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  1. Good afternoon, In a nut shell. Opened a BC CC in Mar 2003. Missed a few payments which meant that i incurred Over Credit limit charges. Over the course of the next 14 years, it escalated. Despite missing payments and over credit limit charges, BC doubled my credit limit on 3 occasions, June 2009, March 2011 and March 2014. Leading to more financial trouble for myself which was impossible to get away from at the time. Finally got back on track in 2018 and managed to clear the balance, but still incurring interest and some charges. Prior to each limit increase, my
  2. Hi folks - here's my question. In October 2018, I received a NIP for doing 59 in a 50 zone, and this went forward with a Fixed Penalty. However, the points for this would put me on 12 (I probably should have known, but it didn't actually occur to me to check). The HMCTS, in early January, returned my driving license and refunded my £100 fine, informing me that GMP would be in touch "forthwith" in order to proceed to court for the totting-up ban. I have yet to hear anything from GMP. My question: Is there a time limit between the offence and the court date, or between the HMCTS de
  3. can someone please confirm to me how far back i can claim for being overcharged by my landlord, on the annual insurance premium on my leasehold flat? I have discovered that they have been overcharging me 4% of the premium since 1994. this equates to almost 5k Thanks.
  4. Two questions: A) Has there been a precedent for instances of inconsistent, incorrect or the inappropriate application of variable speed limit policy on a Motorway providing a legal basis to challenge a speeding ticket? For example: 1) Motorway road works have road side speed limit signs stating 60 mph but overhead gantry displaying lower variable speed limit i.e. 30 mph without risk factor justification. The remotely controlled gantry signs do not correspond to conditions on the ground. 2) Motorway road works end and maybe end of road works signs are displayed each side of the
  5. Haven't been on here in some time, so I hope I'm posting this in the right place! Background I left the UK for the US in October 1999, at which time I had several hundred pounds in Council Tax owing. Only thing that's been heard since was in 2004 when a DCA (I think it was BCW) wrote to me at my Daughter's address - I have an uncommon surname and I think they were chancing their arm. She wrote back to the effect that she had opened the letter in error, I wasn't resident there and never had been, and that she believed I had left the country several years previously.
  6. Hi Guys, I have just received a postal requisition for alleged criminal damage to property. I believe the prosecutor must issue a written charge not more than 6 months after the offence alleged. Is this correct ?
  7. Hey Guys, I'm following up on some recent developments (though still not confirmed), that a DCA has recently won a claim in Glasgow Sheriff on the basis that a clause witten CCA stated the contract would be treated by English law would be subject to England's statute limits instead of Scotland's. Assuming that this has happened and no appeal's being persued for this case, or if a potential appeal also fails; where does that leave people in Scotland with their devolved rights? Is Scottish the time limit out of the question now for most credit disputes? Is it valid that most
  8. In Schedule 6, CCA regulations 1983 is says Credit limit 3. Agreements for running-account credit. A term stating the credit limit or the manner in which it will be determined or that there is no credit limit. On the agreement/ photo copy of the application form, it does not state a credit limit, it just says, we will tell you your credit limit? Which I still don’t know what the opening credit limit was. but never the less, does this comply with term above (or the manner in which it will be determined? section.
  9. I received an NIP for "speeding" on the motorway in a speed restricted area. The signage was very unclear and when I sped up it was because I thought the speed restricted zone had ended as there was no signage to suggest otherwise and other motorists sped up too making it unsafe for me to continue at the restricted speed. I was recorded as going 9 miles over the speed limit when I called to ask about this they told me that it was an average taken from when I entered the zone and when I left. Does anybody know anything about how they work this out? And how I could challenge thi
  10. Hi My parents gave me a large sum of money in 2008. I suggested getting a contract drawn up stating repayment amounts and a time frame. My Dad said he didn't want to do this. A few months later, My Dad wrote me a letter, which my brother stole from my house, stating that he would like me to repay the "loan" within 2 years. I'm not quite sure why he did that. He has never mentioned it since, and I wonder if my brother manipulated him into doing it. This letter has now been sent from my mother's Deputy to my solicitor, asking me if the letter is genuin
  11. Good evening everyone, I have a CCJ for a debt that has a default date of Sept 2011. The CCJ date is March 2015. I understand that the CCJ will remain on file for 6 years. However, make yourself comfortable, I was out of the country when the CCJ was issued. I have rarely worked in the UK for the last 10+ years and when I don't work I travel/survive. I can clearly show that for several months before and after the CCJ date I was not in the UK. Based on this I want to have the judgement set aside. If I wait a month and if this is successful, will the debt be too old and d
  12. I have 3 children (3,5, and 7 y/o) with my ex partner, and we share care for them (they stay with me about 3 days/nights per week). Until now, we'd agreed to split the child tax credit, so I claim for one child (the youngest), and she claims for the other two. Now she's saying that doesn't work for her any more, and she needs to claim the tax credits for all three. Does the new legislation allow her to add our third child onto her existing claim, or will she come up against the 2 child limit? From what I've read, it applies to children born after 6th April this year, or to any new cl
