Hello, first of all I would like to say I'm really glad I found this forum. After looking through some of these recent posts, I've noticed that others have had invalid 16+ oyster cards made for them and also got into trouble with inspectors. My case however, seems to be slightly different. I am an 18-year old student currently in full time education. This means that I am entitled to a 16+ oyster card already, and eligible for free travel. However, I couldn't figure out how to make the account and actually get the oyster card. I've noticed a lot of people on social media getting these 16+ oyster cards. At first I assumed this was for people who didn't know how to set up the account themselves. There was one particular guy on Snapchat, who was advertising these 16+ oyster cards. He kept posting people using his 'service' and thanking him and since I didn't know how to do it myself I just decided to let him do it for me. I messaged him, and he said he will do it for £50. At first I was like what the hell, £50 just to set up an account? But since so many people used his service I thought it must have been a complicated process (which is a very stupid thing to assume now that I look back on it). But of course me being the stupid 18 year old, I thought to myself that I want to get an oyster card as soon as possible since I was tired of walking 1+ hours to get to college and the guy convinced me he will have everything ready for me within 15 minutes. I have recently started working my first job, and got my first couple pay checks I'm stupidly thinking "whatever I can afford the luxury of having this done for me". I send this guy a photo, my address, my full name and my date of birth. He sends me back log-in information and I pay for the £20 oyster card fee. Few days later my oyster card comes no problem. Now, I'm in my last year of college (finishing in 2019) but my oyster card expiry date said 2020. I message this guy on Snapchat saying why does it say the oyster card expires in 2020 when I'm finishing college in 2019. He says to me that on the system it will say I'm 17 years old, but because college is usually a 2 year course it will expire then. I was thinking that's really odd, I assumed the system would obviously say my actual date of birth. I should've noticed this is a red flag, but I had already received my oyster card I'm thinking that TFL obviously must have checked the account, and confirmed that I was eligible, otherwise I wouldn't have received the card. I just brushed it off without thinking much about it. Fast forward about 1-2 months of using the oyster card no problem, inspector comes on and I give him the card. He asks for my name and I point to the card and say my name. He asks for my age/date of birth. I was born in the year 2000. I say my actual date of birth, but remember that the guy said on the system it will say I'm 17. said "10th of May, two thousand-----and one" I added the "one" at the end thinking that it will say I'm 17 on the system so it would make more sense. Inspector says okay, and it was my stop approaching I let him know that it's my stop and he nodded his head. I got off and that was that. Didn't think anything about it at the time. Fast forward again about 3 weeks, my oyster card stops working. I didn't for a second think that the inspector thing and my card stopping was related at all, in fact I had already forgotten about him by that time. i'm wondering why my card stopped working. I'm talking to my friend at college later that day and I asked him if he's got a 16+ oyster card. He says yes. I ask is it working? He says Yeah. So I ask how did he get the oyster card. He said he made an account on TFL, printed out a form, got it stamped and signed by the college and sent it to the post office. I was like "oooh damn I didn't do that, that's why it got stopped". now I'm annoyed that my oyster card is not working when I paid £50 for it, especially now that I know how to set it up myself and the guy never gave me a form to give to the college. I look for this guy's Snapchat that got me the oyster card, and it seems that he deleted it. I'm really annoyed now but oh well, I guess it's a lesson learned I thought to myself. I had about 6 more months at college by then I just decided to start walking again so that I didn't have to pay another £20 fee. Now here's the ice breaker. About 1 month after this I received a letter. Boom - I have been summoned to court for the use of a 16+ oyster card that I was not entitled to. It says that the inspector which questioned me asked for my date of birth, and I gave him the wrong one in order to make the card appear valid. It then says when asked for my name and address I got off the bus without providing them?? This came as an absolute shock to me. I gave my name, I was definitely never asked for my address. I gave that date of birth thinking that's what it will say on the system. With the letter, came attached a print screen of my account details (which I haven't seen before). My date of birth was completely wrong. Wrong day, wrong month, wrong year. And now it appears that I have to be at court and pay a fine of about £400, plus a potential criminal record? I tell my dad the whole scenario because he has handled cases before. He gets a bit angry thinking why I didn't ask him to help me make the account, but I recently turned 18 and just wanted to do stuff without asking anything of my parents. he says I need to actually get a legitimate 16+ oyster card ASAP, to prove that I'm entitled to one. So I did, and it just arrived yesterday. I wouldn't really be worried about this that much since I wasn't aware of doing something wrong, I was just really stupid to see it. But it seems that even if you do something like this wrong mistakenly, you're still at fault so I'm a little scared. I've never been in trouble with the law before and had no idea what I was doing was illegal. What makes it even worse is the fact that the letter says that I got off the bus when asked for my name and address without giving them. But this is false, I did give my name and I was certainly NEVER asked for my address. But I'm guessing that they will take the word of an experienced inspector than a dumb 18-year old boy? Should I be worried? Should I expect to have to pay the fine and/or get a criminal record? Court is supposed to be 6th of March, I'd like to settle out of court but if that's not possible, I'll plead not guilty because I was not aware of doing something wrong. I do admit and take responsibility for being stupid and not realising that the Snapchat guy saying "it will say you are 17 on the system" is dodgy and doesn't make sense. But that was when I received my oyster card, and I thought that as long as you receive one from TFL they would have checked the account and confirmed it eligible. Should I contact TFL asap and explain everything as I have here? I just need advice on this situation and how to approach this. Please note that I am an 18-year old who knows nothing about law. I would've never in a million years thought I'd have to go to court during my lifetime, considering my extremely boring lifestyle. But now that I'm here this all feels surreal and I'm filled with anxiety. Advice is greatly appreciated, and I apologise for the long read.

