Hi, I was hoping if someone could give me some advice in best way of tackling the damage to my property caused by my local council this morning. :-x:-x I came home this evening to see my rear gate in the garden which leads on to the access road at the back of the house broken, as well as brick wall knocked down. It appears this morning around 11am one of those caged type vehicles operated by the council was collecting rubbish along the road. From the CCTV footage I have (link below) the vehicle stops outside my back gate, as it drives away the gate at the back of the vehicle swings open, hits my gate taking it clean off it hinges and taking a wall down with it and damaging my neighbours garage and fence. Someone witnessed the incident and took the registration details of the vehicle and it does seem it's from my local council. What is the best way of approaching this, as it's going to cost a lot of money to put right and I don't see why I have to pay for this though my home insurance knowing full well what and who caused the damage.I will be making a formal complaint to the council tomorrow and have also reported this to the police. Can I issue a council with a 7 days notice to repair the damage or go to small claims court. I can't leave it like this for to long as my house is not secure and anyone can walk in through the back even through I have temporarily fixed the problem. Any advise will be greatly appreciated, particularly what you would do in my situation. https://ibb.co/b5vmuz https://ibb.co/d98T7K https://ibb.co/ivPPge Link to video below. https://vimeo.com/user89721934/review/290783305/28eaa7e079 Thanks

https://www.consumeractiongroup.co.uk/forum/showthread.php?296513-296513&p=3317951#post3317951 I am just considering this and contemplating taking court action against unregulated property manger who took a secret commission

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

Been helping someone who has got themselves into a bit of bother with a PBC [pawnbrokingcompany] over the renewal of a large logbook loan against a hypercar. Just wondered if anyone else has had an success in getting a LBL extended on the value of a vehicle that was clearly valued at 10+ times the amount of the advance, against the trade resale of said vehicle, without it being "re-valued" by a 3rd party on behalf of the PBC? The issue is the vehicle has gone up considerably in value, over the period of the original LBL and the PBC have called the full amount in, against the value of the vehicle 2 years ago... a single extension to the LBL was made 13 months ago, again, against the value of the original vehicle value. Can the LBL be called in based on the valuation of previous paperwork and called in early? Weird one, but sure a Gagger will know a Gagger that knows the answer!!

Hi. I hope someone will be able to help. My friend's husband (yes, really!) died last May and has left a complicated financial mire to unpick. The husband was in business with his sister (he made a payment to purchase a 1/2 share) but the partnership was not a formal one. I don't believe the partnership is being disputed. The husband bought a Lotus (dream car). He sold his wife's car, which realised £6000, which was used as a down payment and the sister agreed to stand as guarantor on the loan. The husband paid the monthly instalments. This is where it gets murky. The instalments were paid from the joint business account. I understand that the husband then drew salary minus that payment. The sister now asserts that she is the legal owner of the vehicle (although she is not the registered keeper) as she is obviously now liable for the debt (is that assumption correct?). My friend believes that as the car belonged to her husband, it is part of his estate and should pass to her, although she accepts that the loan (plus any interest) must be repaid from funds raised by selling the vehicle. The car is worth c£37k. I don't know how much of the loan is outstanding. My questions are basically, then, does the sister own the car because she is liable for the loan? If the sister IS the owner, she did not make the down-payment or pay the instalments, so does this money have to be factored in somewhere? This is one of many financial issues that my friend is trying to deal with, but I'm trying to help by dealing with each in turn. She does have a solicitor who is dealing with probate, but they're not dealing with this issue in isolation and are being unbelievably slow. Any advice will be very gratefully received. Thank you

http://www.mirror.co.uk/money/shop-lets-you-save-hundreds-9195194 This looks interesting.

