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Found 616 results

  1. .. I sent off a CCA request six months ago which has not been provided, the account is in dispute, i have been receiving 'arrears' letters since. My question is, would it help to send back the latest arrears letter with a "No contract. Return to sender" label, or sit on my hands? Thanks Pencil.
  2. Recently, DWP paid me 7,000.00 backdated payments for sickness / ESA claims as a result of numerous complaints made about 3 work capability assessments, each of which having a medical report made by a nurse which omitted information. 2 of the work capability assessments were recorded. The oral recordings of the assessment differed from the medical notes made by the nurse, this has been shown on 2 occasions when comparing the oral recording with that of the medical report. Pointing this out to DWP - I was ignored for several years, complaints being answered but nothing being done in respect of the complaints. To have a 7 thousand pound payment years after may seem great - reality is that it is all used to pay debts to family who supported me during the time DWP refused to. My data request is for a copy of a report made by a Dr. [redacted] who conducted both investigations into my last 2 work capability assessments. This doctor could not find anything wrong with either of my work capability assessments between that of the actual recording and that of the written medical report. Whereas, other medical professionals have noted several elements whereby the assessments are unfit for purpose. DWP refused to give me this data surrounding the doctor's investigation previously despite my many reminders. Again, in my latest assessment, DWP are refusing to give me this data. The data request was late (it needed reminding). Not only was it late, it did not contain any of the information I had asked for. I had asked for specific information surrounding the 2 investigations made by Dr. [redacted], this should have been 10 pages at the very most. What resulted was at least 3,000 pages (some duplicates) of the entirety of my comlpaints with DWP... In addition to someone elses name and national insurance number (totally unrelated to me) in amongst the data. I wish for specific data surrounding the doctor's investigation. I have an N1 court claim form - are there any templates I can use to make a claim under GDPR forcing DWP to comply with my request? --- The request is for data to aid in other complaints and essentially show that the assessment is unfit for purpose and even when complaining about it, a Doctor answers complaint saying everything is fine - when it is not.
  3. hi i have maintained a small piece of land right next to my property that when i moved in some 12 years ago had a hedge growing on it and had to seek the councils permission to remove this hedge. Now 12 years on having maintain this piece of ground i would like to Adopt it so as to put a vehicle on it as parking is difficult. How do i go about this? And is it possible for me to own it outright and if so how do i go about it?
  4. How much rent can you afford? An interesting article with links to government and local authority calculators. It points out that you need to consider far more than just any fees and the rent itself, but all other utility bills, council tax, water bills and in some cases, service charges.
  5. Hello. I’ve today had a ‘PCN’ issued by NE parking Ltd in Blackpool town centre (Adelaide court, a car park behind some flats). Last night I went to a gig in town, I drove as I wasn’t planning on staying late but I ended up having a couple of drinks so had to leave my car overnight. My friend used to live in Adelaide court so I would always use his space should I be nipping into town, and have never had any problems before - until today when I’ve gone to pick my car up and been hit with a £60 charge. The reason for the charge is ‘parking without a valid permit/ticket’, and I know 100% permits were not issued to residents of Adelaide Court 6 months ago as my friend didn’t have one and never had to use one himself. Unless this has changed recently? However, the other cars parked there did not have permits on display either! I know a lot of people say to just ignore private parking charges, but can someone advise me what’s the best thing to do from now? Do I acknowledge? Pay up? Or just leave it? Thanks in advance!
  6. Hi, I have just received a letter from a debt company that I haven't used for over 15 years. The letter says data protection laws have changed. This means thy need to provide me with an updated explanation of how they use my personal data. I do not want then to use my personal data. Do I ignore the letter? Thanks in advance.
