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  1. Hello everyone, this is the first time I have ever used a forum, but I hope that someone can advise me. I am a 19 year old photographer and I was commissioned to take the graduation photos of a Malaysian girl and her family. She was graduating from UCL and the job was from 9am to 1.30pm. The fee had been agreed in advance. I have been trying to get payment ever since then. My problem is that she graduated in Law and I do not know where to begin. It also turns out that she is from an extremely wealthy Malaysian family and has appeared in the hit film, Crazy Rich Asians. She is no longer replying to emails or texts. Is there anything I can do to get my payment? Thank you to anyone who replies.
  2. Hi, my post is relevant as its another MET PARKING CHARGE NOTICE debacle. This time at Mcdonalds, Gatwick As per the previous poster, my first correspondence from MET was a 'reminder' document. Please see the 2 files attached. I have two questions before I lodge my complaint / appeal with MET. First - I received this notification 25 working days after the alleged infraction - yes the car was there on that date however "the driver" was not aware of any parking restrictions, nor did "the driver" notice any signage - which seems a regular theme. Secondly - the notice wording suggests the drivers details have been provided by the registered keeper?????? There must be some telepathy going on here Would appreciate peoples views on whether I should respond to MET using the many templates provided OR just ignore the letter given the 2 points raised above.. Thanks attachment.pdf
  3. UK Prime Minister Theresa May has announced plans to call a snap general election on 8 June. She said Britain needed certainty, stability and strong leadership following the EU referendum. Explaining the decision, Mrs May said: "The country is coming together but Westminster is not." There will be a Commons vote on the proposed election on Wednesday - Labour have said they will vote with the government. The prime minister needs Parliament's backing to hold a vote before the next scheduled date of 2020. Explaining her change of heart on an early election, Mrs May said: "I have concluded the only way to guarantee certainty and security for years ahead is to hold this election." http://www.bbc.co.uk/news/uk-politics-39629603
  4. Statutory intervention in Wellhouse Housing Association - June 2017 Can be downloaded here: https://www.scottishhousingregulator.gov.uk/publications/statutory-intervention-wellhouse-housing-association-june-2017
  5. http://www.msn.com/en-gb/money/technology/roaming-charges-in-europe-officially-scrapped-from-today-%E2%80%93-all-you-need-to-know-about-using-your-phone-overseas/ar-BBCH3sE?li=AA9SkIr&ocid=ientp However, all is not as it seems... Do read the article linked above because there are still places that you will be charged and quite heavily for staying in contact whilst you are abroad.
  6. Hi, My brother is being summonsed to appear at Magistrates Court in June for not sending his two kids to school regularly. The School count the attendants twice a day and they are claiming that out of 154 possible attendances only 130 were attended which works out to 12 days (154 - 130 = 24 / 2 = 12 For each of the days, the council demanded a penalty fee of which was not paid as i advised my brother that they had no legal bases within the Education Act 1996 to charge such fees. Out of the 12 unattended days of which penalty notices were issued the council later withdraw them and sent a letter to my brother stating that after reviewing the evidence submitted by my brother that the penalty notices should not have been issued. The school had to be closed for a total of 5 days due to mice infestation in the schools kitchen. now my brother is stating that on both times of the school being closed a day or so before his kids were not well "being sick" 1st time for 4 days and the second time for 1 day (30 Nov and 13th Jan) the school was closed. they said the schools closure is not included in the attendance rating. they claim that the attendance level was 84% The council are saying that if they win the case, they are going to be asking for costs. The case is being tried under 444(1) of the Education Act 1996 http://www.legislation.gov.uk/ukpga/1996/56/section/444
  7. https://www.theguardian.com/money/2017/may/20/mobile-phone-roaming-charges-banned-europe-15-june-brexit
  8. Hello, first post here having read through other threads. I received a FCN from Napier after parking at Willen Lake, i bought a ticket and it appeared to have blown off my dash into the footwell of my car. I returned to my car to find an FCN on the windscreen asking for payment of £80 or a reduced charge of £45 if paid within 14 days. I appealed to Napier through their online procedure explaining this situation and attaching a picture of my ticket. However they responded with a letter attached to an email stating that because i failed to ensure the ticket was displayed that im still expected to pay. In this letter though, it now says they will accept a £25 payment as a show of good will. Very simply should i just accept this and pay them, or is ignoring further correspondence the best route to take?
