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  1. And Hello everyone, I have just registered on the Forum and this is my first post! I was hoping to pick your brains a little regarding a similar issue I have found myself in. I have travelled from St Pancras to St Albans on the Saturday just gone. My partner and I have stupidly used my bank card - thinking that St Albans was still covered by the London zone! It's a complete mistake on our part which I have admitted to the staff at St Albans station, and apologised. I have asked if it's an option for us to purchase a ticket now (hoping they would exercise the discretion) which they have not. In fact, the first officer said that I ought to pay the penalty of £25 which I thought was too much (given the standard penalty is £20). I have simply asked him to explain to me why it is more than £25 pounds. At the same time my partner was speaking to the second officer who said to him that he can pay the amount £11.80 now, and the rest he can appeal later. When I heard this, I asked "my" officer if I could pay the same to which he said no. I asked why that was the case but he just said that was up to him - essentially charging me more than my partner, and for the same offence. I though it was not fair, and refused to pay the £25. He automatically started filling in the MR 11 notice (the "witness statement"). I had no idea what that was, and asked if he could explain which he just said - this is a legal document. I asked if he could please confirm that he is indeed entitled to serve this to me - I asked for his employee reference number and to show me a badge with his picture on. He told me his employee number, and refused to show any documentation to support it and said that I would just have to believe him. At this point I said I would rather pay the £25 penalty fare (I did not understand the MR11 but it sounded scary), but "my" office said that it was too late. I suspect I will be receiving the notice to prosecute very soon. My question is whether I should wait for it to arrive, or should I contact the Prosecutions department now, before the notice arrives. I never not wanted to pay the penalty fare, I just wanted to be treated in the same way my partner was - i.e. pay £11.80 penalty fare rather than £25. I still want to pay for the journey I made/penalty fare, but I can't do that via Thameslink Customer Department (because Penalty Fares Department is independent to GTR). I would be grateful for your thoughts, Many thanks in Advance Majka13
  2. Today I got a message from Payment Protection Scotland about payment of PPI and to pay their invoice. I will start with how everything started. Back in March I had filled in a form about claiming PPI with them and heard nothing back. 2 weeks ago I got a call from the Bank Of Scotland's internal PPI team asking me about PPI, what credit cards I had with them, when I got them, was I miss sold it or did I know etc and the man said thanks for everything, I'll let you know in 4 weeks what decision has been made, he said if any payment of PPI is due because I only paid it for one year, he told me that over the phone I only paid PPI for one year then it would be paid into my account and if not a letter would follow explaining why not. I don't check my bank account everyday I had no idea about this payment. I called the Bank of Scotland and they confirmed that the payment was made by them into my account for the PPI I am owed but they can't comment on any agreement made between me any other party. they want me to pay over £90 in fees and I don't know what to do. I don't know if the man at the Bank of Scotland phoning me was to do with them or if it's just their own internal team making phone calls to customers. I don't know what to think or do.
  3. Hi, I have a debt for £3,565.00 from a catalogue. On October 2015 I sent Moorcroft a CCA request. They wrote back saying collection activity has been put on hold and they will not seek to enforce payment of this debt until the documentation has been supplied. It went quiet for a while then I received a few random and occasional letters from the catalogue company themselves then I received a letter in December 2016 saying the debt had been sold to Cabot who have sent a few letters. Ive now received a solicitors letter from Mortimer Clarke saying if I don't pay within 14 days from 24/4/ they will start court proceedings. Should I just send them a copy of the letter Moorcroft sent me saying I'm still waiting on the CCA request? Thanks, Puddleboots
  4. Hello I am in receipt of CB ESA with the support component having been migrated from Incapacity Benefit several years ago. I also receive DLA High Rate Mobility and High Rate Care. I had no entitlement to Income Related benefits as partner was in full time employment. New scenario - Partner has to leave employment due to chronic lung condition. We ask at Jobcentre how and who should claim. Were told partner should make separate claim for ESA which he did. Was placed in support group without a medical. When he asked for housing costs (SMI) to be included, these were added from 13th week, (this was waiting period at the time). My question is - When I advised DWP of the change of circumstances (partner leaving employment), should this have prompted a supersession exercise to establish potential entitlement to Income Related ESA, and the issue of form ESA3 ? If my claim had been made into the joint claim would SMI have been payable straight away or would I be subject to the waiting period. In addition to housing costs, several premiums would also be included in the applicable amount. I have raised this query with DWP and have a letter that says if I had made the claim for Income Based ESA, I would still have had to serve the 13 week qualifying period. Having looked online the information I have found suggests this is incorrect. Any thoughts on this would be gratefully received. Thank you.
