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  1. Hi all, Thanks to anyone who would mind taking the time to read this and advise me if possible. I received a 2 fines from the magistrates court. 1 for no tv license (fair enough) and one for driving without insurance (although the car wasn't been driven it was just parked on my street as it was broken down and id transferred my insurance onto a new vehicle. Taxed to be on the road but didn't realise it had to be insured as well, my bad but I guess that's by the by). In the midst of this I was granted a debt relief order and was granted £300 by the official receiver
  2. Hi can some people give me advice please I’m really scared today I went into primark and tag changed a pair of boots and my daughter out 2 things in the pram now as I walked out security stopped me and took me to a room where the manager came in he didn’t show me I’d, no cameras in the room, no recordings were taken, no copies of the incident report, no police was involved they took my provisional license and photocopied it and said that I would receive a fine I’m a single mum of 2 and worried I won’t be able to afford the fine what can I do???
  3. Me again, So out of the blue SLL Capital have put a default on my credit file for a Mr Lender Loan from 2016 that i never repaid. Can they do that? The Mr Lender loan isn't on my credit file before this I will of course do a irresponsible lending complaint to Mr Lender, is it worth sending a prove it that i owe this debt to SLL Capital?
  4. Ive been in a dispute with npower for a few years now ever since they stopped us paying by standing order saying it was no longer available wilko and chapman (npower soliciters) have taken me to court which ive never known about and it looks like they have put a charge on my property because attached to their letter is the deeds to my house. I owe them £4000 and the only reason its that high is because they wanted me to pay £250 a month which i simply cant afford they tried the " we are going to fit a meter through the courts" which was declined due to 3 members of family
  5. Hello all. I submitted a claim using MCOL a few weeks ago for a Deposit I gave to a Landlord (LL) when I lodged with them for 6 months, a total of £600. I am claiming that amount, including interest and court fees totalling just over £700. I took all reasonable steps to get the deposit back but the LL started blanking me and made promises to pay but never did. I started the MCOL process and they submitted an acknowledgment of service, stating they are going to defend the entire claim. Fair enough, thats their right. However herein the problem lies. I had b
  6. hi all i took a contract out in sep 2016, couldnt use it, called to send back but they said i'd had it over 2 weeks so no. i never paid anything and forgot about it as they didnt take my compliant serious. they in november 2017 i they put a default on my file. just wondering if i have any recourse to get it took off or anything? Thanks in advance
  7. Hi all, I'm hoping I can get some help on this I have a property that is let out (with permission from my mortgage provider) while I have been working abroad. The mortgage provider has my correspondence address on file. The management company for my estate charges me an annual fee. I've been late paying this before so I signed up to their online account so I can track it online, which is easier for me. In September 2015, they emailed me saying that they were moving to a paperless solution and would be emailing invoices and other correspondence from October 2015. I did not receiv
  8. Would very much appreciate some guidance in putting together an appeal for county court. Mainly in terms of putting paperwork together. All. help would be greatly appreciated. Martin
  9. My mate who I car share with at work has massive problems with the guy that lives next door to him, a while ago his sons dog 'nipped' the neighbour as he was walking through my mates garden which has a shared 'right of way' from way back when horses were used to transport coal from the mines at the back of the cottages where they live. Went to court yesterday after the neighbour pressed charges under the dangerous dog act, and this was the outcome... http://www.dailyrecord.co.uk/news/scottish-news/dog-who-bit-neighbour-saved-10065141
  10. Hi all This one's a worrying departure from companies generally steering clear of taking people to court for old/possibly dead debts - Hoist Portfolio Limited (HPH2 Ltd) have had a CCJ issued on me for a years old debt that may be statute barred. *If* it is the debt I am thinking it is, it is from an old bank account and is an amalgamated loan, overdraft and credit card debt that I had when leaving them after I lost my job and became very ill. I had already made several years repayments on it while it was in the black, but then became unable to continue and had to default.
  11. hi, im 60 years old and i am on jsa, and have health issues, (can not stand for long periods) my adviser knows this ,but now she says its time for me to move forwards, and she will find me a work placement ,when asked how many hours, she said ,most likely 30 hours a week. my work sheet states looking for work 16 hours a week max.but shes going to find me a placement for 30 hours ? if i walk out of the placement will i be sanctioned.
