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  1. Hi Al I have a clean driving license I am 45 yeas old. I am a doctor by profession and have had a clean medical record I received a NIP for doing 76 on 50mph on the motorway. Asking for advice rather than being told off Ive contacted few 'free initial advice solicitors' I gather the options I have are 1. plead not guilty ( I don't think Im going to that) 2. Plead guilty and hope for mitigation The offence allegedly carries 6PP and maximum £2500 ( n view of Motorway) I have clean driving license. One firm told me tat they can mitigate for me
  2. my friend cancelled his JSA claim today and has appointment booked with his ingeus advisor tomorrow, he has asked me if he can still get sanctioned for not attending as he is switching from JSA to ESA? sorry to keep going on but he keeps asking me.
  3. Hi Guys Ive made the mistake before of ignoring a PCN so this time I intend to respond properly. I received a notice in the post today received by one of my taxi drivers who failed to mention to me that he went into the car park or that the ticket machine wasn't working on questioning today when i received the PCN he said the person he spoke to had no clue as to what he should do.. the car is 140 miles away from my location and its unlikely I will be going that way anytime soon.. 1 Date of the infringement 28/5/18 2 Date on the NTK [this must have been received wi
  4. Hi, I think I have made a minor mistake - a Ltd company owes us (we are also Ltd company) for an unpaid invoice. The invoice has been unpaid since April, we sent a letter before action by email: I copied this text from something I found online, the number of days was blank so I just put 7 in there thinking it was reasonable. Anyhow I have now read the pre action conduct page here https://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct And they mention 14 days. ooops. As the 7 days has elapsed do you think I should send another letter givin
  5. Hi guys just wondering if some one could give me a bit of advise , i had my home repossessed 9 years ago , there was a shortfall when they sold it at auction . They haven`t bothered us for 9 years (halifax) then today i got a letter from the halifax saying they have passed the debt on to moorcroft dept recovery , i don`t really know what to do, we have not acknowledged this debt . and cant afford £20,000. any advise would be help full.
  6. My ex employer (LTD Co) has found a novel way to avoid the companies debts. The director dissolved the company while still trading, without informing employees, or any other creditor, until after the strike off. Redundancy notices were issued, but now the director is trying to avoid paying. any suggestions welcome. Thank you!
  7. I have a joint account overdraft debt (First Direct) from 2005 which has been on my Payplan DMP since 2011. The current DCA (Arrow Global) appointed Restons Solicitors who sent Claim Forms to both me and the other party, my ex. Payplan sorted my reply offering £1 per month. I didn't realise that my ex needed to send Acknowledgement of Service and I told him, wrongly,that I had it sorted with my DMP. The claimant rejected my offer and the court issued me a judgement by determination for £20 per month. My ex was sent a judgement by default. (The amounts on the two judgeme
  8. Noddle seem to list normal long term loans under "Short Term" on the basis that the lender provides daily information under a new system called MODA. Is that legitimate ?
  9. Hi All, A friend of mine is having a problem that I'm helping with. He purchased a secondhand Mercedes sports car for £26,000 from what he considered a reputable car dealer (not main dealer)it was delivered Thursday 13th July 2017. They are FCA regulated (Ref No 658267 ) and a representative of (MBI) Limited (Ref No 312143) He paid £10,000 deposit cash and the rest on finance with Close, the first day he noticed problems which were reported the second day, he thought there were gearbox problems and noticed the active intelligent lights were not working. He was asked
  10. got a friend popped around says he thinks hes being short changed has asked several times about his holiday pay rate and is being stone walled or constantly fobbed off. can someone please check his workings attached and point me to a suitable letter to give them a good poke to sort it please.. not my bag this. dx
  11. News From Credit Strategy The above case shows that PDL firms are still failing. The firm, who is believed to be "Safety Net Credit TA/ Indigo Michael" The FCAs rules have helped but more must be done.
