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  1. Hi I wonder if any of you lovely people can help me? I was making a substantial delivery to a restaurant in Beverly ( Catering/janitorial supplies). I was in my 4x4 as the van was delivering elsewhere. The bay did have a restriction of 'goods vehicles only' but i did not see that. The traffic warden agreed that she could see i was making a substantial delivery but said that i was using the wrong type of vehicle and issued a ticket. I appealed the ticket giving the copy of the delivery note and explaining that the goods are too heavy and many to park in the multi story and walk with them. They have rejected my appeal. I am not happy about this and feel this is restrictive to their tenants and their suppliers. My concern is that I will need to make future deliveries in my car … how will I do this without getting a ticket or knackering my back by parking in the multi story? Does anyone have any advise or similar situations?
  2. I have not placed this thread in Insurance, because it is more about experience of using online sites to buy Insurance. Have woken up early and not got back to sleep (annoying) i decided to sort out some Home Insurance. After going through various different sites, Axa, Aviva, Allianz, L&G, Tesco, Halifax, I decided to visit Barclays. Although Barclays use Aviva, the experience of using their site was so much better than all of the companies mentioned including Aviva. The information was so much clearer and the functionality of the site was light years ahead. And Barclays don't rip you off with a high interest for monthly payments and don't have the admin fees that others charge. I saved over £100 a year compared to the other companies and for much better cover. And i can now access my Barclays Insurance details online and if I want to, I can amend the cover, to include extras that I opted out of at the start. I have no connection to Barclays ( don't Bank or work for them) but I am impressed by their online sites. I have always Banked with one of their competitors, but if their Internet provision is as good as the Insurance, I might look at swapping. Ps. I don't use comparison sites, as they are not a very good way of buying Insurances and by using them, you are selling all of your data to them. They will sell your data to any company that has a contract with the comparison site, even if they never offered a quote for your Insurance details.
  3. What do caggers think about this advice? http://www.leicestermercury.co.uk/news/motoring/youve-received-parking-ticket-you-277681
  4. Hi everyone My current EDF tariff is due to expire in March and so I've been checking out various providers and tariffs to see what's out there and what's good. A company called Iresa Energy have consistently been showing up at or near the top of every search on every website I've checked. However... I've never heard of them before, and info and customer reviews/ratings seem a little thin on the ground. So I was hoping to glean some advice/info from this wonderful place... Knowing that if you've had a lot of people talking about them on here... that's not always a good thing. My other question is that I cannot find any info about their participation in the Warm Home Discount scheme. Which brings me to my 3rd question... I applied for the WHD with EDF at the end of Sept 2016 and have received a reply that my application has been received... but not if I've been granted it yet. I've had it for the previous 2yrs and it's come in very handy with winter heating bills. The savings from Iresa over the next 12 months aren't enough to make up what the WHD gives me. None of the comparison sites seem to take the HD as a factor... and companies participation via those sites is scare or non existent. I've got a couple of months before my tariff ends... so not urgent, plenty of time to gather info together before the switch. Thanks
  5. I am wondering if any one has had a problem with anxiety and driving lessons? Tenmencount
  6. Hi. A family member would like to know of how to find a good local(ish) employment lawyer to speak to about an employment issue. He is not in a union. Also, a good idea of cost for some initial advice would be good? Thank you in advance.
  7. There are so many internet sites out there, but i do like those with webcams covering wildlife, providing there is something going on. At Slimbridge they have thousands of migrant birds that winter there and between 4pm and about 4.20pm you will see them being fed. The birds feed on the fields and around the river Severn during the day, then return before dark for the daily feed. http://www.wwt.org.uk/wetland-centres/slimbridge/experience/webcam/
  8. Hi all , i have been attending work programme for over a month - and was late for an appointment due to a heavy cold and my provider decided callously to raise a doubt with DWP. recieved a 'good reason letter' asking why i dint attend work programme appt.- how can i successfully challenge this and avoid a sanction. help would be very much appreciated guys!
