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  1. Hi to all. I am going to try and keep this very simple and brief. I was sent a package/gift by my relative. So it was not a online purchase or any of that sort The item was delivered to my apartment complex via Royal Mail signed for service and was received by the concierge who signed for the item and made a log of my parcel and put in a delivery note via my letter box. However when I went to collect my parcel it had disappeared from a secure parcel room. I am not here blaming the concierge stealing the package all I am saying it just disappeared. I spoke to the buildi
  2. From what Ive read on here, im going around in circles.. can someone comment? Way I see it :- 1) you send an inivoice, 14 days to pay, " i reserve to take legal action without further notice to you" written on it 2) Send a notice before action FORM (it used to just be a letter but now is this form? https://www.justice.gov.uk/courts/procedure-rules/civil/pdf/protocols/debt-pap.pdf 3) proceed with coourt claim after 90 days? Citzen advice here, says something else https://www.citizensadvice.org.uk/law-and-courts/legal-system/taking-legal-action/small-claims/Problems-with-good
  3. I made a PPI claim online for an old Littlewoods account. I have a few questions. The account was opened in 2010 and sold to a DCA in about 2012/13. I paid very little directly to Littlewoods and very little again to the DCA. On and off etc. I'm not even totally sure I had PPI and the claim was made more in hope than expectation, but does it matter how old the account is and whether or not it remains unpaid? How long should I expect to wait until I hear something? I didn't even get an email receipt of the claim when I made it about a week ago. If anyone has made a claim li
  4. Hi everyone I use a courier company, i will call "TPC", who in turn use DPD. I have to say on the whole the past few years has been event free but a few months ago we sent a 3D printer to someone to use and it was smashed up really badly. The recipient took photos and has emailed us stating the damage was beyond dropping in his view and we have loads of photos of the box damaged etc. I reported the issue immediately and TPC were originally very sympathetic etc. I have to say I was shocked at the damage, you would have had to try really hard to do what they did. As the client
  5. Hi, its been a while since Ive been here. Just logging on and telling my story about TSB and a sim swap that emptied our accounts for a while. TSB have changed the way customers have to log in via an APP, whereas before we had a card reader. I never use the app as it doesn't work on Win phone. TSB facilitated a fraud on our account after a sim swap was made. They sent a one time password to someone, who then logged in and emptied the account. Once I tried to log in, I spoke to TSB and noticed this. I then tried contacting their fraud dept, but because it was a
  6. Hi All, So this is our current situation: 20th June 2018 my partner was involved in a RTC (Road Traffic Collision) he is an HGV Driver and was driving his trailer at the time. He clipped another vehicle which caused that vehicle to 'roll over' a woman, who was crouched down on the drivers side. Earlier when my partner arrived at the Recycling Centre this same vehicle was parked (in an un-authorised area and parked facing the wrong way : drivers side on pavement: and the two ladies were having difficulty as the ignition key had been broken in the ignition, my partner went to assi
  7. Hello all I have been dealing with a number of irresponsible loans lent to my sister who suffers from dreadful mental health that total £40,000 in just a few months One of those is with a payday lender for £400 I put forward a complaint on her behalf and they asked for a copy of her passport and a letter authorising me to make the complaint. I have provided both twice. She has signed the letter that states she gives me authorisation to make the complaint and for the written outcome to be addressed to her by letter to her address I have asked for the outcome of the com
  8. Hi i am looking for some advice on what to do with a court letter i have received. It is from an old credit card from Aqua which i had taken out back in 2013. The Claimant is now Arrow Global Limited who i assume has now purchased the debt. I have until 11.08.17 to reply. Issue Date: 06.07.17 Amount approx: £2288.42 Claimant: Arrow Global Limited Solicitor: Shoosmith LLP Original Creditor: Aqua Credit Card (NewDay Ltd) Particulars of Claim: The claimants are a finance company which inter alia operates the business of debt purchasing. By virtue
  9. New independent appeals process to protect passengers issued with penalty fares READ MORE HERE: https://www.gov.uk/government/news/new-independent-appeals-process-to-protect-passengers-issued-with-penalty-fares
  10. Three weeks ago I got notification that my wife would not be entitled to claim for carers allowance because and at that time of the decision we were not in receipt of the disability benefits, in my case PIP. Can I ask for a mandatory decision on this now as PIP has been awarded and backdated to November 2016, and would now meet the crtieria not met a few weeks back, any help as always would be appreciated. SF
  11. I've started the VT process today and will keep people here updated as no one seems to have said anything about charges and what happens after they collect the car. So far just had a call from moneybarn confirming BCA will be in touch within two days and then the car will be collected within 7 days. My car is 6 years old with just over 30,000 miles and they said on the phone they don't expect it to be in mint condition but I'll be interested to see what the final bill is. I'm very happy with this car but I still have two and half years worth of payments and for the little I
  12. I have been looking at process servers for the purposes of serving court papers, what should I be looking at to protect myself from s.cams and the like when trying to buy these type of services ?.
