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About Me


  1. 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
  2. Hi All, Thank you for all your help over the many years - been a long journey but almost there. Now that I have the strength and knowledge (from here) to take on the financial system in this country, I'm now trying to help my elderly Dad fight back. My Dad was always in control of financial affairs in the past but for the last few years now has become less able to deal with the modern world and now he is showing early sign of dementia. It came as quite a shock to find out that he has 6 credit cards which are now leaving him with no pension to live on. It became noticeable las
  3. Hi, Long story short, I moved out of my Dad's house around 8 years ago. It was the only place I'd lived until then, so I accumulated a bunch of stuff in the attic, as kids and teens do. Since then I went no contact due to verbal/mental abuse from him. That was about 5 years ago. I've since moved away to another part of the country and have not been back. In the summer last year I had an (unpleasant) message saying I had to remove my junk from the attic or they'd be thrown out. I replied and said they could be thrown out. I heard nothing until the other day when another nasty me
  4. Hello, (Please excuse me if this has been posted in the wrong section). I recently found out I have a CCJ against my name and credit record etc. However the debt isn't mine, it is my Dad's, but we have the same name. I took a mobile phone contract out with Orange a few years ago (2010 my first contract), after a while I set up another mobile phone contract under my account for my Dad. After his two year contract passed EE (was Orange) contacted him for an upgrade, which he accepted but requested that the number and contract be severed from my account and a new one set
  5. What on earth is happening with the Metro bank? The new bank which was going to put all the old traditional banks to shame. "Love your bank at last" is their motto but maybe it should be "Love your bank the last". We opened an account with the Metro a few years ago because they appeared to be full of promise and anxious to get away from the traditional model of unfair, inefficient, profit minded, conveyor belt customer treatment. We've had a pretty good experience with them over the years but this year it is all started to turn to a disaster. We are now finding that th
  6. This is regarding a Car sale , but the [problem] could apply ot anything. ( whats wrong with the word Sc@m ?? ) My Dad is 87 and a bit out of his dept when thing gets outside the simple Ebay type see /pay .buy /get delivered senario. He paid 3k to a Apparently legit Escrow comany ,based on an advert on Ebay , the advert got pulled the instant he asked about it and then went via thier messaging system . But it seems now he's been had , as part of a larger [problem] involving a number of websites , hacked and giving glowing referencesto this fake company . Actually on in
  7. It's just a cash gift to me as he's "splashing the cash" after the sale of his deceased parents' house, but I don't know if I should declare it to the DWP, because they might then decide I don't need the ESA or HB at all and just use that money instead for a couple of months. I wouldn't put it past them, frankly. What should I do?
  8. My Dad is 75 years old and in a conversation with him the other day he told me that Nat West were closing his account. He said it was one of those where he paid a monthly fee but never got anything out of it, he said he'd never used any services that it offered and when I asked how long he'd had it and why he'd taken it, he said that he'd had it probably 20 years (although his memory is a little hazy) and he said he hadn't asked for it, they just told him he was getting it.....I want to try to claim back his monthly PBA fees, should I start with a SAR request and take it from there? If so
  9. The letter said he has a lodger(he has never had one) he uses the house for immoral purposes which is really wrong as only we, his family visit him. The council has also been looking through his windows snooping. He is 64 and has heart problems. He goes to court in January but he's done nothing wrong. This is not the first time someome has reported him, last year someone reported him for his hedge. As soon as he came out of hospital after his operation he was reported for the hedge and the grass being too long. Well he couldn't walk without losing his breath, he has COPD and arthrit
  10. My Dad passed away recently. He died without leaving a will. He did not own any property, had no cash or assests. On his death he had a basic bank account which contained a few hundred pounds of Social Services, Direct payment money - ring-fenced to pay for his social care only. I contacted the bank and they were willing to administer and close down the account without the need to apply for a grant of administration. The money in this account has been repaid to social services and the account closed down. There are no assets - only personal possessions. The most valuable item i
  11. my driving licence got revoked and my ar siezed can my dad use his car insurance to get my car out as my driving licence at dvla waiting to up date ..?
  12. Hi all again, Thought I would make a new thread for this loan so not to confuse my other PPI thread for my dad. I'll be using this for the covering letter: Dear Sir/Madam, We are writing in relation to payment protection insurance (PPI) policy, associated with the above account, which we do not believe was sold to us correctly or fairly. We believe you have not treated us fairly for the following reasons: · The overall cost, this being associated interest, was not explained, nor mentioned at all · We were not told how to go abou
  13. Hi all, I've finally managed to get my dad to have a look into PPI on his past finances. He only agreed to do so if i did it all for him. Now I've been looking on this site and it seems I need, a covering letter, to fill out the financial-ombudsman consumer questionnaire and all the statements and agreements of the finance. I'd appreciate it if anyone could give me/send me a link to a template for the covering letter. I've already got the questionnaire from the ombudsman website so I'm ok there. Now my dad says he has all the paperwork and I sort of belie
  14. Not sure if this is the right forum or not for this one, but here it is. My dad has offered me an interest free loan to buy my council flat, which is all good, and everyone is happy to go ahead with it. The problem i have is, within the next five years, he may well end up in a care home, which means his assets will be taken to pay for it. Does anyone know, as the loan will count as an asset, if i can be forced to pay back, or sell, to pay the bills, or would the terms of the loan still hold, but just be transferred to the local authority paying for the care home? I have aske
  15. Hi All We live just off junction 4 of the M5, and they have had some average speed camera's installed for a month or os. My dad is a salesman and has 10 points on his license already. He actually went over 12 points, served a 3 month ban and now is on 10. But he just got a letter through with another 3 points - this time for doing 46mph in a 40mph average speed check. I didnt think they could prosecute until 47mph? Is there anything we should know that could help us?