Today I have had the misfortune to be made aware of yet another person who took internet advice after receiving a Notice of Enforcement and was led to believe that if he made payment direct to the Magistrate Court that he would be able to avoid bailiff fees. This person took the advice and paid the court direct and;.....as it always the case.....he received a letter from the court to advise him that his payment had been forwarded direct to Marston Group. He too has now found himself in a position where an enforcement agent has made a personal visit...and the debt increased by way of an enforcement fee of £235. He now owes £310 (to also include the Compliance Fee of £75). This inaccurate advice is costly debtors many thousands of pounds and given that the debt is for an unpaid court fine....the enforcement agent is permitted to force entry. For the avoidance of doubt, all debt streams (council tax arrears, unpaid local authority penalty charge notices and unpaid magistrate court fines) may only be enforced by way of the procedure outlined under Schedule 12 of the Tribunal, Courts and Enforcement Act and the fees that can be charged are those under the Taking Control of Goods (Fees) Regulations 2014. Worryingly, the debtor has been advised today (by the person responsible for this highly inaccurate advice) that the Magistrate Court have supposedly given him the wrong advice. He claims that the warrant 'ceased' when the payment was made to the court and that the debtor can rely upon section 52.8 of the Criminal Procedure Rules 2014. Not true: Section 52.8 was substituted under The Criminal Procedure (Amendment) Rules 2015 !!!!

Long time lurker here. I own a BMW 1 series - 2007 model. Hello All, I've got a question with regards to my car and its repairs. Basically, what happened earlier this week was I drove my car to the mechanics for him to run a full diagnostics and see whether there were any problems as the yellow light on the dashboard came on, immediately I drove it to the garage to solve the problem. The mechanic ran a full diagnostics on the car and said my chain is showing signs of wear and tear which will need to be replaced. He also mentioned that I would need an exhaust vanos solenoid (which I purchased the part from a BMW dealership on my own accord). The mechanic said to me that the job will cost £900, I mentioned to him thats out of my price range and I said to him that I will take my car back home as I'm not willing to pay that. He then thought I would take it to someone else and quoted me £650 to complete the full job to change the chain, we both agreed and he started work on the car. The next day, which was a Tuesday. I came out of work early to check on the status of the job and the mechanic just assured me that the job will be done soon and to be patient, they took the car apart and he said once they're done they'll put everything back together and he will call me, it could be later this evening. I called him up on Wednesday and he just said the same thing. On Thursday, three days later to when I took it to him. I came into the garage and sat down waiting there for a few hours with no word on my car, I noticed everything was put together inside the bonnet and the owner of the garage mentioned to me, the car was starting 30 mins before you came but now its not starting so we'll check if its a problem with the battery. I had my suspicions that something was up and they were aware of it as I was sitting there for a long time but they did not want to tell me. Just before closing time on the same day, they tried to start the vehicle to no avail. The owner of the place started mentioning to the mechanic, are you sure you put everything back together properly. Naturally, the mechanic was there defending himself. The owner of the garage then said to me, sorry mate your engine has gone, I was stood there in complete shock especially since I came into the garage with it working fine. I was really annoyed and mentioned to him what would he do about it, he backtracked a bit as he noticed I overheard his conversation where he was saying his mechanic didn't put it back together properly and he goes we're not 100% it was his fault and as its late we'll double check tomorrow. I went back to the garage yesterday and he changed his tune completely. Straight away I got the impression, he was trying to cover his tracks and he goes I've got bad news for you, you'll have to pay £1400 to fix this job. He tried to get technical and confuse me but in turn he was actually confusing himself as he seems a very bad liar. I told him I refuse to pay the £1400 and I'll only pay the £650 in which I agreed. After he disagree and told me to look for a part on Ebay so he could do the job for £1400. I said that is not my job. Before I left, I asked him one question in which he dodged by changing the conversation, I said - I drove into the garage and the engine was working fine, if there was a problem with the engine before I came to the garage when you ran the full diagnostics at the beginning wouldn't that have picked it up? He just left me and went to serve another customer, totally ignoring me which made me feel so small. I've been so worried at how the whole situation has occurred, one issue has become a much bigger problem. Has anyone faced this problem and could you please provide your advice even if you haven't, I would really appreciate it. Sorry for the long post, I just feel hard done by. Many Thanks JW

