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Found 41 results

  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 for my circumstances and get me a 7-56 ay ban which think I can cope with My questions are 1. If we ( solicitor and I0) mitigate for this option instead of PP, I think my license will be endorsed for 4 years. This will have an effect o my insurance, but after years have passed by, is it still taken into consideration for insurance purposes. For example I am aware that I money has penalty points, after 4 yeas the are no longer on the license and after4 years one does not need to declare them to the car insurance companies. Is hat he same with a disqualification lasting les than 56 days 2. I am a medical professional . Please dont attempt to shame me I unintentionally exceed the limit according to the speed camera and hold my hand up. Will any conviction ( e it 6PP r shot ban) be criminal record? It does have implications because I will have to declare it to my professional body, which I would certainly do. It may cause me to be suspended for 3-6months Finally, I have looked on the Gov website. What is the code for a short term disqualification ban which will appear on the license. am not talking about BA10 an BA30, which I believe are driving whilst disqualified. Rather, asking what code will be displayed on my license if I am disqualified for less than 56 days Your feedback is appreciated Many hanks
  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 within 14 days from the 'offence' date] 07/07/18 3 Date received 11/07/18 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] no 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? {y/n?] post up your appeal] No Have you had a response? [Y/N?] 7 Who is the parking company?parkingeye 8. Where exactly [carpark name and town] Mayflower terminal short stay southampton the reverse of the PCN states" " We originally wrote to the registered keeper of the vehicle whose details were held by the DVLA at the time of the event and they informed us that you were responsible at the time of the parking event" I am now and have been since June 2016 the registered keeper and owner of the vehicle. I have not made any representation to them or anyone else about the this event or any other event as to who was the owner or driver of the vehicle at any time
  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 giving 14 days, or should I continue with my Draft MCOL claim? PS Email OK? PPS do only work days count or do weekends count too? Thanks in advance.
  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 judgements were different, and on his default judgement it stated he'd paid £1, which he hadn't - it was my £1 from my DMP). I subsequently applied for a redetermination as I thought we would each submit budgets and he would start his own DMP and we could get the monthly payments reduced. The redetermination hearing is next Wednesday and states both me and my ex as defendants. My ex is long term unemployed, on jobseekers allowance and housing benefit. I am 58, self employed, on a low income and in receipt of working tax credit. Neither of us has any property, savings, assets, insurances, or anything of value. The debt is the second smallest on my DMP (total debts £24.8k). My ex is furious that he now has a CCJ and refuses to attend the hearing and refuses to do a budget. I feel responsible for sorting out the mess. My girlfriend has now offered to pay the claimant in full & final short settlement if the claimant will agree that no further liability is due from either party. Total being claimed is £461.80 plus £107 costs, so £568.80. After a couple of offers and counter offers, Restons said on 22nd Nov they would accept £422.85. I offered £400. Restons say they are waiting for Arrow to decide whether to accept my £400 offer. They're both dragging their feet unnecessarily I feel. Since it's less than 5 days before the hearing it's too late to apply to "vacate the hearing" so I must attend the hearing, alone. I need to email the court to tell them of this new development and also include authorisation from my ex. I want to email the court today or tomorrow latest to tell them about my offer, also including email from my ex authorising me to do that, also that the delay is down to the claimant. How should I word my email, how should my ex word his email, and since its a redetermination hearing that I applied for, how will the offer of short settlement affect the hearing especially since my ex won't be there. I know I ought to have sorted this out sooner but I have ADHD and also long-term depression, which makes life difficult sometimes. When I originally got into debt, before my DMP, things got so bad that I had a breakdown I'm better now. I've spent hours and hours looking up civil court procedures, protocols, practice directions, legal processes, advice websites, CAB signposted me to RCJ free advice session and they suggested I attend the hearing with my budget, which I will do. I just need to know how to handle communicating with the court about the changes, and at this late stage I can't afford to make any more mistakes. Any relevant advice much appreciated. Many thanks
  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 not to drive the car and either get it brought back or taken to a local garage to see the problem, he managed to get it into a Mercedes specialist on the next day - there was a 9 page faults list including electronics, possible not Mercedes front lights and engine misfiring on some cylinders. He did not drive the car as advised and called dealer supplied the report and asked for a refund, the dealer said he would consider it, I helped him draft a letter Monday 17th saying under the consumer right act - right to return, he would like the car picked up, and a full refund based on the independent report and his right to return a faulty car. I listed the main faults, I also noted the cost he had incurred in taking the car to garage getting home then having to pick it up again, he also had to pay for engine oil and other expenses. I sent this to the finance company as well asking for acknowledgment, they haven't as of yet. So far the dealer has refused a refund and said they won't accept responsibly until they have an independent report done, I pointed out that they have had that for 3 days. it's nearly a week and they have the car, the report, his money and he doesn't have any transport. Thoughts?