  7. Hello All, Ive been a HA tenant for just over a year , so I'm now an assured tenant. Last year I recieved a list of service charges, which at the time seemed a little off/excessive, but being on a starter tenancy I sucked it up as to not cause trouble. This year however, I would like to dispute some of the charges and I was wondering what the best way of doing it was. I've looked all over the intertubes but there is very little out there. I've emailed the contact address on the letter outlining my concerns, and I'm awaiting a reply, but forwarned is forarmed as they say. I would appreciate anyone with experience of this chipping in. I'll just quote from my email to the HA, so you can see some of the issues I have with their charges... "Communal Cleaning: £315.82. I have lived here for over 12 months now and have never seen a cleaner at the property, or evidence that someone other than the resident have cleaned the very small communal area. Can you provide the invoice and a schedule of their visits please. Communal garden and grounds maintain: £318.39 As far as I can see , this building doesn't have any communal gardens or grounds. It fronts directly onto the street and has no grounds to the rear, other than the church graveyard that is maintained by the parish. Can you explain which "grounds" are being maintained and when I would expect to have seen the maintenance people? Could I also see an invoice for this charge? Communal electricity: £220.31 The communal area has 1 small heater and a light. My total bill for last years electricity for lighting, heating etc a whole flat was £750. I would like to see a bill or electricity meter reading as I believe £220 is excessive for such a small area."
  8. Name on National Insurance card does not have full name, as on my Passport. Anyway I've have applied for a job, where I need to show my NI card (which are no longer produced) or Online NI Record, which I believe is no online, can I go online to the HRMC site register and update my NI record, so my name is now in full as per my Passport? Its not a name change, but update to my full name as on Passport
  9. Hello Everyone, I wish to sue an organization under the Equality Act I have not suffered financial loss so I don't know if I can use the Money Claim Online (MCOL) I want the organization to change their procedure, and maybe compensation for injury to feelings If I can't use the MCOL, then where do I go Also, how do I quantify the compensation? Thanks
  10. Hi, I have received an n24 form “general form of judgment or order”. It states that point 1, it is ordered that judgment for the sum of £1450 and interest to date of £92.08 plus various fixed costs and hearing fee. Total £1964.50. Point 2 states that the court have assessed additional costs claimed .....”and such costs we summarily assessed at £700.00”. Point 3. Above sums to be paid by 4pm on 16/11\18 Dated 26th October Hoping someone can help me understand this. I did try to settle out of court, but the claimaint was seeking an additional £700 (which would have meant £1400 in total over and above judgment amount) in costs. I was advised to let the court decide on this, and in doing so they have assessed the costs at £700. What I really need help on is the fact that I thought I would have 28 days to pay the judgment sum in point 1, but this form is suggesting that all monies including costs have to be paid by the 16th at 4pm. Have I understood this correctly? Or is it the costs awarded in point 2 that have to be paid by then and I would still have until 28 days after judgment to clear the judgment sum? Thank you very much for your help.
  11. https://www.huffingtonpost.co.uk/entry/prison-sentences-women-abolished_uk_5bd88f01e4b07427610c0ddd?8n7&utm_hp_ref=uk-homepage Prison Sentences For Women Of Less Than A Year Should Be Abolished, Say MPs And Peers
  12. Name on my NI Card, is not in full as on my Passport I was given the NI card with a short version of my name. Anyway I've have applied for a job, where I need to show my NI card (which are no longer produced) or NI Record, which I believe is no online, can I go online to the HRMC site register and update my NI record, so my name is now in full as per my Passport? Its not a name change, but update to my full name as on Passport
  13. I have never hired a lawyer before, except when buying a house, so I have no idea where to start. Recently, I received an opposition to a trademark application, so it looks like I need to get some legal advice. So I have a few questions! 1. Is it best to get a local lawyer, or are most meetings done by phone or Skype? 2. How do I evaluate if the lawyer is any good? 3. When you are making initial enquiries, do they charge you when you speak with them? Or do you tend to speak with their assistants on initial enquiry? 4. Should I speak to a couple of different lawyers first? 5. Do most lawyers charge by the minute? Anything else I should be aware of? Thanks, Jon
  14. Just over a month back, Harlands came after me with £50 in admin fees for an unpaid £39.99 DD to a gym which I left without formally cancelling. This is my fault and I accepted full responsibility. Here's a timeline of events (this is an email I sent to CRS when the debt was "passed on" (even though they're the same scummy company in essence)): Today, I got this reply-- To which I replied How should I proceed? Can anybody with any experience with such matters weigh in here? How likely are they to pursue me and take civil action? And, if so, how likely am I to succeed given my attempts to pay as outlined in the above email. Thank you!
