Hi, New here, hope someone can help me. I received a Parking Charge Notice this evening, in hindsight, I should have noticed the sign opposite my car, but I didn't, so here we are. If you look at the image, the notice doesn't seem to explain exactly WHERE parking is restricted and I was parked by a kerb with no lines (yellow or otherwise) anywhere near it. The offence on the ticket is listed as "other" and scrawled on there is "no parking in garages" - I was not blocking any garage, it was on a side road which gave access to the garages but I wasn't blocking the way or anything. In any case, upon further inspection, the ticket has an incorrect reg. number on it (without giving my full reg they have written down an "M" which should be a "W" in both parts of the ticket) however the ticket does suggest that the offence was "filmed". My question is the obvious - what steps should I take now? I understand the advice is often to ignore, and given that they've incorrectly transcribed my reg I am inclined to do just that, however I am concerned that them having "film" of it may allow them to track me down anyway. Any and all advice most welcome (the charge is £100 or £60 if paid in 14 days, I'd rather not pay!) Thanks in advance! sign.pdf

I would appreciate some advice on the following matter, I am in dispute with a glazing company X that fitted my extension bifolding doors at incorrect floor level, end of last year. The doors come from a reputable factory and are of high quality. The cost of the job was not at all small and the balance was paid in full before the issue became apparent. Certificates and guarantees have been provided. When their surveyor turned up to measure, the screed had not been laid down yet in the extension. He argued that the finished floor level had to be provided and requested a sign off as a condition of the contract. This was liaised with the building contractor who provided the final floor level datum with a laser cross level, based on the existing house floors. I have learnt this is not something uncommon in construction due to the stages of work. It is important to note that the company did not refuse to undertake the work, it only set a condition as it was clearly requested the weather track had to be flush with the floors. Company X put everything on email, including heights of the weather track, screed and floor thickness etc providing four digit millimetre precision measurements for signing. Everything was noted with reference to the fixed support lintel of the opening. After double checking this with the building contractor it was signed off in good faith. Eventually the screed and tiles got in place and it became apparent the weather track was offset higher by about 14mm from the agreed floor level. Thus a 4 meter opening is now showing a nearly 20mm lip sticking out from the last tile. I revisited all measurements with high precision from multiple points of reference against the information provided on the order. Company X provided no plans or drawings for the system itself. There is absolutely no doubt from my end that the doors have been fitted higher by at least 14mm against the agreed floor levels on contract. It is also possible the doors were designed shorter. To make the really long story short, I contacted Company X several times and requested they come out to survey their work. They argued everything was fitted as agreed and blamed the builder. Emails and calls were never returned for weeks. I asked them to provide all the measurements for the door system but it was completely ignored. That was about 3 months ago. I expected they would at least come out to check the work, but that never happened which raised a lot of suspicions. To my understanding this is breach of contract, something they in fact requested to sign off. I decided to give the situation a last chance, submitting the case to the GGF of which they are members. I wrote to their conciliation scheme and sent a all the communications with the company, contract details etc. Company X replied in the same tone at first, "we don't understand why you went to the GGF, everything was done right, there was no screed" etc. The GGF allowed their member 21 days to respond, which the company ignored. Once the deadline passed, I complained that no consideration or reply was provided. The member was given a 14 day notice as part of the scheme, that I could not justify. On the last day of the extended period there was a three line response at about 6pm. Again, pointing out that heights were provided to them, there was no screed etc. They even attached the same contract that I had already forwarded to the GGF. On the last line they add they are willing to come out on site and "if the doors can be lowered" they will do this as "good will". All the building damages to be covered on my end! Full of empty words, they are covering up a cock up with a "good will" proposition while suggesting leaving me cover serious damages to a new building. I wrote back asking that the member submits the door plans requested 3 months ago. The GGF, that merely facilitates the communication and not examining the merits of the case replied, "Please be advised that our Member is simply required to satisfy your contract with them as agreed and signed for" This is not acceptable, although we are prepared to consider compensation we cannot accept this as "resolution". The company failed to inspect the work against the agreed heights and I cannot accept additional damages as a result of their negligence. Patience is running thin, the GGF have an arbitration scheme as a next step but I am not confident of their impartiality. I am also not going to let this company walk away, they acted really unprofessionally, they were given the opportunity to check their work and chose to repeatedly ignore it until I had to escalate the matter. I am now considering a two step proposal, a. they either take full responsibility for the work and damages to the building or, b. compensation reflecting the cost of bringing the work to the standard it should be as in the contract or taking to small claims to recover the cost. This will require a surveyor/expert witness involved which will obviously incur costs. Apologies for the long post Any thoughts are welcome!

