Two questions: A) Has there been a precedent for instances of inconsistent, incorrect or the inappropriate application of variable speed limit policy on a Motorway providing a legal basis to challenge a speeding ticket? For example: 1) Motorway road works have road side speed limit signs stating 60 mph but overhead gantry displaying lower variable speed limit i.e. 30 mph without risk factor justification. The remotely controlled gantry signs do not correspond to conditions on the ground. 2) Motorway road works end and maybe end of road works signs are displayed each side of the road but subsequent overhead gantries incorrectly displaying variable speed limit of 60 mph without risk factor justification. The remotely controlled gantry signs do not correspond to conditions on the ground. 3) Motorway overhead gantries correctly displaying variable speed limit during time period of high traffic volume but erroneously left on during subsequent time period of low traffic volume without risk factor justification. The remotely controlled gantry signs do not correspond to conditions on the ground. 4) Motorway single overhead gantry displaying variable speed limit of 50 mph immediately followed by overhead gantry displaying national speed limit without risk factor justification prior during or after. The remotely controlled gantry signs do not correspond to conditions on the ground. 5) Motorway road works reducing four lanes to two lanes having no variable speed limit applied followed by road works with the same lack of risk factor justification but with overhead gantries displaying variable speed limit. The remotely controlled gantry signs are not consistently applied to the same ground conditions. B) How incorrect or contradictory does a variable speed limit need to be before drivers should rely on their better judgement of the surrounding context to determine their progress without fear of the current judicial process automatically presuming guilt with no requirement for errors by Highways England to be accepted in defence or mitigation?

The sign The PCN To my untrained eye I see 2 errors on PCN ,and the relationship of the PCN to the sign. On the PCN the reduced charge amount is obliterated by the miss alignment of the printing , so the driver would not know the correct amount to pay . The sign shows a penalty amount of £90 reduced to £50 for early payment , whereas the PCN shows a penalty amount of £100 reduced to £? Good enough cause for the PCN to be cancelled ? What I have not shown is that as well as above, the phone numbers for enquiry or payment on the sign are totally different to those on the rear of the PCN . The sign is on the outside of the loading bay at The Mall Wood Green , and the alleged parking offence is on a small area just outside of the bay ,obstruction being the “offence “ although nothing or foot way was being obstructed , no observation tine was given , and the alleged offence occurred whilst the driver was getting a permit from his place of work and taking it to the security office

Lloyds Banking Group is to repay nearly £300m to about 600,000 customers over failings in the way it applied mortgage arrears policies, in the latest scandal to hit the UK’s biggest high street lender. Sky News has learnt that Lloyds will unveil a customer contact and remediation programme on Thursday alongside half-year results that will also be blighted by a bigger-than-expected provision for mis-selling payment protection insurance (PPI). Sources said that the redress scheme would cost Lloyds just under £300m, with more than £50m also set aside to cover administrative costs. The issue is understood to centre on the way Lloyds applied policies relating to financial difficulty assessments, leading to some customers being charged in error between 2009 and 2016. https://uk.news.yahoo.com/lloyds-repay-300m-customers-over-mortgage-arrears-errors-173400189.html

On the week-end of 2-3 June 2017, I parked on Cowley Place. One of my friends gave me the visitors pass for MN, but I did not realise it had a different zone than I usually use.(EO). I did have visitor parking permits, which I displayed and validated. Clearly there was no intent to evade payment or gain any advantage and I indeed have used/invalidated two visitor passes. I therefore feel it is unfair to be fined, and lose the use of two visitors passes. I also question whether the correct contravention code was used on the PCN. (30 - Parked longer than permitted). Shouldn’t the correct code be 19 - Parked in a residents’ or shared use parking place or zone either displaying an invalid permit or voucher or pay & display ticket, or after the expiry of paid for time. In my case I was in a shared use zone, displaying an invalid permit. Guidelines say Code 19 is used when a driver has made some attempt to park correctly and is displaying something that could have been used. Additionally, The Civil Enforcement of Parking Contraventions (England) Representations and Appeals Regulations 2007 states that any PCN issued should legally contain the following information : (3)(2) (b)(ii)but that, if a notice to owner is served notwithstanding those representations, representations against the penalty charge must be made in the form and manner and at the time specified in the notice to owner. I cannot see any clear reference to point 3 (2) (ii) anywhere on the PCN. It is insufficient to say that the owner must follow the instructions on the NtO, it must be outlined on the PCN. This means that the council has not complied with the Regulations made under the Traffic Management Act 2004 (TMA) or the relevant regulations. Am I correct in these 3 points, which make a sucessful appeal likely ??

