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  1. Hi I have been asked by a neighbour ( has no internet ) for advise re a fixed penalty notice that they got today. It is dated 25/5/2018 and the offence was 13/5/2018! They were caught doing 57 in a 50 stretch on the M1 , They wanted to know why it has taken over a year for this to arrive! The said neighbour drives for a living and was in their works van. I am going ask for more information as know they only recently got the van they are using TIA Sandy
  2. hi to all im a new user on here and need some advice please! here is a brief description on the matter back in 2013 i signed up with talk talk for phone bb and tv services, after approx 3/4 weeks of no services i rang them up and told them i would like to cancel the contract as they had not provided me what im paying for. after numerous phone calls about the above issues talk talk said the contract would be cancelled and that would be the end of the matter there would be no charges due to early termination of contract etc. although i never received anything in writin
  3. hi guys, so i have the name, mobile number, email address and bank details of the professional that i hired, unfortunately they never gave me an invoice and i never gained their address. The job they did was below standard and they even damaged our property for me to be able to take action against them i need their address, so since i know you need to obtain a court order for the bank to release the address, what form do i need for this to happen.
  4. Per Chancellor Hammond: "We have over three million European migrants working in our economy and we have full employment. So clearly we need people to come and work in our economy to keep it functioning" in response to suggestion that “the impression on the European continent is that your government sees the future business model of the UK as being the tax haven of Europe”. http://uk.businessinsider.com/philip-hammond-suggests-britain-could-become-a-tax-haven-after-brexit-2017-1?r=US&IR=T
  5. Hi all, Around 18 months ago I brought a used car from 'Bristol Street Motors' on finance. The car is a 62 plate Peugeot 208 currently at 43k miles and is currently financed for a total of 4 years. A few weeks ago I noticed a blowing noise coming from the car - so took it to a local garage to have it checked out they pointed out that the catalytic converter had split and after looking up the part it was around £800+ fitting. After doing a bit of research and found that most sites saying the earliest one of these should need replacing at is 10 years / 50,000 miles.
  6. Mirror Online wants to publish the electoral spending returns of every one of this Government's 330 MPs - so you can hold them to account on their spending We aim to publish online the electoral spending returns of every one of this Government's 330 MPs for the country to judge whether they were entirely truthful about their spending. The Mirror was the first to break the story in March that more than two dozen Tory MPs benefited from battlebuses packed with Tory activists but failed to declare any of the costs. Much more on the link. http://www.mirror.co.uk/news/uk-news/part-daily-
  7. - MSE Based Article. Take The Survey Here
  8. My partner has a problem with a tenant. The tenant was taken to Court because of non payment of rent for many months and left just before the bailiffs were due. As the tenant owes something like £6550 in rent plus Court fees and legal fees it would seem equitable that their deposit is used to offset their debt. However the TDS service doesn't seem to look at things this way. I understand that the deposit was originally paid in by the tenant but they surely have foregone any claim to it now since the debt is so large and the £2000 deposit would go some way to reduce the debt. My partner
  9. Hi, My good friend has been on sickness benefit for a long time at one point she was on dla too. It may have change and she may just be on a pension now, I do not know but will find out. she was taken very ill and is in hospital. However they say they will release her soon. However there are some urgent functional problems in her home that have not been repaired that need repairing plus lesser urgent but equally important work needs doing maybe costing altogether £5,000 upwards. This is aside from cosmetic re decorating that seriously needs doing too. I recall a la
  10. HI Everyone, Im hoping you can provide me with some good advice. My sisters best friend gets married today, My sister has spent £150 + on her bridesmaid dress, She now cannot attend today, She has recently become very poorly through mental health and deteriorated in the last three weeks. The crisis team have been involved and a consultant psychiatrist. She has been off from work as her job as a nurse since before christmas and from the 7th June will only receive £81 a week sick pay, ( her outgoings amount to £1200 a month) Her friend ( the bride) has suggested that she does
  11. Hi all Got an interesting question that I've not been able to find a definitive answer too. My dad is disabled and gets the full motability allowance, but is no longer allowed to drive. So for the past 3 years as I bought a car specifically large enough to take him and my mother (both are also elderly) out and about... We were able to nominate my car for use as a disabled vehicle. This means it's been transferred to disabled use and we are exempt from VED. But at some point in the next 12 months, I will need to change the car as it's getting on a bit and starting to cost
  12. Good afternoon, I'm after some work related advise; I work in a kitchen with four other people - 4 of us have "contracts" that are 5/7 & 1 is a weekend worker- Over the last three months 3 of us have changed our rota to meet the needs of the business - mixed shifts / later shifts & also 1 weekend in three - the fourth person that has a 5/7 contract has now point blank refused to do the same & apparently has said "she'll leave & she can't do weekends or late shifts" now we are at a stage were the three of us are really ****ed off due to this person, while we've bent over b
  13. Sorry I need to ask for advice but not sure where to ask or where to post, we hired a person who assured us he could do the job which was laying a large patio, he left it unfinished and in a very poor state, not flat or level, he admitted liability and admitted the job is awful and said we would only need to pay for materials and no labour which is fine, we don't want him back as its obvious he cant do the work at a satisfactory standard, we now have to find someone else to dig up the entire garden and start again, what can we do, we contact