Hi, TL;DR version of events: I received a SJPN. I believe I technically am guilty of the charge, but had ignorantly committed the offence out of sheer financial desperation, having had no money and just started a new job. I'm desperate to avoid a criminal conviction. I contacted TfL's IAP to apologise, explained my circumstances, and I provided proof for everything possible and asked to settle this out of court, and that I'm happy to pay the necessary fine. Today they finally responded - with a very generic response to say they wish to proceed with the case... However, the Revenue Control Inspector's statement is factually incorrect, has the date incorrect. The date provided is a date on which I can prove I had a valid ticket. Do I stand a chance at fighting this as 'Not guilty' in court, on the basis that their evidence is incorrect? Complete story: On Thursday 26th July 2018 - I was caught using my mum's 60+ freedom pass by a Revenue Control Inspector on my way to work. I had just started a new job 10 days before, on the 16th July. I had used the card between 18th-26th July (until I was caught) for my commute to and from work. I could not afford a monthly travel card at the time I had been caught as I had been unemployed for past 8 months; maxed out two credit cards, and had been borrowing money from my family to afford rent and food already. I only intended on using the freedom pass until I received my first partial paycheque at the end of the month. I'm not denying - it was a stupid idea, and I obviously hugely regret having used a card I had no right to use. I'm not typically a dishonest person, and this was my first and only offence. 5 months later, just after christmas, I received a Single Justice Procedure Notice, charging me for not having a valid ticket in a compulsory ticket area; 'Contrary to Byelaw 17(1) of the Transport for London Railway Byelaws made under paragraph 26, schedule 11 of the Greater London Authority Act 1999.' Understanding I was guilty of the offence, despite it having been committed out of sheer desperation. I'm also desperate to try and avoid a criminal conviction as I’m currently unemployed, and in search of a job again, and wish to avoid anything that might damage my chances of re-employment. So I emailed TfL's IAP email address, explaining my financial circumstances, expressing that this was my first and only offence, apologising and pleading for any way for this matter to be settled without landing me a criminal record for it would really damage my chances of getting employed again- supplying bank statements, credit card statements, providing anything and everything to support the facts I had stated. ... Today, I finally received a totally generic sounding email response from one of the prosecutors at the IAP department: “On the 27th July 2018 you were approached at ***** ***** station after using a pass to enter that activated the monitors. You produced a 60+ Oyster card that you admitted belonged to your mother. These passes are not transferable and therefore was not valid for you to use…” “…Transport for London intend to continue with the matter listed against you and I would advise you to complete the paperwork and return within the required timescales” I noticed that in their email response they have the date of the incident incorrect, (She said 27th July 2018 instead of 26th July 2018. On the 26th I was caught and cautioned, on the 27th, I actually paid for my fare and can prove it) Furthermore, the Revenue Control Inspector's statement says the incident happened on the 27th instead of the 26th. It's only on the second page of the SJPN under the "Statement of facts" that they have the date correctly stated as the 26th July. Do I stand any chance in fighting this case as 'not guilty' in court, on the basis that the statement given by the Revenue Control Inspector is factually incorrect, and if they were to pull CCTV from the 27th - they'd find that I'd actually used a valid ticket on that date? Any help or suggestions would be massively appreciated. I have 5 days to respond to the SJPN letter Many thanks!

Could you offer some advise on my situation please? I moved into a property in December 2010, and the Water bill was put into my name. I left this property at some point during 2014, at which point i had made no payments towards the water or been in contact with the water company. I've made good the debt now, ive actually cleared all my debts! My question is regards to the default date. The company placed the default in January 2016. They then applied for and won a CCJ by default in August 2016. I've raised a complaint as i believe the default should have been dated between March-July 2011. That is correct i assume? In regards to the CCJ, I have asked that they agree to have it set aside, as if they had placed the default on the correct date then it would have been statute barred. Im confident on my first point, how do you feel the second point (CCJ set aside) will be? I've already paid any monies i owe to them, but if they had placed the default correctly then it would have been statute barred before the date that they actually applied for it