CAN ANYONE WHO READS THIS PLEASE GIVE ME SOME THAT IS CORRECT AND FACTUAL BECAUSE I HAVE TO HAND IN MY DEFENCE FORM AND EVIDENCE TO THE COUNTY COURT TOMORROW. This is something I think everyone should read as it may help you defend a sec 21 and eviction. I will give as much information a possible without it becoming to long to read or confusing. I will refer to the Landlady as She or Her. In August 2017 I moved into a self contained unit in a house that had been converted to 6 flats each with electric meter, bathroom, simple kitchen unit but still classed as a self contained studio. She did not take a deposit to avoid depositing it. Even the kitchen and bathroom had been converted into flats. as it had been done a few months before the other 5 tenants and i had moved in there was a lot to been done yet the landlady still demanded the £800 monthly rent. In addition the electric had been sub metered and we/I were have not been given a top up key or card we had to give Her £10 every Sunday and she would use a disposable prepaid card then tore it up so we could not read what was on it. She was charging us 20p kwh day or night. She put the heating radiators on when it got cold in December and put it on a timer to suit her as she was paying for it. I noticed that the extension at the back had walls that were not straight and all partition walls had no insulation. Heating the place got very expensive costing Me £40 a week. That suited her very well that she gave every tenant an electric blanket for Xmas . All the other tenants praised and thanked her saying she was the best landlord ever. OK I WILL EXPLAIN VERY BRIEFLY By now it was clear that getting them to report her to the council would be futile so I did it myself in January. They told her and she gave me a section 21 as tenancy was 6 months. I read it would be invalid if name was spelt wrong and she put a O instead of A. I had broken my leg badly mid January at work so was off for the next 6 months and being self employed the council now paid my rent. BTW....4 other tenants all on ESA and taking illegal substance paid for by tax payer. I thought council would take action but nope. I lived in a hostile place but they slowly came around to listening to me when I showed them how she was robbing us. It was only 30 June 2018 that a enforcement notice came from the council stating no planning permission and illegal use as flats that has to be rectified within 4 months of the notice. I thought finally they took action even though very late. 11 July an eviction notice is put under my door saying I had to be out on 19 July. Seems she had had a tenant get all important mail so I did not even get the defence form. i text her and asked where all that information was and she just replied i have until 19th. On 18th in went to court with a few photos of the place and n244 to stop eviction and give me a hearing and got one for 20th. On the 19th she came to the house and thought I was out I could hear her shouting to a tenant in room 6 above me as I am 4, asking why he didn't tell her I went to court etc. I ignored them and did my research for hours trying to find something to help as I knew the wrong spelling would not be enough when she tell court a lie that I got all letters from court. I was up all night and went to court for 10am and she was sitting there looking all confident. what I did was to tell the judge that the sec 21 was invalid because the EPC she gave me was not valid as law state every self contained unit must have its own EPC. she must pay me £200 and face a fine of 5000. I went on to say the GAS cert she gave me was also invalid because it has a Beko gas stove test results in the kitchen....OPPS, there is no kitchen in the house or gas stove, I went on to say the law says if she sub meters electricity she can't charge more then what she is paying the supplier and if she did she is to pay me back double plus the bank of England interest rate (needs better explaining I m writing fast as its getting late) she charge 20p and at times was paying 10p. The Judge had to look up everything I said for 30 mins then came back and told her I made my case the sec 21 is cancelled. She did say anyone can say they didn't get the defence form and he explained that when I got the eviction notice I contacted her and took action in taking evidence to court, And that did not make a difference because my EPC evidence is water tight. She kept insisting about the defence form so the judge said he will give me the form and other docs and I should file my defence form in 14 days which is tomorrow. to make things worse she offered me £500 to move out as she needs the property empty to do the work and I turned it down. She turned my electric off this past Monday saying she was changing the meters. Yet I told her I was doing my evidence for court and she kept it off all day. My question is can counter claim and ask for the £920 paid in electric, £200 for epc, my time and expenses gathering evidence and the stress I been through in the past 2 weeks or do I have to file separately in small claim court? I also want the court to award me an amount that will get her to know she is not above the rule or law because she has 12 other tenants living in the same type unit as I and just yesterday she tried to rent flat 1 that got vacated when she gave a sec 21 because he spoke up to her Thank you for your time.