  15. I received a parking charge in 2013 for 2 mins stopped at the side of the road at Liverpool Airport. VCS took a photo and sent several letters in 2013 from various "debt collectors" etc - I ignored everyone like the advice given and about 12 months later they stopped. Out of the blue BW legal seem to have bought the data and sent me a claim letter for an alleged office in January 2013. for £100 PCV charge plus £54 legal costs? is there a time limit for these and can they go back to all that time and start again?
  16. Please can you can help. Today I had a letter from IDRWW regarding a debt from 2009 to HSBC Middle East. I took loan out to pay a debt, lost my job, had to leave the region due to visa rules, was unemployed & had long period of instability. I had given my parents address when taking out the loan and have had zero communication regarding this debt since 2009. It's a relatively small sum of money (£2700) but i'm self employed on a low income so can only afford very small repayments at moment... I'm very anxious about how best to deal with it as I fear it will escalate into a bigger problem. I fear they won't accept my small repayments - and could dump load of extra penalties on me that would make it unmanageable. In principle i'd be happy to pay something as I prefer to clear my debts ....what is the precedent for dealing with this? Thanks in advance for your time reading this.
  17. Invoiced by A S Parking at Hayle beach. It is coming up to 21 days ( argh missed the 14 day early window). Terrible weather and annoyingly had checked and flipped the ticket once but then someone must have shut a different door and it flipped again. Company clearly state they don't care about any mitigating circumstances. Very steep charge £100 (£60 if id paid early). Is there anything i can do? They haven't written to the reg keeper yet (which is also me) would i get another discounted period then? The only ticketing error/issue i can see is that the printing of the car park name is virtually non existent on the original ticket that i paid for. looking for light at the end of the tunnel, thanks
  18. I think the time has come to do a bit of RW&C baiting, or perhaps there is another way . Back in 2007, I bought a car on HP( I still have my copies of the docs) ,with a company that has since gone into default. Term was 36 months, and eighteen months into contract I was made redundant. I had not read the PPI package properly ( bear in mind that at this time I'd had two massive personal problems happen), but from the salesman's spiel I had a year of payment cover . I paid the six month out of redundancy and then tried to claim on PPI ,to be told I did not qualify. straight to PPI reclaim, whereby the finance company used every trick to avoid acceptance, although they did admit liability ,but the offer was set in non favourable terms. . Eventually way back in 2010, they went into default and the matter went to FSCS , run by the finance company IN 2011 . By this time, I had accepted that I would not get any of the debt paid off, but that the company had gone into default owing me ( from their admission £2500), I thought that the matter was resolved. Then last year, came a letter from RW . So far, as debt is now well statute barred , I’ve just ignored them as this sort don't seem to accept SB letters. Then I thought- as there's considerable PPI ( £2500 in 2020, how much now ) , and RW insist that they own the debt, perhaps it might be a chance to let the DCA get bitten, by legally asking for the repayment of the PPI content.. So what line do I take ?