  13. Hi there, Thank you all for considering my enquiry. I will try to keep it as to the point as possible. I have sought advice from many advice bodies and a couple of solicitors but I'm receiving conflicting information and a friend recommended I try here. SUMMARY DESCRIPTION I engaged a tradesperson for a range of works which were quoted at £1740. The tradesperson completed some of the works over 2 days. On the 3rd day, the tradesperson was late and sent an offensive message. Based on the offensive content of the message I refused to allow him onto my property fu
  14. I will be travelling abroad for 7-10 days and will be signing off, I am on old style JSA and want to avoid if possible making a fresh claim for UC and make a rapid reclaim for JSA instead upon my return. Would it not be the case that if I signed off from JSA for one week to go overseas then I would need to make a claim for housing benefit due to a change of circumstances to cover me for the period I am on zero income. So I make my housing benefit claim immediately after I close down my JSA claim. Therefore I cannot go on UC due to me awaiting a desicion for housing benefit ?
  15. my brother paid for 2 crossings at Dartford to go from darkest Essex to deepest Kent and paid online in advance. A weel later he gets 2x£100 fines because he was not charged enough when he paid the amount demanded. Dartcharge dont employ humans so you cant reason with them about the ridiculousness of the charge so how do you appeal this?
  16. HSBC have sent me a claim form. I owe £13,500 from a loan taken out several years ago. I intend to respond using the "disagree with the claim" option as I believe I may have been mis sold PPI on the claim. In the event that the judge upholds the claim, how does the process work RE making repayments. Once the judgement has been made, do we have to go back to court another day to agree a repayment schedule. Will HSBC be obliged to offer a repayment schedule or could they start bankruptcy proceedings if I don't make payment in full after the CCJ?
  17. Hi there, Thanks for reading. I'm new to the forum, and hoping I may be able to find a little help with my current situation. I'm in a bit of a tangle!. Essentially I received an N1SDT CCJ claim form in the mail, too late to reply, and subsequently received a CCJ. I believe the debt to be statute barred, and intent to have it set aside if possible. I'm currently trying to claw my way out of long term unemployment by starting a small business (via the JSA/NEA scheme. I'm in the very early stages), so this is pretty awful timing. On the 18th of Au
  18. I received a Penalty Notice from a small local authority, not a council however still a government based authority. I'm reluctant to name them at this stage. The ticket states a penalty payment of £50 is now due reduced to £20 if paid within 5 days. I have chosen to pay the £20 at this stage and fight the charge after without the risk of it being increased. Probably not what most of you would recommend but its not the money for me, its the principle. The ticket has not been filled in correctly. It just states the date, time, vehicle etc. The ticket has a tick box for a choice of sever
  19. Hi, this is my first post so I hope it's in the correct place. Quick history, worked for county council for 10 years, have suffered from a diagnosed mental health disability for the whole time for which I take medication, work are fully aware of this. I reluctantly took out a grievance for disability related issues against my line manager, head of department and a senior manager. The grievance was investigated at the first stage over a very extended period and nothing was found even though I had given them a load of facts which they seemed to ignore so I appealed. In the inter
  20. Good Afternoon all, Having been a keen reader for many years now, only now do I feel the courage to take on these ghastly payday loan companies which left me in such disarray in late 2012 and early 2013. To provide a bit of context, I got myself in a bit of trouble gambling (which I have not touched since 2014), was on anxiety medication from 2012 to 2014 and often found myself taking out payday loans to make sure I got through and able to pay for my rent, council tax, travel and living costs. I often was scrabbling around, pawning items, going to pawnbrokers and also applying onlin
  21. As per the title we are in the process of purchasing a (new to us but used) vehicle & need advice. We had been looking for a new family car for a short while & seen one that we loved the look of online. we visited the dealership & the vehicle was in the showroom. My wife instantly fell in love with it & wanted it, so I asked a few questions. One of them was "does the 4wd work ok? (as I know there can sometimes be issues) The dealer gave me a slightly puzzled look & said it was a 2wd model & this one isn't the 4wd version. I said okay, by thi
  22. Hi everyone, Havent had to post here for a while now, but this website proved invaluable to me when being persued by Lovell and Co. Here's my new dilemma! In process of selling my home and purchasing new one. Mortgage advisor called me in to inform me there is now a problem with my application. Had previously been approved last year when started looking for new property. I hadn't checked Experian for a while as I knew my credit rating was 974 and classed as excellent. I know how important credit files are, having had bad credit many many years ago, taking me years to even get a basic ba
  23. The company I worked for was taken over and my team were moved / transferred (something called 'TUPE') to a new employer. The new employer then advertised an internal opportunity (area manager) out to the team and several employees applied for the position including myself. However, the interviewer that the company chose to conduct the interviews was not a senior person within the group, but another area manager currently working for them who had previously worked with my old company. I felt that I was the most suitable person for the role, however, one of the applicants (my coll
  24. Can anyone here confirm how long it takes Parking Eye to process their charge notices and when the charge notices was actually received. I received a Parking Charge notice long after the statutory 14 day period had expired. Their envelopes don't show a postmark so I can't date when the notice was sent although the "Date Issued" shown is within within 8 days. I know this to be untrue, what can I do?
  25. Hi there I recently screwed up at work, and ended up with a disciplinary from a manager who has been waiting for this I made a change to a live system without an appropriate Change Control in place (That being said, I wrote the Change Control Process and its been completely ignored since January this year). We never lost any data, and everything was back to normal in the morning. I got hauled to a meeting where I was told that "this will go on your permanent record", at which point I asked "will I lose my job", and the response was "no, but you will get a written warning".... f
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