  9. Hello I hope you can help - I have someone who is a decent human being but has been put is a difficult situation. Someone else was helping him before but I’ve been called on-board as the other person hasn't got the time. He has been on ESA for a long time, He suffers from severe social anxiety, depression, body image issues and also post-traumatic stress due to many issues; most of which are childhood-related, whereas the traumatic stress (I believe) was relatively recent (5 years ago) due a severe facial injury that required intense facial- reconstruction; (were talking hours of surgery and many surgeons) He has been on a continual downward spiral since as he has no support network and his heavy drinking with which he has used to cope with his social anxiety! This has now culminated with him having a psychotic episode a few weeks ago that resulted him being imprisoned for 6 weeks on remand. He received a suspended sentence plus counseling for drink. No one was hurt, though I’m assuming the experience hasn’t been pleasant for anyone that was involved. I cannot stress enough that the person Is decent human being that hasn’t had the help he’s needed for years. His ESA was such that even wrote him off (never needed a tribunal etc) but since coming out of prison he has found that his ESA has been stopped. Im assuming it was because he went to prison the last amount paid into his account was june 6th! and nothing after this. He doesn’t have the skills to get it reactivated on his own! I have done some homework, and found that he is classed (still) as a remand prisoner as just being locked up from June 6 to approx 5-6 later! I believe from my own research (limited) that..... 1 There is a 12 week period within which the EAS can be re-activated / or linked) is this correct? 2 and that this means that there is not major/ substantial extra information needed to be sent to the dwp? And that it is merely a case filling in a new form and re-activating the claim? 3 However he hasn’t been in proper contact with a DR due to him slipping off the radar in terms of doctors notes (he hasn’t needed them for over three years, so you can imagine that someone who suffers from such conditions has simply let things continue!) will he need one now? 4 Or is it simply a case of filling in the correct forms etc? He has no money since coming out of prison- his rent was paid by housing benefit but the short-fall which was made up by himself with the ESA which obviously means the current situation is-not sustainable 5 he will not need to see Atos, surely if it is simply the case of linking the claim? In conclusion I’m unsure which type of ESA he was on but I’m sure it falls within the category of not needed to attend any support group. He hasn’t needed to supply an updated Dr’s note to Atos or the dwp. I have not phoned the ESA yet on his behalf as I’m not sure if I’m up to the task. But the idea is I would like to get the ESA up and running the way it was before, but obviously to try and get him some type of support group as well. Can anyone help? As the 12 week cut off period is looming? Thanks
  10. Hi all. Very briefly, my friend worked for an employer last year who paid him by bank transfer and never gave him a pay slip. My friend resigned at Christmas and since then has sent letters to the employer asking for payment for 2 days worked, 2 days bank holiday pay and 2 days holiday pay. He has since asked me to help him make a claim against his ex-employer. Evidence-wise, we have this: Original advert in local paper Bank Statements showing 7 bank transfers made to my friend's bank account starting on 11.9.2015 and ending 18.12.2015 totalling £4718 Copies of letter and email sent to employer Proof of receipt of letter. He is owed money for the last 2 days he worked (21&22 December 2015), 2 days holiday pay and 2 days bank holiday pay. He works this out as £9 x 8 hours x 6 days=£432 Is this the correct amount or do we work out the Tax and NI he would have had deducted? (although his employer, apparently, never paid his NI or Tax) My question is, do you think that we have enough evidence to proceed? And, if so, is an LBA the next move, detailing the above information? Thank you in advance, B
  11. Ok to summarise: Received a DVLA fine for not being Insured, and not on the database. Checked my documents (they had me worried!) I am still insured! Yay. Conacted Insurer who assured me I am insured and they would check db to update it. Sent DVLA my appeal which included photocopy of valid insurance, cover letter and info etc. Received a DVLA Letter saying (this is not verbatim): "We checked with the insurer and there is no evidence of insurance, pay us" With angry haste, contacted my insurance company who said "let me investigate" They then got back to me saying that there had been an error on the computer and that my insurance had been cancelled by accident at christmas time (I had paid in full for a year) then gave me a new policy number that covered the year, apologised alot and said that I was insured in that time even though the computer dropped me by accident. Sent a copy of my new insurance cert with policy number and a note explaining the situation to the DVLA appeals address. Received a DVLA letter saying: "Your case has been reconsidered in light of this additional evidence. However you REMAIN LIABLE for the £100 fixed penalty...... The agency will take court action against you." I am still insured... I have an insurance policy covering 12 months. I have photocopies of all the letters. I have audio recordings of all phonecalls with insurers. (old habits die hard) What am I missing ? sine
  12. Hi, I have just received a PCN from "Civil Enforcement" and I wondered if this template was a good one to send as an initial appeal to hope to put this to bed quickly. It seems pretty comprehensive and I thought I'd include it in it's entirety in case it can help others as a useful template/guide to the possible appeals. Is it good or are there any flaws? Thanks!: [removed lengthy templates dx] PCN.pdf Here is my PCN notice. It is unclear whether it is a notice to driver or a notice to keeper. Is this a grounds for appeal? I see that POFA 2012 requires notices to keeper to: - Advise that the driver is liable for the parking charge and the amount and that it has not been paid in full - State whether a notice to the driver was given either to the driver or placed on the vehicle and if so to repeat the information in that notice about paying the parking charge and when - Specify the outstanding amount of the parking charge and of the maximum additional costs they may seek to recover, and of the dispute resolution arrangements - Invite the registered keeper to pay the outstanding parking charge or, if he was not the driver, to provide the name and address of the driver and to pass a copy of the notice on to that driver so now I'm unsure of my first move....
