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  1. Hello, I wonder if you can assist, this evening I parked in a "PPS" pay and display car park, I paid for my ticket and put it on the dashboard, however it was particularly windy. Upon my return I have a parking ticket and look through to see the ticket facedown on the dashboard, I filled in an initial appeals form attaching a picture of my ticket showing I paid to park there, however after reviewing their website it says the following: Appeals will NOT be considered for the following reasons: Your ticket fell down/was blown off the dashboard/on the seat etc. Your ticket was not d
  2. Hi, I believe I've been incorrectly claiming Tax Credits for the past several years. I'm in the process of 'officially' moving in with my partner (we're getting married in a few weeks), changing my electoral role, bank details etc from my parents house. I looked at how I notify HMRC of my change in status (I'm self employed) and actually for the first time read the definition of 'living together as married' - which was a bit of a shock. Through total ignorance I should have been making a joint claim, not a single claim. I have stayed at my partners property varying amoun
  3. Has anyone else received a letter from Redstone (alias Melanite) Mortgages stating that the FCA has ruled that they have calculated some customers' monthly payments incorrectly since 2010 and that those customers are due compensation? If so, has anyone received compensation or a refund yet? I received such a letter stating that I was one of those who had previously been overcharged, but with no details of how much I would be refunded or when. It stated that my account has now been recalculated and my new payment will be £6 per month higher! I rang them for more information and was to
  4. I am writing this on behalf of someone else. Where i use the words me i or us means the person involved. Not me. I was employed as a mobile with a well known security company. My main job was to respond to alarms and deal with them. When i started my job off i was told that i was on a gauranteed 24 hour contract (weekly). I was not given any paperwork apart from some paperwork to show how and what i should be doing. I was told be my manager that i would recieve my contract in the post during the next 4-6 weeks. I also emailed my manager and he confirmed that i h
  5. Hi me again! SI had a copyright claim against a company last year which was transferred into my local county court on the small claims track. The judge ruled he couldnt hear the case as he knew nothing about copyright. It took him several months but he transferred it to IPEC (intellectual property court) in London. Now the problem is he didnt transfer it into the small claims part of IPEC , he wrongly transferred it into the main court and I am now facing costs of £10,000 against me instead of £120 maximum from small claims I have only just become aware of whats going on regardi
  6. I made a complaint against a county court which was uphold by the Ministry of Justice. As a consequence I issued a claim for compensation. I sent my claim to the County Court Money Claims Centrer requesting that the claim form was sent back to me so that I serve it myself on the defendant along with my particulars of claim within four months what I did. However I have received a letter from the solicitor of the defendant telling me that my service of the claim form is defective because according to CPR 6.10 I should have sent my claim form to the solicitor acting for the Government
  7. Hi, I visited my dentist last year on a requested appointment as I had tooth pain following a root canal procedure. The dentist didn't actually carry out any treatment on me as I just had inflamed gums from lack of flossing. When I paid for the appointment the receptionist charged me £18.80 for a checkup rather than £32.50 for "Urgent Treatment" which they believe should have been charged. Following this I received numerous letters requesting payment on the outstanding balance which I responded with via numerous phone calls and a letter requesting explanation for the shortfall which no on
  8. Hi, just a little quibble about the Form 4 I have received from my landlord. LL has filled in the form but has put that the first increase after 11th February 2003 was January 1st last year, but the rent has increased every year since i moved in to the property at the end of December 2004. I have to send a copy of the form to HB... is it important to have the correct dates? Hope someone can advise. I don't want to get in trouble with HB for submitting incorrect information to Council if it's important - they will be aware of previous (Jan 2016) rise as I was claiming HB at that time.
  9. Hi I feel as if I should know how to do this by myself but age is catching up with me & the brain's not as sharp as it once was so any help will be greatly appreciated. I went bankrupt in 2010 & was discharged in 2011. When checking my credit file with Equifax - all ok but Experian have a default with Provident marked against me, dated 2011 ! Prov were definitely included in the BR & I know they are wrong to have marked the default after the date of the BR so I wrote to them demanding they rectify the information they provide to Experian, posted recorded deliver
  10. Hi CAG I served a claim on a company through MCOL I then sent my Particulars of Claim within the statutory 14 days but Unfortunately i messed it up. I did not send the particulars of clam in the proper format .... with numbered paragraphs, statement of the case and statement of truth. I sent two invoices which were outstanding and a covering letter as my particulars of claim. I have just realised my error, but i am out side of the 14 day time limit. Claim was served on 25 July and I sent the incorrect particulars of claim on 05 Aug. Can i send another Particulars of C
  11. I recently (again) applied for a credit card to do a balance transfer. I was knocked back, which I found surprising so I decided to signed up to checkmyfile to see what had happened. I had applied for some credit cards a year or so back and thought perhaps it was my credit rating, so I did various things to improve it. I have not had any defaults ever or any late payments ever. It turns out Wonga had wrongly report on 25th of Jan 2014 that I had defaulted. Ironically when Wonga had their issues with sending threatening letters from fake lawyers I didn't think this would affect me
  12. I recently agreed a payment plan with Rossendales to pay an outstanding Vodafone bill of £49. Two days ago I received a letter from All Pay confirming the first payment of £10 and a schedule for the payment of the balance. However the letter was addressed using only my surname with no title or initial and it could have been opened by either my mum or dad with whom I live. Had this been the case there would have been upset and in all honesty hell to play! All Pay are saying it is not their fault and are blaming Rossendales and/or Vodafone. Is this a breach of confidentia