  9. Cameron wants a vote on are membership of the EU on June 23rd, however I’ve got news for him and his hangers-on. The referendum cannot take place until the autumn at the earliest. The fact is that this early referendum is not possible because it will be should be blocked by the Electoral Commission, which insists that at least ten months should pass between Royal Assent being given for a referendum and the vote itself. Dr Richard North said The Royal Assents was given end Jan; beginning Feb;. This means that the referendum cannot be held until October—at the earliest. Of course, the recommendations of the Electoral Commission could be ignored, but woe betide any politician who meddles with a lawful procedure. P.S. Some extra information for you. Some EU migrants will get more child benefit than families in this country. The UK will be forced to pay higher rates of child benefit to some EU migrants with children living in other countries under Cameron’s deal, Brussels officials said. Cameron’s agreement allows payments to such workers to be made at ‘local rates’ after his failure to get an outright ban on payments being sent abroad. But an EU official said the payment rate in some EU countries could end up being higher than those currently paid, because they would need to be adjusted according to the local cost of living. That means some EU migrants working in the UK would get paid more in child benefit than British workers raising their children here.
  10. Open Farm Sunday is one of the farming industry's biggest success stories. Since the first Open Farm Sunday in 2006 over 1000 farmers across the UK have opened their gates and welcomed people onto their farm for one Sunday each year. It is a fantastic opportunity for everyone, young and old, to discover at first hand what it means to be a farmer and the fabulous work they do producing our food and managing the countryside. Take time to listen to the birds, soak up the scenery, experience the smells of the farmyard and really get in touch with the land that feeds us. So come and feed your senses on Open Farm Sunday. Each event is unique with its own activities - based around the farm’s own individual story. Activities during the day may include a farm walk, nature trail, tractor and trailer rides, pond dipping, activities for children, a mini farmers market or picnics. Visit a farm on Open Farm Sunday on 5th June 2016 and discover the world of farming.
  11. Hi, I have copied my Cahoot Fixed Loan Agreement, but think they may have ticked all the boxes - any advice would be appreciated as to if it is enforceable thanks
  12. Dear All, Following with reference to Regulations 2003,2005 and 2006 I believe I have a case to pursue to obtain my ILR which I was denied in June 2010 due to poor Representations and also I had no clue of any immigration laws and Regulations at that time only relied of my rep. The real issue is we were given Leave to Remain in 12 March 2015 base on Article 8 through my 14 years old daughter ( 7 years Rule Concession) who came to join me with her mother in September 2003 after a long legal battle Represented by a reputable firm. We won the case (Leave to Remain) at the First Tier Tribunal on 29 June 2014 but Home Office decided to appeal so the case was in Upper Tribunal this year after two sittings which did not yield any results and was adjourned on 27 Feb 2015 for further notice after I raised the issue that I had an outstanding application with the Home Office that was not dealt with. Whiles we are waiting the Home Office performed a U-turn and issued us with the Leave to Remain to be renewed 4 times on 2 and half years bases after which we can apply for ILR. Please Note: About the outstanding application which I think HO did not deal with it. if I am wrong please advice: 1. My last leave to Remain as a Student was expiring in 30 June 2010. so I applied for ILR alone on 10 June 2010 using SET(O) paid the required fees of £840 and acknowledge letter received from HO. 2. On 29 June 2010 I applied for Leave to Remain for my self and 3 dependants (wife and 2 daughters now 14 and 5 years respectively). Also, paid required separate fees of £751 and acknowledge letter received from HO. 3. on 26 July HO refused my ILR based on gap in residency in 2005, 2006 and 2009 due to payment issues. 