  13. I just ran into something that I want to "brave my self" if something goes wrong. The problem is I am trying to return a phone (quite expensive) I bought online (UK base retailer). The company does not allow to book return over the phone, only on their website. However, I cannot book a return form their website. I email them about the situation, they reply to me that they are looking into it and the problem could take up to 5 working day to fix. That make me confuse is that under Consumer Contracts Regulations (CCR) i have 14 day to told them, which i already did and they accept the return, and another 14 day to send it back.However, I am too busy to book an online return untill today, then this problem happen. But if I wait for 5 working day, it will be over the 14 day dead line to return under CCR The question I have is am I protect under CCR if I wait for them to sort it out or I should return the item back before the 14 day deadline.
  14. http://www.bbc.com/news/technology-35925146 And of course the number is much higher than the ombudsman has recorded – and it is probably very much higher than anyone can possibly imagine. Vodafone is competing with npower for the worst possible systems and the worst possible customer service. Anyone considering getting a new mobile phone contract would do well to avoid Vodafone.
  15. British Summer Time So less than a week after spring has officially sprung and we suddenly find ourselves in British Summer Time. Of course this is nothing to do with the seasonal situation, it's the annual clock change that takes us into Daylight Saving Time. How did this come about and why? http://www.itv.com/news/meridian/2016-03-24/simons-blog-british-summer-time/ Everything you need to know about 100 years of British Summer Time http://www.irishexaminer.com//examviral/fun-times/everything-you-need-to-know-about-100-years-of-british-summer-time-389281.html … In 1947 they actually changed the clocks four times – twice forward and twice back. British Summer Time: When do the clocks go forward? Why is this done? | Home News | News | The Independent http://www.independent.co.uk/news/uk/home-news/daylight-savings-time-clocks-spring-forward-british-summer-time-when-why-what-a6928911.html … Drat i was so excited for a moment-we lose an hour of sleep.
  16. Friends have been raving about Lidl for ages, but I've yet to bite the bullet. What is the quality of the meat and fish like? I know it's cheap, but is it cheap for a reason? Not sure where they source stuff from. Any thoughts anyone?