Hello, i have had a loan with cash on go ltd peachy loans in August 2012, i didnt pay it back and they defaulted it on 07/11/2012 , this was showing on my credit file up until about a month ago when it just suddenly stopped showing on there. It has now reappeared in November but they have set the default date to one in 2016, when i have proof it was defaulted on 07/11/2012. Why would they do that? I have emailed the CRAs to tell them is there anything else i should be doing? Should i contact Peachy direct. I'm not 100 percent sure if it is it stat barred as i may have paid something in a payment plan but i am trying to find out yeh just to confirm its not stat barred- as i made payments in july 14

To provide some background, I have been helping my brother with his building development. His builder has now walked off site, is claiming that he is due extra money for alleged variations and has refused to return to site to complete the works until we settle the invoice for these alleged variations. He has now issued a court claim in my name although all invoices are in my brothers name (including the one for the variations, which is the subject of the claim), the property is in my brothers name and my brother has made all stage payments to date. The builders solicitor is claiming that it is acceptable that the builder has issued the claim in my name as the original quote was in my name. I would like to strike the case out as the invoice was not mine to pay and therefore the debt is not mine. Any opinions gratefully received.

First post so Hi and thanks for any advice offered. Had some windows/doors installed by a local firm in a self build property. There’s been issues since the start, leaking sliding doors, bay window out of square, no keys for window locks, runners corroded. The company haven’t been the most helpful in rectifying anything. I moved into the house I was building in March 2016 and I’ve had visits from the companies employees whilst I was living there, the last one about April/may. I still owed 10% of the £15k for the full job which I told them I would pay when my concerns were sorted. 2 weeks ago I settled the outstanding amount as I am going to take it to the small claims court. The guy I sold the house to works away and he dropped a handful of letters off last week from solicitors, ccj and bailiff visits with extra charges, all dating back to July/August. This was the first knowledge I had of a ccj and a writ. Thanks in advance.

Hi All, Any help would be greatly appreciated on how I appeal this parking Charge, I paid for the days parking via the PayByPhone app but selected my previous vehicle in error (same make and colour in list with similar number plate!). As per the sticky post here are my answers to the questions; 1) Date of infringement: 17/05/18 13:24 2) Appeal lodged: No (I have however opened the web page to do so!) I also have not received an NTK. 3) NTK Mention Schedule 4 PoFA: N/A NTK not received 4) Appeal after receiving NTK: N/A NTK Not received 5) Parking Company: SIP Parking Limited (SIPcarparks.com) 6) Car park: Tariff Street, Manchester. (Code 88841) I was parked legally in a marked bay and paid for the parking upon arrival, unfortunately I used my previous vehicles registration number. I have a history of using the car park on a monthly basis with receipts / records of each parking transaction and Reg number they are against. If paid within 24 hours: £35 7 days: £50 14 days: £60 Any help would be greatly appreciated! Thanks

Hi I have had an old debt with creation finance now managed by Lowell Lowell have confirmed that the last payment was in May 2011 but the default on my credit report is aug 2013, I would have thought it should of been between Aug and Nov 2011 under the 3-6 mth rule Lowell are refusing to change the default date and they are also saying its not stat barred as the default was registered in 2013 Now I know they are talking the preverbial bull about it not being stat barred but how do I go about forcing them to change the default date? cheers

Hello, I got a PCN from CPS Midlands Ltd, I looked and they are not registered with the BPA (British Parking Association) and they also not registered with the IPC (International Parking Committee). I checked through their members today (17th of July 2018). I paid £2 initially for parking and got a machine error and the machine did not accept any more change. And it does not accept cards either. I then paid £5 and got my parking ticket which I displayed on my dashboard. There were two machines at their premises with the same tariff sign next to each. One of their machines were inaccessible as it was fenced off by a building company, hence I used their other machine. I wrote a complaint to them by signed for post, but they wrote back to me requesting my full details including full name, phone, and e-mail. I believe I do not owe them anything and I believe they are trying to scare me into paying. This was an interesting read: www parkingcowboys . co . uk / independent-parking-committee, how they can even allow a non-independent investigation (IPC). I read on other forums, I read that IPC does not seem to be a fair association, rejecting all appeals, hence probably they don't want to be transparent www knowyourparkingrights org / News / faq The following link is also interesting www appealaparkingticket . co . uk / cps-midlands-ltd. But in my case, I am not only totally innocent but I overpaid their parking fees by 40% due to their machine error and this company charged £25 for help so they are not for me. If anyone knows more about "manage parking on private land knowyourparkingrights . org / News / faq If anyone knows what I am entitled to obtain from CPS Midland Ldt legally and what legal phrases to use to finally get them off my back, please help. Thanks. Newmosses seem to have a good success rate. Best K