  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 contract of employment will be drawn up. Accepted and started the job beginning of September 2015. - No contract supplied despite the email from July 2015 and me asking for one both verbally/in writing on more than one occasion. - No performance reviews or final performance review, probationary period end was at the beginning of December 2015. First meeting late January 2016: With line manager and another senior manager, not told what it was about - titled 'review', no notice/time to prepare and not informed of right to be accompanied. Told I was not being sacked or dismissed just that my probationary period was not being extended; this was purely due to the financial position of the company - a restructure which affected other members of staff. I'd receive two weeks' notice instead of the statutory one week. I said I did not agree, that I had already passed the probationary period as I had not been told otherwise or had any performance reviews. I was then told there were business reasons for the delay (business owners compassionate leave). Got slightly heated and asked how much longer I'd be working for the company, I was told to go home and to come back the next day. Second meeting late January 2016: Told it was just a normal day then had a meeting with senior manager and someone external HR (on their side), offered right to be accompanied but as I'd only been there a short period of time I didn't ask anyone. Same position from previous day reiterated, HR told me I should have requested performance reviews myself. I asked at end of meeting for payment of my £X,XXX bonus as it wasn't dependant on sales but simply passing the probationary period and also a months notice as that would be usual for a position such as mine. The meeting was adjourned to ask the MD, was told that I had failed my probationary period due to performance reasons (the only condition on payment of the bonus and in contradiction to the previous days meeting).. - Not provided with copies of any meeting notes despite asking for them verbally. - Formally requested payment of the £X,XXX bonus via email - two week deadline - now passed. - Dismissal letter states I failed to achieve the responsibilities outlined in my job description and gives an example of failing to delivery a commercially driven strategic growth plan. - Appealed the dismissal at the beginning of February stating points above, crux was as I had not been informed I had failed the probationary period and there was no contract stating it could be extended I am deemed to have passed it and the bonus should be paid. Regarding poor performance example, I created the strategic plan in the first couple of weeks of my employment, was decided after a week I'd be responsible for less than the job description how could I deliver something I wasn't fully responsible for? Had been given a really slow old computer only sorted mid November 2015, systems not in place/being set up despite me raising this - which was taking up considerable time daily and insufficient stock of best selling products etc. I asked for further details as to why I'd failed. Attended an appeal meeting Couple of weeks later, accompanied by a colleague after great effort. Meeting consisted of the managing director asking me lots of questions and only asking me toward the end if I had any points to discuss (points from my appeal not fully discussed). They took a picture of my notes and I took one of theirs. Appeal outcome Dated same day of appeal meeting - original dismissal decision upheld, saying I did not meet the expectations and responsibilities of the role as detailed in my job description. Especially prevalent in areas of leadership, management and dealing with workplace issues and challenges. They also say I acknowledged my role did not materially differ from non-managerial junior colleagues. Just wondering how best to go about getting the bonus I was promised? I've waited a couple of weeks since the appeal to make sure I get the rest of my outstanding pay, I've had the pay slip so it should be in my bank Monday. I have spoken to acas a few times but they give differing advice.. I've been told I can go to acas early conciliation for free, if the employer refuses or it doesn't work out I could then take them to a tribunal at a cost of £400 - may be paid back to me if I win. Unfair dismissal is unlikely as I have short service, wrongful dismissal and non payment of wages may be possible but I'm told it is my word against the employers due to not having a companion in the first meeting. I've also seen online I could take them to small claims court for the £X,XXX bonus and someone else had mentioned about submitting a statutory notice for winding up (but I'm not sure if that is more for freelance people rather than employees). Is it worth making a SAR to my employer at all? Sorry for length! Thanks in advance, chaoticj
  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, since I worked for a short period and for little money. I haven't received any letters from HMRC either so what do you suggest i should do ?