4. Only 2009 that had 2 problems: one is payment and two is 4 days overstayed according to HO. 5. In 2009 my Student visa expired on 23 January 2009 so I submitted my application with College enrolment letter dated 22/01/2009 and the Cheque for payment also dated 22/01/2009 and posted the application to HO on that same day 22/01/2009 but HO claimed to receive my application on 27/01/2009. unfortunately, I could not and cannot find the proof of postage, but as for the payment HO claimed I paid with Credit/debit Card which was not true. I paid with cheque and I made photocopy of that application and the Cheque and I still have them. 6. On 16 August 2010 a lady called from HO to enquire about the second application (29 June 2010) and I said to her is for Leave to Remain/Discretionary Leave to Remain. She then ask me if I would appeal against the ILR refusal? I said to her I have given the refusal letter to my Solicitor. So she ask me to find out and that she would call again next day. I contacted my solicitor who said the appeal is done because the deadline was 10/08/2010. But the HO lady did not call again. At the moment, although HO had issued us with Leave to Remain but case is still in Upper Tribunal and the Tribunal want to know if there is any case that I want to pursue because the Tribunal is aware of HO U-turn. 1. My question is can I raise my ILR issue again? 2. Do I still have outstanding application? 3. Do I have a case of success in my ILR claim? 4. How do I go about this if I choose to pursue it? Please your advice needed and thanks for reading this lengthy story. God Bless you all.
  13. Please remember Armed Forces Day on Saturday 27th June 2015. to find events happening in your area go to the below link: https://www.armedforcesday.org.uk/
  14. Hi everyone, I have 2 remaining default notices that are both due to come off my credit file on June 6th 2014. Long story short, I buried my head in the sand and looking back I could've handled the situation better. But, what's done is done and I am almost at the end of the long road. I wish I had discovered forums like this 6 years ago! I hope to be in a position to apply for credit so I can move forward in my life. i.e. getting a mortgage. My plan is to apply for a modest credit card with my bank, demonstrate I can manage finances and then ultimately apply for a mortgage with them. I have subscribed to Experian, Equifax and Call Credit for 30 days to ensure they come off but I have 3 questions. 1. If both defaults come off on June 6th - how long should you wait before applying for any credit? 2. How long do lenders keep information regarding failed applications? I naively applied for a credit card with my bank in May 2013 and got declined. If I applied for a card in say July 2014 could my bank see the failed application from May 2013? 3. One of the defaults coming off still has a balance left on it - £930 which is with a collections agency (Lowell). I fully intend on paying the whole amount and have a monthly DD of £60 paying it off. My question is, is there any way Lowell could sell that 'debt' to another agency to try and recoup the full amount in one go? N.B. I have not made a credit application of any kind since May 2013. In 2008 I had 4 defaults. As of June 2014, 3 have been paid in full and satisfied. As I mentioned, only 1 has a balance on it but that will be coming off my report. I have not had a missed payment, utility bill, phone contract bill for 2 years so hopefully these will all be positive markers. Thank you in advance to anyone who can assist.
  15. Just watched Watchdog on BBC1 and they have said that they will be investigating Private Parking Tickets next week. Should be fun.
  16. 70 years ago Tonight, this speech was broadcast around the world We will remember them
  17. Just watched Watchdog on BBC1 and they have said that they will be investigating Private Parking Tickets next week. Should be fun.