Having some issues with O2 as of March this year as they have decided to link 2 accounts for another person with the same name and DOB as myself, however this other person has a middle name and i do not. I do not have any accounts with O2. 18/3/18 Received letter stating i was in breach of contract for not paying my O2 bill. 22/3/18 Received letter telling me they had stopped me making calls and texts. 23/3/18 Checked call credit report and O2 had already linked my address with the debtors in Janurary 18 and had both accounts listed. 23/3/18 Emailed call credit stating the incorrect information. 2/4/18 Received letter from O2 telling me they had disconnected my phone. 7/4/18 Requested credit report from Experian. 20/4/18 received letter from call credit stating that O2 had not bothered to respond to them, and are unable to amend the entries to my credit file without the permission of O2. 20/4/18 same letter as above also stating that the disputed entries will be supressed from my credit file, however, O2 can remove the suppression at any time. 21/4/18 complaint letter sent to Experian stating the incorrect accounts and linked addresses. 17/5/18 Received email from Experian telling me O2 had supplied the following details "The link is correct as the account was registered to the disputed address." 1/5/18 Received letter from Experian stating O2 had removed the accounts but not the linked addresses. 1/5/18 Complaint send to ICO about Experian knowingly registering wrong information on there systems even though it had been proved it was not me O2 were looking for. 5/6/18 sent SAR to Experian 5/6/18 SAR sent to O2 8/6/18 Received letter requesting what specific information i wanted from Experian. 11/6/18 Sent Experian an email stating i wanted the information between themselves and O2 to see what had been said about the matter. 11/6/18 Received email back from Experian stating that they had supplied the information the comparison data sets in the additional information i could request. No information regards conversations about themselves and O2. What O2 have done here is add accounts and linked addresses to a serial debtor on my credit report , opening the floodgates for all of these other companies to jump on the bandwagon adding CCJs , Defaults, Late payment accounts to my credit files. They are refusing to remove the wrong data from my Experian report and as stated above have not even replied to call credit about the issue. No reply as yet from the ICO as they are running 8 weeks behind about the Experian complaint. Next steps to take against O2 if anyone has any suggestions, AGAIN O2 are the ones that have opened the floodgates for all of the other comapnies to throw wrongful information onto my credit files without even bothering to do the correct checks. ***Please also note that my Experian credit report in April stated O2 were the source of the linked address, however my credit file in June states Experian are the source of the linked address*** Something funny going on i think. Thanks

Good afternoon all! I just wanted a bit of advice on a situation i'm currently in. i'd just like to state that i have no real legal expertise and knowledge lol at the start of June 2017 i got myself a BMW 530d on finance through the company i used to work for. they kindly offered to insure the car through the company due to the mileage and business use i was doing with the car. on the 28/06/2017 i sold the vehicle on finance to a customer. he has then ran up dart charges and 2 PCN's which i have had to pay (£513 Each, so total of £1026). I had actually sent a copy of the finance agreement to all parties as part of my representation when the fines originally came through. waltham forest council have stated that its on the file but newham council and dart charge claim they never received it so all 3 then still continued to chase me for payment. I paid the fine for the two council PCN's as it had got to bailiff stage and a bailiff was at my house. however, i have got a HPI report on the vehicle which states there was a change of ownership on the V5 on the 28/06/2017 which is the new owner. I'm now thinking can i get any form of compensation for all the trouble and hassle this has caused. The one bailiff entered my parents house and was asked to remove his shoes as we have cream carpet but he failed to do so and continued to walk around the property so i now have to pay to have the carpets cleaned which is annoying as well as now putting me in a situation whereby I've been paid from my employer but not left with anything for my bills due to having to pay the fines. on these grounds do i have any basis to challenge the enforcement companies and take them to small claims court to get my original £513 back for what i paid, I've incurred late payment charged on 2 bills as a direct result of having to pay for a fine as well as the cost of cleaning the carpets? Any help is appreciated