  12. Hi all, I'd be really grateful for some advice on the following please.. Email 'Subject to Contract' from July 2015 gist as follows: 1. Annual basic salary of £XX,XXX 2. Annual performance related bonus of £XX,XXX (providing OTE of £XX,XXX). As discussed, your first quarter's OTE of £X,XXX will be paid to you regardless of the sales achieved during this period subject to satisfactory completion of the three month probationary period. 3. Statutory holidays plus 20 days per annum vacation. Official working base XX, formally confirm acceptance of this post and a full contr
  13. I came from EU to London in November last year, 2015 and i was working as self employed for 1.5 months in that year. I was waiter through an agency working for minimal wage, now i am employed already but I am concerned about those several weeks that i worked as self employed last year, i haven't submitted any documents about the salaries i received and i don't know if i should and what documents i need to have, i don't have all of my pay slips either. Today I was in the agency that i worked for to ask these questions, and they told me not to worry about that, sinc
  14. i wondered if anyone can help on this i will admit ive only done a very brief google search but its turn up thousands of results and im a bit lost i've been writing short stories that have been emailed in sections to people at work these have got very popular to the point where my average mailing list is now around 200ish people its been suggested i submit these to some publications that take short stories but with all the different genres and lengths that ive written im not sure where to start does anyone have any advice on where to start some im not proud of bu
  15. We rent our home and have done so for the past 15.5 years, Our tenancy agreement is renewed every six months and the rent and the landlord are both good Looking ahead and a potential scenario, do we have any more "permanent" rights of tenure after all this time? We have no desire at the moment to cause any waves, just looking for guidance and opinions Thank you
  16. This one is weird. My mortgage statement from Dec 2013 shows NRAM have written off a mortgage shortfall off approx £590k (yes, £590,000). I do not have a statement for Dec 2014. I am not sure if this is a true 'write off' or whether it is just transferred to a suspense account or the like. The property was repossessed by NRAM in August 2012 after a long long fight. The mortgage was almost £1.1m with all costs and charges and arrears etc and the property had been worth £1.2m. Before repo we had offers of around £900k but could not sell as it would not clear the mortgage and NRAM are
  17. Hi Guys. Long time reader, first time poster. Please be gentle. I found out my now former landlord had connected the communal radiators to my boiler and the electrical services (CCTV communal lighting) to my meter. All of this was without my consent. I estimated the costs to be around £600 and sent a letter and 2 LBA's to him in the name I knew him; let's say, Joe Bloggs. It turns out that his name is; say, Andrew Joseph Bloggs. Do I have a problem or will the court know who i am suing? Thanks in advance.
  18. Hello good people, I'm receiving ESA, the higher element and am also living in a property supplied by my local London Borough costed as Temporary Emergency Housing since my break down in 2012. I've been offered a 'break', a holiday of sorts in Broadstairs on the Kent Coast next month for five days. No cash just a stay outside of town no remuneration. Although I've seen little activity regarding the Council, Brent, checking on my personal occupational life, in Haringey, I don't want to give the paying authority for my HB any excuse to cut me off at the knees! Help and advice
  19. Hi there I am aware that the law allows pubs to sell pints that are only 95% full of liquid. I appreciate that pouring a full pint of lager (sans head) can be difficult. Does the same law allow pubs to refuse to fill to the pint line on oversized glasses? Tnx
  20. Hi, I'm hoping someone can shed some light on the method used by Sportsdirect to resolve a short delivery. Maybe I've been spoilt by some of the excellent customer service provided by just about every other company. I received my parcel, slightly later than stated, in a box that had been reboxed by the delivery company, Yodel. Upon opening it I found some items to be missing, totalling £11 on a £100+ order. As a family, we have had no problems until now. I emailed them with details of the missing items. I was then requested to take pictures of the box. I was then asked to fill in some sort
  21. Hi all, I have just rented out my garage to a chap to store his car that has been damaged in a motoring accident and is SORN. Please can anyone advise me accordingly as I have never let out a garage before and was wondering if there is anything I should be aware of or any potential problems, such as having a sitting tenant? I havent drafted up a contract yet but I have seen proof of address and intend to draft one up shortly and drop it round. I have had the first month's rent up front and we have agreed an initial period of three months. Any help/ advice greatly appre
  22. Please read this very carefully. As you may be aware jbw enforcement limited has recently changed name and has also been reincorporated. As follows : J.B.W. GROUP LIMITED MIDAS HOUSE 62 GOLDSWORTH ROAD WOKING SURREY GU21 6LQ Company No. 04118149Status: Active Date of Incorporation: 01/12/2000 Country of Origin: United Kingdom Company Type: Private Limited Company Nature of Business (SIC(03)): 7487 - Other business activities Accounting Reference Date: 31/03 Last Accounts Made Up To: 31/03/2007 (FULL) Next Accounts Due: 31/01/2009 Last Return
  23. Recentley ive gotten back into writing a few short stories for fun. Mainly because a few friends of mine saw some very rough drafts and thought i should take it back up. However, i havent found a decent site where i can upload them, people can download, read, and comment/give feedback. Right now, theyre hosted on Google Drive and Dropbox, but im really after somewhere that allows feedback, but maintains the functionality of the above sites. Anyone have any idea if such a site exists? I could write my own site and scripts, but i simply dont have time to do that right now.
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