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  1. Having lost a few registration marks to DVLA over the years. I wondered if anyone has ever lost a registration mark which made their car worthless as the DVLA did not affix another. This was a valuable classic car some years ago. I am also looking at the legal power of the DVLA. What they can and can't do legally. Thank you
  2. It's a few years since I was in trouble with debts, and on a much more even keel these days. Or to put it another way, all my previous woes have long since dropped off the bottom of my credit history (ie 6 years). Recently in applying for financial products (mainly mortgages), I noticed they ask the expected questions about bankruptcy, credit defaults and even simply making special arrangements with a creditor. So far so obvious. What bothered me was they ask if you have "ever" had/done any of these. To which my answer would be "not in the past 6 years" if I were being truthful, and I believe is the extent of their entitlement to information. But I really don't want to get into that, so I've just lied and said no. What bothers me is of course that I'm then signing a legal document which contains a lie, and that if I were to refuse to answer the question, I wouldn't get the mortgage. I wonder if they are allowed to ask that question in the first place, or if you can still be penalised for refusing to answer it fully?
  3. MOD launches biggest ever mental health awareness week with new confidential support for personnel on operations READ MORE HERE: https://www.gov.uk/government/news/mod-launches-biggest-ever-mental-health-awareness-week-with-new-confidential-support-for-personnel-on-operations
  4. 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) ?
  5. Hi there For nearly 2 years I have had a complaint about my mortgage company with the FOS. My mortgage company were preffered, then accenden and now engage- (although I settled the mortgage on April 2011.) My complaint was mainly: In 2009 after being made redundant I fell into arrears, 3 months worth. I made an arrangement with them and was told as long as I stuck to the arrangement no further action would taken. some months later I checked my credit profile on Experian and they had marked my mortgage account as being in default. I was never sent a notice of default so had no knowledge of this. Also I had asked to capitilise the arrears but I was told that as I was in a fixed period it would not be possible to do this until fixed period ended. Also they were heavy handed with the charges on my account. Today I have received a letter saying they ombusman have made their final decision and that the agree the default should stay in place. They say I was offered the chance to capitilise the arrears but I declined, (why would I do this??) They say engage have "notes" to prove this but this is a blatant lie. They agree the charges were high and have award some refunds, about £500 and 8% interest. I ended up selling the house because the situation was making me depressed and I now rent but it seems I have to now spend another 3 years waiting for this default to drop off the account. I feel let down by the FOS for just accepting what this suspious company say. I have 2 options, I accept the decision, take the money-(assuming I get it!) or I reject the decision and fight through the civil court. I'm looking for advice on what I should do? My heart tells me to just take the money and move on but I'm so angry it just doesnt feel right. Furthermore even though this was settled in full in april 2011 they still havent updated my credit file to reflect this, I have asked several times. Any advice greatly appreciated. Thanks.
  6. First ever memorial to African and Caribbean Service Personnel unveiled in Brixton. READ MORE HERE: https://www.gov.uk/government/news/first-ever-memorial-to-african-and-caribbean-service-personnel-unveiled-in-brixton
  7. Those comedy golden days of on the buses, love thy neighbour and in sickness and in health..
  8. This Bank has given me no letters to say that I am overdrawn and ive had no defaults at all. I have only had good experiences with them on my basic account. bankers4me
  9. Is something happening that we do not know about. Three people i know have said,one in Yorkshire and 2 in Lancashire who do not communicate with each other have heard strange unexplained noises from the sky. A loud humming,whining noise. Rumbling,not storms in the distance.Not tinnitus,going on for ages.A mixture of sounds. Are we chasing UFOS about perhaps.You cannot pinpoint it,it is everywhere it seems. I had better leave it there or else you may send the people with white coats to my house. Just wondering.
