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About Me


Found 20 results

  1. Good day to all Following the very supportive exchanges I read today within this forum I straight away joined the forum With regard to our {Owned} 1st floor flat, it was essential to sell since my physical abilities deteriorated, we fortunately obtained a local council ground floor flat suitable for disabled people, which we had to move to previous to the sale of the 1st floor flat, since if not occupied within a two-week period it would be awarded to a different couple, we forfeited £10.000 to the Inland Revenue since the 1st floor-flat was not classed to be our main residence
  2. I have received a debt collection enforcement notice from Northampton County Court from Marston's for a penalty notice for crossing Dartford on 23 March. I did cross at Dartford on 23 March but have received no prior notice and have no idea what the penalty is for... any advice?
  3. Hello there, my wife received a letter from ParkingEye Monday 22nd May dated 17th May 2017. This is regarding an outstanding parking charge amount due of £100 from Holiday Inn Guildford with the alleged offence occurring 5th April 2017. My main concern is that my wife did not receive a PCN beforehand. In the letter it states that 29 days have passed from the notice of parking but this is the first correspondence received. I still have the right to appeal but only if there are mitigating circumstances as the initial 28 days to appeal have passed.
  4. I just got a letter from Metropolitan Collection Services of Coventry. They're pursuing an overdraft I had with HSBC. Last activity on the account was I think December 2010. Shortly after they withdrew the overdraft cos I wasn't paying into the account regularly. The debt is now in the region of £1250. I'm on benefits here and I can't afford to pay this of in a way they'd find satisfying. They have also floated the possibility of taking me to court in 'the country where you live.' Anyone got any advice on how I might call off the dogs?
  5. I have issued a summons to a builder who has damaged my property. He appointed a firm of solicitors and I will be representing myself. All paperwork has been filed and the court hearing is scheduled in two weeks. I received this morning from the defendant a Notice of Change of Legal Representative, whereby now the defendant shall be acting in person. I just wanted to check with the experts, whether the defendant is able to file such two weeks prior to hearing and is this compliant with court procedures. I have a strong case, it just odd at the last minute his solicitors are
  6. Hello hopefully in the correct section and there is a Scottish expert for this soap opera I will outline the scenario and my understanding of the law. First the not too complicated part (I believe) Mrs X died without leaving a Will Mrs X is survived by Mr X (20 years separated but not divorced) and 3 Children. Mrs X owns 100% property A (that was signed over legally to her from Mr X 20 years ago.) My understanding of Prior Rights: Mr X is the widower and thus on the face of it has prior rights. However he does not live in property A, so does not "qualify" as the sur
  7. After some research on here I now know the true horror of what Vodafone have done to me. To cut a very long story short my Vodafone account was closed early and paid up by me in June (so I thought) PAC code transfered all done. Goodbye Vodafone - hurrah! Get a letter in September saying I still owe £90odd . I have contacted them on many occasions saying please can I have an invoice so I can see why you think I owe this? Athough promised each time nothing received, next I get mail from debt collection and then black mark on my (previously perfect) credit history -
  8. hello peeps, this is my first post - hello! I have a question: I drove my wife to a specialist doctor in London. 5 weeks after her consultation, we had a letter with an invoice for £290. The initial consultation lasted about 25 minutes. At no time was it explained to us that the initial consultation would be chargeable - so , of course, there was no mention of the price of the talk. We would not have driven to London if we had been informed of the price. Now the invoice has been followed by demanding emails and a call from a medical debtor agency - not answered by me . Since there
  9. Hi fellow Caggers I'm not sure if others on here have any thoughts into this, but I'm hoping to get some help to clarify the situation on something i have come across recently, having read this as part of the lending code. 232. Customers should be advised BEFORE their debt is passed or sold to a third party by a subscriber. The intended outcome of this provision is that a customer SHOULD NOT receive any contact from the party to whom the debt has been passed or sold without having received prior notification from the subscriber of the transfer. what if the OC (subscriber) has
  10. i received a letter yesterday with a court date for me to attend regearding a van i sold to my cousin, the logbook was sent off to the dvlas address but i cant find the proof of postage. To cut a long story short a couple of months after i sorned the van, my cousin purchased it from me and like a fool left if parked on the road while he was sorting it out for the mot. It was clamped and removed and he signed paperwork to release the van to the impound yard, as he couldnt afford the release fees stating that he was the present owner and waiting for the log bo
  11. I have accepted and signed an employment contract for a new job. However I've been offered a new job opportunity elsewhere which I would like to accept instead. So my question is how binding is the contract that I have signed considering I have not yet started? Does consideration mean that the contract is only enforceable once I have started the job?
