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  1. Hi everyone, I am a single parent of 2 children (2 years and 2 months old) which I take to the park every week. I don't have a lot of money but still I go to and pay for parking every week in the same place (Willen lake in Milton Keynes). What happened on this occasion is that after I placed the ticket on the dashboard, I then had to get both my children out as well as the push chairs and so on out of the boot. Whilst doing that the ticket must have been blown over on to the seat as it was a windy day. When I got back I found the ticket upright on my seat after returning to the vehic
  2. Hi All, I recently had my car breakdown and after being diagnosed by the AA as a fault that needed a garage to repair it the car was recovered to a local AUDI main dealer thinking i would be in safe hands. They diagnosed the car with a sensor fault to begin with and they replaced that at a cost of just under £500 including fault diagnosis, however, this never fixed the fault they said and the car still had the original fault. So they carried out futher tests and then told me after 14 days that the car and a major ECU fault that would cost at least an additional £1500 + vat and 8 weeks to
  3. Hoping this is the correct forum so apologise if not. After a good two years being ill I managed to get a job starting last January at a local SEN school as a Teaching Assistant. Upon calling me with the news the Head told me not to get too excited as it was only until July. A few days after I started I was conversing with the HR Head about something else when I mentioned to her about this Fixed Term Contract. She told me that I was on a Permanent Contract so I assumed that the 6 months the Head was talking about was the 3 then 6 months probation. Got through 3 months fine but
  4. Hi All, I have been issued a FPN for spitting on a bush inside the land from where the Street is around 10 feet away in Hounslow. The foremost thing is , I am not aware of this offence at all. i DONT SEE ANY NO SPITING SIGN BOARD ANYWAY INSIDE OR OUTSIDE the land. There is an office in that land . When I came out of the premises I felt some saliva struck inside throat and before enter into street ,I spitted on the bush grown in front of premises. Oh suddenly I saw an officer came running towards me and started to say I committed an offence as spitting on bush which has been
  5. Hi there, My Brother In Law has just discovered that his bank had fixed his Mortgage for 5 years at 3.89% without his consent. He has demanded to see the signed document the bank could not produce the signed contract he has been into branch and seen on the computer also that the contract is not signed in the signature box. What should he do in this situation? Any help would be much appreciated. Thanks
  6. Hi, thought I'd see if I could find any useful advice here. I'm very anxious so any good pointers much appreciated! I'll keep it as brief as I can: I'm a one-man IT dept for a medium size organisation - permanent position that has risen in seniority over 12 years. My line manager is proposing a reorganisation that will end my current role and replace it with an extremely similar role on a 2-year fixed term contract. Redundancy is an option, and I am unsure as yet if 'they' are keen for me to take it, or take the new role. I want to stay on, and I believe the new role is precisely my
  7. Can the terms of a repayment mortgage contract that was a fixed rate for 5 yrs be altered during the 5 yr fixed term to a SVR? Does a fixed rate mean the amount to pay each month would remain the same for the 5 year term and not go up or down? Would that be a breach of contract if it's altered? Is it lawful? When mortgage interest is charged daily, how would that appear on a mortgage statement, each month or once a year? Thanks
  8. Hi there I am 41 months into a 48 month standard HP agreement. I paid by DD on the nose every month until around the 30 month time, when I became unemployed (no PPI by the way). Since then I have failed to make some payments on time, but NEVER have been more than 30 days late. I'm no angel this I realise but as I type this at least i'm up to date. Every time I fail to make a payment a DN comes out etc etc but I always pay up. As I have 7 months left to pay and my payments are £400 (but the last payment is £550) I should have 6 x 400 plus 1 x 550 or £2950 lef
  9. How to fight / complain about a council Norwich city council / Norfolk county council (both names on letters) that you believe are idiots and or committing fraud Actually in credit (£35) with rent account and council tax as we pay shortfall ourselves... but I'm a carer for 1 of 2 of my autistic daughters and my missus works for fixed salary with no chance of overtime ever.. so you'd think h/b and c/t benefit would be fixed. Not a chance when missus worked 5 days a week we got around £10 per week h/b, now same job but 3 days only, as original job holder has come back from maternity.
