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  1. Hi all I'm wondering if anyone can help regarding a Single Justice Procedure Notice regarding driving without insurance. I was stopped by the police for having no insurance which they had checked on their database. I have not had insurance for a while as I cannot afford it. I have done my best to drive my car very sparingly, infact have only driven a couple of times. To summarise, my vehicle was impounded and has been scrapped. I received the SJN and have plead guilty within the deadline of 21 days. I did not write anything in terms of mitigation as I feared it might be used aga
  2. Hi, has anyone out there heard of a company called dti who sold single premium mortgage ppi's back in early 2000. Any information on this company would be great. I took out a ppi with them in 2001/2002 and paid £3000 which was added to the mortgage when I came to make a claim I was told I couldn't as I was no longer working full time. This I was not told by the broker at the time as I would not have paid upfront. Unfortunately I have lost the paperwork so any info would be great. Thanks
  3. I live on the High Street in the London Borough of Sutton. Recently a visitor received a PCN while parked on the single yellow line outside my house shortly before 8pm. All the nearest (under 100m) yellow control signs for single yellows nearby show restricted times of Mon-Sat 08:00 to 18:30, however there is not a yellow sign directly at this location. Seeing the single yellow line, and the time, my visitor thought parking would be fine. At the location there is also double yellow blips, controlled by a No Loading sign. To compound the confusion, at this location there is
  4. Hi, TL;DR version of events: I received a SJPN. I believe I technically am guilty of the charge, but had ignorantly committed the offence out of sheer financial desperation, having had no money and just started a new job. I'm desperate to avoid a criminal conviction. I contacted TfL's IAP to apologise, explained my circumstances, and I provided proof for everything possible and asked to settle this out of court, and that I'm happy to pay the necessary fine. Today they finally responded - with a very generic response to say they wish to proceed with the case... However
  5. Hi All Jut after bit of advice. I recently lost my pandora bracelet and 8 charms on holiday. I made a claim when I returned on my travel insurance. Limit for a single item was £300. My claim for the bracelet and charms was £490.00. They will only pay £300 as they say it was 1 item. Would you say this was correct? Charms were all bought separately over a period of a couple of years.
  6. Hi, would appreciate any advice regarding the situation of a relative who is a single Mother. She had an outstanding housing benefit overpayment which was being repaid monthly over a payment plan for the last few years. At the beginning of this year the council got in touch to say that they needed to increase the amount paid each month; following a review of her income and expenditure a significantly higher amount was agreed to be paid which she has paid without fail. The council also stated that they would review the payment plan after 3 months, however they sent a letter 4 months l
  7. Good Morning. Please could anyone offer advice or shed light on my situation. Hubby and i split 2016 after i discovered he was having an affair, never thought to finacially seperate as lots of things were going on and i was dealing with heartache. Fast forward to June 2017 and we decided to give our relationship another go, i failed to inform tax credits as wanted to make sure that the relationship was going to stick...mistake or not i was stupid. Recieved a letter of compliance asking In Nov 2017 asking for information to be sent as they have links that x was linked to
  8. 've had one of those worrying letters! We have info linking "your ex" to this address. Please send bank statements, bills etc. We have genuinely been separated for six years and been through this before and found "not guilty" he pays 105 per week into my account for the kids and 115 per month maintenance for me, will this be a problem? All the bills are in my name apart from the mortgage which is still joint for future equity reasons. Is is it worth sending additional stuff or just what they have asked for. I really want this closed. Ex can supply tenancy agreements of where he is living, do
  9. Good morning, I have found this site via various google searches and really hope someone can help. I have been claiming ctc & wtc as a single person but have a partner living with me. Stupid I know. It was always a case of I will let them know but never have. I have become totally reliant on the money due to large debt issues, payday loans, doorstep loans etc. No excuse, Im just rubbish with money and an idiot. Yesterday I received a letter from HMRC compliance saying they have reason to believe Mr X is living at my address and wish to check a 6 month period of
  10. Hello everyone, I'm currently a single mum of 2 and claim working tax credit and child tax credit. My boyfriend and I are thinking of moving in together (him moving into my home). I said I will inform Tax Credits accordingly and make a joint claim once he moves in. The problem is, he has made it very clear that he will not provide proof of his wages etc (it's his privacy). He said that he wants to provide and we won't be eligible for anything so I should just call them and close my claim. My question is: Can I just call to say I wish to end my tax credit claim as
  11. To quote from Thames Water on their Assessed Household Charge Now I was assessed in late 2008 and placed in band 1 and have been billed band 1 ever since. Only recently did I discover that the single rate also exists so have applied for it and been accepted. Now luckily I have a copy of my original meter assessment form (completed and signed on the day of my assessment) which states on it 1 bed 1 person.......... I can't remember a bill or leaflet that advertised that they had brought in a lower rate I was eligible for or I would have applied for it. So the q
  12. Hi everyone I’m just desperate for a bit of advise I got a letter last week stating we have links to you and mr x who is the father of my 2 eldest children and ex husband we have been separated now since 2005 but never divorced mainly due to my religion and neither of us have been in a real relationship with other people we have a disabled son and we are very amicable he helps out with our eldest a lot and is very close with him. I pay all of the bills in my name we have a joint mortgage on the house and house insurance together he lives around the road in his m
  13. I am currently in the process of a claim with Tesco Bank with regard to a single premium PPI policy added to a loan and interest charged on top of the total. I rang them today for an update (this is the seventh week of the claim) and I was informed that the final response letter is with their quality control team before sending it out to me, I was just wondering if this is a normal part of the process and if anyone has experience of how long the quality control team takes to release the letter. Also does anyone know what is the success rate for single premium claims?