  12. Hi, I am in Scotland, over 2 and a half years ago I moved house. I'm pretty sure that I informed the council of the move at the time. I have today received an arrestment of earnings for unpaid council tax for my old house completely out of the blue. I have had nothing from them since before moving out, and if I had I would have contacted them to discuss the matter. I genuinely have no idea where this has come from and can't work out what dates it is for from the arrestment schedule. I am planning to call them on Monday to find out where this has come from
  13. I have a civil claim against a former employer under the Employment Rights Act and unlawful deduction of wages. Tomorrow afternoon i have a conference call with the court mediation service to try and settle this claim before it goes in front of a judge. I am asking for peoples opinions on this process, is it objective, does it work, or is the Mediator more interested in any form of settlement rather than justice to the cost of either the claimant or respondent? Thanks
  14. Hi - I am after a bit of advice for my son, who up until about 4 months ago - had been on Income Support. He was moved to JSA; as no longer met relevant criteria for IS. However, he received a letter about a month ago, from DWP, They claimed that my son had been overpaid by £8000.00; for which they would be deducting £25.00 a fortnight from ?date, out of his JSA. 1. No details about overpayment, as to who, how, when??? 2. The amount specified, to be taken from his JSA - will leave him in extreme hardship I told him to write to the DWP; straight away - querying this - askin
  15. I bought an item 9 months ago, it developed a fault and the shop agreed with me that they were getting another one in instead under warranty. However I have now found out that because the item has recently been discontinued they are replacing just part of it instead. (Parts are available but not the whole item I am told). I was not told or agreed to a repair instead of a replacement. The reason I am not happy is because the item had other areas that were of concern but the shop has baulked at replacing those because that is caused by normal wear and tear they say. Idea
  16. I rented a property in January 2007 and paid the deposit. As it was prior to the new rules of deposit schemes, the landlord held the deposit. After being tricked into leaving in October 2007, the landlord refused to give the deposit back. I have tried sending requests to return it, but get ignored. I thought i would try moneyclaim.gov.uk, but i cannot use it for tenancy deposits. Is there any other way to claim for this money? I am also claiming part of October's rent too. Any help would be appreciated.
  17. Hi All, I need a bit of help with this as its quite complicated. I took out a home insurence policy with Tesco on thier standard cover on the 17th Dec 2012. i added on £14,000 for unspecified items cover away from the home. A month later i relised that i had made a mistake when reading the small print it stated that this was a total claim limit and wouldnt cover what i wanted. I rang Tesco and explained the situation. The advisor told me the best thing to do would be to cancel the current policy and start a new one where i could specify the item i wanted covered. She did this
  18. Okay, so I have just got my first (used) car and I received my V5C today which has myself as the registered keeper from 30/10/2012. My car has a valid MOT until October next year and I have bought the relevant insurance this evening and went to buy car tax online but got the warning that the previous tax/SORN had run out on 01/09/2012 and that the registered keeper will be contacted regarding this offence. And as I have only just bought the insurance today, I am not able to purchase tax until my insurance is on the database (if I knew this, I would have bought insurance earlier but did not pla
  19. Have been recently made aware of this. It concerns a driver accused by one of the regular name Parking Cos on here. Case is in Court and accused has been sent a letter asking for them to provide proof of sig by way of copy of passport/driving licence etc. They are saying that there is a possibility that another party could have registered the vehicle using their name etc and its their policy to report these suspicions to Police vehicle crime unit so they can check if the registered keeper insured the vehicle or if its been used in a crime. They go on to say that they have observe
  20. Lloyds bank was ready to pay me out on PPI but I noticed in their calculations that they had worked out an average pay out on two loans which ended in 1998. I was not happy with this average as one of those loans were originally taken out in 1989 and ended in 1998. Lloyds say that they are unable to find out the amount of the original loan, its settlement or interest despite the fact that I am aware the loan account, the date taken out and date ended. Has anyone got an idea as to how I get details on the loan agreement amount I had taken out without statements and lo
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