  5. Hello, we have a car loan with a company and in the last 12 months we've received two email both containing a lot of attached letters that contain personal information on a significant number of people. They contain name, address, bank details, car reg details and so on. I'm a bit concerned about this as I worry that our details have gone flying around to others! I also feel sorry for the people whose details I'm seeing! I've alerted the company each time and just received an email back saying "sorry about that, just delete", very offhand about this! Is there anything else I should be doing? I'm concerned that I've received this info but more so that they're doing this and not bothered about it. Thanks for any advice.
  6. Hi there I defaulted with a loan with Northern Rock (or NRAM) who then secured a charging order on my home on the 13/3/2007. (My name is the only name on the mortgage and for clarity no regular payments where instructed to be paid) Roll on to now and NRAM have sold the debt onto Marlin who are now hassling me for payments. I got a court letter through the other day which was a "substitution of claimant notice" which im assuming means Marlin now legally owns the debt completely. I've done a search on Trustline and no judgements are showing against me which im assuming is because over 6 yrs have passed Just need to know whats the way forward for me now and where i stand considering there is a charging order on my house and yet they want me to make payments ? Thank you Paul
  7. Hi there looking for an answer to a thing that's bugging me slighrly I last claimed JSA from April to September last year when I was made redundant. I picked up some contract work for a few months then in the new year decided to take some time out to work on some private projects. I made a new claim online for JSA recently and received a letter yesterday saying I was eligible for payments until October. Slightly surprised as I've read you only get 6 months maximum for two years of ni contributions. Job centre lady more or less told me not to question it when I went for my interview Any experts out there that can give me an idea of whether this is abnormal or whatever
  8. I will try to fill you in as briefly as possible! In September I received documents from Northampton of a claim issued by Hoist Portfolio. the particulars of claim were very vague ie no date of debt, no date of assignment etc. I acknowledged immediately and stated intention to defend. I sent off CCA and CPR requests in accordance with the rules. These were disregarded and I received no response. It was allocated to small claims and transferred to my local court. The hearing date was set and a deadline of 25th Feb was set for returning witness statements. At this point I had received precisely zero info from the claimant as requested, I constructed my witness statement along the lines of 'I have no info re the debt so can't defend something I have no knowledge of', the claimant was attempting to frustrate my efforts to defend in not disclosing any information and disregarding my CCA request and CPR request. I served a copy in the claimant and made sure it was with the court in time, brownie points to me I've now received (after the deadline) the claimants statement, and I'm wondering what to do. In their bundle they have the original agreement (in a different name to that on the court docs) but barely legible, a statement of account, and issue of default. My query comes in because on the statement of account, there are payments between July 2009 and Feb 2011 which came from a current account but we're not expressly authorised by myself. The debt is for a credit card and I had a current account with the same bank. So these payments were taken from my current account (I guess under the original contract I signed for the card this was authorised) but I didn't expressly make those payments myself. In fact I seem to remember trying to stop the payments, and they kept taking them without my agreement. Do these count as acknowledgement of debt? If these payments are disallowed, the debt should be statue barred (date of default was 25th June 2009 and I would argue that subsequent payments were not made with my authority). Or does it not matter, as I signed a contract therefore indicating my authority to take these payments? If it's not statue barred what should I do, as I'm now thinking they have me over a barrel even though their documents were late to arrive. Apologies if this doesn't make sense to you all, it does in my little head! Many thanks in advance for any advice you can offer!
  9. Hello, I was made redundant(no pay i don't have like thousands of pounds, not even close it was a apprenticeship type vacancy so no redundancy pay) recently and im starting to do a show which allows people to donate (optional) which does not go toward any real life spending, purely towards the stream. however i'm worried if this is benefit Freud in any way? can someone explain this to me? thank you.