  14. Hi, Just had a friend of mine on the phone in tears as a Bailiff has been to her address regarding Council Tax arrears. She did let them in her house, and they are saying they will be back tomorrow to remove items unless £250 is paid today. Her partner left her early this year with 2 children and she looks after her other child part time which receives DLA, she claims Housing and Council Tax benefits. This seems to be from last year. She had made an arrangement with the council to pay her arrears and was doing at £20 per month, but in the upheaval missed a couple of months.
  15. Hello CAG Can you help. You have been very helpfal to me in the past so i am wandering if you can help me with this situation. I have recieved a SINGLE JUSTICE NOTICE PROCEDURE i has given me 21 day to fill out and return the forms that was 25 day ago. yes i know i should have returned them but honestly i dont even open my post any more becouse it seem like there is somebody always chassing me for money..... to say the least i am feeling more and more stressed as time goes on and i have a "i dont care attitude" which i know is not healthy. I phoned the relevent speeding
  16. This is another recent decision from the Local Government Ombudsman. This particular case addresses the common subject of single parents and whether or not they may be considered 'vulnerable' for the purposes of bailiff enforcement. There have been a couple of Ombudsman's decisions regarding 'vulnerability' and as in this particular case, the LGO confirm that it is for the debtor to provide evidence as to how their 'vulnerability' affects their ability to pay or deal with the debt. LGO Decision: North Hertfordshire District Council Miss X complains the Council has use
  17. Hi, I'm a single expat (this is starting like a lonely hearts advert! ) but, I still own a house in the UK which I rent out. Currently it's empty and I've been paying council tax. I applied for the single person discount but it was denied on the basis that I was a landlord. However, I assume this is normally done on the basis that you are getting single person discount on the property you live in elsewhere. In this case that does not apply to me because I live abroad and am not getting single person discount on any other UK property. The property in question will be nominated as my main h
  18. I am currently living apart from my wife. We are planning to get divorced,but have not begun proceedings, yet. Neither are we legally separated. However, all expenses are currently separate. For the purpose of completing the tax credit application form, would I be considered single or married?
  19. Please help. I have made a horrible mistake in not informing tax credits that I resumed a relationship with my partner in early 2015 and started living together. I had every intention of doing so but I became dependent on the money I was receiving and it's become harder and harder to admit to them What I've been doing! I have recieved letter asking whether I am living with mr .... (my partner) and to send documents such a bank statements, mortgage statement, car insurance, council tax. My husband is on my council tax as I always intended to tell them he was living with me again.
  20. Hi Every time I read about Single Premium PPI, I am always told that most financial institution will add the cost of the policy to the principle loan and pass both amounts to the borrower as said loan as per the credit agreement. If most do that, what do the others do? I ask as my partner a had Single Premium Policy which was deemed mis-sold however she never actually received the cost of the premium ie the premium was not added to the principle loan and deposited in her current account, although the cost of the Single Premium was added to the loan account to b
  21. Please can anyone advise me on Council Tax single person discount. I'm living with my 2 children. My eldest moved out Sept 2015. In Sept this year the council started taking 50% increase on the amount Ive been paying. They had an old letter that stated my eldest child was on a college course until Aug 16 (when in fact she had moved out a year prior to this). I notified the council that she wasn't living here and not to take another inflated payment from my account as I wasn't in a position to cover this. Initially I got a reply within 3 days to advise about the letter bein
  22. A new financial guidance service to provide advice on pensions, managing debts and other money issues is to be created by the government. It will replace the heavily criticised Money Advice Service (MAS) as well as two pension advice services. The government thinks a single advisory body will be more efficient but has yet to decide how the new service will actually work. The abolition of the MAS was announced in the Budget in March. It was criticised for failing to help those who needed it most and paying its staff too much. No timetable Like the MAS, the new
  23. 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
  24. To put it bluntly Councils have been saying to people faced with homelessness that you will have the same issues as the street homeless have now so are not more vulnerable. Also because you have these issues before you become homeless there will be no risk soi we do not have to help you. Judge says [naughty word]! http://nearlylegal.co.uk/blog/2015/05/vulnerability-a-fresh-start/
  25. Hi all I thought I would share this, I moved into my property 2 1/2 years ago, The property had storage heaters originally, so was on a Dual meter (night and Day) Now by I have had gas central heating since I have been here, Dual meters are only good for your pocket if 60% of the electric is used on the night side of the meter, I queried this and asked it to be changed as there was just over 5p per KW difference. Look's like I have just save about £400, as the company are now back dating the account with the lower rate, Worth looking into. Leakie
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