  17. Hi All, I am trying to get any information possible on the removal of Settled Accounts that were in good standing from the main credit agencies. I used a well known payday loan company back in 2013 and rolled over the loan a few times and always paid early and in full. Never late and no negative info at all. However fast forward 3 years , I am trying to secure a mortgage and have been refused due to having 6 entries from a specific payday loan lender. Even though they are all settled and paid and closed they underwriters see that as there were 6 entries, that I am a risk !! I have a good credit score and this is the only negative. This is causing me to have to look through other "brokered" lenders who all want to charge fees and I am looking at a higher interest rate also. It crazy that I borrowed and paid back on time and still penalised for it. Can any one give me any advise on how I can persuade the payday lender to remove the settled accounts from my files?? As its causing me financial issues if I have to pay a higher interest rate because of them. Any help appreciated. Thanks
  18. Not sure if anyone can help but am throwing this out there just in case. Bought a 2+3 suite from Very last June on buy now pay later. Payment not due until June 2016 but have been paying it off anyway. A problem started to develop in November when the base and back cushions were distorting so badly that you sank into the corners when sitting down. It was not a cheap suite at £1800 before sale price of £900. I contacted Very who said they would send a specialist out but if no fault was found we'd be charged £45. The inspector came last week and completely stripped everything down to the bare bones. He took all the base and back cushions out of their fitted covers and told us they needed re-dressing. He proceeded to pull apart the filling material then pummelled them repeatedly with his fists. He said that because a cheap cotton wool type filling had been used this would have to be done with each cushion every day. He then struggled for a good 15 minutes trying to re-fit the covers (he was sweating). I asked how I was supposed to do this daily given my obvious disabilities and arthritic hands but he had no answer. He also told me that if the catalogue description said 'plump cushions daily', this would be Very's 'get out clause'. The description does say this but I would have thought that this would refer to the scatter cushions that come with the suite. Very won't answer my emails apart from telling me that no structural fault was found and I have been charged the £45. I've never bought a suite before that requires removing the cushions from fitted covers every day and then having a full upper body workout in order to make it useable again! Does anyone out there do this to their suite, I don't know what to do now apart from contacting trading standards but not sure of my position?
  19. I have been working as agency in a private care provider. The staff get a good cash bonus if their inspections are good. One member of staff told me they were picked to speak to the inspector but chose not to tell all as they wanted their bonus. If they spoke out all the staff would have lost this payout (£500). Is it legal to offer a bonus that would potentially stop people from being honest and/or whisleblowing?
  20. Cameron's good day to bury a LOT of bad news: From lost asylum seekers, rising council tax and police cuts to the PM's dinner guests, gifts and army of spin doctors Ministers rush out 36 statements to Parliament on last day of term Files on spin doctors, public sector pay and PM's gifts also released Reports published into homelessness, benefit cuts, asylum seekers Read more: http://www.dailymail.co.uk/news/article-3364581/A-good-day-government-bury-LOT-bad-news.html Many links on the article. Have your say,i know there are many wise ones who know about these things. Hoping someone is going to say just another scaremongering story,no truth at all. Just going to check some of these stories out. Especially homelessness.What is going on. Just read a article from America where homelessness is also increasing. Are the tent cities about to return or perhaps back already. 500k+ homeless in US, numbers rise in New York, other big cities https://www.rt.com/usa/322917-american-homeless-population-cities/ 100,000 children face spending Christmas in temporary accommodation More than 100,000 children in England face spending Christmas in temporary accommodation after a sharp annual rise in homelessness, official figures showed. http://home.bt.com/news/uk-news/100000-children-face-spending-christmas-in-temporary-accommodation-11364029394678 100,000 children can you believe this in 2015.Classed as homeless. How many adults . Breaks down to how many families. A disgrace.Does not matter who is in power,if you want to call it that.I would be saying the same thing. The Benefit Cap: hurting homeless families http://blog.shelter.org.uk/2015/10/the-benefit-cap-hurting-homeless-families/ Council tax bills to rise by up to 4% as government grant is cut Town halls will be able to increase council tax by 4 per cent every single year. Surely this cannot be true.People are at breaking point with their finances already. 10,000 asylum seekers have dropped off government's radar Thousands of asylum seekers have dropped off the Government's radar, an official report has revealed. Three in four families hit by bedroom tax cut back on food More than three quarters of people affected by the so-called 'bedroom tax' have reduced spending on food since it was introduced, an official analysis found. Cameron urged to scrap the power of the Lords to veto regulations following tax credits row The House of Lords should be stripped of the power to veto new regulations and instead be restricted to calling on MPs to rethink proposals, a review commissioned by David Cameron has recommended. £8.4million army of Conservative spin doctors paid for by YOU The taxpayer-funded bill for government spin doctors will hit £8.4million this year. Chancellor George Osborne alone now has 10 spads working for him in the Treasury, including a new director of communications and the aide credited with overhauling his image given a 42 per cent pay hike. Details of the army of 96 political special advisers (spads) paid using public money was slipped out by the Cabinet Office on the day Parliament breaks for Christmas. Now surely it is not true that George Osborne is advised on how to get his hair cut. Reminds me of a chap i knew who was a ex footballer,no names, who moved into the rental market. Used to work for him.Said to him one day after second hair stitching and face lifts,"why not just age gracefully." Sooner or later age will reappear.Skin was so tight i thought it would split. Looked ok but many thousands of pounds spent in different countries. Said, "well owl,it is image,i must appeal to the young and always look my best." Yes ,"but they have not seen you before,what does it matter. You are buying and selling and renting out properties." Just as George Osborne spouts on about politics. Do i care if he has a Caesar hair cut or grey hair.Not for one second. "Suited and booted you look ok". "Just image,i must have it" he replied Left it at that. Have not seen him for 20 years,i wonder what he looks like now.You can only surely stretch your skin so far. Or your ears will end up under your chin.Something like that,i feel you know what i mean. All on the article in more detail.Enough for me i am just going to have a stiff drink. First one this year.Whisky i feel is needed to take all this news in.