  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 but the average is 7.5k words upto 25k words, the latest im estimating at 20k to 50k if it continues in the same vein
  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 the most unreasonable company I have ever had to deal with. The property was repossessed and the same agent who was marketing it and had said it was worth around £1.2m plus then 're assessed it' for NRAM at about £650k, yes £650k and they continued to market it at a much lower price. The buyers at 900 magically disappeared. It didnt sell even then and was gradually reduced during 2013 until an offer for around £570k must have been made. We only knew this as I saw it on a different agents web site and decided to try and stop the sale as an under value sale. We even went to court for an injunction to stop the sale but lost although a potential case for an undersell is still possible. I feel very strongly that there was an arrangement for the agent to get it to sell as low as possible for his own personal reasons (we had known him for 10 years and he said this was one of his op 5 houses in the town). There was something just not right about the process although I cant prove that. The sale went ahead in Aug 2013 and the only thing we heard from NRAM was when a statement arrived in Jan 2014. It shows the proceeds of the sale £540k plus various other smaller amounts, agents costs etc and then it says Repo Writ-Off Cred ....... £590k. This takes the mortgage account down to zero, exactly. A cheque refund of £1500 is then ADDED which takes the balance owed to £1500 (no idea what the cheque refund is). Anyone reading this statement would say our mortgage balance is £1500. It is not a sales statement, it is our annual mortgage statement. Recently we were contacted by letter from PRA formerly those monsters Mackenzie Hall. It gives little detail accept our mortgage ref which is why I know its connected. I do not want to contact them or NRAM yet. NRAM know that if they chase us for shortfall they have a fight for undervalue so is it possible that bearing in mind what the statement says, does this look like they have unilaterally written off the debt. It is possible the PRA contact is only for the £1500 and not £590k. Not sure PRA would deal with this high value shortfall. We have had no letters assigning any debt either. We have a great deal of other debt but with a few things that are happening that debt might be manageable, the NRAM debt would be a big problem. The other weird thing is that the sale is not registered with Land Registry from July 2013. I cannot find any sale of our property registered anywhere apart from our own purchase in 1999. i have searched numerous websites including land registry which list all sales in a road/post code for many years back. I have not paid for a title check.
  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 would be welcome, Peter. PS should probably have posted under a pseudonym but I'm trying to stay above the radar.
  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 of disclaimer form. I filled this in and was told I would have to print the form off and fill it out then post it before they would do anything. This all seems a bit much. And the fact the onus seems to be on the customer to prove they are almost telling the truth! Is this the way short deliveries are dealt with? I won't name the other companies I have dealt with and NEVER had any of this agro, purely because the list would be too long. Any help would be greatly appreciated Pauline PS, should have added I have emailed back to ask why it is such a convoluted procedure I have had what is obviously a generic reply probably generated by a bot. Absolutely abysmal, non existant (literally) customer service.
  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 appreciated K regards BB
  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 Made Up To: 01/12/2007 Next Return Due: 29/12/2008 Last Members List: 01/12/2007 Previous Names:Date of changePrevious Name25/09/2008J.B.W. ENFORCEMENT LIMITEDSo jbw 1 is now jbw group limited as of 25/09/08 look below and you have the new jbw enforcement limited which was incorporated on 25/09/08 Name & Registered Office: J.B.W. ENFORCEMENT LIMITED 16 HEWETT STREET LONDON ENGLAND EC2A 3NN Company No. 06708297 Status: Active Date of Incorporation: 25/09/2008 Country of Origin: United Kingdom Company Type: Private Limited Company Nature of Business (SIC(03)): None Supplied Accounting Reference Date: 30/09 Last Accounts Made Up To: (NO ACCOUNTS FILED) Next Accounts Due: 25/06/2010 Last Return Made Up To: Next Return Due: 23/10/2009 The catch. If you were levied on by jbw enforcement ltd on or before the 25/09/08 then you need to address all complaints/claims etc to jbw group limited. If you are levied on after the 25/09/08 then it is jbw enforcement limited which you need to complain or claim against. It would not come as a surprise to anybody if jbw again change their name. How ever recently jbw enforcement 1 bought out the debt collector tj meagher. According to companies house this company is in liquidation. However this does not stop anybody from buying the debt ledger at silly money and then collecting of people ?
  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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