do with family or money. I took a company to court over defamation. I wrote to the company over 18 months requesting a SAR as the incident was recorded on cctv but they failed to provide it even though all the conditions laid down by the ICO were met. All I got was excuse after excuse. I contacted the ICO and they agreed I had met their criteria but the data controller had the last say. I had letters from the company to say they had identified me. The final straw was when I was asked to take my passport into their head office some 200 miles away. I was prepared to take it to the local branch but they deemed this unacceptable. I made application to the court and the judge asked what I wanted - my reply was a letter to retract their accusations. The court order was in my favour and the order stated that I should be in possession of this letter on a certain date by a certain time. This failed to happen so to my mind this is a breach ot the order and constitutes indirect contempt of court. I can find plenty of legislation in CPR rules but it is all to do with HSE, family law or money. I would appreciate any advice as to what my next step should be as I do not feel trying an enforcement order will be of any use and as they disobeyed the court order it should be dealt with as indirect contempt. There was no order against me for costs although I believe it is normal for the applicant to suffer the costs except under special circumastances. Thanks Hatsoff
  7. Hi, Firstly sorry for the long winded post but just trying to summarise our problem and will get to the point eventually lol, hopefully someone can help with my fiances problem, My Fiance moved in with me in July 2014 and she has some serious medical conditions that have been going on for 9 years and aren't going to get any better, She moved from the south to join me up north and we both new it was important to become registered with a local GP as soon as possible with her requiring constant repeat prescriptions for controlled drugs. She approached the local GP surgery and requested registration, was given a form to complete and thought that was that, from there its been nothing but a nightmare. On our first visit to the GP we were informed that the secretary had registered her on a temporary basis and not permanent meaning her files wouldn't be requested and the GP would have no info on her conditions and problems, the secretary said it was done in error but it was ok as after the 2 month period she could register again on a permanent basis, creating major problems as the level of her medication which had been established over the last years with her old GP was under question by the local GP and trying to explain all the medical problems (there are many) seemed to be falling on deaf ears and literally taken with a pinch of salt and disbelief by the GP. As my fiance is on such high levels of meds she frequently had to request repeat perscriptions due to the GP not allowing the levels her previous GP and pain clinic had perscribed as they had no medical notes infront of the explaining her medical history. On one occasion my fiance (who struggles to get out of bed some days and has great difficulty getting about) walked up to the surgery as per practise rules to order a repeat prescription and allowed the 48 hours for processing, as my fiance was unwell and had ran out of her med's for a day I went to collect the script that had been ordered to be told that there wasn't one there and the secretary then looked at her computer screen and said there was no script, and went on to work out how much medication my partner should have left for the time period from the last script (thought this was a clinical decision and not one a secretary should be making or discussing openly on reception infront of waiting patients), despite my fiance being on a sliding amount relevant to her pain, this calculation made by the secretary was wrong leaving my fiance with no med's and told that it would take a further 48 hours to rectify (the med's are controlled drugs and cannot just be stopped), despite this there was no offer to rectify the secretary's error straight away and refused to be able to see a doctor urgently. Obviously we were disgusted and frustrated. On another occasion my fiance had an appointment to see a GP, as she is unsteady on her feet I escorted her to the surgery, her appointment lasted 25 mins to my surprise and on her exit she had a urgent referral letter to hand to the secretary, she informed me that the GP had found a lump in her arm, one in her armpit and one in her breast, the reason for the lengthy consultation was that the GP had to call a second senior GP for a second opinion, the urgent request was handed in and we awaited an appointment. Several weeks passed and we received a Book and Choose appointment to the local Skin Tag clinics, my fiance rang and enquired with the skin tag clinic if this was the correct referral for lumps in flesh i.e lumps in breast tissue and in armpits, she was told it was a skin tag clinic for removal of lumps ontop of skin and to contact her GP surgery and notify them there has been an error as she had been referred to the wrong clinic. upon doing this my fiance managed to speak to the secretary that had made the referral and she apologised for