  10. I am not going to name names. I just read of one MP who claimed a Large amount for tidying up their constituency home and garden. Then votes for a cut in ESA of 30.00 a week. I am neutral but feel free to have a look around at MPS expenses in your Town,City,Vllage,Hamlet. For whatever year you would like to see. Does it matter that much whether the woodwork has six coats of Chelsea Blue paint or Postbox Red or whatever coulour you like. Or whether the grass,flowers look like Chelsea flower show or a bowling green. And all the rest you can think about. Aggregated Annual Expenditure by MP In addition to publishing data on the individual claims for MPs every two months, we also publish a summary of all these claims once a year. We also include some additional information, such as the salaries of MPs and their connected parties and details of reward and recognition payments made to staff. From 2013-14 onwards, we are also publishing the maximum budgets available to each MP. The business costs MPs are entitled to claim are separated into different budgets: http://www.parliamentary-standards.org.uk/AnnualisedData.aspx
  11. Hi Guys, Please can somone offer any advice to a County Court Claim form received from Northampton County Court. P.O.C stating :- The claimant is the assignee of a debt from HBOS Card ref number XXXX Notice of assignment having been given to the defendant in writing. Despite demands for payment XXXX remains due. The claimant claims XXXX and interest under s.69 County Courts Act 1984 and costs. Not sure if Carbooters still monitor the forums so I don't want to reveal too much info, but originally I batted them away some time ago when they first contacted me in 2008 informing me that they had "bought" the account. The account in question was put into dispute with BOS over charges in 2006, and had not been resolved from then. I requested from Cabot then copies of credit agreement and enclosed the required fee, that was duly returned to me uncashed - I still have this. It took them 2 months and 2 weeks to contact me with a photocopy of my application form bearing my signature and a photocopy of the T's and C's. Also included were copies of my acount transactions on unheaded paper not showing which bank etc it related to etc. I also recieved a letter from Halifax telling me that they have given me notice of assignment in respect to the balance due. The strange thing was to me it did not look correct as the X in the Halifax logo was black and all letters that I had dealing with them - the logo was blue. Also as with all business letters from banks and these institutions, there is normally an address to respond to or phone number. On this letter it was signed by a "Euan McPherson" no other contact details. I decided to keep the letter anyway because something did not sit right with it! Fast forward and so I started to get a million phone calls each day from Cabots, these I batted away because a) I don't like them b) they were threatening and rude c) I had a hard enough time trying to stay afloat with redundacy looming. Fast forward to 2010 and after constant phone calls, one day I inadvertantly made a token payment to them, I guess it was my moment of weakness - they kept bugging me - some may know what it's like! - but then I re-read the forums here and realised that I may had been duped by them! I decided from then not to talk to them - I issued them with a Telephone Harrasment letter and ignored all calls. Soon everything stopped - until I started getting letters from their Solicitors - threating courts etc. I recieved the court papers this month and simply acknowledged the claim online. I now have some time to defend myself - so here goes and also so that I am clear and not missing anything :- a) What papers do I request from them and under which CPR do I need ? b) Do they have legal claim ? - I refer to this as I did not recieve a copy of the Deed of Assignment from HBOS to Cabot, which raises my point about the colour of the logo on the LOA that I do have. Would this be genuine? c) Statements sent could be from anywhere bank or could be reconstituted. They have not mentioned this in POC? d) Are they allowed to claim interest on this ? My credit file has two entries now for the same debt. Is this possible or can one be removed? I acknowledged the papers to give myself time to think and construct a good defence to get this struck out so any help that can be given would be greatly appreciated.
  12. Just heard a horse won the grand national. What ever next. Lol..
  13. 1. 123456 2. password 3. 12345678 4. qwerty 5. 12345 6. 123456789 7. football 8. 1234 9. 1234567 10. baseball 11. welcome 12. 1234567890 13. abc123 14. 111111 15. 1qaz2wsx 16. dragon 17. master 18. monkey 19. letmein 20. login 21. princess 22. qwertyuiop 23. solo 24. passw0rd 25. starwars If you recognize any of those passwords as one of yours – shame on you. Learn your lesson and change your password immediately. Passwords like these are effectively worthless. You might think you’re clever choosing a password like ‘1qaz2wsx’ (take a close look at your keyboard if you want to know where that one came from) or ‘starwars’ but it’s clear that plenty of people had the same idea as you. And don’t feel too smug if your password isn’t on this list. The fact is that hackers and password crackers have access to databases of *millions* of the most commonly used passwords – meaning that unless you have taken care creating your password, chances are that it won’t take an enormous effort to crack it. http://www.hotforsecurity.com/blog/these-are-the-25-worst-passwords-you-could-ever-choose-13286.html
  14. http://www.express.co.uk/news/uk/630389/Worst-parking-car-space-Range-Rover-driver?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+daily-express-uk-news+%28Daily+Express+%3A%3A+UK+Feed%29 The PPC managing the car park some how failed to prevent this inconsiderate parking with their ANPR cameras... *not my words.