Good Morning Caggers I got STL Heating to install a New Intergas Boiler for me. The initial Installation was fraught with issues, but they corrected the mistakes I pointed out to them. However, the system has not worked properly for the 2 months since installation. After no HOT Water again, I had to pay £145 for a gas engineer to come out to tell me that their installation was incorrect with several issues. I got this on a finance package with them through HITACHI, however, STL aren't taking my calls. What level of recourse do I have as the local Gas Engineer says the boiler works, but by STL Heatings own admission on the sign off paper, it highlights an installation. The cost to fix is circa £1000. Many Thanks

This is a long story, so I'll try and cut to the chase. Back in 2013 we moved into a property. The landlady who we were renting off asked if she could continue to be registered at the address. She agreed that she would cover all the council tax bills for the property. Two years later we received a letter from the council to "the occupiers" asking us when we moved into the property. We truthfully told them the date. Two months later, we received a massive bill from the council for two years worth of council tax, backdated to the date we moved in. We got in touch with the landlady who admitted she had not paid the council tax. We were now stuck with a £2300 debt when in fact it wasn't our debt. To add to our problem, the landlady admitted she had been illegally claiming benefits from the property whilst we were living there and she could not admit that she was due to pay the council tax as that would lay her wide open to prosecution. We contacted the council and explained the situation, but they wouldn't discuss it. As far as they ( capita ) were concerned, we were liable and they had passed the debt onto Ross and Roberts for collection. We rang Ross and Roberts, who were in fairness understanding, and they agreed a repayment plan which we stuck to like glue. In December 2015 I contacted them to make a payment and they gave us a figure which they said was the amount needed to clear off the debt. I then paid that amount and was told by the lady on the phone that the debt was now paid and we owed nothing more. They would cease any action against us. We didn't think any more about it We got a letter from the council saying we were in arrears with our council tax and they were taking us to court. I went into the offices to talk to them they told me that there was still £470 owing from the previous liability order and that they'd used my council tax payments for that year to clear this off. I explained everything about Ross and Roberts, how they said we'd paid it all off, but the woman insisted that they hadn't collected the full amount and had left £470 uncollected. That was why they were using 2016s council tax payments to clear off those arrears first. After much arguing, they agreed to cease the court action and use the money we had paid for the current years council tax. As for the £470 owing they would simply add it onto the bill and we could repay that on top of the current years council tax over the year. Owing to financial problems we fell into arrears with the council tax, and because as they put it "you have a bad history of paying" they just sent the matter to the courts and we were given another LO. When we contacted Ross and Roberts to sort out payments, they told us that there was still a LO for £470 owing which they were treating seperately, and had added £310 costs onto that bill. Not only that, they added £310 onto the amount for that current year as well. Had Ross and Roberts not told us that we had paid off the full bill, back in 2015, then we would have carried on making all the payments as planned and we wouldn't have been hit with a huge amount of fees, not only for the £470 that they incorrectly didn't collect, but also because that then had a knock on effect for the current year, and owing to us owing the grand sum of £110 for the current year, they whammed us with £310 charges for that. So if you can understand it, we ended up paying £620 in bailliff fees for two liability orders. One for £110 which I accept we owed, and £470 which Ross and Roberts had themselves told us we didn't owe it was their mistake when they didn't collect it as they should have done back when we were willingly making payments to clear off a debt that wasn't even ours in the first place as the landlady should have paid it.