  21. Let The Diet Begin The world is about to go on a carbon diet. It won't be easy — or cheap. Nearly 200 countries across the world on Saturday approved a first-of-its-kind universal agreement to wean Earth off fossil fuels and slow global warming, patting themselves on the back for showing such resolve. 'Historic' Paris climate deal adopted Paris deal met with calls to action from Canadians 5 key points in Paris Agreement On Sunday morning, like for many first-day dieters, the reality sets in. The numbers — like calorie limits and hours needed in the gym — are daunting. More info-and what do you think of this agreement Some scary comments on the article. Better get a move on some are thinking. Many of us do not fully understand how bad things are,or could be if things do not get moving fast. http://www.cbc.ca/news/world/paris-cop21-climate-deal-fallout-1.3363024 Better put this on.To show how things can be done. 5 Countries That Prove The World Does Not Need Fossil Fuels. http://theantimedia.org/5-countries-that-prove-the-world-doesnt-need-fossil-fuels/ It clearly is a worrying situation.So for those that like a good read.And also trying to reassure myself that things will be done as quick as possible. Fossil Fuel Phase Out. https://en.wikipedia.org/wiki/Fossil-fuel_phase-out Sounds like China needs to get stuck in and get moving rapidly. In some places there you can hardly see your hands in front of your faces. Breathing must be difficult at times and unhealthy. Well there you are.A few articles from the Web, i really do not know that much about the problem but got a feeling many of us will soon know plenty. I can not keep saying winter after winter well it is the jet stream,the direction of the wind that keeps giving us warm winters. When i was young winters were winters,year after year. Something is amiss. Perhaps you can tell me,or say how you feel about this problem. I hope the leaders are not speaking with Forked Tongues is all i can add. And i suppose if they are serious Fracking has had it. Scientists Say Fracking Makes Climate Change Worse, Not Better http://ecowatch.com/2014/10/15/fracking-not-lower-greenhouse-gas/
  22. I sold my house because I was made redundant in my mid-50's and was stuggling to get another job. I did eventually get another job and after three months I contacted my mortgage lender, First Direct, and asked them if in principle they would give me another mortgage if I downsized, with the idea being I would reduce my mortgage from £140k to around £80k. They said they would, so I went ahead with the sale. When I contacted FD again they said they would not lend as I hadn't been employed for at least six months in my new job. So I ended up renting. But was laid off again after another few months. So, I bought a flat - this was almost three years ago now. I did it up but couldn't live there as it turned out to be one bed and not two as i thought and freeholder insisted it was reinstated as one bed. I bought the flat at auction as I was unemployed and using the house capital to pay the rent which wasn't a good idea. So anyway, I have tried to sell it. There is a damp problem in the roof above my flat which is causing problems and ultimately I have lost three sales right at the last minute with the first loss due to no maintenance and the second two because of the damp. I have suffered periods of redundancy etc and so I had to have a bridging loan on the flat for trying to fix the damp and also to help with my living costs. The landlord keeps messing around and promises to fix the roof but never gets anything done. Now the loan has expired and the flat has been repossessed. This flat represents everything I have worked for in 40 years, but redundancy has caused me so many problems. When I bought the flat the landlord stated in writing (in the auction pack) that £11k had been spent on the roof but can only produce an invoice for £3k and the roofing agent's receptionist said there is no evidence of £11k being spent, but the roofer now refuses to discuss it. It sounds like accounting fraud etc to me but not sure how I can prove this. I didn't get a survey done as the auction pack came with a surveyor's report. (hindsight is a bummer!) What I need to know is: a) can I sue the landlord for the losses I will suffer when the flat is sold? It is worth around £110k on the open market but not with the damp, and I reckon the lenders will sell for a lot less. b) if I am able to prove fraud or some type of fraudulent/incorrect invoicing activity or false claims by the landlord, what am I able to do to gain compensation. This landlord has basically destroyed me - he knows his stuff whereas I don't really have a clue. He hates women and talks to me and my daughter as silly women - his words. I am losing the will to live, because not only do I have to pay an estate agent and exorbitant interest on the loan, I also have to pay maintenance