  15. Yesterday I received a claim form from Cabot regarding a disputed account I had with British Credit Trust. It was regarding an alleged outstanding amount of just over £1300 which I believe is made up of mostly late payment fees and charges. I have previously asked BCT of a complete breakdown of charges added, what they were for and dates when they were charged but had no response. I don’t recall receiving a letter of assignment or anything at all from Cabot regarding this account, until I received the claim form yesterday. I do intend to defend. Details on the form are as follows: Claimant: Cabot Financial UK Date Of Issue: 18 Sept 2014 POC: By an agreement between British Credit Trust ("BCT") & the defendant on or around 01/08/2007 ("the agreement") BCT agreed to loan the defendant monies under the terms and conditions set out therein. In breach of the Agreement the defendant did not pay the instalments as they fell due and the Agreement was terminated. The Agreement was assigned to the Claimant on 26/09/2013. THE CLAIMANT THEREFORE CLAIMS £1338.72 Value of claim : Amount claimed - £1338.72 Court Fee - £70 Solicitors costs £80 Total Amount £1488.72 The account was for a car loan on HP with British Credit Trust Original agreement was dated 06/08/2007 Debt purchaser (presumably) has issued the claim - I was not aware the account has been assigned I am not sure whether I received a default notice from BCT - I cannot remember receiving one and if I did I certainly don't have it anymore. I have not received any Notice of Default Sums from anyone. When I lost my job in April 2011 I started to miss payments. I contacted BCT at that time but they would not take lesser payments and I could not afford to keep up full repayments. I paid what I could when I could, eventually telling them I could no longer afford the car and as I had paid over 3/4 of the loan I was within my rights to return the car so I told them to collect the car At this time I also asked for a breakdown of charges added to the account. I remember receiving a list of amounts at that time but not dates, amount charged and what it was for. This was and still is in dispute. I heard nothing from BCT after this (around Oct 2011) Who do I contact for CCA request - Cabot or BCT? I will send a CPR31.14 request to Cabot. In the meantime what should I do about the claim regarding acknowledgement. As I believe a substantial part of what Cabot is claiming is made up of charges and fees can anyone offer advice on a defence? Thanks in advance.
  17. Our worst car buying experience ever - horrendous! I cannot underestimate how shocked we were at how Bullitt Cars in North London refused to refund us our money when we rejected a faulty car. We bought a car for over £12,000 and the first time it rained it was clear that the roof was leaking. We returned the car to reject it as is our right under the Sales of Goods Act 1979 as it was not fit for purpose and they refused to refund us our money. They then drove and fixed the car without our permission and attempted to force us to pick the car up by charging us £30 a day storage. The police were contacted who notified them they were acting outside the law but they continued on with the same threat. They refused to tell us what work had been done on the car or who did the work. We even offered to sell it back at a loss but their counter offer was for us to lose over £1,000. When told we were going to inform other consumers about them they threatened to sue us for libel if we posted bad feedback unless it was done after we won a court case against them. We are shocked and appalled that a Bullitt Cars could act in this way and it is experiences like these that we feel make people wary of buying from dodgy car dealers.
  18. Good Morning All, My dad took out a couple of loans and credit cards in the early 1990s with TSB (Later part of Lloyds). He was advised at the time that he could not take out the products unless he also took out PPI. He did not need the PPI as at the time he had a very good job which had an excellent sick pay/redundancy policy. He recently tried to claim this PPI back through a claim company. The claim company were eventually sent a Data Subject Access Request showing basic details of the accounts my Dad held with the TSB. Lloyds (TSB) claim that my Dad did not have PPI on any of the loans or credit cards. He knows that he did but has no way of proving otherwise. The Loans and CCs were taken out so long ago he has no proof. The claim company have since sent him a letter along with a copy of the DSAR stating that they have rescinded their contract with him. My first question is this, where does my dad go from here. He knows he was mis-sold PPI but has no way of proving this. Secondly, If there is a way of proceeding and he was successful in his claim, can the Claim company demand any of this money from him? Thank you so very much to anyone that takes the time to respond to this post. My Dad and I will be most grateful for any advice.