  19. Hi everyone, any help would be highly appreciated Back in 2010 I arrived in the UK to study, me and my friends rented a flat in Brighton and I signed with TalkTalk for a broadband plan (1Year). The account was under my name and it was paying it from my personal bank account. End of 2011 I finished my studies and went back to my country, but before I do that I contacted Talktalk and told them that I am leaving and that my room mates will be paying from for this plan from now. (Kindly change the account holder to them and hereby I inform you that I am not longer responsible of this) "for sure there is no proof of this as it was a phone call" Time passed then in 2017 April I returned to the UK with my family to start my new job. Surprisingly I received a letter from Lowell demanding me to pay an outstanding amount of 240GBP for an old account related to TalkTalk. I ignored the letter as I sincerely forgot that I ever had a TalkTalk account! on the end of 2017 I relocated to the northern side of London the somehow they got my new address (I am guessing through the bank as I still use my old account since I was a student) and demanded me again for the same thing so I gave them a call and asked what is this about, they then explained that this account still under my name and it has an outstanding amount since Dec 2013. I asked what account was paying for all these payments since 2012 they explained that it was someone's else account (My room mate). I then explained that I left at the end of Sep 2011 and since then I was away, I have all necessary stamps of exits and entries on my account which validate that I was out of the UK for the past 7 years. They took all these notes from me and were very polite with me, then asked me to wait for a month or too for feedback. Today I received a letter saying that TalkTalk said the following: TalkTalk has advised us that they received change of ownership forms on 09/11/2011; however this could not be completed due to arrears on the account. They state that they received further card payments from a third party, but the name on the account was never changed Lowell then continues the letter saying that I need to pay this and that they will place this account on hold for 30 days for me to review in case they missed anything. Can anyone explain to me what is the best root to take next? As it is obviously not my responsibly to pay especially that i was not informed that the owner ship change did not happen? Bare in mind that my credit report has a note on it from TalkTalk since 2011 apparently which prevented me from taking any credit plan with any type of business in the UK since i got back and i am not quiet sure about the impact on my credit score after this issue is sorted. Kind Regards
  20. My sister has been refused benefits because they think - erroneously - she is earning 130 a week, when in fact she hasn't worked since January. They said they based their decision on her tax return (actress, self-employed). When she asks, that's all they say. She needs to see their detailed calculations and what in the tax return they used to arrive at this wrong conclusion. Can we ask for that? Thanks.
  21. Good evening CAG, I am new to this site but I must say that I have heard how fantastic you are at helping, so, I am hoping you could point me in the right direction. I have received a claim form from Northampton which has been issued by Cabot Financial. Now they say that I owe money to Moneyway (a loan) and give an account number but, it has been issued to me in my maiden name which I have not used since 2007. Now, I dont ever remember taking a loan with a company called Moneyway so I am pretty amazed at this, let alone using a name I havent been known by for a number of years. they say that the debt was assigned to them, so I am guessing they brought this supposed debt cheap, but I think they must have picked me off an old voters list or something as I have never done business with a Company called Moneyway. Now I dont really know much about rights as a consumer or anything but I thought that debts became statute barred after a certain time. I need to do something but I dont know what and I dont know how much time I have to do it before a judgement is registered against me for something I have not had. Could someone please point me in the right direction. I would be so grateful. Thank you LTB
  22. In November 2005 I was called into my bank for a “financial review”. At that time, I did not realise it was going to be a hard sell of bank products. I was sold a £20k loan. When the time arrived to sign the paperwork, the local printer couldn’t produce it – I guess an IT issue. They managed to get part or maybe all the first page printed (on screen it had many pages), which I was asked to sign or initial – I don’t remember what, in the footer area of the page. The £20k was deposited into my account the same/next day. I was advised a full agreement would be sent to me which I had to sign and return to the bank. That full agreement never arrived, despite me asking for it many times (I can prove). Contacting the bank was getting nowhere, so on advice of a Solicitor/Barrister I stopped making repayments in May 2009. The bank did then