last year I helped my grandmother switch from EON to Scottish Power to save some money on her energy bills, in October of last year when they requested meter readings we noticed that the previous meter reading showing on their website was in the region of 6000 units lower than the reading we had just taken. We contacted Scottish Power using their online contact form and explained the situation, they requested a photograph of the meter showing the serial number and current reading, then confirmed that the serial number was correct and that the meter read was indeed anomalous. At this point they requested we take photographs of the meter reading every day for a week to check if there was an issue with the meter reading too fast, we provided these at the end of the week the usage seemed normal, Scottish Power determined that the previous supplier had given them an incorrect opening meter read. On 2nd November Scottish Power advised that they would go back to the previous supplier and request that they amend their final meter read to a correct one and that within 28 days the opening meter reading on the Scottish Power account would be corrected. Shortly after my grandmother received an amended final bill from eON for £90 which showed they had amended their final meter read to the one specified by Scottish Power. After this was paid we just assumed that the issue would be resolved. Come late December Scottish Power sent an automated mail requesting meter readings so we took these, upon logging in to the website again we found that the online account still showed a meter read 6000 units too low. I replied to Scottish Power's e-mails on the matter on 25th December and received a response on 2nd January apologising and stating that they would once again get in touch with eON to have them amend their final meter read and that the issue would be resolved within 28 days. I immediately replied to this e-mail on the same day, advising Scottish Power that the previous supplier had already amended their final meter reading and that the issue was with the Scottish Power opening read, and that any changes needed to be carried out by Scottish Power. I never received a response to this mail. I sent another mail reply on 13th January, beyond the automated "We will respond within 48 hours" there was no reply forthcoming, and the online Scottish Power account still shows a meter reading 6000 units short of what it should be. As far as I can tell what's happened is that either Scottish Power have made a mistake when opening the account, as it appears from the amended final bill that eON did provide a correct final read originally, or shortly after opening the account a Scottish Power meter reader came to the property and read the meter, because the meter is at floor level they mistook a 6 for a 0 and then amended the meter read downwards themselves. We just want Scottish Power to amend the meter read on their system so that we can submit accurate meter readings without running the risk of being charged for 6000 units of usage that has already been paid to previous suppliers. Long term this issue also prevents switching providers as the new provider will be given the incorrect meter reads and the problem will start all over again. All communication with Scottish Power so far has been in writing via e-mail and we'd prefer to keep it that way so that everything is recorded/documented. I was planning on following the Scottish Power official complaints process this weekend, before that I was wondering if anyone here had an e-mail address for the Scottish Power CEO that I could try and contact on my grandmothers behalf and see if they can get this issue sorted out faster.

Good morning, I have recently received a parking charge notice from parking eye, to which I have appealed and provided proof of parking twice and they have rejected both times. Can you please help? please answer the following questions. 1 Date of the infringement 06/07/17 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 21/07/17 3 Date received 26/07/17 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] Not that I can see (howver I am looking at a scanned copt at the moment could be on the rear will check later) 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? {y/n?] post up you appeal] Yes. I am afraid I do not have a copy of my appeal but all I wrote was "Please see attached proof of parking, I accidentally enetered my old cars registration in error" The above is from memory so wording may be slightly different. I attached a copy of the parking ticket. Have you had a response? [Y/N?] post it up Please see attached Dated 01st & 23rd August. 7 Who is the parking company? Parking Eye 8. Where exactly [carpark name and town] Crown Wharf Shopping Park, Walsall car park For either option, does it say which appeals body they operate under. BPA If you have received any other correspondence, please mention it here. I received another parking charge notice, to which I appealed again the same as above then I received the below the attached dated 12th October 2017. Many thanks for your help and support. 23 August 2017.pdf 12 October 2017.pdf 01 August 2017.pdf

Hi, My son has received a Single Justice Notice Procedure having been stopped for no Insurance. Stopped on Monday 3rd July - the day he started his new job at 6.35am. However, the police officer wrote the wrong date on the ticket - he put 3rd June which was a Saturday, although in his written statement he has put the correct date. Any chance of getting this thrown out as the police officer's evidence is inconsistent? Roadside ticket is dated for a completely different day.

I am a director of a company and a claim has been raised against me, rather than the business entity. How should I go about the claim. Should I apply for summary dismissal (I know I probably wont achieve it) or should I simply defend on the grounds of not being the entity. Then if the judge allows the change, then defend as the director of the company. Thank you

The property has always been let to tenants using a letting agent. Local authority are always informed of tenants who rent the property. The tenants are always instructed to register for council tax and household utilities. Between 2015 – 2016, the property was let to a tenant who was in receipt of both housing benefit and council benefit. I’ve since found out that the local authority have managed to obtain liability orders and a charging order for non-payment of council tax for the same period, between 2015 - 2016. If the outstanding £1,600 council tax arrears are not paid then the local authority will force the sale of the property. This does not seem fair or correct. The local authority refuse to speak to me directly. I have asked the local authority to show me that they followed the correct process. I have also made an identity theft report to the police because the local authority have associated my name to properties which I have never lived at or have no knowledge of.