  12. Hi, long time since I have been on so hope I have put this in the correct place. I am taking two large loans from a friend and family, to clear some business issues, both of which need to be secured on my property. Lawyers are asking ridiculous sums for agreements and posting the charges. A full legal charge appears to be too complicated and time consuming for my needs so I am proposing equitable charges which should suffice. My question is, what forms do I need to submit to the land registry and can this be backed by a simple loan agreement between lender and borrowe
  13. I've read a couple of posts about HMRC writing to people about underpayment on tax from employers, My wife has been working for Leeds City Council for 15 years she left one job and moved to another (2012) as working in a school so didn't take a break from the her employers. about a year later (2013) she received a letter to say there had been an underpayment of tax for £80. She contacted HMRC explained and they said they would look into this. We never heard anymore. Till 2014 when a 2 tax self assessment forms for 2012/2013 came through the post she wasn't sure what it was and
  14. I switched to OVO Energy around 3 months ago and gave them the reading at the time. I kept forgetting to give a meter reading so they used their own estimates based on a 1 bedroom flat. I recently got a letter to say they want to put my direct debit from £32 a month to £57 a month because I was £1.19 behind. Remember that everything is based entirely on their own estimates, so how have they came to this conclusion? Just to add, I gave them a reading recently which was much lower than their estimates. How can they justify putting my DD from £32 to £57? Anyone else h
  15. Hi All, A friend of ours is in a huge amount of debt from her marriage, where her husband built up this debt, cheated on her and was also very abusive. Our friend had no choice but to go into a refuge with their 2yr old son. Whilst in the refuge, her husband didn't give her dog the medication that it needed and it became ill. the husband took the dog to the vets in the morning, but the vet put the dog to sleep in the afternoon. The dog belonged solely to our friend, not the husband. The vet did not call our friend on her mobile phone to speak with, as the dog's owner), they were hap
  16. Hello folks - grateful to anyone who can help with this. My wife has worked in the same organisation for the last four years. She has had four separate one-year contracts during this time. Her contracted hours have varied slightly from contract to contract, but for the last two (one-year) contracts has had 19 per week. She was told a few weeks ago that, due to the fact she's been there for four years, she is being put onto a permanent contract. The permanent contract however offers three fewer hours per week than she currently works, even though they will expect her to work the sa
  17. I was working self employed for a company. In December they stopped paying me, I sent them an email on the 10 January 2016 stating that I wouldn't be able to come into work as I hadn't been paid for 3 weeks and I needed to now look after my 2 year old as I was in arrears with the childminder,I did say that I could come in once it was sorted, they called me 20 minutes later and said they will be picking up the company car and all of there property. there's 4 outstanding invoices for £1000 still unpaid, I tried to resolve the matter with the company but there not replying. I have now put though
  18. We live in a road, that is made up of privately owned houses and flats and which also contains around 15 social housing flats. These properties were built 5 years ago. This morning, a man from UKPC put up a load of parking notices, with various rules about parking in designated bays, displaying parking permits, time limits on parking in visitor bays and non return to visitor bays within 48 hours ETC. Charges are £100, reduced to £60, if paid within 14 days. None of the residents have been given prior notice that this company was going to be doing this! The road is a private roa
  19. I have to start at 9am and end at 5pm, but the bus doesn't arrive near the shop til 9..46am and last bus is around 4pm. I have never been to this town before, and don't know the bus routes. I have been suffering from travel sickness and have been to the doctor about my diareah(sorry, but the doctor said that was normal to go to the bathroom every few minutes). I have an appointment on Monday to pick up travel money and have to be there by 2pm. From March to June of this year I was volunteering at a charity in my home town. I am wondering if I should apply to a charity shop in tow
  20. Hi, I used MyHermes to return a parcel to Amazon. After the tracking hadn't updated for a week, I tweeted them to find out what was going on and got a reply that Amazon makes them wait 4 hours to accept delivery so they couldn't deliver it. They were going to return it to me. A few days later a parcel turned up that my wife signed for. On inspection, it isn't the one I sent out, but was also originally addressed to Amazon. It had a sticker slapped on it with my address, so it seems pretty obvious that the MyHermes agent had mixed these two parcels up. After a very frustrating run
  21. Experian, one of the largest credit agency data brokers in the world, has been hacked. Some 15 million people who used the company’s services, among them customers of cellular company T-Mobile who had applied for Experian credit checks, may have had their private information exposed, the company confirmed on Thursday. Information from the hack includes names, addresses, and social security, driver’s license and passport numbers. The license and passport numbers were in an encrypted field, but Experian said that encryption may also have been compromised. More ... This appears t
  22. Hi all, I'm not entirely sure on the rules regarding erecting of fences on boundary walls, so was hoping someone could clarify for me. Basically our bungalow is very close to the house next door, their kitchen window/door looks right into our kitchen There's no privacy outside, except for a 3-4ft tall concrete/brick wall. Can I have a tallish fence erected/attached to the brick wall, to give us some privacy? This is the view from our kitchen door: [ATTACH=CONFIG]57799[/ATTACH] This is the satellite map showing how the houses look from above. The red line be
  23. I am very upset after reading the email from Hastings Direct Smartmiles, threatening to take £152 from my credit card and if I don't pay up, they will ruin my perfect credit history. I made the mistake of putting 8 years No Claim Bonus instead of 9 and the woman operative told me that according to the live rate this moment, I will have to pay £159.53 (£25 admin fee) on top of the £800 plus I paid last month (my son is 19). I was very shaken. I kept telling the woman that I did not inflate the figure with a view to lowering the premium. I made a genuine mistake of giving 8 years instead of
  24. Yes everyone my family has a lot of bad luck. I never mentioned this before because I forgot. About two years ago my adviser at Ingeus put me on self employed, because I found a leaflet job. Which I never went for because I didn't know how to do the self tax thing. Last year I got a letter asking for £30, I phoned back up and said 'I am not self employed my adviser did this for me'. He said it was OK and everything would be sorted, well it wasn't. Last week I receieved another letter now asking for £100, my dad said instead of phoning them we can send the letter attatched and I fill
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