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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. Hi All, just wanted your opinions on this please. A local takeaway owner applied to the Local Authority for a commercial waste bin. Eventually he got one but it took a month to get it. In the meantime, two other shops allowed him to put his rubbish in their commercial bins until his was delivered. Soon after getting his bin, he was contacted by the Local Authority in which they accused him of fly-tipping as one black bag of his rubbish had been found on a local nature reserve with details of his shop inside. He says that he cannot understand how only one bag was p
  3. I recently purchased a smart/fitness watch (Garmin). When purchasing I was lured in by the suggestion that the watch would feature connectivity to Deezer (Music app) so that I could download my playlists and go out running without having to take my phone with me. This was marked on the website as 'coming soon'. Since buying the watch and asking the customer care team when this feature will be added they are unable/unwilling to give a time frame. Is there an actual definition of 'coming soon'? I am tempted to take the watch back but as it is outside of the 28days and there is no
  4. Hello all. Firstly, as a first time poster I just want to say how useful this forum is, so I’m hoping you’ll be able to help me out too. I was recently stopped by a Southern Rail inspector. I was travelling on a packed commuter train and (although many of you might think this is an excuse) I suffer from really bad foot pain, which I have been to the doctors about, and sat in first class as I was in real pain. In hindsight, I shouldn’t have done it. I should have asked someone to get up for me, but being a young guy I doubt people would have taken me seriously. I spoke with the c
  5. Hi I wonder if anyone can help me...? I bought some composite garden decking with a 10 year guarantee 3 years ago, had it fitted and all was fine. Now it is cracking and some has collapsed, it isn't due to how it was fitted it is due to the quality of the product. I have contacted the company I bought it from who have agreed under the guarantee to replace the failing boards but what are my rights because the boards are in the middle of the decking I will have to have someone take up at least half of the decking to replace the boards and there will also be a clear c
  6. We recently had a neighbour park over the edge of our driveway - they were asked to move their car but refused, we called the local council who sent a parking warden on a scooter. When he arrived he confirmed the car (shown in the photo) was over the drive BUT I thought over the edge begins at the stone that tapers down to meet the road (Point A) where as he said only the last 10cm of the car was over which is more like Point B in the photo. Which is correct? Also 3 days later a Police Man came to our door about the incident - no idea where they got our details from we
  7. Hi Just received my credit file and after getting into a bad financial situation I have a total of 19 defaults on my credit file!, 11 are due to drop of this year and 3 next year the rest are around 2022, for the latter do you think my credit file will improve If I pay them of so they are marked as satisfied? or should I just wait, none of them are chasing me for payment at the minute Just edited to add one is for a mobile phone debt that I was paying for 2 years at £35 per month, it says I owe £550.00 now
  8. Palm Oil-What Is It -How Does It effect Us-And What Is It Used For. Hi Old Tawnyowl hear reporting from high up in the canopy of a tree today in Lancashire. Just chilling out. Another thread coming through.Sometimes i have just got to mention something that is bothering me. The story began the other day. There i was seeing what people were saying to each other on my favourite subject Fracking when a video came through. Completely unconnected. Now my days seem so busy researching,working,walking the Shoreline that the day seems to have vanished before much is achieved. Anyway
  9. Hi, I had an account with Natwest, which was shut down about 6 years ago. At the time, I had my Overdraft of £1800 (all owed), a loan for £1000 (£897 remaining), and one for £5000 (£3976 remaining). Due to my financial issues due to illness, I'd had to live off what little credit I had, and after a few months of being unable to keep above the maximum 1800 Overdraft (frequently going to £2000 when bills hit) my account was closed Following this, I was taken to court and something (I forget the technical term now, sorry) was put on my house so that when sold, my ou
  10. Are PCNs subject to the 6 years (england) statute barred law anyone know?
  11. A look into the future CALLER: Is this Gordon's Pizza? GOOGLE: No sir, it's Google Pizza. CALLER: I must have dialled a wrong number. Sorry. GOOGLE: No sir, Google bought Gordon’s Pizza last month. CALLER: OK. I would like to order a pizza. GOOGLE: Do you want your usual, sir? CALLER: My usual? You know me? GOOGLE: According to our caller ID data sheet, the last 12 times you called you ordered an extra-large pizza with three cheeses, sausage, pepperoni, mushrooms and meatballs on a thick crust. CALLER: OK! That’s what I want … GOOGLE: May I suggest tha
  12. http://invodesk.com/captivating-black-metal-bookcase/attractive-black-metal-bookcase_semi-open-design_three-shelves_four-caster-wheels_modern-style/ I'm looking for a sturdy three shelf rack for stacking printers on. It must have casters. I can't for the life of me find where I can get one of these systems in the picture – but it's ideal but there may be something just as good if anyone has any ideas. Ta
  13. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  14. Hi there I have a question relating to a loan that I took in 2004 through Zenith Windows to install double glazing. But Zenith windows went into administration in 2010 I believe. Loan amount 5K. It is now paid off. How do I go about getting the PPI back from them and the unfair charges. Can anyone help please? Many thanks and much appreciated.
