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  1. Hello! A Parking Charge Notice has been issued for a car at a time when I was driving. The PCN has been issued to the car owner, and I've asked them to pass on my details. Do we need to do anything else immediately ie. withing 28 days of the date the PCN was issued to the owner? Or will a new PCN be issued to me as the driver? And another little question: the PCN says "If you were not the driver of the vehicle and you wish to provide the drivers details... please follow the instructions overleaf". But overleaf, the only instructions relate to contesting or challenging the charg
  2. Hi there, Yesterday I received a letter from Lowell & 118 (together in one envelope) that Lowell are now the new owners of a 12 month unsecured loan I stopped paying in November 2015. During this period I also defaulted on 4 loans with 4 different payday companies however by now I have taken care of all but this one. I fully intend to take care of the last of my mess which rules out the PROVE IT route but there are a few stumbling blocks before I can do so. After checking my credit report I notice a second default has been placed on my account. How do I go about getting this
  3. Hi. I've sold a car almost 2 years ago, it was my first one and didn't know to I should send log book so I gave it to new owner which said that is going to do this but didn't. Now I recived a letter from debt collector which says that I'm still the owner and have to pay £80. I already made it straight but my question is : - What's happening with a car now? - The car has new M.O.T so is still in use - Is there anything that is going to affect "new" owner that have been using car without being owner?
  4. Today I received a large pile of documents from Prestige Finance, with whom I have a second mortgage. I have identified 10 unlawful charges of £35 each. But this account was previously held by lenders GE Money. Either they went into administration and "became" Prestige Finance, or GE Money simply sold my account to Prestige Finance. I have identified seven unlawful "administration charges" of £40 each while the account was with GE Money, before I found my account being handled by Prestige Finance. So my question is in two parts. 1. Am I entitled to recover the £280
  5. Online retail giant Shop Direct is to close three distribution centres putting almost 2,000 jobs at risk. The company – which owns Littlewoods and Very.co.uk – is to close sites in Shaw, Little Hulton and Raven, all in Greater Manchester, from mid-2020 onwards. It said it plans to build a new warehouse in the East Midlands employing 500 people, but that redundancies were likely. https://uk.yahoo.com/finance/news/2000-jobs-risk-littlewoods-owner-shop-direct-shuts-three-warehouses-135202471.html
  6. I recently bought (January 18th 2018) an ex display sewing machine for £1499.00 (advertised on their website that ALL of their ex display machines are serviced before going out to customers) first off the lady on the phone told me that they do not post out on Saturdays and it would cost £20 for delivery, as this was on a Thursday I failed to see the relevance. The machine was posted out via courier (Parcel Force) and arrived on January 20th. I set the machine up (Husqvarna Topaz 50) downloaded the complementary software from the Husqvarna site and prepared to sew by connecting t
  7. British Gas owner Centrica says it will shed 4,000 jobs by 2020 as it announces a big fall in operating profit. The group said that it was chasing savings of £1.25bn per year by 2020 and that this would likely see a "reduction in like-for-like headcount of around 4,000" by the same year. Some 65% of of the savings will be in operating costs and around £350m will be in the consumer division, which will see "further digitisation". There will be a further 1,000 roles created by 2020 across three departments, however. The announcement came as the firm reported its full-year res
  8. This is a useful High Court judgment and one that should serve as a reminder to anyone considering litigation, that an error by an enforcement agent is not automatically trespass and most importantly, that any claims for loss/damages etc must be proved to arise directly from the agents misconduct -which very often will be difficult to prove. There is also the matter of the need to provide evidence to support any claims (something that was seriously lacking in this case). Background to claim: On 12th March 2015, a writ of control was issued against Mr Miller for
  9. Hi, My ex came over to see our daughter. My elder daughter lent him her car whilst he was here. It's registered to her and was SORN at the time as she was intending to sell it. My ex got stopped for DUI and the car was taken to a garage. My daughter wasn't told about this at the the but found out 2 weeks later, we went to the garage to retrieve the car only to be told that the police had sold it! Is this possible? Thanks Rebecca
  10. Hi, firstly thanks for reading this post!! i'm gonna try and keep this short and simple and skip why its been this late.. the car overstayed in BP petrol station Hatton cross for 11mins from 13:53 to 14:34 on 05/03/17. I received two PCNs from ECP (double dipping?), both identical but with different PCN numbers (my dad did say he left and came back to buy something else). i've been away (dad has no english to deal with this) came back to find a Notice to Keeper from ECP, and debt recovery letters from two different companies. Again, both compaines hav
  11. I'm the executor of a will and the estate includes a property. The relative has died just before the insurance is due to be renewed and I'm having problems finding cover. I'm being told that I can insure it as a second home once probate has been granted but until then I can't. I'm guessing that because I'm not the owner yet I have no insurable interest in their eyes. I can't be alone in this situation. Is it really impossible to insure a property throughout the process of probate?