Hello guys, So this morning I had a letter through the post stating the following: PARKING CHARGE - NOTICE TO KEEPER Vehicle Registration: redacted Vehicle Make / Model: redacted Site Name: Ferry Meadows Period of Parking: Sunday 11 Jun 2017 18:06:52 to Sunday 11 Jun 2017 19:16:24 Reason for Issue: None Payment of Parking Amount of Charge: £50.00 reduced to £25.00 if paid within 14 days Driver Liability The driver of the above vehicle is liable for a Parking Charge in the above amount which, at the date of this notice, remains unpaid in full. The charge having been incurred for the reason as stated above and liability for the same having been brought to the attention of the driver by clear signage in and around the site at the time of parking. Register Keeper At the time of this notice the creditor does not know both the name of the driver and a current address for service for the driver and as the registered keeper of the vehicle YOU ARE NOW INVITED TO (i) Pay the unpaid Parking Charge; or (ii) If you were not the driver of the vehicle, to notify us of the name of the driver and a current address for service for the driver AND pass this Notice on to the driver Appeal In the event that you wish to dispute liability for this Parking Charge, within 21 days, (beginning with the day after that on which this notice is given, please provide your full name and address, vehicle registration number and the Parking Reference at the top of this Notice providing your full reasons. Appeals should be sent to (insert email) or by post to Appeals Dept, Unit F the Court, Kestrel Road, Manchester, M17 1SF Appeal decisions should be provided within 28 days. In the event that your appeal is unsuccessful then we will provide you with appropriate details enabling you to lodge an appeal to an Independent Appeals Service. Details of the appeal procedure can be found at www the IPC info Payment Payment should be made at parkwithease co uk, or by sending a cheque to the address above quoting your reference Cheques SHOULD BE MADE PAYABLE TO PARK WITH EASE Today after receiving the notice, I returned to look for the signs, on leaving there is 3, however very small. and often just a P with a £ under it. There is also no signs showing that its CCTV monitored. The time I was there is also incorrect, at the time it states is actually when my car was parked on my drive. - After checking I don't know if this is true. I thought this was issued in July. Looks like I am going to get 2 tickets coming! I would appreciate if someone will let me know what my rights are and if I should appeal. On a side note, if I do decide to pay, there website is not HTTPS protected and who does cheques anymore, so will probably have to call them anyway. Thanks, Tom

I took out a refresh contract with O2 in December. Device arrived and a few weeks later I called, paid off the device plan and requested cancellation of the airtime. Received letters stating it had all be cancelled etc. Fast forward a few weeks and I start getting emails saying I had early termination fees. Each time I would call and explain it was a refresh contract and they would say yes sorry, sent in error. Then a week later I'd get another email and would call again. After 5 calls these stopped, only to be replaced by emails telling me my bill was late as I'd cancelled the direct debit. I spent another month doing this every week. I assumed it was all sorted until I took a look at my credit file last week and say o2 have placed a default of £95 for early termination fees! I have called o2 ten times, each time speaking to a different customer service rep. Non of them even know what a credit file is (they're not UK based) never mind why I care that there is a default on mine. They all say don't worry you don't owe anything. But my credit file now shows a second month as defaulted. I can't seem to actually get through to anyone who can deal with this and have no idea what else I should do? Any advice at all is appreciated. Thanks

Our car was involved in an accident a few years ago to the front of the car. Other party admitted liability and was repaired, that part is all settled and no problem. However during the collection of the car for the repair to be carried out, the recovery vehicle driver had to fit the tow bar on the car (it has no tow hook and was stuck) and was very vigorous in his attempts to put the tow bar in place. On return of the vehicle, it was noticed that there was a hole in the panel above which surrounded the access cover to fit the tow bar. I took photographs and said that the car was not like this before it went to the garage. So the attempts to fit the tow bar resulted in cracking of the panel and subsequent falling off. They agreed to replace the parts. And the car came back with a rear bumper with no holes in. However, now comes my problem, I have had no need to tow anything (I don’t have a car trailer) and the car hasn’t been stuck anywhere necessitating use of the tow bar to pull it out of anywhere. Today I did need to fit the tow bar and cannot because the aperture to put the bar in is partially covered by the new surrounding and it is not possible to open the electrical cover for attachment of a trailer. To use the tow bar now requires the dismantling of part of the bumper which is very difficult and time consuming and so far have not been able to do it. So the part they used is not the right one to use with the tow bar that is on the car and the small access panel is useless to access the tow bar fixings Unfortunately my insurance company says they have limited details of the repair as it went through the other party’s insurance but would have been 5 year warranty (within this time scale) if we had gone through our insurance. I have looked up the repair warranty details and it says 3 years and not within time scale. But this wasn’t part of the accident claim, it was damage the repair company’s driver did to the vehicle, so I am a bit unsure if it has been left too long to claim? I am familiar with small claims procedure. Any ideas? Thank you