  10. Hi all, Last Friday I was taken by a surprise to have received a 'Conditional Offer of fixed penalty' from Met police for the alleged offence. Use of a motor vehicle with tyre with any of the ply/cord exposed. Now the reason I was taken by surprise is because I had no knowledge of it but car and details are mine. I can prove that I was not even in the country so it could not have been me. the date is early November 2016 and speaking with close family, It dawned upon me that my cousin who holds a provisional licence took that car on that day and when stopped used my details. Now
  11. Am I correct that the prescribed terms for a fixed sum variable rate consumer credit act agreement is: a amount of credit b interest rate c amount of payment Credit £25,000 Interest £9.319,57 applied at 4.5% above banks base rate 5% payments £408.68 x 84 Theres no total amount payable as this could alter due to an interest change throughout the time of the agreement. However, the amount of credit plus the interest applied to the credit do NOT equal the initial monthly payment? £25,000 plus £9.319.57 = £34,319.57 divide by 84 payments = £408.56 This pa
  12. I have received a fix penalty notice for depositing a cigarette end out of my car window. I have attached the evidence they have presented to me which I had as being the registered keeper. The ironic thing is I dont smoke and have not done for 4 years (I now vape instead) I wish to challange the ticket and I have attached photos of the paper work I have had. I notice there is also an error on the ticket with the date of issue being October instead of december. I am seeking some advice please. Many Thanks
  13. Hello all, In 2010 we had a CCJ granted against us for an unpaid invoice. It was for £5200 and we accepted the amount. The creditor secured a charging order for the amount. We wrote to the creditor in 2014 and were advised the outstanding amount was £4300. The creditor sent us a statement at that point which showed that prior to lodging the claim with the courts they had added £600 to the account for recoverable fixed costs. We did not know about this £600 figure until 4 years after the CCJ and charging order. We are now in a position to clear the debt of £4300. We wrote t
  14. Dear all A current AST comes to an end on a property on the 17th August. When my agent enquired whether the tenants would like to renew, they told him they were splitting up. On this basis my agent advised issuing a S21 as he was concerned about affordability. The tenants are an unmarried couple with three children. One of the current tenants (male) is now starting treatment for a serious condition and now the partner of the sick tenant has texted me offering me 6 months rent upfront to stay when the AST ends as she says that they are working on getting back together and don't wan
  15. Hi there guys, On a nice Sunday morning en route to work I was cycling on a designated two-way cycling path which runs along the main road in London. However after one point there was a ROAD CLOSED sign on the main road right after crossroad with traffic lights which I obeyed. Some people were cutting trees or doing some other maintenance. There was red CYCLISTS DISMOUNT sign on the SIDEWALK on which I DIDN'T go, instead staying in the cyclist lane. On the cyclist path there was a lorry parked which was taking 80% of the cyclist path but still enough space for me to go trough. I slow
  16. Hi all, We need your advice a Parking Ticket. Received FCN attached to Windscreen on 10th July 2016 at Willen Lake Car Park, Milton Keynes. Parking company is Napier Parking Reason for issue: Failure to Display a ticket The Driver had Bought Ticket and displayed it on dashboard, then went for a bike ride. The Driver opened the driver door and the ticket blew into the passenger side door pocket. The ticket was still valid at time of the FCN and had 2 hours remaining. The Driver did not appeal Napier Parking after reading various cases on CAG and wanted to wait for the
  17. Hello Caggers, I have been having a discussion with Barclaycard because I noted, in May 2016, that the period between the date my bill was issued and the date my payment was due had been shorted by several days. This very nearly caught me out as the payment is had always before and since (I now realise) been due on the 15th working day of the month. In May it was "due" on 11th working day of the month. I had a look on their website, it says: "Your payment date is fixed to a particular working day of the month...". I take that to mean it is fixed - in my case to
  18. Hi and thank you for reading my concern with Scottish Power I have recently come to the end of my 12 mth fixed term contract and found a cheaper supplier when i informed scottish power they took an extra £60 from my account for the last months payment and then informed me I was £258 in debt even though over the last 10 months they had reduced my payment by £15 I informed them I was £150 worse off because of them and they have offered me £60 off my debt because `i managed to cancel my DD before they could get their hands on the final amount.. .Good job really as I pointed out
  19. To cut a long story short, my car broke down 4 weeks ago. Took it to my local garage who, after 3 days, diagnosed burnt exhaust valves. This shoudl take less than a week to fix and put back together. However they still have the car, in bits, after making various excuses about things going wrong, the latest one today is they need to take the head back off and send it to a machineing shop for some more work, and I 'should' have it back early next week. This will be over a month since I first took it to them. I've completely lost confidence now in their ability to
  20. Hi everyone I need some of your expert help please, so here goes. My hubby was standing chatting while in town, he had a cigarette and when finished smoking it stubbed it out and put it in his pocket. Seconds latter a environment officer issued him with a fixed penalty of £75.00, Hubby asked why, he replied I have just seen you throw the cigarette over the fence. My hubby replied I didn't here it is, and showed him the stub The officer replied I have you on camera, but would not show the footage. We have written an appeal letter stating all the above, What can we do next or what will
  21. Hi, I just had a Fixed Penalty Notice (fine) for dropping g a cigarette end on the floor and quite rightly so. So I'm not disputing the fine at all. When I came home looked on the Councils Website, it clearly states: I then logged in, attempted to pay and voila.. It asked for £80... I contacted the Council and asked to speak to the team which deals with this to get the correct amount put on (as I received the fine today) and was told that I wasn't able to speak to them. I explained about the website, they confirmed this; Her manager confirmed too that the site inde
  22. Hi everyone, newbie here needs some advice, i received fixed penalty from the police for being parked on dyl, i stay in a village actually its two villages that are joined, muirhead and birkhill, on the fixed penalty it says my car was seen in edward pl, birkhill, where it was edward place, muirhead , is this enough to cancel the ticket , thank you in advance, boab.
  23. Hi, i was speeding on the motorway and wish t plead guilty and pay the appropriate £100 fine and take the 3 points. I have been waiting for the [/b]conditional offer of a fixed penalty notice[/b] It never came on the post?! Then I receive a postal requisition to be heard in court. Can I not contact NYP and state that i did not receive the offer of a fixed penalty notice? surely this is unfair to go straight to court if I haven't received the offer to pay via the fixed penalty notice. Any tips or forms or letters i can send as my response guys would be most appreciate
  24. Hi I'll break it down as I have a few queries. SITUATION On 3/12/2013 I signed a Subject to Contract form at the letting agents, and paid the deposit, first months rent etc before moving in on 6th January 2014 on a 6 month AST. at the end it then rolled onto a periodic rental, which I then signed up for 12 months fixed contract in December 2014. I received a leaflet called "What is the Tenancy Deposit Scheme" and in my tenancy contract it says "It is protected by the following scheme - The Dispute Service www.tds.gb.com" I do not hold any further information on the de
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