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  1. Thought id challenge the processing of my personal data by a former employer in relation to my banking data, death-in-service beneficiaries and emergency contact details (wife and son's personal data). I left the company in June 2016. The ICO's public guidance is that the aforestated data should be deleted once the employee leaves the company. The ICO has just made a decision that is contrary to the public guidance??? the decision states companies can process the data for seven years. This is bizarre - either the public guidance requires amending or the ICO decision in my case is
  2. For a windscreen ticket (Notice To Driver) please answer the following questions.... 1 The date of infringement? 4/9/17 2 Have you yet appealed to the parking company yet? [Y/N?] Y (stupidly enough to negate my Pofa) if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide has there been a response? Y - appeal rejected 5 Who is the parking company?Parking Control Management (UK) Ltd (“PCM”) 6. where exactly [Carpark name and town] did you park? Right to park in ow
  3. Hi I am hoping someone can give me clarification and how to approach as there is a lot of info out there and not sure if regulations have changed. I live in a block of flats where I own a flat and dont rent and have a designated parking spot. Stupidly I didnt stick my permit to the screen and just let it rest on the front and it must have fallen off. Regardless it went missing and last Friday morning at 6am I received a parking ticket from UKPC. I am not sure how to approach and whether I should email UKPC to appeal and explain my situation and hope they take some sympathy.
  4. Hi All Firstly, a massive thanks in advance for any advice that can be given. I feel a little bit lost in the law and unfortunately can't afford a lawyer so it's great to have communities like this to come to. My situation below: I live in a flat that shares it's car park with the rest of the block. The buildings management has employed ParkDirectUK to manage the car park and they require parking permits to be displayed. ParkDirect recently gave me a £100 parking charge as I forgot to display my parking permit. I contacted them with evidence of my residency and my parking pe
  5. Debt management bosses banned after transferring half-a-million from own companies READ MORE HERE: https://www.gov.uk/government/news/debt-management-bosses-banned-after-transferring-half-a-million-from-own-companies
  6. Last year I owned 3 vehicles and sold one last year and ownership papers passed on, I only had it one year, it was a sports car for the summer. A few weeks ago I got a letter through the post asking if I wanted to renew my insurance and if so it would cost £220, this was exactly what I paid for my camper van insurance last year and the quote came at the same time, I always insure it in April and tax it then. As it came at the usual time, I thought it was a decent price and put it in the drawer to sort out nearer the time. I then got a phone call asking if I want
  7. Rent-to-own retailer BrightHouse has been told to pay £14.8m to 249,000 customers by the financial regulator, the Financial Conduct Authority (FCA). BrightHouse will compensate customers who had cancelled agreements after one downpayment but had not been refunded. It will also make payments to those who signed up to lending agreements that "may not have been affordable". The FCA said BrightHouse had not acted as a "responsible lender". http://www.bbc.co.uk/news/business-41732865
  8. Rent-to-own retailer BrightHouse has been told to pay £14.8m to 249,000 customers by the financial regulator, the Financial Conduct Authority (FCA). BrightHouse will compensate customers who had cancelled agreements after one downpayment but had not been refunded. It will also make payments to those who signed up to lending agreements that "may not have been affordable". The FCA said BrightHouse had not acted as a "responsible lender". http://www.bbc.co.uk/news/business-41732865
  9. Hi all, I received a letter yesterday from Rossendales saying I had to pay almost £3300 within 7 days due to HMRC saying I owe for overpaid Tax Credits from 2009-2010. I disputed the overpayment at the time, as HMRC wanted proof of my childcare costs and I was in dispute with my childminder at the time for an incident with my daughter where I removed her from their care and they refused to give me receipts, saying their paperwork was with their lawyer as they were going to do me 'for slander'.... I explained this to HMRC and said I couldn't provide the recei
  10. Hello I live in a cul-de-sac and my house is the last house on the road and I have my own drive at end. Today, I received a PCN code 62 while parked on my own Drive. It states 'Parked with one or more wheels on or over a footpath or any part of a road other than a carriageway'. My car was parked with the back wheels just on the edge of the footpath, something I have been doing since 1988 but for some reason I have received a parking ticket today. The footpath ends at my house, although a neighbour whose garden backs onto my drive has put a small gate in his
  11. https://www.theguardian.com/commentisfree/2017/aug/03/britain-world-beater-ripping-off-citizens-rail-fares-water-energy-bills British Gas increases its electricity prices will rise by 12.5%, starting next month. Just as the cold nights start drawing in despite the competition watchdog judged last year that British Gas and other energy giants were taking well over a billion pounds a year through “excessive prices” Thames Water divvied up £1.6bn in dividends to its small circle of shareholders Hinkley Point, at an estimated cost to British households of £30bn taxpayers
  12. Hi Everybody. I'm new here so please go easy on me if I've missed anything. I live in the Olympic Village and pay £75 a month for a number allocated parking space in the underground car park which is managed by Gemini Parking Solutions. Last Monday (Bank holiday Monday 17th) I found a Parking Charge Notice on my windscreen and a ticket attached for £100 or £65 if paid within 14 days. I also found that my parking permit had fallen off of the dashboard onto the footwell. I emailed my managing agent who asked for a photograph of my permit + a photograph of my ticket and th
  13. Apparently he had repeatedly asked how much he had been overpaid/overclaimed and he never received a response. He was terrified that he would be £thousands in debt. Another tragic victim of the benefit system http://www.mirror.co.uk/news/uk-news/coal-miner-took-life-after-10477308
  14. RBS made me an offer of £2k for ppi from 2003 They said they would pay me by cheque. However, the other day I had a message saying "we have deposited the money into your current account. On checking this I found that they hadn't deposited into my account, but to their own holding account pending further investigations. I phoned the ppi office to be told that the loan on which I claimed the ppi had arrears and so they were investigating. However, I then phoned RBS credit management and they confirmed I had no outstanding debts, but then claimed they still need to investigate.