  13. My son is having a problem with a Visa charge back through RBS. He bought a car 3 September 2016 the rear brake lines ruptured suddenly due to corrosion on 15 December 2016. The dealer agreed to fix it. Then 13 January 2017 it failed it's MOT because the front brake lines were corroded. At the same time various advisories for corrosion on most of the underside suspension, chassis would have cost more than the car was worth. My son rejected the car under Consumer rights act 2015 (note that this requires the dealer to collect the car). He refused the rej
  14. The maximum compensation payable to account holders and savers if their bank collapses is to return to its previous limit of £85,000. The Bank of England said the change to the Financial Services Compensation Scheme (FSCS) would happen by 30 January 2017. The compensation limit was lowered to £75,000 in July 2015, following sterling's rise against the euro. The FSCS covers current and savings accounts, and cash ISAs http://www.bbc.co.uk/news/business-38050155
  15. Hey, I currently have a DRO in place. The conditions say that I have to notify any creditor that I have a DRO if it's for more than £500. My phone contract is coming to an end, and I want to upgrade my handset. I can either stay with my current provider, or go with another. But my question is - do I need to tell them about my DRO? Either if I stay with my current provider or move to a new one. I can get a phone for about £30 per month, on a 24 month contract. So that means I'd spend £720 over 2 years. Does this count as a £720 loan? I don't want to jeopardise my DRO,
  16. Hi As the subject suggests, can anyone please tell me what is the time frame in which to start (or complete if required) a case to reclaim mortgage fees etc from acenden? thanks
  17. Hello, I wondered if anyone knows how long MET and euro car parks have to take you to court once all letters have been ignored by the motorist? I received a euro car parks ticket for an incident on 5/9/15 when I had sat in the car for 10 mins or so as I was not feeling well (I have a medical condition). My ticket was for staying longer than than the hour's ticket I paid for by that 10 minutes. I ignored all the letters, the last being on 31/12/15 from their debt company giving me a' last chance to pay to avoid court proceedings'. I also received a MET ticket for an incident on 12/9/15
  18. I have had visa card for decades with largish credit limit of around £7000, very light usage, and always paid in full before pbd. The latest Card was issued in 2010 and I did not use it for any purchases but kept it for emergencies only, and was due for renewal at the end of July 2014. However, sometime in Feb 2014 they sent this surprise automatically generated note; “Would you like to keep your Barclaycard account open? We've noticed you haven't used your Barclaycard Classic card for a while and thought your account may longer be needed. That is why on 9 April 2014 we'll close
  19. Deposits made by private individuals and small businesses to any authorised firms are protected by the FSCS. The current £85,000 level of protection is being reduced to £75,000 (£150,000 for joint accounts) on 1st January 2016. If you're risk averse, it's worth moving the cash above £ 75,000 into other accounts so you'll always be protected. http://www.fscs.org.uk/what-we-cover/eligibility-rules/compensation-limits/deposit-limits/
  20. Hi, I was wondering if anyone can clarify something for me. I received a "notice to owner" and made a formal appeal against a PCN, however the council have not sent me a notice of rejection and it's now gone way beyond the 56 day limit in which they should respond. I was of the understanding that if they didn't respond within 56 days the PCN was cancelled, however I've since been sent a charge certificate, which I've challenged, they then sent me a letter offering to let me pay a reduced amount as "a good will gesture" which I've declined and they've now sen
  21. Hello Friends, I have this question with regards to refund claims passengers make. I am aware that passengers have to make claim for delay with 28 days of the delayed journey. So far so good. But How long can the rail companies take to refund the money? Will they not be subject to any existing rules to make refund within certain number of days. Was wondering if this kind of claim is any different from general consumer laws. I am sure there are rules about the time limit within which a customer/client must be refunded, if a valid refund claim is made? Thanks
  22. From 5 December 2014 the blood–alcohol limit is going to be reduced from 80mg in every 100ml of blood to 50mg in Scotland. In practical terms this means that someone drinking alcohol and driving could be ‘over the limit’ to drive after a relatively small amount of alcohol. As the normal method of checking how much alcohol is in your system is a breath test you should be aware that the new limits for the breath test are 22 microgramms of alcohol in 100ml of breath. This has been reduced from 35 microgramms The new limits are only being introduced in Scotland. If you are in
  23. Hi, My specific question is whether there is a time limit from the date of a parking "offence" and the date when a private company take court action? I received a ticket for an incident that happened on 10th January 2014 (short story: free car park, I left the premises temporarily to get money from an ATM for the shop in question, got a ticket 6 minutes after parking for leaving the premises). I have so far ignored all letters completely, that's my decision after reading up online whether or not that was the right thing to do, I've taken a punt on it being so. The
  24. Hello, I opened a Tesco credit card with a £400 limit. I spent £399.94 on it. Then they added about £6 interest which took me over the limit and they charged me a £12 over-limit fee. Can they do this? Thanks
  25. Hello, I've received the following NIP: Issue Date 12/8/2014 Date of Offence 22/7/2014 Time : 20:14 Location : M5 Jnc 16-17 Southbound S. Glos Offence : Exceed a variable speed limit 40mph - automatic camera device. The recorded Speed was 52mph I have no recollection of the offence but question the variable speed limit being 40mph on the M5 at 8:15 on a Tuesday night, there is nowhere on the NIP where you can view the evidence like some police forces do. This is a company car so explains the delay in me receiving the notice. I'm anxious to avoid this one as th
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