  10. Hello CAG members I have recently had a new permit system put in place at my place of residents. I sent an email to apply for permits to both my company and private vehicle back in September 2015, I had a response saying that they will send them out. I did not receive them and I should have chased this up but I'm a busy man and work away from home a lot. It weren't until December when I got back from work that I found a PCN on my car, I sent an email to ask where my permits are and they sent me an email saying they will send them out but whilst I was waiting I received another PCN at 11pm that evening on my company vehicle. I have sent a letter to CPM and they refused my appeal and have told me to appeal through theIAS. So need to know..... do I have proper grounds to appeal? and What are theIAS like? I read some bad reviews about them and think they will side with CPM I refuse to pay this and I never will pay as its unfair!! Chris
  11. Hi. I have suddenly started to get someone elses mail at my address. On the mail the address is my address but the person named, I have never heard of. My wife has refused two parcels and today I have a letter for this person. My neighbour has confirmed that it is not a previous tenant as he has lived next door for almost 30 years. I have only lived here 6 years. I feel very suspicious about this. Any comments or advice appreciated. thanks. Paul
  12. I recently ordered a Vanity unit from Bella Bathrooms (online store). After receiving and installing I found a pin hole size mould crack at the bottom of the sink (manufacturing fault). This was causing a leak under the wash basin. After contacting Bella Bathrooms they agreed to replace the damaged sink for a new one however I have following 2 issues 1) I will now have to pay one day plumber call out charges £100 for removing the old sink and replacing and sealing the new wash basin. 2) After agreeing to deliver the item I've now been told that they wouldn't have same item in stock until June which is nearly a month away. I will be suffering as currently installed sink is leaking due to having a mould crack. Can someone kindly advise if I am entitled to claim £100 that I would now have to pay to re install my wash basin (this doesn't even include any extra cost such as cost of silicone and other materials that I would have to pay to re seal the wash basin), and what are my options apart from waiting until June. Am I covered by any rights as this purchase was not physically made with in a store? At present I've contacted Bella Bathrooms to get compensated for £100 labour charges and they have blatantly refused saying its not their policy. Any help will be highly appreciated
  13. Hi, just looking for some advice please! I was in receipt of JSA and was sanctioned for 3 month after a training provider failed to send me written details about a MWA placement. I have appealed to the DWP and received a Mandatory reconsideration notice just before the sanction ended. They are basically saying that I did receive the letter as it was addressed correctly, there was no postal dispute and I cannot prove that I didn't receive it, so the sanction still stands. How can I prove I didn't receive a letter!? I completed a form and sent it to the tribunal service and the DWP have had a solicitor go over what I've said to discredit everything. I now have received several documents that the DWP have sent to the tribunal but they contain several errors which lead me to believe the MWA letter has been reproduced. If the tribunal doesn't notice these errors would I have the right to appeal? Anyone else not received letters from DWP and been sanctioned as a result? Any help or advice on what to do next or what to expect would be appreciated. Thanks [i'm still actively looking for and applying for jobs, attending interviews and registering with agencies every week.]
  14. Hi I'm after any advice I have posted on here before about MWA I had been told to go to. I was told to go to a charity shop and on the day my neighbour gave me a lift there, I was late and the woman was horrible having a go at my neighbour and I walked out embarrassed and ashamed (so was my neighbour - he was shocked that someone 'volunteering' would get spoken to like that) I ended up getting a 13 week sanction Then in April I was told to do MWA again. I got a letter from learn direct saying they'd be in touch for me to come in and see them. I signed on twice after that and was just asked if I'd heard anything yet to which I told them about the letter. Then the day I supposed to get paid there was nothing in my bank. I rang the jobcentre to be told I should of started MWA and I'd failed to turn up and told them I'd not had anything telling me to start. It didn't matter I got a 13 week sanction. I went to see the welfare person at the council who did a mandatory reconsideration and I applied for hardship I was then told to do MWA again, this time I got 2 letters telling me to start a charity shop on Monday (letters received Saturday) but this was in a different town and I'm only getting £35 a week and bus fare was much more than this so I didn't go. I've now received a 6 month sanction. I have sent a mandatory reconsideration for this saying the guidance wasn't meet - that I should have a timetable saying the hours. (but I know I wont win) But the sanction for the letter not received has not been lifted. I lost the mandatory reconsideration (which took about 2 months) because a letter is deemed to have been received 2 days after posting. The council welfare person has sent of for me to go to a tribunal which is next week and he thinks i'll lose because of case law about receiving letters. I have since spoke to other people who were sanctioned because of not receiving letters and have had them lifted once they've done a mandatory reconsideration, so why's mine different. I think they'll do this all the time now if they can get away with it. I have to send any letters to the jobcentre recorded because of the amount of times they've said they've not received them In the tribunal form which I have a copy of the jobcentre's response it says about the first sanction/mwa - that I was late and refused to do any tasks? it also says they overlooked the first sanction and now think I should be sanctioned for 6 months (for not receiving a letter!) so now will this last sanction go from 6 months to 3 years? I can't live on £35 a week. I am finding it really hard now. I am minus £60 in my gas meter and i'm freezing, my bed feels damp and smells musty when I get in it, I would really love a hot bath (I must stink) and electric seems to be running out quicker I have about £3 in that (emergency) which is to last till I get paid on Monday Any advice anyone can give would be great, I don't know what to do Sorry for the long post
  15. Hi everyone I'm having problems with vodafone at the moment trying to Bill me £190.86 for getting a replacement of a brand new iPhone 6 plus that didn't work straight out of the box! I ordered the phone online on the pre order date on the 12th September and I got an email on the 19th September to say it was going to be delivered that day. I was on holiday in America when the package arrived but my parents were there to accept the delivery and just put it in my bedroom for when I got home on the 29th September onlyl or me to find it didn't work! I contacted vodafone customer service imidietly who informed me that they would get a new one sent out to me next day but never mentioned anything about charges or a 7 day returns policy so I presumed eventing would be fine and I would just be charged the £220 for the phone upfront and my usual Monthly bill, but Instead I got a bill through for £547! Cut a long story short Ive made 3 calls to Vodafone about this and everytime someone just says you didn't return it within 7 days so you have to pay the repair bill!? Surely that would be covered under apples warranty! The advisors I've spoken to just say I need to wait for a text within 48 hours confirming if the extra charge will be dropped and it doesn't happen! Reading vodafones returns policy online it says "How do I return a faulty product? We’ll help you sort out any faulty product as long as: You bought it from us It has a genuine fault If the fault’s covered by a manufacturer's warranty, fixing it will be free." Never mentions anything about 7 days and neither does any other section in there returns policy! They all say 14 days! Many Thanks in advance!