I just received a Local authority PCN, which correctly lists the make of my vehicle but incorrectly lists the model of my vehicle. Is the PCN therefore invalid? Thanks

This is yet another important decision from the Local Government Ombudsman and one that once again makes clear that if a debtor who is subject to bailiff enforcement considers that he may be 'vulnerable', he must be prepared to provide evidence and outline how his 'vulnerability' affects his ability to deal with the debt. In brief, Mr B's complaint was as follows: Mr B incurred 5 penalty charge notices. He believes that there is a law from the year 1600 that means that he can’t be fined and so can park anywhere. He and his wife both have Blue Badges and he considered that being granted a Blue Badge means that he has meet the criteria for ‘vulnerability’. Mr B told the Council he was a vulnerable person. However, he had not explained why he considers he is vulnerable. He was of the opinion that it is the Council’s job to prove he is not. Mr B complained a business centre issued the warrants rather than a court and so were invalid. Mr B complains that the bailiffs did not have the correct warrants. The Council has said the court sends the warrants electronically and so there are no paper copies. PS: A copy of the decision can be read in the following post.

I have a few queries that I hope people can help with 1) Can a party ask for Additional Information - if a Claim has not yet been allocated to a Track. Can a Court allow Additional Information - if claim not allocated? 2) If other case management issues are held the same time as a Strike Out application wouldn't that prejudice the Strike Out? 3) How long after the Directions Questionnaire should Allocation take place? 4) In Discrimination cases are Assessors needed for a Strike Out - as this could be Final Hearing. Thanks.

Hello all, We have submitted a defence and then received the DQ. This was returned to us as invalid due to my partner filling it in and asking me to deal with it on her behalf. We have resubmitted another one and they have rejected this as the surname is different to the claimant. We are married now so my wife is using her current name, they wont accept it as the claim in in her maiden name. Can they do this? I feel like they are doing it on purpose because now we are over the 14 day limit to have the DQ filed.

Hi I was involved in a minor car accident recently and the third party decided to go through insurance as i hit the back of his car and theres no DAMAGE!! . So i put in a claim through my insurance and they asked me a series of questions. They asked if i had any penalty endorsements and i said yes, i got a SP30 on 15 July and took out the car insurance on 18 July...anyway i didn't declare this. When i explained to them what happened at the accident i mentioned i was on my way to work and my insurance is only SD&P. It just came out my mouth, i was really on my way to work but i wasn't driving to work, i had to drop the car off first to my husband and then i was getting public transport. So now I'm thinking they will say i lied about the use of car just because something came out my mouth that wasn't correct. I was involved in a accident and the third party driver was intimidating :'( . Not only this on the policy i said that the registered keeper is my spouse. Now let me explain that part, the car is on finance that my brother got for me and my husband. I was suppose to change the details over to my husbands name but it just skipped my mind. Now the insurance company are probably going to invalidate my insurance and might not even pay out the third party. Im dying thinking of this, I'm waiting for the underwriters to get back to me. Has anyone been in this situation if yes i would love to hear from you. Or does anyone know what can happen??? In worst case scenario if they void my insurance will i go to court, will i get a ban???? Omg I'm feeling depressed at the moment its on my mind 24'7.