the error but was told that she couldn't rectify the problem and that she would have to go back and see the GP for it to be rectified, an appointment was made for two days later for 11.30am despite my fiance having an hospital appointment the same day for 3.00pm for an endoscopy but due to the worry of an urgent referral that hadn't turned out that urgent in their eyes my fiance accepted the appointment. On the day of the GP appointment and the endoscopy appointment my fiance hadn't slept all night with worry, she fell asleep at 7am. I tried to wake her (which is difficult enough on normal days due to the medication she is on) for her GP appointment but was unable to do so right upto half an hour before the GP appointment, so i rang the surgery 25 mins before she was due there to notify that she wouldn't be able to attend and informed them the reason why, I was told in a not so nice way that I should have called Half an hour before the appointment and that this would go down as an Did Not Attend, despite the secretary being very off in her manner I asked if we could reappoint as the appointment was regarding an Urgent referral that had been made with the wrong clinic and that the referral was supposed to Urgent despite 3 weeks passing and hadn't been rectified. With that the receptionist checked the appointment and informed myself that my fiance had been made the GP appointment but that she had Dropped of the system due to her only being temporally registered and the 2 months had expired so she wouldn't have been able to have see the doctor anyway! Obviously this created great confusion and frustration, my fiance had an appointment booked but had she have arrived at the surgery she wouldn't have been able to see the GP?? and was told before my fiance could have an appointment she would have to go to the surgery and register as a permanent patient, I was then asked if my fiance was available to talk (due to patient confidentiality) I told the receptionist that my fiance had just stirred from her sleep due to her bad night of worry and that she was'nt really in a state to talk but she said its fine if a can just talk to her plz so i passed the phone over to my fiance, i was by her side and could hear the receptionist being very abrupt and talking down to my fiance, to that my fiance asked the receptionist said 'excuse me iv'e only just opened my eyes, would you mind not speaking down to me like something you've just stepped in and talk to me a little more civilly), my fiance was explained why she would'nt have seen a doctor today if she had attended and told to visit the surgery and register as a permanent patient, my fiance hung up, this was a friday so she could'nt get to the surgery until monday as she had her endoscopy to attend that afternoon. Monday came and my fiance realised that her meds were very low and that she needed to register as a permanent patient to avoid complications as in the past, she rang the Surgery and asked what the procedure was to register permanently and that she needed an appointment due to her med's running low. She was told by the receptionist that the surgery would'nt accept her as a patient due to being Verbally Abusive to staff and she had to find another GP surgery, she was also informed a letter was out in the post notifying her as to the reason why. We never received any letter so we rang and asked the Practise Managers name to address our complaint to and was informed Dr X by the receptionist, so we wrote to Dr X asking for a meeting regarding the accusations and what had happened in the past, Dr X replied refusing a meeting/appointment stating that on several occasions my fiance had been verbally abusive to staff and due to the NHS zero tolerance procedure the practise wouldn't accept her as a patient. So we sent a section 10 Data Protection Act Request for my fiances notes and copies of any documentation including notes of the alleged verbal and abusive behaviour including dates and copies of any referrals made urgent or non urgent and to which clinic, along with the stat £10.00 postal order. we have since been sent a reply from Dr X returning our postal order stating that they no longer hold any records and enclosed a list of dates and circumstances that my fiance was supposed to have been verbally abusive to staff but these are written in his letter not copies and to be honest none of the dates tally with appointments she had and the seems all fictional there's double appointments she has missed apparently after the date her notes so called dropped of the system??? the GP clearly refers to evidence he holds in his hands and on a recent telephone call to the surgery with an enquiry about my fiances sicknotes the typed her name in their system and they informed us of dates that they stared and finished in the past, so obviously something is on their system. We sent a letter notifying DRx that he had failed a s10 Request and returned the postal order and that the days are still counting down, and just had a reply stating that ' we do hold statements from staff regarding your communication and conduct during your contact with the surgery, however as it has been abusive both in the surgery and over the telephone I'am refusing to release those statements to you on the grounds that should I