On 4 March I made an order with Virgin for an offer that was on to tempt previous subscribers back. It was for the Big Kahuna Movies and Sports for ~£66 per month for 12 months. We received the order confirmation and everything was great until it was installed yesterday. Last night I noticed that the movies and sports channels were missing. We received a second e-mail stating the the price was £49 + line rental, but never thought any more of it as it came to ~£66 (I'm saying approx as my partner is currently asleep and I can't access her e-mail). My partner rang up Virgin as the account was in her name and asked for them to be put on and was told that the price would now be rising to nigh on £85, but it would be discounted to £66. When I got home from work I had a look at the account and it's showing ~£85 so I rang Virgin. I stated that I had the a confirmation order e-mail, that included the sports and movies only to be told that "because it's not on paper it's not legally binding" and that they had no record of the request for Sky movies, despite it being part of the deal. Is this true, and does anyone have an e-mail address for someone higher up the food chain than the call centre, because they were completely unhelpful at best.

Hi I am currently in a situation where I am not sure what to do or at least what my legal rights are. I have privately rented the current property for 3 years. There have been odd issues here and there with regards to the landlord wanting to increase rent even though the same properties on our street are renting for less already. I have 3 children, 2 of which have disabilities. I have recently had a heating/water issue, which caused quite a lot of distress to us. During a conversation, the landlord said he had no money. This has unsettled me somewhat. Whilst eventually he has sorted the heating situation out, I have lost faith in him. He seems to have no clue, and I feel he is trying to scrimp and scrape on everything. (we had this issue about 18 months ago and had he listened to the plumber then we would not have been in this situation.) The problem I have is I am contracted yet for another 12 months. If I ask him to release me from this contract, he is without a doubt the type of person who would not agree to it. So my question, quite simply is, Can I ask a county court Judge to release me from that tenancy agreement by law? Many Thanks in Advance Marie x

Hi, I am confused, stressed and depressed! I am 65 (65 last June). I have had a DLA award since 1995, HRM & MRC. I have had reviews over the time I have claimed, the last being in 2011 when it was again re-awarded indefinitely. As I was under 65 when PIP came in and will be over 65 by the time PIP goes nationwide, I am told that I will be in the first wave due to my age to be re-assessed for PIP. All of that is a fact. Given that it may well be next year when things start to happen I am trying to get my head round the claiming principle of PIP. I have done some assessing of myself and find that I might just scrape in with the standard rate for mobility, but it is unlikely that the care element will be awarded. So given that I have to concentrate on the mobility part I simply can't work out who's responsibility it is to obtain and submit supporting evidence. The form tells me that I should if I can without cost to me, send what I feel is appropriate to support the descriptors for mobility. Then I read of a recent report from the select committee that the obtaining of evidence should and must be the responsibility of the DWP. What I would like to know is who is held to have the legal requirement to collect and obtain the evidence to support any claim. Of course most people would say that the claimant should if they want to help themselves, but not everybody can and is able to do that for one reason or another. Even simple reports can cost the claimant money. As I understand it, the onus is upon the DWP to refuse a claim after seeking and obtaining evidence which could support or contradict a claim. If the claimant then appeals, it is clear that the onus then moves to the claimant to submit evidence in support of that appeal.