Hi folks. I'm new here. Hope this is in the right section. In short, I rented a shop and ran a business. I signed a lease for 2 years, commencing April 2012. At this time, I opened an account for supply of gas and electricity with British Gas. By April 2013, I decided to close the shop. My landlord agreed that I could vacate after just 1 year as we came to a financial arrangement. At this time, I contacted British Gas to advise them that I was closing up and asked for my account to be closed. I was issued a final bill in May 2013 and I paid in full. The account was closed. Recently, I've received a DCA letter at an address I now have a new business at, chasing £1400+ on behalf of British Gas. I called British Gas and, apparently, in September 2013 my ex-landlord called them to state that I was actually still occupying the premises and that the account should be re-opened in my name (and not put in to his name by default)! British Gas apparently did as the landlord requested and so from September 2013 until now I've apparently been accruing standing charges for a premises that I vacated a long time ago. British Gas are telling me there's nothing they can do, it's a "third party dispute" between myself and the landlord. I don't understand how an account can be opened in my name without my knowledge, for a property I don't occupy, on the say so of an apparently rogue landlord. Any ideas guys?

I have been putting a lot of creditors off for over a year now but the defaults are really starting to hurt. I want to take on Barclays first as they sent a copy of a T&C booklet as their s78 response (as I know they do quite a lot). I also asked them under pre-litigation discovery and data protection laws to provide me with a full and exact copy of a signed agreement and they haven't bothered. I want to issue against them and had a quick look around the site to see if there are any template POCs I could use as I seen a good one around somewhere but cannot find it now. I need help with the particulars of claim. Thanks.

I'm writing out of frustration and legitimate concern with the standards and practices within the British Insurance Industry. I have just endured the long drawn out process of 2 car insurance renewals. Run of the mill stuff for any UK motorist. What do most people do? Either take on a non-competitive renewal or seek a more competitive deal from the market. My concern is with the use of comparison sites and the potential for insurance policies to actually be deemed as invalid through no fault of person seeking to be insured. My partner was unfortunate enough to have an accident last October, where she was a named driver on my policy. Now come time to use a comparison site and this opens up a nightmare. Do I declare the claim against my policy? Do we declare the accident my partner suffered? I decided best to declare both and suffer the potential for two incidents to be recorded even though there was actually one. I approached the comparison provider and two new insurers to ask this question only to find that nobody truly agrees. Comparison sites even ask different questions and map the questions differently to insurers. RAC - Only I need to declare as the policy holder Hastings Direct 1) Web advisor - only my partner needs to declare 2) Telephone advisor - both need to declare. I challenged this based on 1. The Tele advisor escalates this and informed me 3 managers debated and 2 came to the conclusion that only my partner needs to declare. Moneysupermarket.com - Only my partner There is clearly an absence of any guidelines in this area with arbitrary decisions being made. Whats more concerning is that a comparison site offers differing advice versus the insurers. Whats even more concerning still is that a consumer may answer incorrectly for a their chosen provider, without even knowing and hence their insurance could be deemed as invalid should they claim against their policy. Neither RAC nor Hastings seemed concerned about this. When I visited the ABI it was clear from their website that they have no interest in such issues.

I recently parked in a CPZ outside of a marked bay. I received a ticket for not displaying a valid parking ticket but as far as I can tell the law says there should be yellow lines on the road to indicate a restriction. There was no yellow line where I parked. Can I successfully challenge the ticket?

Hi everyone. Today I parked on the bay shown in image 1 (from google maps). There was no other spaces on the street except the end of this bay, I parked my car in there but some of the back of my car went over the yellow lines as shown in image 5 and image 6 (taken with my mobile). The reason why there were no other spaces was because on the other spaces up the street, as shown on image 3 (google maps) and image 4 (mobile), there were cones and notices stating that those spaces were out of use for roadworks. The cones were only on the other side of the street, not on the side where I parked. There were roadworks vehicles on those spaces and they had cones and barriers around them. There were no cones, barriers, notices or roadworks vehicles on the space where I parked. I paid for a pay and display ticket and did not exceed the time (image 7). The pay and display ticket was clearly shown on my dashboard. The PCN does not show my pay and display ticket number. The PCN states that I parked on a restricted street during prescribed hours. It does not state that I parked ou double yellows. I asked the Civil enforcement officer why he issued the PCN and he told me that it was because I parked on double yellow lines. Note that the PCN states that there is no tax disc, I'm sure you all know this but you are not obliged to display them anymore, however my car is taxed and insured. Can I successfully challenge this? Sorry for the links/attachments. I found just now that I can only upload 5 attachments, so I am linking the images instead. Thank you for your advice in advance.

