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  1. I have been issued with a a PCN for parking at a local council NCP CAR PARK. I have been photographed leaving the parking site without paying for a valid parking ticket. I DO have a parking ticket for the time of parking but it does not display my vehicle reg number, I could not remember my reg number when I got the ticket,couldnt be bothered to walk all the way back to car, so just entered a series of 1111111 in order to obtain the ticket. I have appealed the charge but am expecting in to be rejected, because thats what they do. what will happen if I refuse to pay up.
  2. In a country were you cannot say anything in case somebody find it objectionable, or offensive. Is the age of chivalry dead? and if so what has killed it off?
  3. Hi Peeps can anyone confirm if they actually buy the debts or just attempt collecting ? For credit cards on following :- Lloyd’s HBOS I should’ve asked before sending CCA’s yesterday - schoolboy error ( still learning ) Thanks
  4. Hi guys, I wanted to get some advice before I part with my money to my Landlord. I'm in 12 month contract, no break clause with 5 months left but I've just accepted a new job abroad at the end of this month. I contacted the LL with a months notice and explained I'd get someone to take over the tenancy but they're saying as I need to give 2 months notice, they will need two months rent (my deposit plus an extra month). The LL is in the process of already getting a new tenant, probably giving them a fresh 12 months. Is the LL correct in asking for 2 months rent? In the agreem
  5. Hello, I used the Post Office self-service machines to post a parcel and my receipt only printed correctly on one side. So I don't have a correct receipt and most importantly the tracking number is not printed correctly. I have spoken to staff in the Post Office about this the next day but they have stated that they are unable to help and I sent a email to them but they have said there is nothing they can do to help. Is there anything I can do in this situation? Thanks.
  6. I received a letter dated 5/12/17 from MBNA offering £924.03 minus £184.81 UK Withholding Tax. This was for a PPI undisclosed high commission complaint (PLEVIN) on a very old credit card on which they had refused a PPI repayment as they claimed it was not mid-sold. I am a 70-year old female Pensioner who had a mild stroke last week and do not understand these things, but also do not trust Banks. Is the UK Withholding Tax being paid directly by them to my HMRC 'account' ? Can they be trusted to do this. How can I check that the calculations given are correct? They
  7. Got keys to HA property in March - Within 10 days I noticed infestation of Wood Lice Wood Worm (didn't move in until April due to having flooring fitted and furniture delivered Reported to Housing officer 30th March who said that I am liable as I was now the tenant and if the wood lice were coming through a gap I was to block it up (messages kept) Explained that how could I possibly of known there was an infestation when I viewed the property back in January as viewing was very quick less than 5 mins and who goes around looking for Wood Lice, the same as when I got the keys in
  8. We have had numerous issues with a caravan purchased from a dealership in less than a year we have had approximately 44 issues with the caravan with several issues being serious. Four of the issues resulted in the front and rear panels being repaired and then replaced. The advice I got from a lawyer was as follows; Although I appreciate you approached XXX Caravans to supply you the caravan, as you took out a hire purchase agreement with Black Horse, they are the retailer of the caravan. T herefore any rights you have under consumer law are to be exercised against B
  9. The countries expert on bailiff law; John Kruse has written in his latest Bulletin about the important subject of bailiff fees when debtors make payment to the creditor (i.e. Magistrate Court, local authority etc). This is a subject that has been discussed often on the forum and thankfully, with the regulations now having been in place for two years, most local authorities understand that if a direct payment is received from a debtor after the account has been forwarded to the enforcement agent, that the Compliance fee of £75 needs to be deducted at source and the balance apportioned on
  10. Reading the advice about non-priority debts and what you should offer those creditors... it says, You cannot split your surplus, between credit cards, and then pay a loan.. (basically).. however, what do you do in the case of a joint loan?