  12. Hi there I am trying to find out if Lowells did buy the debt are they liable to pay the PPI or is it the Cap One as the Original creditor who is liable to pay this back. I have read it somewhere it is the original creditor who has the right to PPI. Any advice would be greatly appreciated. I have a Cap One card with a small balance which would be SBd in a few months. Lowells claimed that they bought the debt but I had a dispute with Cap One for a long while. I have some PPI on that card which I want to claim. Lowell had put a Default Note in my CRA and the account is in their name
  13. Hi all, Wondered if anyone could help as this has been puzzling me for a while. I had a query regarding when a PCN from a local authority/council reaches charge certificate stage and they ask for whatever payment it is say that if it is not paid by xxx they will proceed to issue an order for recovery. I understand this comes with an option to submit a witness statement saying that you did not receive the initial Notice to owner and can possibly have the fine brought back down to its actual cost if you are guilty of the offense... I don't understand how that wo
  14. I know this is only small change but we went on holiday in August and put a £50 deposit down on a caravan (private owned) this was to cover costs of any damage refundable upon return home as long as there wasn't any damage. It was forgotton about till I mentioned it to the wife in late October she checked her bank and noticed it hadn't been paid back so she text the women who was away on holiday out of the country till early December and said she would check herself when she got back. We got a text message on the 17th December apologising saying she had checked and noticed she hadn't
  15. Hi, First thing is that this is on someone else's behalf so I'm a little vague on exact details. The situation is simple, resolution might not be! Many years ago a lady put her property in joint names. She is still alive, albeit in her 90s and no longer lives there. The co-owner basically haven't been seen, heard from or otherwise around for 10+ years. I am unsure if they have a financial stake (as in paid anything toward) the property, but I believe not. The lady would like this property to go to a different relative instead, or be sold. However as she isn't sole owne
  16. Not sure if this is the right section. My Mother-in-Law has been receiving both parking notices and speeding fines at her address for someone else, who lives just down the road and for what ever reason, isn't interested in having DVLA change the details and said she made a mistake when originally registering the car. My MIL is a very unwell person, suffers greatly from mental health issues and parking notices with threats of bailiffs etc is enough to keep her up at night, and risk of harm to herself. She doesn't drive, and doesn't own a vehicle etc. Many of the notices are o
  17. Horizon are incoming at my flat. I have been informed that only one permit will be issued to my space. I give my space to a girl I know, while I'm at work for free. I'm not in it and it's never been an issue. I have phoned the management company who hgave informed me that the block management team have voted on this. ( We have a development residents association, which have voted this ) I'm not on it nor ever wish to be. I know that by parking my own car in the space, they would have to ticket me and go through the process of chasing me on multiple tickets. Ive never pa
  18. Hi all, I went to re-tax car after 12 months tax was due to expire, only to be told that although tax had been purchased on 25th October 2015, that they had back-dated this to the beginning of October. Not very pleased about this since I have effectively lost almost a month of tax! However DVLA clearly don't care, and I imagine they make a lot of money off this discrepancy when a car changes hands. luckily we had not been stopped during those 24 days that I thought we were covered. When I rang the DVLA though, it turns out that the reason they had n
  19. Where does it leave you if you buy a vehicle from a dealership that has had one previous owner and then at a later date you find out the car was a hire car? It was not disclosed to you by the dealership when making the deal. In essence the dealership has done no wrong and the car has been correctly advertised. This happened to an acquaintenance of ours and due to the vehicle breaking down so often he eventually took the hit and traded it in for another brand of vehicle even though the dealership repaired FOC every time. Could he have made a claim?
  20. Hi I received a parking ticket mid December because I parked in a council car park with out a ticket. The reason why I parked without a ticket was there was signs on the road saying free parking today it was a free day of parking due to Christmas shopping. (I have photographic evidence of the sign advising this) I appealed the charge and sent the council a copy of my photo of the sign, they rejected this and said I have to wait for a notice to owner letter to come out before I can appeal which could take up to 28 days, (this is now nearly three weeks over the 28 days period). My
  21. Yesterday, a most extraordinary report was given on a social media site regarding a hearing at Luton Crown Court that concluded yesterday with both defendants being cleared of theft and false representation. The report itself (written by a McKenzie Friend) is utterly astonishing and frankly; resembles a poorly written fairy story. As regular posters on here will know, I am passionate about providing accurate information and with this in mind (and in response to the many messages that I have received since yesterday), I will give accurate facts on the background to this case (which
  22. Hi Group, Below I am describing events on how I ended up buying a faulty used car from a private seller (claimed in the Ad), Buying Stage: 1. I have bought a used car (80k miles) posted on autotrader as private sale for 3200 GBP in October 2015. This is my first car in UK. Advert description on autotrader said the car is in excellent condition and described vehicle features in general. 2. I went too the seller location and tested it. It was driving a bit slow pick up and jerking on reverse but otherwise car interiors and external view looked good and well maintained. 3. Sell
  23. My bedroom walls are being water damaged and progessively getting worse and worse, the plaster is now falling off in sections. I've had a builder come out to lool and they have told me the adjoining roof of the house next door is damaged and thats how the water is coming into my bedroom. The insurance surveyor came out to look and sent the report to the insurance company (time of writing its now been 4 weeks) after me having to daily chase up the insurance company I have now been told, they will pay to repair the water damage to the interior of my house BUT they want me to first some find
  24. Dear All I am disabled. I have not voted Labour for a long time or member due to their dreadful record. I saw a chance of change with Jeremy Corbyn. I helped support his nomination. I joined as supporter to vote for him. I was purged unjustly. Told I had to pay again to become full member and pay £10 for date they held on me. I did. Only objection was I asked Labour Ed Miliband in 2010 post election loss "Shouldn't Labour Sort Itself Out First, Before trying to Convince Anyone Else?" meaning its ethic and integrity from top to bottom, in national and local Labour Party. I w
  25. Hi All, I have a mortgage on my property, and a second charge on it. I want to put a third charge on it for a secured loan which has been agreed, and the first mortgage company have agreed to allow the new charge, however the second charge company are refusing point blank to allow any other charge against the property. The new loan isn't large enough to give me the amount I require and to pay off the second charge, and it needs to be secured, so how can I get this new loan done - preferably quickly? What options do I have to persuade them to allow it or to get it regis
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