Hi CAG I took out a cashplus card last year and applied the creditbuilder option to my account with them. However over the past few months as it is not a card I ever really use I didn't have the 4.95 they request each month as part of the credit builder. Which left my account in arrears of a mere £39.00 I topped up my account on Sept 30th with £39 to cover the arrears and then sent them an email confirming that I had done so following the directions they had given me when chasing the £39. On oct 7th I checked my credit file and noticed that they had put a default on and had the £39 as outstanding. I logged in to my cashplus account and it clearly states that the debt had been cleared and shows the transactions where they debited my account on october 6th. I called cashplus to query this and they said that they can see that I have deposited £39 on the 30/09/2014 but a DD (Amazon Prime that was cancelled off that account literally the day after it was put on) attempted to take money out of my account (which isnt shown anywhere on my statement, nor was the account taken into a negative balance) which apparently meant that they could only debit my account on october 6th - This confuses me as the default was entered on Oct 5th - even though they knew the debt was cleared. To conclude the woman at the end of the phone said that she will put a request though to head office explaining the situation and for the default to be removed. I asked to have this in writing that and she said they cant do that all they can do is put a note on my file for this call. I have checked my experian today and it is still on there, can anybody give me some advice on how to handle this as I do not trust that they will be removing the default due to the sneaky way that it was applied! Any advice would be truly appreciated!

Hi, I have been searching through the forums and found various threads but nothing that quite covers this area. If I have missed something them please direct me and I will have a look. Here's the story, my girlfriend previous studied a degree course and had a student loan for that course. She went into full time employment then decided to change careers so went back to uni to obtain a degree in pharmacy. A few months ago she was offered a student loan. She contacted the SLC to confirm this was correct as she thought she would not be eligible as she already had a loan for her first degree course. The SLC confirmed she was eligible. The contract was signed and the money received. The SLC have contacted her recently to advise her she was not eligible and that she has to pay them back £2000 immediately. She has contacted them to advise she is happy to pay the loan back but does not have the funds right now. If she has to pay she will not have sufficient funds to complete her course and will therefore have to drop out of her final year of uni. Can they add the money to her student loan until August 2014 when she completes her course and goes back into full time employment. They advised her this was not possible and apparently the contract has a clause to say the money is repayable immediately in this instance. They have advised her the case has been referred to a debt collection agency. What I am wondering is, legally speaking can they demand the money immediately? She has funds in her bank to cover her outstanding course fees, rent and food until August 2014. If the debt collectors see that can they demand payment? Does anyone have any advice on how best to proceed with this case and the next step? Any advice would be very gratefully received. Thanks, Tim.

I had an IVA that was completed over a year ago fully paid. On my credit file i still see some entries for people such as Barclays Bank saying certain accounts are still defaulting every month even though they were settled as part of the IVA. I have spoken to them on the phone and they claim all the data is correct and it should not be showing. Does anyone know how i can get this data updated ?

Hi all, My tenant has made a claim against me for harassment a few weeks ago. As a defence to his claim, I made a counterclaim providing a witness statement but the tenant is now asking the court to consider my witness statement as invalid since my signature on this last is not the same than on the tenancy agreement signed. Many thanks,