This article from October 2016 - I dont recall it being mentioned anywhere? Has anyone had a bank try to reclaim some of their pay-out ?

Hello all, Been a while since I've posted; hope you're all well and still fighting the good fight This concerns people who, like myself, still sign on clerically - ie they don't use the electronic data capture pads at the Jobcentre. Keeping it brief, a couple of my JSA payments didn't go through during the past months and I'm convinced this was done deliberately to get me to switch over to electronic signing. The adviser tries to make out it's my fault and that 'these errors wouldn't happen if you used the electronic signing system'. I point out that I've signed via paper for years now with no payments missing and that the problem seems to have started when the pads were introduced and I refused to use them. The payment release procedure takes 20 seconds on a simple dialogue screen; there is no chance of any 'error'...unless the clerk simply doesn't do it. Just finished getting last fortnight's missing money put through as adviser once again didn't complete the release procedure - despite her assuring me payment had been processed (God bless digital voice recorders). So, has anyone else who signs via paper suddenly had payments go missing or problems with their claim they never had before? I'm willing to bet quite a few have..

Vodafone have switched their customer service and billing platforms over to a new system which has resulted in numerous errors in customer's bills. One common problem, is that some people have seen payments being taken after they've cancelled their contracts, while others have been charged more than once for services. There's also been problems with direct debits, which have been set up incorrectly by staff, and customers being put on the wrong tariff. Credit agencies have also been wrongly told that customers have missed payments If you're a Vodafone customer, it is well worth checking your bill to make sure no mistakes have been made with you. It is also worth looking at your data allowance, to ensure you're getting what you've paid for. http://www.bitterwallet.com/complaints/vodafone-bill-errors-cause-complaints-92335

Many regular posters might be interested in reading up on the latest benefit fraud and error reports issued (11/15) for the years 2014/15 by type and date you can follow this here >> https://tinyurl.com/j36owu3 or here https://www.gov.uk/government/statistics/fraud-and-error-in-the-benefit-system-financial-year-201415-estimates Final estimates of total overpayments and underpayments across the benefit system in financial year 2014/15. This report provides estimates of fraud and error levels in the benefit system in Great Britain for the financial year 2014/15. The main points from the report are: 1.8% of total benefit expenditure was overpaid due to fraud and error (the lowest recorded rate of overpayments) the estimated value of overpayments is £3.0 billion (a fall from the 2013/14 estimated value of £3.4 billion) the net government loss, after recoveries, is £2.1 billion, or 1.2% of benefit expenditure 0.9% of total benefit expenditure (or £1.5bn) was underpaid due to fraud and error, both unchanged from 2013/14 Next release: May 2016. Also it may be worth reading up on the other links within this page its full of useful statics and information.. Like the methodology report from here >> https://tinyurl.com/h5ramaq I hope you find it useful..

my daughter is on jobseekers, she has a son who was 5yrs old last year, and as a result she was removed from income support onto jobseekers, no problem with that, she has to find work for 20 hrs per week, to fit around school times and within realistic travel time for same reason. She is now single through no fault of her own, she part time cares for me as well as being single mum, neiher of us have tried to claim any carers allowance after the fuss of my IB with Atos, its just not worth the stress if we can get by. She job searches online daily, attends the jobcentre to sign on, this is where I am puzzled, she has her appts for sign on days and updates them as to her jobsearching, she is on their website and they can check at anytime on her searches etc, so no need for the diary now. She has a job advisor who she has to also see, so this week she has an appt on Tuesday for job advisor then again on Thursday to sign on. This job advisor is doing her head in, its like continuing pressure, she looks for work on her behalf which isn't a problem, but telling her to apply for jobs she has no experience for even though it states on the ad it is necessary, and to keep reapplying for same job after 2 weeks, seems daft? my daughter cant do much more than she is doing with this daily job search. why is it necessary for this advisor? I may be wrong here but I am sure others on jobseekers don't have to have these advisor appts? Our local JC is a nightmare, twice she has been sent home after being told they had no record of her appt, or it had been cancelled, only to find later that she should have been there. She did complain and it got sorted. Am just wondering what the hell is going on lol Apology for rambling and if I am wrong on any points.