  11. 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
  12. My employer has changed their payroll system and as a result they have declared all my income correctly up to the end of December and then re-submitteded it all again to HMRC in January so now it appears to HMRC that I earned £2x,xxx inthe first nine months of the financial year and then was paid the the whole total sum again in one payment in January and that no PAYE was collected on this bumper payment the supposedly made to me. It is obvious that the employer has made an error and entered the year to date figures rather than the pay period figures but the implication of this is that HM
  13. Long story short I bought a car on finance had it for three months and life changed enough that I missed the next payment and would miss further payments. I agreed to them having the car back. the repo men turned up we had a cuppa and they went with the car no bad feeling. Due to family circumstances I moved house very quickly to another town to a farm yard hard to find. I stopped paying into a pension and months later thought they were still taking it to find out it was an ATE £100 they have taken me to court for payment including interest - almost £10,000 for nothin
  14. sorry still new to this ppi stuff? is this offer right? i have scanned in the details as pdf. rbsoffer.pdf
  15. Hello, im after some advice if possible. CAG has been helpful to read but im now stuck. Following redundancy I got into a bit of credit card debt, im now in a position to try and resolve the debt but don't know where I stand. One of the credit card debts is now with Idem servicing. I sent the a CCA request and they replied stating they had no agreement, should one be found they would send it. Foolishly maybe, I offered a full and final settlement offer just to move on. They rejected the offer and sent a credit card agreement (13 days after they said they didn't
  16. Around a year or two ago the an underground ditch drain pipe started to leak and come up after some heavy rain, my parents who were living here at the time called the council to get it fixed. The council then dug up the drain but left it as an open ditch on our land, without asking us first... (we would have said no) The council refuse to correct the damage done, and say we must pay to repair it ourselves or pay them to do it. We never asked them to dig up the ditch. They did that on there own accord. Do we have any legal backing to force them to correct the damage done?
  17. Hello All, thank you all for the advice that follows; My car has been photographed at the above station and issued with a PCN in the early evening but that PCN has an incorrect reg on it. I, like many others, just want assurance that the PCN is invalid due to the incorrect details being taken down and not to do anything with the PCN nor write to NCP. I always pay my parking, all the time, including this day pay by phone but I did this just before leaving London some 2 hours after the PCN was issued but by the time I got back to my car the dreaded sticky envelope was on my w
  18. Hi All, First thing, is this notice now legal or does it need more work? READ THIS NOTICE Removal of ‘Implied Right of Access’ Notice: Except: Family, Friends, Postal Services, Delivery Services and the Emergency Services - (limited to the time needed to deal with the reported emergency), a Bailiff with a valid Court Order Signed by a Judge including full printed name of Said Judge. (Note: A Bailiff has NO legal right to force access (nor is it implied by this notice) to a residential property, only by “Peaceful” enter by invite only)). Any other person(s) and/or any companie
  19. Went to see an IFA today.. and recieved some information which, i think , conflicts with what i've read on here.. (might be me making the mistake). He has said, that debts owed, are not wiped from your credit file, until 6 years, after satisfaction.. ie: they stay there.. and if you want a mortgage or something, they would still be considered, even after the 6 years. My CC;s are on 4 years. and i will need to change my mortage in the short.mid term.
  20. 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
  21. Hi On going through the SAR on my other thread i found a £1500 loan from 2003 over 24 months with a single premium PPI added . The APR on the loan was 17.9% , although on an adjacent piece of paper it says" interest 16.62% applied throughout the period of this statement to the whole of the outstanding balance.`` Is that all i can claim the 8% statutory interest??? Stat interest spreadsheet attached is that correct? StatIntSheet v101 lloyds Tsb £1500 loan PPI single premium.upload.xls
  22. hi thanks for viewing, I need a legal minded person to answer the following issue I have with the landlord/letting agent; prior to October we have had loads of issues with the house we are renting (but love the area before its question why we do not leave!). Over time we have been without : hot water for 7 days and 11 days on separate occasions Been without a shower 8 days and 12 days on separate occasions Without Electrics upstairs for 12 days when we moved in easy to say I know but there have been a large number of issues but we just got on with it. Even though
  23. Hi there I've just attempted to post in banks,finance,credit forum but it states that it's not accepting any more posts.. .. I hope you can re direct this for me and hopefully help. I have four credit cards (all defaulted against) and one loan (with a ccj) that I am looking to settle . two of the cards are in my husbands name but I will be negotiating in the same instance. All of the creditors have payment plans in place which I negotiated myself which have been running and paid on time for a minimum of two years agreed payments are between £20-£40 per month each. I
  24. Recently, I had some UPVC windows fitted.. Shortly after the job, I noticed that there were a number of defects with the glass and frame i.e. cracked glass, damage to frame etc As per the company's guarantee/policy I contacted the firm. I was then told to email them detailing the issues. I did this immediately, however they ignored my email. So a week later I called again. I was given no apology, instead I was told to provide some additional details, which I did. In my follow up email, I politely asked to be contacted within 7 days to arrange for remedial work to take
  25. Hi all, I have had a recent run in with a bailiff and im posertive he hasnt followed the correct rules for taking control of goods, im not wanting to debate whether im right or not! i would just like to know the correct way of complaing about it. the complaint would be at the bailiff and possible his company as they were aware of his actions? thank you.
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