  19. So essentially, I'm just going to provide a little bit of background information and then I'll get to the question at hand. I'm a University graduate with a 2:1 honors degree in Web Systems and Development (i.e. A Web Developer). I finished University in 2013, I worked up until July 2014 and have been out of work since that time, I have had freelance jobs here and there to help me along the way, but essentially, I have been out of full-time employment since July 2014. Without trying to toot my own horn here, I'm portraying this across to simply imply, I have a lot of qualifications and I have a fair amount of job experience, I have worked with over 5 individual clients, had jobs with 3 different people (from July 2013 - July 2014), so it's not as if I'm in short supply there either. So to get onto the actual topic. I've been on JSA since July 2014, but recently when I went to sign on, one of the advisors there informed me that because I had been on JSA for 12-months, I am now being transferred to "The Work Programme", she didn't tell me much about it, nor did the person who I had my interview regarding the appointment to set-up TWP interview. The sad thing that I happen to see reoccurring all the time is that, The Work Programme is a pile of crap, essentially. I have read no good stories about TWP, no advantageous results of being on TWP, it just seems like it is a gigantic waste of my time and it's going to be more hassle than it's worth. So I guess my question is this, typically what does TWP entail? Has there been any benefits of being on TWP and as someone with a heavy Computing background, will that help me with TWP. I've read that despite your qualifications, you are usually thrown into retail work (shops or whatever) just stacking shelves for 2-4 weeks, you then have a 2 week gap and then you're back on the next job, rinse and repeat until you eventually get a job out of it. I just don't really see how I or anyone else currently on this programme can take it seriously knowing that you're going to be in a place surrounded by other full time employees knowing that they are getting paid minimum wage while you're there working for close to £1.2 p/h? It just doesn't make sense to me. If anyone could fill me in, help me understand this a little bit more, that would be great.
  20. Step son now staying with us had to have mental health team intervention about 12 weeks ago claims to have had benefit forms filled in by MIND who he was referred to, and which he posted himself, had no acknowledgement of claim or anything from dwp. I unfortunately don't believe him ( I hope im wrong) but going on his past ie. going to job centre and refusing to go on courses hence no JSA. My question basically is do the DWP acknowledge claims and does it normally take this long for a claim to be considered when a "fitness to work" note is provided. Ive read a lot of the posts this am but not been able to find one which covers this guidance and help would be appreciated.
  21. Hi I'm desperate for some advice. Since 2010 my dad has took the finance out for me due to bad credit history. We've had 3 VW, 2 Toyotas and now a Honda. Toyota have financed the last 2 cars and the Honda we have now. We've always been upfront with the dealer. the 2 Toyotas came from the same dealer and we told them that I couldn't get finance so they asked if someone else could and my dad agreed and when we went for the Honda I to,d them as well and they also suggested I get someone so I did and my dad agreed again. Today I've found out it's illegal. I was talking to Toyota Finance due to a issue with the Honda and mentioned my dad had the finance and I drove the car and it was registered in my hisbands name and kept at our address. She said Toyota don't allow this..I told her the 2 dealers have never said a thing about it not being allowed. I've told my dad and he's shocked and said if it was fraud he'd never have agreed to finance the cars. What is likely to happen. We are looking to sell the car anyway but I'm worried they think my dad has committed fraud. It was the dealer who suggested it. Why would they do this if it was fraud.
  22. Cut finances and resources to the NHS, create a backlog of patients, then get a private company to clear the backlog.... Private company then looks to be the solution and way forward for the NHS! Interestingly, some of the private companies who are taking NHS work have already been criticised by the Care Quality Commission. Further reading here: http://www.theguardian.com/society/2015/mar/12/nhs-agrees-largest-ever-privatisation-deal-to-tackle-backlog?CMP=share_btn_fb The NHS should never ever be privatised.
  23. [ATTACH]56320[/ATTACH] Response received today to my second complaint regarding unlawful data processing. First complaint completely ignored! Vodaphone must like court claims
  24. Ofgem has ordered Spark Energy to pay £250,000 to Citizens Advice for 14 breaches of relevant conditions and requirements. These include: Refusing to allow customers to switch. Switching other customers without their knowledge Billing errors Failing to refund customers in credit Failing to notify customers of increases failure to provide accurate direct debit calculations. failure to deal with complaints properly Spark Energy are so bad they make Npower look almost professional http://www.bbc.co.uk/news/uk-scotland-scotland-business-31490466 Notice of Intention to Impose a Financial Penalty on Spark Energy 16 February 2015
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