  18. need some advice ,got an eviction notice for 17 june my arrears aren't large just over 3 months I have read on this site that the mortgage company cannot reposes if the arreaes are less than 2 months is this so, if this is the case I can reduce them to below 2 months and then where do I stand need advice a bit quick thanks
  19. Hi all, As you will see I am a "newbie" to this site and it's forums so please go easy on me in terms of judgement :-s My Story: I have had a mortgage with KM for 9 years and for the first 6 of those years I was keeping up with my payments. However, 3 years ago I lost my job and fell into arrears. I have been making payments on and off for the last few years and during this time missed a few more payments. KM has been to court - around January 2012 they were given a possession order. Since then I have been on an arrangement plan with KM and agreed to pay £440.00 per month (Please note my contractual mortgage amount is £382.87 and £57.13 was towards arrears). I defaulted on my last plan in December 2012 whereby I did not make the required £440 payment at all that month due to unforeseen motoring expenses. Since then I have paid the following payments; January 2013 £400.00 February 2013 £400.00 March 2013 £400.00 April 2013 £400.00 May 2013 £425.00 In March 2013 and April 2103 I got letters through the post both saying their records showed I was making payments above my contractual amount and if I continued to do so then I would not be charged the monthly £50.00 arrears charge. Both letters did ask me to urgently get in touch and to be honest I knew I had to speak to them as I wasn't paying the agreed £440.00, however, did not mention possibility of eviction. To my surprise I got a letter on 23rd May 2013 advising an eviction date had been set for 18th June 2013. From the 24th May to date I have called KM 16 times (to the cost of £80.00). I have gone through an Income & Expenditure and offered £448.02. They asked for a lot of information in support of my Income & Expenditure and to date I have sent 46 pages on 2 separate occasions detailing and supporting everything, including my unforeseen motoring costs. Every time I have called I have been told I have to speak to the Evictions Team who have never been available. However, on Friday 14th June 2013 I got through to Becky in the Evictions Team (truly one of the nastiest people I have ever spoke to) who asked for more proof - statements for a dormant bank account and advised my account cannot be passed to a manager for a decision until I provide this. So, what I have done is gone to my local County Court and submitted a N244 and have a court date for Monday 17th June 2013 as their was no way I could get the information to them by post in time. As part of my N244 I have gave the Court a copy of the 46 pages I sent to KM, along with my 2 covering letters and explained my difficulty in coming to an arrangement. However, I did forget to include my income &expenditure form in with the N244 and have been told the judge may not accept on Monday. Reason for my long post (sorry about that) is because I am so scared to lose my home and worried the judge will favour in KM. I just wandered what everyones thoughts were on the possible outcome and if anyone had any advice about going to court? Oh, not sure if you need to know this as well; Made a payment of £448.02 (which is what I am proposing) on 14th June 2013 - although they were reluctant to take this payment. Current Mortgage balance £69,000.00 - approximately Current Mortgage arrears - £5400.00 Mortgage term left - 21 years I would really appreciate any advice or support as am worried sick and haven't been sleeping/eating properly.
  20. I have spent the day reading all of these threads about MiniCredit and how they have treated people when they've defaulted on their loan. I will owe £589.90 (incl interest) next Sat and do not wish to attempt to roll over the loan again. I have already sent them three emails in the past two days to ask how their partial repayment works and was shocked to discover all of those additional charges they add on a daily basis. I got their usual standard uncohearant reply: Dear xx On the 1st day overdue £25 penalty will be added and on the 3rd day overdue a second penalty of £55 will be added. On 30th overdue day £100 will be added as a debt expense recovery fee. The interest and the overdue charges such as attempt fee\'s will be added daily according to the Loan agreement until full repayment. We accept partly payments You make on Your MiniCredit.co.uk account, but we do not freeze the balance. You have the option to make payments of any amount 24/7 on Your MiniCredit.co.uk online account from third day overdue.The settlement or settlement plan must be discussed only over the phone with customer support agent and after Your account gets overdue." And here are one of my replies so far to them: I am fully aware of your additional charges that you continue to add: 1) £25 on 1st day and £55 on third. 