Hi everyone I've read here with interest for about a year now but decided to register to post the following, partly for advice but also because I am in contact with a Magistrate (a friend) who has kindly offered some advice (which I don't have yet, we will be meeting up next week). So, sans advice, here is what has happened so far: I have several PCNs issued. All of which I'm sure are valid. There is a time limit on the streets near my workplace and due to the nature of my work I have occasionally been caught short. My fault. I had paid all PCNs I received (except 2 which I challenged, 1 of which was withdrawn), however, a Bailiff turned up at my workplace in September asking for £480.08 for two PCNs at £82 each. I told him I thought I had paid all PCNs, but he said clearly I hadn't. This may be the case, but as far as I know I had paid my fines/bills/?? Like I said I am not contesting the PCNs themselves BUT the Bailiff fees. Bailiff's costs where simply entitled "Bailiffs costs". The template for costs/expenses etc was on the back of the form BUT no actual breakdown of costs in this instance were given and he told me he didn't need to provide this, I could write to head office. His companion was apparently blocking my vehicle in outside and a tow truck would be called if I didn't pay up, he said. So, I paid the fee (I was busy at work and having a bailiff turn up and argue could effect business negatively). Surprised that I had PCNs outstanding, I contacted my local council, and they provided me via email with a few PCNs they believed to be outstanding. They also said that some were already with the Bailiffs and I would have to deal with them directly, implying I had no right to pay them directly to the council. I sent a letter of complaint to the Council (via recorded delivery AND email), and cc'd the Bailiffs and my local MP. I outlined why I thought the fees had been inflated and quoted the legal jargon from the legislation.gov.uk website. I also requested that they look into the matter and refund any money that was not owed. No reply. From anyone. Today I wake up, Bailiff at my door (same guy) saying I had another £480 fine from 2 parking tickets, and he would take my car if I didn't pay. I asked him for a breakdown of costs, and he said he didn't need to provide one. I told him that, as far as I was aware, he did need to do this before taking any further action - and that he could clamp my car but certainly couldn't remove it without giving me fair notice to pay, especially as I hadn't received a warning letter. I also informed him that my centre console in my car contains a non-removable harddrive containing personal information which is protected from removal by the Data Protection act (direct from the legislation website). He presented me with a court order for one of the PCNs, with "£480" simply scrawled at the top. I told him unless he can produce a breakdown of costs I would be calling the police. He said he didn't need to, and proceeded to walk out back to my car. I went back upstairs, picked up a camera, and turned it on. I went outside with the camera on and asked for an explanation and breakdown of costs. This was not forthcoming. I said "So, you are willing to take my car after having shown me this piece of paper, and don't think that I am entitled to a breakdown of costs?" He told me I was twisting his words, and "playing word games". As far as I was concerned it was a basic conversation and his lack of linguistic skills are no fault of mine. I called the police, they said they wouldn't come out. I said I felt intimidated and explained the situation and they told me to call 101. I called 101, and they said pretty much the same thing, and that it was a civil matter. Perhaps if I had two cars I could block the bailiffs van in and see if it remains a civil matter then. Anyway, as I mentioned I have a contact who is a magistrate who may be able to shed some light on this for me having lost almost £1000 in (mostly, it seems) inflated costs. After speaking with the police, these bailiffs in theory could slap any amount on their "costs" and get away with it. Moral of the story, don't park where you shouldn't and if you do then call the council JUST IN CASE you have any fine you don't know about. PCNs need to exist, unfortunately, to stop people taking the **** but I also feel that Bailiffs need to be doing their job fairly and properly.

Hi all I have had a claim progress against me for an old CC debt and I have just received the reply to my defence from the Claimants solicitors. In this reply, they have included a DN that is different to the one they sent me back in 2009. This new one looks to be compliant, whereas the original DN had (1) demanded full repayment of debt and (2) did not allow me full time to repay. Also, the original creditor never actually sent me a Termination Notice but they did sell the debt to another DCA prior to the date on their DN and that DCA then contacted me (again prior to the date on the DN) to arrange payment. So my question is: how does the fact they are producing a different DN in court work? What does this mean to their Claim and my Defence? Thanks JG

Hi, I realise you get a lot of these but here's mine. My partner who is disabled had an emergency appointment back in April at our dentist. The car park used is local council owned but on arrival she could not find a space so she parked adjacent to another car with her disabled badge clearly visible leaving plenty of room for other vehicles and pedestrians to pass but not in a marked bay. She received a parking ticket with the usual code 86 warning for not parking in a bay however after checking ALL the signage in the car park, at no point does it state that you are required to park in a marked bay. She immediately appealed against the ticket but was knocked back saying she should have parked in a bay because she was causing an obstruction (which she wasn't) so she is happy to go to court over it on the grounds that the signs are incorrect. Now I have received an NTO trying to sting me for the money which I am gong to ignore. Has she in fact received an invalid ticket because of the signs and can they sting me for a fine if I wasn't even in the car when it was parked?? Help !!!