  15. http://www.thisismoney.co.uk/money/news/article-4425464/Staff-meltdown-Financial-Ombudsman.html Sorry If I posted in the wrong place or if it has already been posted.
  16. I have a debt under my DMP that is now with NCO Europe I presume they are merely the collectors for the original business-Direct Line Loans. Can anyone offer advice about this?
  17. Complicated story. My neighbour confided in me she just found out she is being evicted at 9am on the 11th Jan 17. She is 69, has long term mental health conditions and her affairs were previously handled by the court of protection for some 20 years. She is a leaseholder (66years remaining) of a flat within a house conversation, it appears from the paperwork I have seen the landlord has been successful in gaining possession and she is now being evicted by way of forfeiture. The original claim for forfeiture in 2014(?), which was withdrawn states for
  18. Its a first post I'll be brief. One year left on mortgage. trouble with payments, only £7000 left to pay and will be paid off next year. Santander want to threaten me with litigation and take me to court. I was forced to take early retirement couple of years ago due to cancer. Any advice? going through the usual channels RE debt advice, expenditure etc cheers guys Meicimac
  19. http://www.bbc.co.uk/news/world-us-canada-38164590 I probably would have ... But I hope I would have had the kokum to pull my hoody up...
  20. My daughter is 14 and has been a poolside assistant since May. She works 1 hour per week and is paid £5. She is basically in the pool with young children and assists them during their swimming lesson. She ensures they don't get into difficulty and supports them if they become scared or upset. She has been told that she needs mandatory lifesaver training to continue with the job but it will cost her £90 to do the 7 hour course and won't get paid for her time either. This means that it would take her 18 weeks to pay for the course. We were told she would need training but not at our own cos
  21. Hi, I am in receipt of Employment Support Allowance and I would like to run a small not for profit community project, which I would like to register as a Community Interest Company (CIC) and would volunteer running it part time ( a couple of hours per week). I understand if I’m in receipt of ESA I am allowed to do some ‘permitted work’, and that specifically includes volunteering for a CIC company. However, I cannot find any information whether you can or cannot register your own CIC and volunteer for your own CIC while in receipt of ESA. If anyone has any infor
  22. I am trying to replace my rather elderly Volvo estate. At the moment, I have a wheelchair hoist in the boot that lifts up my wheelchair and deposits it into the boot. The hoist is matched to the car, and the wheelchair, and it can be a pain finding a combination that will fit, and obviously, some tailgate openings are just too small. I therefore went to Volvo UK, and asked them for the dimensions of the tailgate opening of each of their estates - I mean, there are only three, and armed with those numbers I can go to the vehicle adaptations place and see whether my current wheelc
  23. Citizen Advice are asking customers of rent-to-own companies to complete a short survey about your experiences of shopping at BrightHouse, Perfect Home or Buy as You View. Your responses will be used to produce a report about consumer experiences in the rent-to-own market. This report will be used to see whether more can be done to protect consumers such as yourself. https://docs.google.com/a/citizensadvice.org.uk/forms/d/1-exGdFfQaO9CiwOKicwroUQvh5bg0J2F1fCZHJBsL5Q/viewform?edit_requested=true
  24. I received the following PCN outside my house and want to appeal as my car was not blocking the dropped part of the footway. I was in a hurry when I left yesteray morning so I didn't take a picture of the side of the car from the road which would have clearly shown it was not blocking it. heres the PCN And now a couple of the enforcement pics - note there is none showing the side of the car from the drivers side as this would clearly show no blocking In the bottom pic you can see the other enforcement officer in the background smiling - not very professional!
  25. i have been dealing with housing options as well. this is about my landlord misleading me from the start with fraudulent tenancies. ie 1 making me pay a bond and months total £600 for my own tenancy in a two tenancy house 2 making me sign and witness the other tenants tenancy and £600 when, in actual fact, he had not paid a bond or months rent at all. i was told this three months later by the landlord in a recorded meeting 3 the landlord did not protect my bond and as a result of this, I am in a horrendous position 4 the landlord returned my bond 2 months after i paid it and then c
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