contact me. They said over the phone (I have a recording) if I resumed re-payments they would supply a copy of the agreement. I resumed re-payments, they did not supply the agreement and eventually agreed they did not have a copy of the agreement and could not produce a “re-constituted” agreement. Hence in Sept 2009 I stopped making re-payments again. The bank took 2 payments under “set-off” rules in June and July 2011. Amount outstanding according to bank is around £12k In November 2012 the bank put a default notice on my credit file. That did as intended and really fouled up my life. I spoke with the bank and they offered to remove the default, but I would need to repay the original loan (fair) interest for all the loan duration (not fair, duration/interest rate unknown as no agreement) and interest at 8% on the entire outstanding balance. I said “in your dreams”. I have engaged a few legal firms over the years to try and resolve this, total costs to date are around £20k. I am advised it could easily cost over £150k to continue. However, I see this as a simple problem. Bank don’t have copy of agreement (legally execute or otherwise). They have put a default notice on my credit file, in my view without any evidence I have defaulted – I don’t know the terms any more than the bank does. I feel I could issue a summons (pre-action protocol letter previously sent by solicitor) requesting removal of default notice. If successful, I would ask for compensation and my legal costs to date. Problem if I keep the quantum claimed under £10k (about 50% of my legal costs to date) if I am not successful, I can’t be hit by banks legal costs. If I issue for more than £10k I could have a large bank legal costs bill if I am not successful. My inclination is to go for more than £10k and take the risk, question is how much? Any other views considered. I did try the FoS – seems to be a waste of time in my view.
  23. CAU Restaurants Limited: how to claim redundancy or register as a creditor READ MORE HERE: https://www.gov.uk/government/news/cau-restaurants-limited-how-to-claim-redundancy-or-register-as-a-creditor
  24. Hi All, Firstly, this isn't strictly a PCN issue but it is related to one, so I'm not sure if this the appropriate forum and please let me know if not. My vehicle was clamped on 30th June and I discovered this and spoke to the bailiff on 1st July. I've submitted TE7 & TE9 forms to TEC so this should all be resolved this afternoon. However, I am going to make several complaints about the bailiff's actions as he was not only extremely rude and unprofessional when dealing with me, but also probably broke the law. Some background info: I called the bailiff (MO) on Sunday afternoon (01/07) but he didn't answer; he then called me at 10pm Sunday evening to discuss. During this conversation he told me the vehicle in question had been clamped previously and I had cut it off, telling me that because of this the vehicle would be towed immediately if I didn't pay the outstanding balance. When I contested this and asked for info his response was along the lines of "I dunno, that's just what the system says" and refused to give any further evidence. I was pretty incensed by the accusation so told him it was utterly false (exact words) and he hung up on me, refusing to answer again. Today I called him to get the PCN number then did my relevant homework and called him back to let him know I'd submitted forms with TEC and he should hear from the issuing authority by the end of the day. I asked him to give me his full name and registration details so I could submit a complaint about his behaviour last night and he outright refused, saying he didn't have to. When I told him he was legally obligated to give me his information he got increasingly angry and doubled down. He said he would show his certificate when releasing the vehicle but would not give details to me - to which I responded by saying we both know that will never happen as he will most likely quietly remove the clamp and then be gone. I eventually gave up with no information. I checked his name on the immobilisation certificate then checked the Certified Bailiff Register and found his full name and the court / company he's registered with, so am going to submit my complaints there first. My most serious complaint is that his attempt to extort me into payment by claiming I had removed a previous clamp (let me just state - I hadn't) is a violation of The Fraud Act 2006 Section 2 and his refusal to provide any evidence for this, despite it being "on his system" is also a violation of Section 3. So my question is this: who do I report this to and how? I'm currently drafting a complaint to Hertford County Court (where MO is registered) with all of this included, but would like to take this much, much further so he never attempts this stuff again. Having never submitted any kind of criminal charges before I have no idea where to start.
  25. Poundworld Retail Limited in administration: how to claim redundancy or register as a creditor READ MORE HERE: https://www.gov.uk/government/news/poundworld-retail-limited-in-administration-how-to-claim-redundancy-or-register-as-a-creditor
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