  13. Hello, Yesterday I had my timing belt changed at Trust group. Today I was driving to work with about 3 miles to go when the car lost all power. I managed to get the car into a lay-by and waited for recovery. When the roadside assistance arrived I told him what happened and he thought my alternator had gone (I thought this at the time too), when he tried to start the car he said it does not sound good, it sounds like the timing belt. He moved the engine cover and we both could see that the timing belt cover was not installed correctly. The belt was no
  14. Hi Not been back on this website for a good couple of years (which is obviously a good thing) but recently encountered an issue which has\will threaten to undo all the good work of getting all blemishes issue's of my Credit history... I have a perfect credit score for the past 4-5 years till today. I had a lease car for 3 years (Banque PSA Finance), no payments missed including the last payment, when the car was returned that there was excess mileage and damage to an alloy....for which they then forwarded me an invoiced ..which I assumed could not be added onto the end Agreement an
  15. Hi, I have received a letter today from Npower. "Your Payment scheme hasnt been set up correctly. We've tried to call you to explain an issue with your account setup. Unfortunately, due to a system issue, we were unable to set up your payment scheme correctly, so you've only been paying for usage on one fuel." I phoned the customer number, on hold for 30mins. She has said I have not payed for gas from 01/01/2014 - 25/01/16. I'm afraid I wasn't brilliant on the phone and wasn't sure what to ask. I am on a Price Protector December 2017 dual fuel setup which is paid
  16. A Double Yellow Line Traffic Management Order has been recently implemented outside of our house. We live on a corner at the end of a side turning. The order states that the original lines should be extended by 15 metres both sides of the road and go around into the 'main' road and be 10 metres along each side. The lines that have been laid are of incorrect lengths in all four sections. We have informed the Council Highways dept. and the CEO, and we are kept being told that they are correct. The TMO was changed from a previous one and it appears that they have l
  17. Hey all, Sorry if this is the wrong place to post this but I wasn't sure. I work for [removed]) and have done for 7 months. Since working there my name is spelled incorrectly everywhere I log into - even my name badge up until a few weeks ago. It's not a huge misspell - My surname is [removed]) but they have spelled it [removed]) everywhere. I brought this to my Team Leaders attention when I joined and they said it's not on - it's not my name and they will get it changed HR have refused to correct the mistake they made as they "wou
  18. Hi Guys I desperately need your help. I'm in a massive battle with Npower over inflated bills and they are being useless as ever. The problems started 2 years ago when they decided to change our meters. I was told this was a legal requirement (very rudely I might add) by npower. Once the new meters were installed, we started seeing problems straight away. I've been with npower for nearly 5 years and have always paid a direct debit to make sure that we didnt have a huge bill every 6 months to pay. However, once the new meters were installed, we didnt get a bill for a year down t
  19. I have today received a letter from GE stating that the interest on my interest only mortgage has been calculated incorrectly It states that the interest should be calculated daily and charged monthly , however it has been calculated monthly and charged monthly This has come out of the blue and contains no actual calculation and a credit has been charged to my account I recently had an experience with Royscott Finance , and because they had not supplied annual statements I received the full amount of interest charged over a 2/3 year period. Have I got any rights to get the
  20. 1st Credit have replied stating they do not have my cca and that at present they cannot enforce the debt:). A paragraph from the letter says "you have not specified upon which ground you rely for your notice under s10 of the Data Protection Act and therefore we do not consider this valid: furthermore this is not a valid request as it falls under the exemption in Schedule 2 section 2(a) of the Act" could someone kindly decipher that paragraph for me!!!:-|
  21. Hello, I am new here but have referred to the site quite often for advice. Unfortunately I now have my own problem. I have a Fashion World Online Account and have ordered without problem since 2013. Recently I ordered a Tutti Bambini Cot Bed for my new grandson. I have copies (screenshots) of all details in the advert and do this as a matter of course now. My son advised me that the bed was delivered this morning but without a mattress. This cotbed was £199 plus a delivery charge from FW of another £10 plus their £3.50 on top......fine. I looked at the adv
  22. Hi all, I'm not sure if there is anything that can be done, but I thought I'd check. My wife does our weekly shop in Tesco's using their scan and shop service, where you scan your items and pack them into bags and then pay at the till at the end. She has done this for over a year with no issues at all until last Friday (23/01/15). My wife did the shopping as normal but put a pack of Pampers Night Pants (£5.97) into a bag which she ended up not using otherwise. As a result, she inadvertently failed to pay for them. She left the store but didn't even reach the
  23. At my wits end with Santander. Back in early 2012 a transaction was processed on my account out of hours by my local branch. £200 was withdrawn manually this was not authorized by myself. After noticing my balance had been taken into the red, i contacted the bank who said go into branch to resolve, i attempted this three times and waited over 30 mins each time. In April 2012 after numerous collection calls and each advisor being told read the notes this is your error so please don't call again a default was registered on my credit file. Once this default was reg
  24. Hi all. I received a PCN yesterday 21/12/14 for "parked with one or more wheels on or over a footpath or any part of a road other than a carriageway (partly on footway) code 62 2" This PCN was issued at osborne grove E17 by Waltham forest council. I had just entered a shop for about 3 minutes, and as I returned the civil enforcement officer was starting to get the ticket ready. I explained my situation to him, that I had just run in to get some calpol for my niece, and that I was able to park here as there are no restrictions and he told me that a tiny bit of my
  25. This is a long and messy story, so I'll try and stick to the short version to begin with. Fifteen years ago I moved from my previous address to my current address, I informed my local Council (Shetland, for both addresses) that I was taking over responsibility for my current address, that I was no longer responsible for my previous address, and gave them details of whom I was given to understand was taking over responsibility for my previous address. All seemed to be good, and in order, until February/March 2013, when out of the blue I received two letters at my current address, from
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