For the full article - http://www.thetimes.co.uk/tto/money/article4145294.ece?shareToken=bd142f84e62bcef60ccc3555768bc420

Dear fellow members, Some advice on the following saga, which has been going on for years, would be appreciated. I'll try and keep the explanation as short as possible. In 2011, I deposited a cheque into my NW account. A few days later, it appeared to have cleared because I had available funds showing in my account, so I withdrew some money. The day after I withdrew money, the cheque bounced, which left my account significantly over my overdraft limit. I speak with Collections and suggest that we speak again in a month's time, by which time, I'd have done some figures and worked out how much I can pay per month, to reduce the balance. They were fine with this. 30 days later, they hadn't called me. 32 days later (only 2 days after the 'we'll have a conversation in a month's time date), I receive a 'Dear John, we have closed your accounts and give you 60 days to repay the balance...' letter. I call NW, to discuss the matter and nobody can discuss the matter with me, because the accounts are now 'closed'. I tried speaking with Customer Services, 2x Collections Departments, Customer Complaints, a Previous NW Business Manager, Business Customer Services etc. Absolutely nobody could discuss the matter with me, despite me trying in vain to discuss it with them. A couple of people gave me a phone number to call, which I did. It was an unmanned voicemail facility and I left a few messages, but obviously, nobody called me back. - I could not believe how hard I was trying to speak with somebody about me paying them money and how much they obviously didn't want it - phenomenal, I couldn't have tried any harder! After banging my head against the brick wall for a few weeks and getting nowhere, I sent a letter (recorded delivery) directly to the then CEO, Stephen Hester. In short, I explained my accounts had been closed, I was trying in vain to set up a plan for repayment, but nobody would speak to me and that I knew this would start having a serious impact on my credit history - so please get your skates on, find some common sense and speak to me so I can pay you! I then received a letter from someone in the CEO's office and opened conversation with him regarding the situation, via letters and phone calls (full conversation notes takes). He fully understood the situation, was sympathetic and seemed to be doing something about the situation. The fact that I had found his direct phone number and was regularly calling him seemed to help. He then passed me onto another internal department, that could deal with a repayment plan and rectify and harm done to my credit history. I spoke to the guy there, who seemed a bit vague because he had to constantly liaise with his boss on the matters. Eventually, I found the direct dial for his boss and also their mobile number and I was in constant communication with them. Now I was in communication with 2 different people in the RBS HQ offices (who seemed contactable, had common sense and enough clout to get things done)and things seemed to be going swimmingly well. I agreed to pay back the balance over 3 months and they agreed to rectify my credit history (because it was their negligence that had effected it). I asked them to put it in writing that they would rectify my credit history, because I didn't want to keep my end of the deal, only for them to renege on theirs'. One of them thought they should check with their legal department, before writing me email confirmation of this. Guess what, their legal department tells them they couldn't do it. I then receive a letter from them saying, you have to pay everything back and we won't rectify your credit history and that this is a ‘Final Response’ from them (in complete contradiction to what we had been discussing for months) Maybe I shouldn't have asked them for it in writing, who knows. What I do know, is that while the whole saga had been going on, my credit history had been left on tatters (shows 2x defaults). Some advice on the best way forward would be appreciated. To pre-empt some questions; - They have not sent me any default notices - The amount of the defaults on my credit files are wrong - Having tallied up all bank charges I have had from them since I opened the accounts + interest, it comes to 2-3 times the amount owed to them - They have not been able to send me any T's&C's, overdraft agreements etc, following my SOR request - My credit history deteriated and went to defaults, whilst they were being negligent in not speaking with me and later on whilst people in HQ were speaking with me and were assuring me that they were dealing with things - I went over the OD limit, purely because they let me draw on a cheque that was showing as cleared I really look forward to some good guidance on the best way forward here and thanks in advance

hi Really looking for some advice. I have an ongoing issue with british gas, this has been going on for over four months now and i dont know where to go from here. * I changed my account with them and needed to re-set the Direct Debit. Existing Direct Debit stopped.... * They then continued to try and take the money from the old account direct debit, despite new details and a new Direct Debit being set up. * Numerous phone calls resulted in two further new Direct Debits being set up and STILL they continued to try to take the money from the original Direct Debit instruction.... * All this time, I am losing track of what is owed to them, despite many attempts to pay my bills via direct debit. * We are losing our discounts because they 'Can't' take the money and i am spending countless hours on the phone, time when i am supposed to be at work trying to address this issue. * I even took a full day off work and had to cancel a family day out in order to wait in for a call from them and they never called * I have emailed them the details of the Direct Debit instruction many times and they've never replied * Now we have been contacted by a debt collector 'Buchanan, Clark & Wells' who are chasing the money we have been trying to pay them... . After speaking with B,C & W they informed us that they contacted British gas who told them that they weren't supposed to contact us as they were aware of our complaints, but that the staff member responsible for addressing this is away on 'annual leave' with no return date..... We are at the end of our tether and do not know what to do from this point on..... Any advice would be greatly appreciated. Lindsay