  16. My father had a £5,000 alleged debt bought outright by Equidebt some years back, who didn't seem too bad as debt collectors go, though others may of course have had different experiences. Before Equidebt bought it it was last with Intrum Justitia, acting as Cahoot agents 'from memory', and with a couple of other Cahoot agents before that I think. He sent one of the early mobs a CCA request with the £1 fee asking for proof of the alleged debt, copy retained and sent recorded delivery, and they sneakily recorded the £1 fee as a payment towards the alleged debt. He then wrote them a lette
  17. Hi All first time on her so please forgive my mistakes (if any ) 2011 due to marriage breakdown I had to move asap and leaving everything behind I needed a car. Long story short I went to carcraft, had bad credit but they told me if I had a "pensioner" who owned own home it was guaranteed finance. My dad was 71 partially blind and deaf but owned his home so (after 3/4 hours) finance was sorted out. I told them that dad had no driving licence (he has never had one) and the car was for me and they said no probs got dad to sign finance etc and my details for car. When registration d
  18. My dad had £75 in one week taken out of his bank. And that over drew him and now he has another charge on his account. He has been trying for weeks to change his bank, but none would take him. He left money in his account for car insurance but they kept returning it, because of the charge on his account. He needs a bank that would allow direct debit. I've been with Llyods TSB(now Lloyds, or one of them-confusing) for ten years, it's my first bank. And have had no problems with them. Now he owes 50 for the returned direct debit. Ca
  19. Hi, I've read many a post on this forum going back a few years and the same thing is still happening. I really want to help stop other people getting sucked into Tigrent Learn UK Rich Dad seminar programs. I'm pursuing my money but at the moment I'm more concerned about making sure Tigrent don't get any more money. If anyone does have any advice or they have actually got money back I'd love to hear. There must be something that can be done about this company but I have only seen disappointed people still waiting for money. I went along to the free seminar in Gatw
  20. Hi, First of all apologies for the long post but I want to put out all the details so I can get accurate advice. I'm in a desperate situation and was hoping for some advice and guidance. Back in April I was caught using my Dad's freedom pass at Oxford Circus Station. My dad travels in and out of the country and leaves his pass at my house when he's not around. One day I picked up his pass accidentally and used it to travel to work. Completely unaware I used it for the next 4-5 days but after that began to wonder how I haven't had to top up my Oyster card. I took
  21. Hi, I'm posting this in the hope that someone can give me advice on how I can help my Dad. My Dad had a company that folded a few years ago that had secured business loans with Lloyds bank. He then had a triple heart bypass and during his recovery time the loan payments were paid by the insurance policy on the loan (it seems just the interest). Now he is working again (self-employed, he is 65) Lloyds want the debt cleared and are telling him they want to take his house. Earlier this year he came to an arrangement with them where he pays a certain amount per month. He made a
  22. Sorry for poor title, have to be a little careful on how I post this due to his current situation, long story short, my dad retired from his company about 3 years ago, but is still 60% share holder, he provided security in the form of property he owns to Natwest for loans taken out while he was with the business, since he has left his ex partners have caused all sorts of problems and he wishes to completely leave the business and disassociate himself with it he needs to sort out the security with Natwest to do this, Natwest will not deal with him regardin
  23. help my wife has left me and my 4 kids and has not paid the morgage in 2 years ( i was giving her the money every month) i only found out this morning when the ballif sent me a letter saying i have 4 weeks before eviction i owe 17,000 and GE mony want the full amount i have about £100,000 in equity in the house and i can afford payments each month plus a bit extra but not full arreas please can anyone help
  24. Hi, I'm looking for some advice for my Dad please, about this new poor man's tax. He lives in a 3rd floor, 2 bed flat and received the Bedroom tax letter. As he is 60 years old would he be exempt from this? (Sorry if that seems a silly question, I've no idea about benefits) He had a stroke last year and because of this had to stop his job (carpenter) so has since then been receiving DLA and help with his rent. He has been on the housing list since the stroke, as he has trouble climbing 4 flights of stairs to his home, so would gladly move. Like many people, he is already strugglin
  25. My dad has recently had an operation on his spine. He has returned to work and requested a chair that is more supportive to his back and his boss has just said "great well go buy one then" !! My dad thinks it is in spite as he's had 3 weeks off over the operation recovery period. What do you think? Should the employer buy the chair since theirs are very old ad not suitable? Is there anything legal on this?
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