I am wondering what happens if i report my ex-boyfriend's mobile phone stolen to the police? The phone and monthly direct debit for it is on my name on my bank account. He has a recent criminal past and therefore he said he cannot have his own bank account, ID, passport or any possessions. He obviously did not pay me the monthly fees, only gave me the first month's charge that was charged to me after using phone for 7 days. He lived with me altogether for 3 months and at this point he was still with me. 3 weeks after he got the phone we fell out with each other and he moved out, said he'll stay with his sister for a while but in reality he moved to his ex-gf and he left me high and dry with his phone bills piled up over the following few weeks to £97.65. This amount is made up of another month's monthly charge plus 47 GBP in call charges that he ran up (not with me!). When I found out about this I asked the network to put on a barring on his outgoing calls and txts and to hold any payments to be taken from my account as I'm in the process of chasing up payments from him first. When i confronted him about the situation, he admitted being back under his ex's roof but kept saying he wants to come back to me and he has his financials too tangled up with his ex so he's trying to sort that out. Since then i was always asking him to pay the phone bills or give phone back to take the contract off my name but he did not do so, just kept making promises and kept saying he wants to keep seeing me, stay for the weekend with me, go on a day trip with me, etc. I met him a few times after he moved from me but he never gave me any money and as usual whenever I spent time with him, I always ended up spending my money on him mainly for food and alcohol. He has a job and his wages are going into his ex-gf's bank account, this was unknown to me until a few days ago i found at my place one of his payslips from this year january that he must have accidentally left behind when taking his stuff from me. His address on it is the ex-gf's address. He might have changed this to his parents' address by now, I wouldn't know that and i have no info what that address is. He is now in the clear in terms of being able to get a bank account and passport for himself, unless he did something stupid again after he moved out from me but that as well I wouldn't know about. He was a very lousy, lazy and expensive boyfriend to have and I never had intention spending money on him at all but he always found a way with me. He was also drinking a lot and intimidating my housemates for no good reason. He left me out of pocket quite a bit but i have no actual proof of any of that. He owes money even to this ex-gf for bail money, he owes money to his own parents for a lot of unpaid fines and charges from before when he lived with them and had a car on his name on their address (before going into prison). Since am trying to chase up phone from him and bill payments, i have been contacting him on whatsapp mainly. Lately I have been refusing to 'see him to try to work things out between us' and told him he has to cough up money that he owes me. Then this week he started telling me to eff off when i asked him to pay up so i called the network and told them the issue, they advised to blacklist his nr and phone IMEI nr too, they also told me it is basically theft because he has refused to give phone back. Network then sent me a new sim card and I was able to transfer his phone's phone number onto this new sim card so now he only got the handset. Whatsapp and wifi was still working on his phone until I took over his phone nr so i messaged him last chance to pay up or give phone back. Then i was getting an answer that am sure his ex-gf was typing to me, threatening me with pressing harassment charges (would not stand on strong legs at all!) and was making contradicting claims that the phone was a gift (which it was not, in the general sense anyway but might be in the legal terms) then was saying the phone isn't his phone then said they'll let me know when they'll arrange the phone to be dropped off to me. I was asking for being a bit more specific but obviously nothing more was specified to give a time and date even just approximately. I also asked what form of communication is he gonna use to notify me about phone drop off coz his phone nr will stop working in a few days due to unpaid phone bills. No answer of course. I did keep all these messages when they started bringing up the harassment accusation but i got no proof of previous messages about just how many times he has been asking to see me and spend time with me but I have got some more txt messages from the past few weeks when i asked him for phone back and bill payments. This week i have paid off his phone bills because the network was about to cancel the service and i would've been left with a bad credit to my name. He still wasn't agreeing to make a payment of any sort. He (or his ex-gf...) was requesting me to give them the phone's PUK code but obviously am not an idiot! So all what he's got now is the handset (newly bought at end of March this year, Motorola). I am wondering if he can still use wifi or phone at all or getting into his contact list, txt messages or photos on there and be still walking away laughing with the handset with a different but same network sim card? Could he just get a new sim card on the same network and still use the phone? Can he have it unlocked and use with any sim card? What happens if i report phone stolen to the police? Should I also tell them it is my ex-boyfriend who last had the phone? I want justice to be done and wouldn't bat an eyelash even if he gets nicked for it! But i also don't want to give grounds to him/them for starting some kinda 'slander' or 'false accusation' charges against me! Can i legally do anything about chasing up payments for his living expenses while he lived with me or for the mobile bill he ran up and i paid for or maybe for a compensation for the handset as well?

Hi My daughter signed up to a gym online, 2 months on and I am unable to use the gym due to a foot operation and therefore she is also unable to access same. as she is 16 can they still tie her into the 6mth contract as they are saying she cannot cancel at this time. mine has been cancelled as i have been a member for a longer period thanks in advance

Hi Guys This is probably an unusual question. I'm part of a new health group and we are looking for a name for the group. Most members are in favour of "Natural Health & Education Institute" or something with "Institute" or "Foundation" in it. We want to register the organisation, buy the domain and protect the name. Are there any legal implications around using the word "Institute" or "Foundation"? If so, how can we research to find out what words/names cannot be legally used please? Thanking you in anticipation.

hi guys, i was witness to a fight outside of work which involved a collegue. i told the police that i didnt see who hit who first(which is the truth) but i suspected that my collegue was hit first because his teeth had been knocked out. now when my boss asked me to give her a statement i wrote that i saw the other man hit my colleague first. its now going to crown court as my collegue is acused of stamping on the other man. can my boss sack me for giving her false account of what happened.