  15. My friends vehicle has been seized and a notice of sale has been received. I am the debtor. I have included this debt in my bankruptcy which was approved a day after the bailiffs came. The Official Receiver accepted evidence that this vehicle was not my asset. My friend has provided a receipt, a bank statement, a sworn statement and a letter from DVLA confirming the car has not been in my name since February 2017. The v5 was temporarily in my name for insurance purposes as I was borrowing the car. The owner has submitted an N244 application. I have submitt
  16. Hi, Just wondering if I make a complaint about irresponsible lending will that halt any action being taken on a debt? Had 3 letters from Moriarty Law re Motormile for old payday loans with Northway Broker Ltd to my ex's mums house. This was in June! Have only just been told by ex's mum that she opened these letters and that she told them I dont live there anymore. The letter states 'In the event we do not hear from you within the next 14 days we have been instructed to issue proceedings without further reference to yourself.' Now as I say this was in June. They have
  17. Tried to do IR lending compaint with Quick Quid. They said No as loans are over 6 years old. Its not much but its a lot to me right now. Also I didnt pay back one of the loans but it has been sold on, to PRA Group I think .... Should I bother sending to Ombudsman? Or write this one off? Have included the statement Thank you all. QQredact.pdf
  18. Hi, I'm disabled and live with my parents. I claim IR-ESA and PIP, my mum gets Carer's allowance for looking after me my dad is approaching retirement age - he's on contributions based ESA, and receives a private pension from the job he was medically retired from. My question is - when I eventually get moved over to Universal Credit, will my ESA amount be affected by my dad's income? I don't think it should be, as it currently isn't I'm under the impression your parents' income has no effect on your entitlement. Hope someone with better knowledge can he
  19. Hi everyone Babbling on behalf of my boy as hes not too good at asking for help Hes late 20s. He moved out of his home in January to rent. His ex asked him in August to move in with him temporarily, he said no, she whined on that she couldnt go anywhere else as her friends had said no too she moved in with him for a bit. He gave her a deadline of the 20th to leave, she didnt. Shes not on the tenancy and the police were called. they told her they would return to chuck her out but havent since come back. She is now claiming she cannot be removed, as she s
  20. Have you or do you work for them? Specifically I am wondering about setting up a Limited company using Companies House. What are the pros and cons of this? Thanks
  21. The Great Repeal Bill – which does the opposite of what it says http://www.independent.co.uk/voices/theresa-may-great-repeal-bill-parliament-brexit-negotations-deal-a7837616.html One of the key points in the Brexit referendum and since has been the returning of power to the elected British Parliament YET the great repeal bill - includes a part which effectively gives absolute power to the PM and a handful of her senior ministers COMPLETELY bypassing the British democratic process. "The Great Repeal Bill proposes to delegate power to Government in the form of a Henry VI
  22. Government pulls all Learndirect contracts and funding https://www.theguardian.com/education/2017/aug/15/government-pulls-all-learndirect-contracts-and-funding?subid=19389892&CMP=EMCNEWEML6619I2 Learndirect, which was privatised by David Cameron’s coalition government in 2011 and is majority-owned by the private equity arm of Lloyds Bank An FT/FE Week investigation this week found that in the four years since it was sold off, it parent company spent 84% of its income, most of which came from the taxpayer, on payments to managers and financiers. learndirect oppos
  23. Long story short, without going into details.... though happy to if needed... I submitted a defence to a claim against me by a plumber (though the debt collection agency did it on their behalf) in small claims court. The claimant had to respond to my defence by a certain deadline, which they didn't, so a 'stay' has been put on the case. As it was explained to me this means the claimant has to apply to a judge to resume the case. When I spoke to the court they said an application could be put forward any time in the future, so there is no time limit. So I have a few questions I wonde
  24. Hello, I rented a studio over 4 years ago through a London Agent; standard AST. The Agent secured my deposit (over £1000) with TDS. After one year my LL decided she did not need the agent anymore and offered to rent the flat directly to me. This, according to her, saved her some money to proceed with the needed repairs. I have been renewing contract (no changes in there) for the consecutive 3 years since then. Due to her numerous failures to carry out repairs (leaks, mold, poor insulation, lack of heating - literally she removed electric heaters from the walls to make the fl
  25. I am running Windows 8.1, 64 bit, and the C:drive is not showing in the disk defragmenter, although it did before. Any help would be appreciated. Thanks
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