Carphone Warehouse - on 12th September myself and my Partner pre-ordered the Iphone 6+ 64GB from CPW on the O2 Network. both orders was for the 64GB on 4G Tariff with 20GB Data Issues 1. Due to a system error at CPW, they placed the order with O2 but with only 5GB of Data and this effected a large amount of customers. We both received a text message saying they are aware of the error and are working with O2 to resolve this and would be resolved on Monday 22ed September. however this has not been resolved, near imposable to get hold of any one at CPW and when you do the phone goes dead mid call or they keep transferring you form person to person with no one aware of the issue. Contact O2 of which refused to deal with the issue as they are not point of sale. 2. my partners phone never turned up and not even an email or update. Contacted CPW of which keep passing us around again and said it would now be 13th October before the phone would arrive of which we then told them to cancel this order and went into store this sunday to order directly in store and walked out with a phone. 3. my brother placed an upgrade over the phone via CPW - however they made a mistake and instead of doing an upgrade they did the order as a new phone contract and O2 are now refusing to transfer the existing number over. the existing number is out of contract. again O2 Referred them to CPW as they are point of sale. Am i going mad here, O2 are the service provider and doing the billing and therefore are jointly responsible for dealing with issues? O2 said we can cancel under the cooling off period and then do a new contract. are they serious? if that was the case, i would not go back to CPW or O2 as both have let us down.

Hi on the 3/4/13 i went onto a payment meter i owed £115.22 which i was told would be added to the new meter as a debt and collected at £6 PW but actuly only £75.22 was added (only found all this out today after another phone call) i begain paying my gas on the card as normal topping up over the weeks months now 15months after this im messing around with the meter press the button and it tells me i still owe £57.35 i phone and say whats going on to be told we very sorry we have been chargeing £6 weekly for a debt and you have actuly over paid by £244.76 we are sorry we will send you a cheque out and send an engineer to fix the meter. at this point i had £39 credit on the meter the engineer turns up as planned i explain what happened and he says no problem il fix it resets the meter and my credits wiped out they cant put it back surprise now im 40quid down im on the phone the engineer then tells me your going to have a nightmare. they send me to a vender to collect a new card and reinburse me my 40credit when i get to the shop they sent me to it dont even sell gas back on the phone they give me a rti code to give a different shop i drive there surprise the code isnt valid another code another agent who tell me i dont know why they give you that code il send you a new card out and a message to the shop. card turns up 2days later puts it in the meter and its refused phones back up told to get a card from another shop this card regestired ok phone back asks for my 40 credit im told i have to top up 5x b4 it goes on even though they owe me i have to top up back to the shop tops up 5x still no credit phones back told to top up every day which ive done for 5 days now today after still not getting my money back i phone back and explain it all again and ask to just speak to a supervisor as ive had enough of driving from shop to shop and not getting nowhere after 35mins of ask to be put thru to the supervisor the agents arguing they finally tell me someone will phone me back. 2hrs later and they phone back i tell the supervisor whats happened and hes very helpfull and tells me i should get it on my next top up ok im happy with that i ask him to confirm my cheques been sent out what cheque!!! he looks ok heres the tricky bit im now told from last year they added only £75.22 we dont know why we done this i continued to make payments and then after 5months even though the debt was £49 short they credited me £238.06 they also dont know why they did this i still continue topping up now i have no credit and i owe them £114 only £2 under the original debt after 15months its their errors that they made not mine surly as its there error it should go in my favour should it not???? i think they should write the debt off for all the running around and their errors any input where i stand please

Hi All, Slightly odd question, have looked though the forum but cant seem to find anything on it. if the data provided to 3rd parties about you by your credit card company is factually incorrect, are they in breach of the DPA or CCA, If so do you know what section? Also who is responsible for ensuring the accruacy of the data displayed on the CRA, the supplier or the CRA? Ross