I was told they were being challenged but i've heard nothing about it? I keep reading about frankly scandalous and shocking cases affecting people a lot worse than me and it seems like it's only going to get worse. I watch some news and political programmes and i never see it being a addressed at alll; why not? It's just sheer lunacy what's going on and i've thought about trying to return to work to avoid the uncertainty and difficulty of all these reforms. How they can get away with it? It's bad enough dealing with a health condition without the added pressure of some seemingly nasty and deliberate measures to hurt people or make things immeasurably worse. My question is how can this be allowed to continue withoyut legal redress when Atos doctors are coming forward and alleging they are asked to amend the interview notes. That's why i'm posting this, i was incensed when i read about that recently and i just remembered that Cameron said the weakest in society would be looked after with them in power but they don't seem to care which is why i guess they're called the nasty party! It's one thing to line you're pockets or be in bed with with big corporations but it's another to treat people clearly to sick or disabled to work this way. It goes against what this country, as i understand it, is about. Too unwell to continue so i'll leave it there! Cheers. Teej75

I recently tried purchasing a £1,600 laptop through Dell (28/12/12), however it wouldn't go through as my bank wouldn't release the funds for this transaction. Dell didn't receive any money, so the whole order was cancelled on Dell's behalf (it said "Cancelled" on their website, so the proof is there), and it was left at that. Knowing that the order was now cancelled and my bank wouldn't release the money to them, I had another think about it and decided I wouldn't attempt to make another order as there were a lot of sales going on after Christmas and thought my money could be better spent, even though I did need a high end laptop for my animation work. Roughly, 2 weeks later (08/01/13), Dell had made a completely new order without me knowing, whatsoever. I only found out because I got an email through telling me my order was now "In production". I looked at my bank account and noticed nothing had been taken out, so I thought it was a glitch on their system. Perhaps, I might even get a laptop for free out of it? A couple of days later I then receive another email from a Dell rep informing me that there was indeed a glitch in their system and gave me a link to track the order, which has now been shipped out to me. I again, look at my bank account and notice they haven't taken any money from it. I thought great! It has gone past the payment verification stage, all the way through to the shipping stage without them charging me. I thought this was karma for them as they completely screwed me over on my last purchase of a Dell computer earlier that year. Anyway, I tried purchasing some food yesterday and my card got declined. I've been without food since last night and it was incredibly embarrassing at the time! I've looked at my statements and can now see Dell has taken out a massive sum (the original price of the computer) out of my account which has caused me to go well into my overdraft, and now probably incurring interest charges as well! The order was made without my knowledge, and the charge was made without me authorising it! How do I approach Dell about this? Where do I stand legally? A simple refund won't do, if they have indeed broken the law and have caused me an overwhelming amount of stress with the possibility of interest charges made to my account. I am supposed to be receiving the computer today. Should I keep it and demand a refund? What is my position in this?

I have just checked my documents from LBL company Automoney and my Documents :- Pre-contract credit information Fixed Sum Loan Agreement regulated By Consumer Credit Act 1974 Bill of Sale Have all been only signed by Myself and the Automoney employee and not Independently witnessed. Can anyone please tell me how i stand ? Also are these documents invalid or incorrect? Can my vehicle be repossessed because of these documents? Does my LBL now become an Unsecured Loan? Thanks again in anticipation