2) Daily ongoing Interest charged at 1% 3) Daily £5 charge for attempting to take funds from account 4) £100 after 30 days for debt management Since I can demonstrate willingness to make frequent reasonable partial payments, I insist that these additional charges are completely waivered at your discretion - especially since I am contacting you in advance about this to show goodwill. I wish to settle my loan as quickly as possible by making these partial payments since this will prove a more efficient repayment method than rolling the loan over. I believe these above charges to be legally unreasonable (especially 2,3 and 4) and by law I'm only required to pay the original loan amount and one month of interest. As a customer who has notified you in advance with a solid plan of repayment, I would like a personal response of how we can proceed with my loan/account with you once it becomes overdue. I want to know if I can do anything proactive before the 9th so to completely prevent them continuing to add daily interest/card attempt charges etc once I'm in arreas. I have written an email to the FSO and understand the importance of communicating at all times in writing. The thought that they could still automatically take money from my account even if I were to cancel my card really panics me and I don't want to have to set up a new bank account. I am trying to show my willingness to pay back the original loan and interest by making contact with them in advance. I am obviously not prepared to pay any of their additional charges that they will continue to apply (no matter how much I partially pay in regular frequency.) I am on benefits due to a long term ongoing related sickness - would this work in my favour in terms of making repayments if passed on to a DCA? I also live with my parents so don't need them potentially accidently opening a demanding letter from Minicredit etc - even worse someone turning up at the door! It seems almost more convinient for them to immediately pass my debt over to perhaps OPAS who may agree to a flexible repayment schedule without anymore additional charges. I know they are linked but is this worthwhile to try approaching them independently by email to explain my debt and suggested repayment plan? Many thanks to those who contribute to this forum - it has helped me to start undertstanding how this PLD company works. I would very much appreciate any help or support that people can offer. Thanks Welshy
  21. My son disabilities etc - I am concerned about things in relation to the 'appeal papers' prepared submitted to the FtT; iin their extent and possible impliication's? plus a few errors (dates). Section 2 - Schedule of Evidence:- doc nos: 1 - 3 original appeal letter 19/03/2007 4-57 new claim for dla 05/09/2006 58-61 medical report gp 03/10/2006 62-63 new claim decision 22/11/2006 64-69 request to look again 13/12/2006 70-75 advice medical services 16/01/2007 76-79 record of reconsideration 24/01/2007 80-84 evidence from represent 08/08/2007 85 notice of appeal decision 06/08/2007 86-93 request leave to appeal 15/10/2007 to commissioners 94 decision of tribunal 03/01/2008 95 computer record of issue 17/04/2011 of renewal claim pack. 96 record of telephone call 12/10/2011 97-134 new claim for dla 01/11/2011 135-141 med report psychiatrist 14/12/2011 142-147 " " GP 23/12/2011 148-150 computer decision 09/01/2012 151-154 notification of decision 09/01/2012 155 Appeal Letter 08/02/2012 156 record of reconsideration 20/03/2012 (informal) Section 3 - The Decision (now this is a little confusing?) It states he is not entitled to either the mobility component or the care component from 01/11/2012 - does not satisfy conditions etc. ok? The last paragraph states: The Tribunal may wish to note that prior to this new claim Mr X had an award of DLA as given by a Tribunal on 03/01/2008. The award of LRM AND MRC expired 04/09/2011. As the renewal claim was not received prior to 04/09/2011 the subsequent claim pack was treated as a new claim. In order to give a full back ground to the case, the papers relating to the previous claim (as submitted to the Tribunal of 04/09/11), have been included in date order. Section 2 - this seems to be pretty much EVERYTHING on file regarding a previous claim ? Section 3 - seems to contradict itself in stating 'As the renewal claim ......prior to 04/09/2011 .......treated as a new claim. Then goes on to state "in order to give a full back ground to the case .,......... well which is it ??????? also "as submitted to the Tribunal of 04/09/2011 ?" WHAT TRIBUNAL ON 04/09/2011?". This doesnt make sense. Also it could make any decisionss of the Tribunal bias toward the applicant, in delving into all his previous information. Plus most of which irrelevant now as he was a child then and adult now. (age 22 ). The facts of the case are even more confusing and misleading, as they are listed in order from 2006 (really not relevant to now!) 5.1 - 5.20 ! How can he best approach this matter ? thanks ???????
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