do so, I feel there is a real risk of my staff having further abuse which is not acceptable' and that he has taken advise from his local NHS information Governance Support Officer. We have since found out that Dr X isn't the practise manager as informed although Dr X has taken it upon himself to reply and that Dr Y is the Official Practise manager. (again informed by receptionist that Dr X was Practise Manager???) Can anyone please advise if this is correct??? if we can continue persuing any documentation they hold on my fiance?? the pure incompetence of the receptionists is unbelievable and beyond belief the claims being made are so far from the truth, my fiance has been with her old GP for 13 years and not one complaint made against her but yet she moves here and within 2 months there's two or three and I have been with her in the surgery at the alleged times and also within earshot on the phone.. and none of these alligations are true. Since this farce with the Local Gp and only a week after the refusal to re register there my fiance ended up in hospital for two weeks prior to christmas and this could have been avoided had she her GP to call on... Again sorry for the lenthy post just hope we can get some help/advise Hadituptohere
  8. Hello Everyone Please accept my apology if this post is a bit lengthy. I'm on Credits Only JSA as I'm working part-time Mon to Fri. Recently, my JSA advisor had sent me to Mandatory Work Activity(MWA) when she learnt I was having holidays from work. She did that although she knew I did not fit the MWA selection criteria. The advisor, despite my objection, just handed me the referral letter to the MWA and said if I don't do it my NI credits will be stopped. Due to her pressure I complied and went and did the MWA for 4 weeks. When I completed the MWA and on my first meeting with my advisor, she handed me another letter for the work programme (WP) personal advisor interview. At that point I protested and said I already have a part-time Job which was staring again in 2 days and I'm not interested in going into the Work Programme. I also said that as far as I know the Work Programme is not mandatory for people on Credits only JSA. All that was ignored and the letter was handed to me. On further research, I was able to confirm that indeed I was exempted from the Work Programme. I have then lodged a formal complaint in which I questioned the reason for setting up a work programme advisor interview for me from the first place without my consent or even discussing it with me. I also indicated that as it was voluntary I had no legal obligation to attend that interview. However, after the interview date (which I did not attend) , I was called by the Jobcentre and told that they have now made another appointment for the Work Programme Interview and if I don't attend it then they will close my claim. I replied that I did explain to them in my complaint letter why I did not agree with being sent to that work programme interview and it was now more than 4 weeks without receiving any reply for that complaint from them. I asked the person on the phone how come it is mandatory to attend that interview while at the same time the law states clearly that the work programme is voluntarily for people on Credits Only JSA? The person replied that all advisor’s interviews are mandatory and if I don't attend then they will close my claim without even taking it to a decision maker. I'm not sure about the motives behind insisting on forcing me into that interview but given previous experiences with my advisor I really do not want to go there. Now today, the jobcentre has sent me another letter stating that if I do not contact them to arrange for another interview within 5 days then they will close my claim. I have already contacted my MP regarding this matter as this is getting too much but can someone please advise me on these points: 1. How valid is the claim that all Advisor’s interviews are mandatory (i.e. normal bi-weekly advisor interview versus a specific Work Programme interview)? 2. Why would they insist and try to force me using threats to attend the work programme interview even although I'm not required by law and I have made it abundantly clear verbally and in writing (more than once) that I had no intention of following that programme? Is it possible that they had already sent my details ,without my knowledge or consent, to the work programme providers? 3. Can they just close my claim just like that for not attending the work programme interview without even considering the compliant that I have raised or even involving a decision maker? Please your advice is appreciated! Thanks for your help. Lucy
  9. Hi, my fixed penalty notice says fail to comply with direction indicated by green arrow traffic sign, £75 + 3 points. The police officer that stopped me after the turn asked if I knew why I was stopped, I said no , he mentioned the arrow , I apologised to him and explained that I genuinely missed the sign and thought it was a normal green light , it wasn't my area of driving and i was following the traffic until that turn, there was a lot traffic, but unfortunately the officer still issued the ticket. Could anyone advise how to contest this penalty ? Cheers
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