Hi, my son was banned for drink driving before he even had a licence in 2004 and was jailed (rightly so). He has since been completely clean and requested a provisional in 2007 which he received with the endorsement on it. He has moved address twice since then and informed the DVLA of this without a problem. Last year he took driving lessons and applied for a test, passed his theory and then his full test, at all times providing his documentation (paper) to the test centre. Because he has not received his full licence in the post, he has contacted them to be told that because he has not taken a medical test, his licence is invalid. He is adamant that he has never been informed of this and his original provisional has the original photograph of him which was updated on each subsequent provional, so they know who he is. I hope someone can give me some advice to pass on to him, thanks in advance

Hi all, newly regsitered so hope you can advise.... i received a letter from the masgistrates court today for non payment of a £961 fine. It's the first notification i've had of this so obviously i'm concerned. i spoke with the court and thet said it relates to identifying in Oct 2012 an invalid licence held for a vehicle i sold nearly 3 years ago. They also said that the DLVA had today sent them notification i don't own the car. I now have to go to court tomorrow to do a statutory declaration which i am apprehensive about, and they informed me that the DVLA may re prosecute depending on the outcome. As i sent my forms to the DVLA when i sold the car i don't really know where i stand. None of this is my fault and i'm angry that the first i've heard of this appears to be incredibly harsh, and now i have to go to court at short notice! Any advice would be much appreciated...

Hi, Received a claim from Swindon CC for £7,226 for a credit card debt with Nationwide 13 July 2009. Sent AOS and requested info from Nationwide Copy of credit agreement CPR 18 request (as seen in this forum) Received agreement - copy attached. Now looking to file a defence based on them not replying to CPR 18 request. The reply with the Agreement stated "Please note that we are compiling further information and I can confirm that no further action will take place until this has been provided to you" As I was made redundant last year and we have unsecured debts of 35K we are looking at Bankruptcy. So I am only looking to frustrate/delay as they have stated they are going for a charging order immediately. Hope someone can help please as this forum has been a great source of help to me. Many Thanks Mike

I recently received a letter from Quinn-direct car insurance stating: ' Due to recent investigations we have reason to believe that the above policy is invalid. In these circumstances QUINN-direct does not accept that the insurance has existed with us.' I remember having this insurance policy a year ago for 2-3 months. I did not made any false information when I took out that policy. Does it mean it Voided? Do i have to inform my current insurer about this? Should I contact Quinn-direct to resolve this situation?

I was recently issued a penalty fare notice on the DLR after forgetting to touch in at Royal Albert DLR. The ticket inspector starting writing my name down on the notice, copying it from my ID, then realised he had misspelled my name. (He didn't seem to be the sharpest tool in the shed, I must say.) He scribbled out the misspelling and started again, so the ticket now has a large scribbled blob where my surname should be, followed by my surname spelled correctly. As a Penalty fare Notice is a legal document and cannot be altered or amended I believe this makes the ticket invalid. I will be sending in my appeal against the ticket in the next few days but if anyone can quote me rules and regultaions - you know how these people love their rules and regulations - it would help a lot. Incidentally, I sent a postal order to IRCAS to pay the correct fare and they have cashed it.

I recieved a PCN on saturday 5th Feb when parked in Southwark (London). I was taking my Mum out for a day at borough market. It was the first time I have used her blue badge. I was considering challenging it on two fronts. I was wondering what people thought of this approach? I would be grateful of any advice as I haven't had to do this before. This is my draft appeal: I had a valid blue badge clearly displayed and I checked the blue badge parking rules on your website before I set out on our journey to southwark. Your website (link provided) says "Where blue badge holders can park: in pay and display or shared-use (permit holders and pay and display) bays for an unlimited time". I was parked in a permit holders bay. Your website indicates that this is ok with a blue badge: "permit holders and pay and display bays". The text on your website is very unclear. Additionally, it would be much clearer if you said explicitly where you are NOT ALLOWED TO PARK like other borough websites do e.g. Wandsworth (link provided). It is only because the blue badge parking rules on your website are so unclear that we understood we were allowed to park in this bay. It was clearly unintentional on our part because there was plenty of alternative parking space available on the yellow lines on Union street at the time. Secondly, the parking contravention that has been accused on the PCN ticket does not apply. It says: "Parked in a resident's or shared use parking place or zone displaying an invalid permit, an invalid voucher or an invalid pay and display ticket" 1. I was NOT parked in a "resident's" or "shared use parking place or zone". On your Controlled Parking Zone maps on the Southwark council website the bay I was parked in is marked as a "Permit holder only" bay whereas "RESIDENT permit holder" bays and "shared use" bays are marked in different colours to the bay I was parked in. 2. I was NOT displaying an INVALID permit or an INVALID voucher or an INVALID pay and display ticket. I was displaying a VALID Blue Badge. Thanks, Paul