Hello, first time poster looking for some advice. I have been issued with a FP notice with a few notable errors (see attached images). Firstly, I have been given the police copy of the notice. This copy has no mention of how long I have to pay or where to make payment. Secondly, my name has been written against the officers full name label. Can anyone who knows more about FP notices tell me whether this FP is enforceable? [ATTACH=CONFIG]48731[/ATTACH][ATTACH=CONFIG]48730[/ATTACH]

Hi Everyone! This is my first post but i have been perusing since my own bailiff visit 2 weeks ago. The short version: 2 weeks ago they came knocking, I paid the council directly the next day, the bailiff wasnt happy... ..I then called rossendales to see what was left on the accound and there was £15 to pay.. ...so i waited until i received their letter dated 14th August. ...and it said please make payment with the next sevendays so wecan close our file... ...so this gives me until tomorrow to pay? Well they came again today and i gave them £105 just to get rid, i was panicking and very distressed and i have twin babies and a 4 year old crying :/ So the amount was for £15 pound and then the £24 levy fee and £60 pound van fee. ...he levied my partners car, the bbq in the garden and the table and chairs. ..i didnt let him in. They said they needed proof that the car wasnt mine, and i have since read that this is not my obligation at all... .Im pretty sure that they cannot levy on fees? The council said i had paid them in full. Im thinking of writing to the government ombudsmen.... .I receive council tax benefit and housing benefit as my partner has a low wage and i am self emplyed not earning a lot.. Will this go in my favour. What should I do? Any advice greatly recieved ...Apologies i have a rubbish keyboard and Twins hence the quickness of this post so i hope it makes sense. Im going to call the council tom and get a receipt for my payment.. .surely if its paid in full they have to include the fees? Surely also the bailiffs should have tried to get this £15 under a separate order? Thanks in advance

Hi All, Looking for a little advice regarding some communication from Buchanan Clark & Wells over the past couple of days. I've got a couple of debts with them for EDF Energy (Gas & Electricity) for less than £400 and £250 respectively. They sent me two letters dated 23/01/2012 stating that I could settle each account for a payment of £1 (Specifically the line "As such and without prejudice, we will accept £1.00 in full and final settlement of this account.") I am only paying £1 per month for each account, and for the amount outstanding, it didn't seem all that outlandish that they may want to just get rid of the accounts (they are a couple of years old now). I rang them today to accept the offer, but was told that the letters were a mistake and the real settlement figures were about £100 less the balance for each account. I then received my post for the day and got two more letters dated 27/01/2012 stating that the other letter was incorrect due to an "administrative error". It seems to me that if this sort of activity is acceptable, debt collection agencies could send similar letters out to gain contact. Can I accept the first offer as written and force them to accept the payment, or is the second letter stating it was a mistake enough to get them off the hook? Even if I am still liable to pay the remaining balance, is this something worth reporting? Many thanks for your time!

In looking to change my direct debit date for my Hire Purchase for my car I have come across a couple of errors and would like advice as to where I stand. 1. The Goods listed (the car) is not the make and model that is outside my house, however the VIN does correspond. 2. Where they have calculated the amount of credit, the deposit I paid has not been taken into consideration, it has not been deducted from the cash price. Where do I stand in terms of this agreement? Is it enforceable? Could I terminate it without having to pay anymore? I have only paid 3030.68, just under a quarter of the total payable. I bought the car in May 2010. Thanks

Recently, having received a British Gas statement of account for gas showing a large account credit - we are on a monthly payment plan - I enquired about getting a refund, for which a meter reading was requested. I was then contacted by a BG 'energy expert' who queried the lack of similarity between the meter reading I submitted and previous quarterly readings. It turned out after investigation and an exchange of emails with the BG 'energy expert' that owing to a "...system error..." admitted to by the 'expert', all my previous readings had been truncated on the last digit so that, e.g., 02307 units was recorded in the system as 230, and the same may also be true of a BG estimate that followed a change of meter last August, as that turned out to be particularly low. The result of the accumulated errors in our gas consumption record, and the subsequent correction in the account using the correct value of my last meter reading, is that the account is now in arrears to a sum greater than the previously reported credit, and BG are now requesting a monthly payment more than double the current one - which we can ill afford to pay. BG have apologised but is that as good as it is going to get? Is there any other means of redress given that it is their system errors that have landed us in this situation? trapp1st