  16. I've been receiving Incapacity and Housing benefit for quite a few years due to various mental health issues but now I have a decent chance to start up a home business repairing computers and I'm worried about losing all my support if things don't work out. I've spoken to Incapacity Benefits and they told me I can apply for Permitted Work which would allow me to work up to 16 hours a week and earn £101, anything over £101 will be deducted from my benefits. I also got in touch with Housing Benefit and they told me that as long as I sign up for Permitted Work and keep them updated with my monthly earnings I would be able to keep a certain amount of the benefit. If the system really works this way then I think I could make a go of this, I'm just staggeringly anxious about it all I still need to ring the Tax Office to ask for advice, I'm utterly clueless about tax but I'm told that at this level I won't have to pay anything and I will need to apply for Self Certification. If anyone has been through this sort of thing I'd greatly appreciate some guidance, I feel a bit like I'm jumping without a parachute.
  17. Hi, I am currently receiving ESA and have an overdraft with Barclays. Currently my overdraft has been limited and when I receive my ESA, Barclays are taking £22 a time every time I am using my reserve. This month they took £88 in charges and this was taken from my ESA which left me with little money to survive on for the rest of the month. Can Barclays do this even though I am receiving benefits? Thank you.
  18. Can someone be kind enough to point me in the right direction. I'm after a template for a response to a creditor after an SD has been served, many thanks
  19. Hi All, hope some kind person can help me, my husband receives JSA and also claims for me, we receive 112.60 weekly along with HB and CTB, up until last week I also received child tax credit and child benefit for him, this has now stopped as he has reached 20, he still has another year to complete at college and the only money he receives is a bursary of £110 every 3 months which pays for a bus pass to travel to and from college which is over 3 miles away. We are not in a financial position to be able feed and get essentials for the 3 of us on that amount of money we get weekly, my son has been trying to get a part time job for over 12 months but most ask for experience, he took up voluntary work to gain retail experience but so far hasn't received any replies from jobs he has applied for, he will be applying to go to uni when his course finishes next year, Sorry its a bit long winded but trying to explain best I can,
  20. Am I the only one out there that is gettin hassle from DVLA stating that ive not sent them back the V5 form, Its a bit strange how they word the letter final opportunity to prevent court action, as of course I failed to send bk the other half of the V5...NOT.. I've always sent this bk,but for the first time did not send it bk via recorded post D'oh, big mistake, but as stated in the letter I can pay £35 but if no payment is not received by a cut off date then it go's up by £55 with the option to pay via cheque-postal order-debit card, yep thanks 4 that option's, I ant paying this, this is a bloody lib's, I know I sent this bk they know what gives the the right to con us out of money & court action, out of order, My friend betty has this same letter with the same text word for word, like her she sent the V5 bk & of course did nt send via recorded post, strange how they never received this back... can anybody help or is there more people like us that is in this presition.. I would like to know & start up a pertistion sorry for the poor spelling, but you know what i mean mike marshall.
  21. Hi everyone, I was just wondering if the amount you get for HB has gone down? i am receiving income support but only getting £181.00 every 4 weekly.
  22. Hi, I hope someone can give me advice on my situation. I will definitely be receiving an eviction notice from my counicl as i have substantial rent arrears. if i give my council notice that i will be leaving, can i still be evicted? i would rather leave first so that i dont have an eviction against my name making it hard for me to rent in the future.
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