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  1. Hi, I have received a letter from TFL for failing to produce a valid ticket, pass or photocard for my journey the London Underground. have asked for my side of the story and have been advised that legal proceedings may be taken against me. What happened is that I was on the tube then an inspector came on and I gave him the Oyster card that I had used for the journey. He scanned it and asked to see the railcard attached so I gave him my student railcard. He then told me that there is a greater discount on the card and asked if I have another railcard. I said that I don't.
  2. Hi I received a PCN from a Free! carpark some time ago.. 4 hours free then pay. I received no letters from UKCPM about a fine nor do i know what it was for . . I then get a letter from Gladstones saying Pay £160 else court action. I 'forgot about it'. Next i get a court letter which turned up at my address late , saying £273 to pay with response within 14 days else action will be taken. Ok this one i genuinely did forget about, i emailed them stating the letter was late and i forgot to take action due to work commitments and stress. Next thing i know i have a CCJ on my
  3. Hi. Parked at a Southern railway rail station today and used the phone number to pay the daily charge . I had used it before but with a different car and the system recognised my phone number did a fast track to payment confirmation . I didn't spot that the registration number quoted by their system was not that of the car I was using today (lot of background noise in the car park). There was a penalty notice issued by Indigo when I returned. What are the chances of success if I appeal? I can prove that I own both cars and that the one for whom they issued the ticket
  4. Earlier in January a work colleague of mine who took my vehicle out for a lunch break got me into a bit of a trouble as I found out he had gone to park illegally in a private residence in the city of Edinburgh. The letter from the parking Company, a parking charge notice stated emphatically 'to keeper', they wanted to know the driver and I guess at this point I should have hesitated a bit, I wrote to the parking Company giving them the name of my colleague and asked them to address him with any further issues, I did sign the letter to that effect. I was even more shocked that DVLA could e
  5. Hi all, I have a lovely friend who made a naive mistake two weeks ago - she received a phone call from a 'very believable' fraudster who asked her for some info about her bank card to 'pass security', etc. Ultimately, on the Monday she lost £350. Even though she contacted her bank on the Monday, they are refusing to reimburse her. Please can I ask if she has any avenue to go down on this? Thank you.
  6. 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) ?
  7. Hi Everyone, I really need some help and advise with an issue that I currently have with N Power please. My partner and I used to rent a small one bedroomed flat, which we moved out of in August of this year and everything was electric, we had no gas at the property. Whilst we lived there all bills made to N Power were made on time and yes they were always high but we just assumed this was normal. On the 14th February 2017 we received a bill from them telling us that our monthly payment has decreased from £94 per month to £21 per month and they also refunded us £559.57 b
  8. Hi, My girlfriend has been working for an NHS Trust since March 2017, before which she was working with another trust since October 2016 (and has 10 years of service but not concurrent). However, the 3 to 4 years preceding this, she has been living abroad. She had to take sick leave last month due to accepting a (short notice) date for a major operation. The day she was offered the date for the op, she went to the HR dept and spoke with one of the officers, who informed her that she was entitled to full sickness pay for six months based on the fact that she had 10 years and more of serv
  9. I have a problem. I gave the wrong bank details to a company to pay me for work and they have paid the wrong account. There was a single typo in the details with the account number. I realised the mistake almost immediately and contacted the company but they had already paid into the wrong account by faster payment. How do I get my money?
  10. Hi All, I am a company car driver and I think I've made the fatal mistake of giving PPS my name and address. Long story short: Parked at the Crossways Shopping centre in Paignton and as I had been ill with a stomach bug through the night when I arrived, I was physically ill again (and took a few minutes to gather myself) before I purchased a ticket. They have a photo showing I arrived at 11.24:39 and I have a ticket, valid until 13.43, purchased at 11.43, therefore a period of 19 minutes elapsed between me arriving and buying a ticket. They have stated that t
  11. Hi, I was taken to Court by NPower about 2 years ago for a utilities debt of around £750.00, i was allowed to pay it off in 3 monthly payments which i did, a couple of months ago i got a letter and a refund of £282.00 and an apology for the delay in spotting that i had been overcharged. the annoying thing is, that if the original debt had been £282.00 less i could have borrowed the money to pay it off and avoid getting a CCJ. Can a CCJ be removed if the company later realises they made a mistake? thanks
  12. Hi Everyone.....it's my first post here, I hope someone can give me a little bit of advice Yesterday lunchtime there was a huge knock on my door, answered the door and was greeted by what looked like 2 police officers (all in black, stab proof vests, walkie talkie) - my heart was in my mouth. They asked to speak with my husband (who wasn't in). They showed a badge and advised they were enforcement agents from the court to collect a debt for an unpaid council parking charge from 2014. Total amount owed £422. One of them radio'd to someone to tell them "st
  13. Banking Error Gave Young Lady 4.6 Million Overdraft-What Would You Do? Could you be tempted to spend some. Lose your battle between the Devil telling you to get stuck in and go for it. Or the angel of reason telling you to go into the bank and say i think you have made a slight mistake. As you read this story and perhaps watch the video what is your brain telling you. Would you be planning to lash out,travel the world,take a chance. Where would you go or do,could you be tempted. Or plan to catch the bus or walk to town if no funds to tell them Oh dear what is this on my state
  14. Hi Again, I'm still struggling with Accord mortgages over a shortfall from them selling the property for half of what was paid 9 years ago. My ex did a deal recently so I'm left with my half of the debt. I've made a small settlement offer 8% of debt over a month ago. Accord keep pushing me to deal with them over the phone, which I have no wish to do. They also keep pestering me to fill in an expenditure form. I've explained I'm about to be out of work so I don't see how filling in the form is a fair representation of my financial position given I have one more pay day before
  15. Hi guys and gals I need some advice please. Basically I lived with my partner and 3 kids and started a new job after having my baby. HB requested my first 2 wage slips on receipt which I handed in and continued to get HB payments. So now this is where it gets complicated. My ex was abusive (we have moved away from him recently) and took all my money for himself so I thought I would buy replacement wage slips with different amounts on them so he wouldnt know how much i had earned. Problem is that I left them with my paperwork and thats what I had handed in to the council not my actual slips. Th
  16. She was stopped in a public place having dropped a butt outside of a shop before going back in. After she came out the shop, 2 men approached her asking to see her immigration documents (shes European and has every right to be here). They both were apparently very aggressive to her. Anyway she gave them a fake name, and an address she lived at many years ago. What could happen now? or is she in the clear?