Hi, I hope someone can help me with this slightly complicated matter: Please bear with me as I give you some background information first: I live in the Republic of Ireland, and my son is a successful athlete. Last year he received private sponsorship and part of this was to provide funding for a personal training programme with a UK based sport-specific trainer. This was to cost £120 per month. In the meantime, my son's sponsor has become unable to provide further support, and my son is unable to fulfill the payments to the trainer. I contacted the trainer in question, explained the circumstances, and asked if we could come to some mutual agreement to resolve this. At this point, my son had received no plans or help that he hadn't already paid for, and I contacted the trainer (explaining that my son's funding had been completely withdrawn) to ask if we could send the him a sum of money as a gesture of good will, and that my son would receive no further plans or help. The trainer then emailed me back, pointing out that my son had signed a contract committing himself to a 12 month plan, and that we therefore still owed him £360 (3 months training.) He was insistent that we pay the amount in full. Sorry to be rather lengthy in my background information but I hope it helps to make the situation as clear as possible. So: Last Friday I received an emailed letter from a UK online debt collection service demanding payment in full of the £360 within the next 7 days or court action will ensue. My main questions: The contract was signed by my son when he was 16 - there were no parental signatures, so can this be legally binding? If it is legally binding, can it be pursued from the UK to the Republic of Ireland? I take no pleasure in not paying the amount, but firstly we can't afford it, and secondly I think the trainer is being unreasonable in demanding money for services he has not provided. As a final point the actual contract has a typographical error in it that states it runs from 1st of November 2011 until 31st of September 2011. Thank you in advance for any help or advice you can offer.

a few months ago i was desperate and stupidly took out a log book loan. the loan was for 2000 pound and i have to repay 5000 pound i know i was stupid but i was really desperate. the thing is the car and the logbook are both in my wifes name although my wife knew about the loan when the agent called to fill in the loan documents my wife had been called away to save him having to return the agent forged my wifes signiture on the loan documents . does anybody know if this loan is legally binding i know its a strange case but it did really happen the agents signiture looked nothing like my wifes he was just as desperate as me to make is sale can anyone help please

Hello everyone, I really hope that I can have an answer to this problem and that it may help others as well. Recently, after much struggling with a sense of guilt! I decided to go ahead and use the services of a claims company to try to reclaim some of the PPI I believed I had been mis-sold. Within a few days of contacting the company i received a call and made a few claims through the company. I believed it to be a no win no fee so was quite happy to pay the charges should they be successful and should I receive any payout on a successful claim. Today I received a bill from the company for over £400 for their services. In the same envelope was a letter telling me that the bank had made me an offer for over £1100. Delighted - no! I thought I was going to be over £600 better off after I had paid the claims company, was I ever wrong:( On closer scrutiny the bottom line is this - Whether I agree to the Bank offer or not the claims company want their fee. The bank offer is to pay £1100 and to take over £900 of the money for an existing loan I have with them.(not in arrears) I feel like I'm being ripped off because I am being asked to pay a claims company before they will process my claim and the bank want to keep most of the award from the PPI complaint. it goes like this - 2 forms in the letter for me to sign - one for the claims company to get their money the other for the bank to get my money, only I dont get the full 1100 from the bank I only get £180 after the existing loan is settled, and I dont even get that unless I pay the £419 to the claims company up front. And, to add injury to insult even if I don't agree with the banks offer (not the amount, just taking the money they owe me to pay an existing loan not in arrears with the payment) and reject the offer, the claims company have billed me anyway. 'Rock and a hard place' and the word 'squeezed' come to mind. Now my perspective is this (and I would appreciate any sensible comments and advice on where I stand and how to proceed in all this from a legal perspective please)-: the claims company should not have billed me prior to my accecptance of the banks offer because as far as I'm aware the bank should pay the full award settlement to me before I have to pay the claims company. This is not the claims company getting me the money legally due to me it is the claims company getting my money and the bank keeping it. I'll end up a further £240 out of pocket!!Which I can not afford - I can barely make ends meet as it is. The history with this bank is this: I had 2 loans with them in 2003/2004. I went into arrears with payments because of redundancy. After a period of time of paying off a reduced amount they were bought out by a larger bank and that bank wrote to me and offered me a solution to consolidate the existing amounts outstanding into one new loan, thereby getting rid of the loans and the bad debt. I accecpted that new loan agreement nearly 6 years ago and have not missed one payment in all that time. The bank now want to take the money I'm being offered for being misold PPI on those original loans and use it to pay off the balance - surely that cannot be right? I know I owed the original loans but a new loan agreement had been extended by the bank and agreed. I want to contact the claims company and tell them that I do not accept the bank offer and do not accept that I owe them any fees until I receive the settlement in full into my bank account from the bank. Can anyone give me some sound advice please? Many thanks in advance