charges and ground rent. He has not maintained the building and uses it to line his pockets. But I also have a £2.5k council tax bill because the council are now charging me 150% because the flat is empty. I have been well and truly stuffed by this landlord, the council, the lender, the agents, and basically the government for messing with my job in the first place. I now owe the lenders about £50k or just under and the other costs, we are looking at around £55k so I could be left owing money on the flat or getting next to nothing from the sale. I spoke to the lender, Petersbrook Securities, and they said they are obliged to sell with my interests in mind - I'm sure that's cobblers? Is anyone able to offer any advice, including the costs associated with taking any action? I am desperate. I haven't done anything about this since September when it was repossessed as I've been so depressed about it all, and couldn't deal with it, but I'm having an 'up' day and don't want this freeholder to get away with this. thank you
  23. I find the media a fickle bunch, who change their views depending on the wind direction. Tom Watson MP was seen as a hero for pursuing allegations about child abuse, but now that some of the alleged victims have had their allegations questionned, Tom is being criticised. The Police have not finished their inquiries yet and it is a bit too early for friends of alleged abusers to start demanding apologies. Because the newspapers keep going on about such stories for days on end, digging at the information, it must put the Police in a very difficult position. And it is not just newspapers, but some TV programmes as well. Let the Police complete their investigations without unhelpful media involvement and see what happens. If any cases get to court, media coverage of victims and alleged abusers, may hinder any chance of a fair trial. If politicians want to be helpful, perhaps they should pass laws that require abusers and victims to be anonymous until after the alleged abuser has been formally charged, with a court date set for a hearing. The Judge can then decide on whether identities should be revealed, to help serve fair justice. We want an independent robust free press in the UK, but they must remember that they should look to serve the public interest and not act in a way that disrupts the Police or courts.
  24. My husband and I have settled any debts a long time ago, it was a bit of a shock when a company called Link began telephoning our unlisted landline and demanding I confirm my identity over the phone. They phoned daily for some time, and wrote regularly. I was wracking my brains trying to think of anyone we'd missed all those years ago, but couldn't. I ignored them for some time as I was sure I owed nobody anything, but the letters began threatening legal action, as they do, so I CCA'd them and they dropped the case immediately! Although this is a good result, I'm still a bit confused as to who they are, where they got our info, and who they think we owe money to. Do you think it's worth following up or just forgetting forever?
  25. Hi all, hoping someone can advise on this please! I have been ordering clothes from an online retailer for around five years now with no problems. On my last order I returned some of the items, only to then receive an email from them saying that one of the items was damaged so they won't be refunding me for that item. I immediately told them that the items were fine when they left me, so they must have been damaged in transit, but despite numerous emails they are refusing to accept that they could be responsible and simply repeat that the item was damaged when returned to them, so it is my fault, so i am not entitled to a refund. Usually their items are delivered by DHL in a nice strong box, however this particular order was delivered by their own in-house "premier" service which I haven't used before (they were offering free premier delivery at the time), which means that it was delivered by their own driver, and the items were simply bundled into a cardboard carrier bag, not protected in a box. So they could easily have been damaged in transit (for example some items were on hangers, others were just wrapped in tissue paper and could have easiy snagged on one of the hangers). But I have no way of proving that they were in fine condition when they left me - it seems to be my word against theirs. I have been a loyal customer of this website but all they say is thank you for your custom, sorry for the inconvenience, but the item is faulty so we're not refunding you. Do I have any rights at all? Seems pretty strange that an online retailer can just claim that items were damaged and you have no recourse - particularly when it is their own delivery service so you can't claim against the transit company. Grateful for any advice please!
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