  14. Hi everyone I would be really grateful if someone could give me some advice in order to help my niece whom I will call Susan for the purpose of this plea of help. Susan started work at a children's day nursery and completed her 3 month probation 1 month ago. The nursery works by ages in the rooms, Susan is with age group 3-4. Things were great when she first started, but her team leader moved back into her 'director' role into the office and was replaced by someone else, it quickly became apparent to everyone that the new lady was not up to the job (even being sent home when OFSTE
  15. This is getting ridiculous now: I am partially sighted, have a hearing impairment, have Autism and a serious brain condition. I currently live in my parents house, which has 5 steps to the house and we live on a main road. It has been decided that I am in the lowest band and need a house with maximum of 3 steps. I have stated on my application that my parents house has 5 steps to the entrance and due to my disabilities, (my balance is affected) it's becoming difficult to get in and out of the house safely. My disabilities mean that I have no depth perception. The edge of the steps
  16. Am 60 and on ESA. I sold my house for £51,000.I have moved in with my daughter and partner and paid them £45,000 to house me for the rest of my days.Because of my change of circumstances I am filling in ESA3 and a form for council tax help. We are seeing a solicitor to draw up our arrangement legally. But I don`t know what form this should take.I am in danger of being accused of gifting her the money. Do I go for a Declaration of Trust, a lease or tenancy agreement or what ? I have spoken to 2 solicitors on the phone,one who just told me to go elsewhere, and a Welfare rights solicitor who tol
  17. Hi need a bit of help/advice please from Vodafone and I believe they have a rep on here. April last year my son got his first new full time job and treated himself to a new phone contract without telling us, well he is a young adult so he didnt think to tell us. hes been using the phone as they do and occasionally it would go off and he said oh I havn't paid the bill I will ring them which he did and it got put back on. Now its been off for a while and he owned up to a huge bill and he cant pay it, he says not his fault as CPW said he had unlimited data (this is
  18. Safety First. E-Mail Note from a man in Sheffield to his friend in Birmingham: I was fed up with being burgled every other day in my neighbourhood. So, I tore out my alarm system & de-registered from our local Neighbourhood Watch. I've planted a Pakistani flag in each corner of my front garden and a large Flag of ISIS in its centre. Now, the Yorkshire police, the National Security Bureau, Scotland Yard, MI-5, MI-6, the CIA and every other intelligence service in Europe are all watching my house 24x7x365. My children are followed to school every day
  19. Evening all, A lady has explained to me that her estranged husband had broadband from AOL in his name, but hasn't bothered to pay the bill... AOL have now cut off the broadband, she lives in a rural area and has asked BT for broadband but they have refused, is it possible that there is some kind of adverse marker on the line?? many thanks in advance
  20. Hello, after reading so many posts on the forum I decided to join and seek my own help and get advice so please take it easy on me as a logof the terms used I am still getting used to. My problem. I havehad a Halifax Credit Card (MasterCard) that I started on 27/5/2008 now likemany others I got carried away and over spent on a lot of things and even usedthe card at times to withdraw money from ATMs as I was short on cash and only hadpart time job and the Card was only way that I could pay bills and other dailystuff. Now as the months went by and I reached my
  21. hi all, I am the main claimant for benefits, and have been for some years. We have an 8 yr old. my problem is : I have mental health problems over the years resulting in a breakdown. I was told I was unfit for work at a medical assessment over a year ago. however, I am interviewed every six months to see how I am getting on and if and when I will be able to work. This frankly is making my situation worse as it just piles pressure onto me. my husband is capable of work and would quite happily do so.(he is not my paid carer) I am in no fit state most days to cope on my own and we both know t
  22. I would appreciate help iro submitting my defence which is due on 05/07/2014. AOS was submitted on 19/06/2014. I have attached relevant docs. The Credit Agreement was provided following a CCA request to Marlin. As it was too difficult to read they then provided the letter of 23/01/14 with a typed out version of the declaration. I believe that I had a default notice from Northern Rock in 2009 and have received the statutory notices each year. The loan was opened in 2001. The last full payment was made in October 2009 and token payments were made in Dec 2009 , Jan 2010 and F
  23. Hi everyone, Please could you help me on this matter. I have got an unsecured loan with a finance company, unfortunately due to a change in circumstances I wasnt able to pay the regular monthly payment. I verbally agreed with the finance company a reduced monthly payment which i paid for 18 months by standing order. Unfortunately I had to cancel the standing order at the beginning of the year but re-instated it last month. Early this year I received a letter from them explaining that my account has been transferred to another company within their group. For the
  24. Hi all, A friends father is profoundly deaf, and he has just been diagnosed with prostate cancer. He cannot discuss anything over the phone, etc, so it would be easier for his daughter to be given access/permission to discuss any appointments, care etc for him on his behalf. he is happy to do this, as it is now looking like an care plan will need to be put together soon as it is untreatable, a nd without it, his daughter would struggle to discuss info with medical professionals. Is there anyone who knows anything about what this letter should say, we have be
  25. Hi, I'm posting this in the hope that someone can give me advice on how I can help my Dad. My Dad had a company that folded a few years ago that had secured business loans with Lloyds bank. He then had a triple heart bypass and during his recovery time the loan payments were paid by the insurance policy on the loan (it seems just the interest). Now he is working again (self-employed, he is 65) Lloyds want the debt cleared and are telling him they want to take his house. Earlier this year he came to an arrangement with them where he pays a certain amount per month. He made a
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