  17. I am appealing for advice in this case in which Barclays has failed over a 2 year period to put right errors on my mortgage account and now refuses to abide by the binding settlement terms. To confuse matters, the Ombudsman provided misleading information which led to me agreeing the terms and the complaint being closed while the issues are unresolved. Ombudsman has now washed its hands of the case and told me I need to sue Barclays. The Financial Services and Markets Act 2000 (FSMA 2000) makes an Ombudsman’s decision legally enforceable in court, but I can find no solicitor to tak
  18. Went to ATM link cash machine in my local shop .i wanted to withdraw £500 the machine made the right noises £180 came out the cash machine and then the machine came up with an error I then checked my bank statement which showed £500 taken from my bank.now am £320 down what can i do? Lady in the shop said this evening when the shops closes the machine will be checked will i get this money or not my bank has made note of this
  19. Just to clarify - I'm the tenant here! Here's the situation - we have a fixed term contract with a private landlord and we served a notice to leave, which was accepted by the landlord and their letting agents, who in turn served us with notice 21(1)(b) expiring on 30 December. We are due to move out on 10 November (the expiration date of our own notice) into a new flat . However, we were just told by the new landlord that there's been a leak in the new flat, which might prevent us from moving in on 10 November - he's not sure when we could move in since some of the electrics might h
  20. can anyone give advice ?? my son had never received a tax rebate in all his working life , he had been getting taxed really badly and decided to phone hmrc, he was told that the national insurance number that he had been using for the ten years he has worked was invalid !!! he has worked from leaving school apart from 5 months when he received jsa,, he is now 27 and has never been notified that the number has been wrong . seemingly he was told on the phone that this had been a temp number but he never received any other so had no idea anything was wrong . so in the ten years he has worked wher
  21. I got in some difficulties and lost my job, as someone close to me passed away i was having difficulties coming to terms with it. ended up being gambling addict, I'm recovered now have been for some time. although i put a block on a lot of gambling sites so i cant join them again. Due to situation i was struggling to buy food and other items due to being out of work and gambling, i told Halifax of my situation and that i was unemployed but still had around £2000 savings only, it wasn't much but he saw my savings, it was just under £2000 not much. To my surprise he u
  22. I am an aged widower in good health with credit card debt as a result of helping two members of my family. They had a laudable ambition in their 40s to work for useful mature student degrees while cutting down to part-time jobs. They were very successful and now have far better jobs. I can service the monthly payments to the credit card companies in excess of the minimum but am finding the rates of interest a disgrace. How can I come to some sort of deal to pay off this debt? G. P., Suffolk. Read more: http://www.dailymail.co.uk/money/experts/article-2324818/I-gave-relatives-money-improv
  23. Entirely my own fault. I had an old address saved in my amazon account, it was the default address. I have since moved from this address, it was selected when I placed an amazon order and the parcel went there. At that address I was living with my landlord, I am not sure but I think he might have even sold the place and moved out. What is my position? Obviously it was a silly mistake on my part but is the person who received the parcel (old landlord or whoever lives there now) obliged to give it back if I go and ask for it? Kind regards, M
  24. One of Britain's largest doorstep lenders gave thousands of pounds of loans to a schizophrenic woman despite knowing she was "not all there", it was claimed today. The BBC current affairs programme Panorama went undercover at Provident Financial, a FTSE 250 company with 1.8 million customers, and says it found cases of lending to customers which appeared to breach Office for Fair Trading (OFT) industry guidelines. Panorama - Undercover: Debt on the Doorstep, which is broadcast tonight, interviewed the mother of the unnamed woman, who requires constant care for her condition but was alleg
  25. hi there just got home from work to find a message from garage regarding my car which is in to have 4 new tyres fitted. The garage owner gave my car to somone this morning thinking it was his courtesy car which is the same make as mine. it wont be back until 5pm tonight so tyres wont be fitted. and ill have no car for another day. having to borrow partners. Im not happy as you can imagine but not sure on what my next course of action is, My car is ony insured for myself and partner to drive also it has a very dangerous bald tyre hence why it was in to have new tyres fitted.
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