Hello, I am looking for some advice. I applied for a mortgage in December after receiving a Decision in Principle earlier this year. I was disappointed for the application to be declined based on my credit file. I got a copy and noticed that a default from 2012 with Motormile had been moved to 2016, which is likely to be why the mortgage was declined as other than that my credit file is clear. I contacted Motormile who admitted to their administration error and said they would update my file in 4 weeks. After 4 weeks it wasn't updated so I chased again and they confirmed it would be done within 2 weeks. After 6 weeks it was finally updated. 2 days later I was about to submit my mortgage application again, went on to quickly check my credit report again and noticed the default has been updated again with a 2016 date! While all of this has been going on the seller has been getting quite upset (rightly so) and at this stage it looks like the house purchase will fall through because I can't secure the mortgage. I know if this default is updated I will get the mortgage though. does anyone have any advice on getting Motormile to fix this again and update the CRA's immediately, is it even possible? I have reported it to the ICO but I don't have time to wait on them investigating. Previously I raised notices of correction with the CRA's but they all came back to say they were not updating their records, even though I have correspondence from Motormile saying the date on my credit file is incorrect. Thanks in advance!

Any advice anyone could give on this matter, I would be incredibly grateful. I have wanted a signet ring for some time, and my girlfriend said she wanted to buy it for me for Christmas. So that I got the exact ring that I wanted, I was tasked with purchasing it . I got in contact with a jewellery company based in London (we'll call LJC), and asked for the dimensions of two of the rings displayed on their website, and also asked for photos of these rings being worn on the finger. The two rings I enquired about varied in size (ring 1 was larger in face size), weight (ring 2 was a 'chunkier' ring), and price (ring 2 was around £80 more expensive). The jewellers responded with the dimensions of each ring, and pictures of what they said was ring 2 being worn. They said that ring 2 had a face size that was too large to be worn on the little finger, and was more suited to be worn on the middle finger. As the ring in the pictures (what I was told was ring 2) was exactly what I wanted, I purchased it (5th December 2016). It arrived four days later. I opened the package and saw the ring briefly, before I put it back in the box and took it to a local jeweller to be engraved (the jewellers I bought it from did not offer engraving). The ring came back from the jewellers a week later (just before Christmas), and it was wrapped and put away until Christmas day. After opening the ring on Christmas day and I started to wear it, it soon became obvious that the ring that I had been sent was not the same as the ring in the picture that I had been emailed, despite them supposedly being the same ring. The ring that I have been sent has a larger face size (it looks a bit too large to be worn on the little finger) and (more importantly) the depth of the face/table of the ring, is significantly thinner (the rink is not as chunky, and looks a little 'flat'). I now have a problem. I have spent over £400 on this ring, and it is not what I wanted. The ring is too large (in face size) to be worn on the little finger and is not as chunky as I had wanted. I am not happy with the ring and do not wear it. If I had noticed that the ring was different, I would have immediately sent it back for a refund. However, the differences were not immediately noticeable upon first inspection; it took some wearing and looking at it for me to realise the differences. It has now been engraved, and since the time since purchase is over 28 days, I cannot return it for a refund. Do I have any rights to a refund on this product? The retailer has provided me with clearly incorrect product information (in the form of the ring dimensions and the pictures), and I believe that they have therefore breached the Consumer Rights Act 2015. However, as stated above, it has been over a month since purchase and the ring has been customised. Any advice anyone could offer on this, I would be incredibly grateful. Many thanks.

Hello, i would greatly appreciate any advice and help with how to deal with my NIP I received yesterday. I will try to give you as much information as possible but as im new to this and its my first NIP i may overlook something so please forgive me. I was travlling at 83MPH on the A417 towards Swindon (just before it turns into the A419) I will state now i do admit to doing this and fully accept the responsibility but i hope i may have some luck on my side and may be able to get this overturned the letter states Offence Speeding - exceed 5/18/20/30/40/50/60mph limit for a good vehicle - manned equipment I have 3 questions regarding this; 1: Why have they listed all these speeds? 2: the speed limit on this road is 70 not 60mph, would this affect a conviction? 2: The letter states that the vehicle I was driving as a "goods vehicle" however, I was in my Ford transit which is less than 3000KG, again, would this affect a conviction? having read other forums i have seen a case where someone was let off because the speed limit was incorrect. My question is, due to the comments above, is there any advice you can give to help me respond to the NIP, which may allow me to overturn the conviction? Thank you all in advance Nic