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About Me


  1. Hello, I was completing a credit check after being refused to get a specific type of finance and to my horror I found out I had been issued a CCJ on the 2/10/18. After ringing Northampton they informed me that the CCJ was issued over a parking ticket issued on the 30/01/17 by JD parking. correspondence to do with this had been sent to a previous address, and even when I was living at this address at the time of the alleged incident I never received any letters about receiving a parking ticket. Now the location that this occurred was at my friends flat where he has a parking
  2. Hi, I was hoping if someone could give me some advice in best way of tackling the damage to my property caused by my local council this morning. :-x:-x I came home this evening to see my rear gate in the garden which leads on to the access road at the back of the house broken, as well as brick wall knocked down. It appears this morning around 11am one of those caged type vehicles operated by the council was collecting rubbish along the road. From the CCTV footage I have (link below) the vehicle stops outside my back gate, as it drives away the gate at the back of the vehicl
  3. Hi there, I have just been advised my car costs more than it is worth to fix. In my agreement with AF it states i can terminate, or do a repossession: I signed a higher purchase agreement with Advantage Finance 2 years ago on a 48 month term. In my agreement it states that i have multiple options: 1. Early repayment 2. Termination of Rights: "you have the right to end this agreement. To do so you must write to the person you make payments to. They will then be entitled to the return of the Goods and to half the total amount payable under this agreement.
  4. Hello, I got a PCN from CPS Midlands Ltd, I looked and they are not registered with the BPA (British Parking Association) and they also not registered with the IPC (International Parking Committee). I checked through their members today (17th of July 2018). I paid £2 initially for parking and got a machine error and the machine did not accept any more change. And it does not accept cards either. I then paid £5 and got my parking ticket which I displayed on my dashboard. There were two machines at their premises with the same tariff sign next to each. One of their machines were inacce
  5. Good afternoon I need some advice on who is responsible for getting my car repaired please. I have a Skoda Yeti on personal contract hire. My car suffered some minor damage to the o/s/r door at the beginning of May and at the time there was no other apparent damage. The car was collected by DLG Autos Orpington on Tue 22 May and returned on the morning of Sat 26 May. The next time I drove the car was on Tue 29 May when I drove to work when I noticed that that, apart from a small deep scratch on the driver's door that there was a knocking noise coming from the front of th
  6. Where do I stand Hello I am desperate for some help. My car was taken to a garage in May 2016. Although at first there were problems getting parts, I paid a £500 deposit to get it done. I have been pushing this garage to get my car done as have messages from the garage owner saying that it will be ready July, August, December just pushing the goal posts further and further. Because its the headgasket the car was not moveable. I have been in constant communication with them for nearly 2 years. Finally I arranged for the car to be picked up as I could not
  7. Hi, i used to work for a company and when I left i was deducted £750 for "training", this was stated in the contract. I tried to fight it at that time, as I was not given any specific training other than by other members of staff. I should of taken it further at that point but due to health issues I was not in the right place to fight it. Today I was sent a link by someone pointing out that the same company has now lost a tribunal for exactly the same reasons and the company was forced to repay the with held money. the data with in the tribunal is widely available on the inter
  8. Vodafone mis-sold me contracts on my account and have refused to cancel them as requested. This has been going on since June last year, even the Ombudsman didn't seem to see where I was coming from legally, but agreed Vodafone had made errors in handling my account and complaint and there was a shortfall in service. The Ombudsman also told me about an invalid charge on the account (which Vodafone have not admitted to me) and a voicemail I was apparently left regarding a credit to the account they were making, but neither has appeared and reduced the balance I'm being asked to pay. If a comp
  9. Found a charge of £15.99 on my phone bill, after looking into it I now know that I have be paying this monthly charge for the last 4 years. This was due to some router thing that uses mobile phone data from its own sim. I had been sold it over the phone but can only think I cancelled it at the end of the call or called back the same day to cancel this as I realised it was of no use. Well I now know the device was never sent as the phone company have told me it was sent and then returned 2 days later and on my account it says cancelled and returned. I kno
  10. Hi The company I work for went into administration last week. They ran their own sites and managed some on behalf of another company. The following day we were contacted by one of my (now ex) bosses who said that the company that owned the business at my site wanted to keep it running and would we continue to work. I, and the manager of a second site, agreed on condition that 1) we were paid weekly, and 2) money owed from last month was paid promptly this week (optimistic I know). Since then we have continued to work, but payment has not been made as agr
  11. Hi I've been paying halifax, cap1 and marble a minimum monthly payment via DCAs for quite a few years now. Ideally I would love clear these, be debt free and have a useful credit rating at some point. I have some original lender and DCA correspondence but not the original contracts. Are the debts now owned by the DCAs and therefore have nothing to do with the original lenders anymore? Are SARs a good starting point and a useful thing to have? Regarding the above will the SAR go to the original lender or DCA? Never considered it until now but can I still do a P
  12. Hi CAG, There is a known hardware fault amongst Apple and the Apple community in relation to my Apple MacBook Pro model (Mid 2010) whereby a hardware panic during the dynamic graphics card switching causes the MacBook to crash. I got in touch with Apple Support who advised that my MacBook is now considered as "Vintage" and so replacement parts are no longer manufactured, nor am I able to send it to Apple for repair. This fault has been reported to Apple many times from other owners, but I have never received contact from Apple to recall my laptop or advise me that there is a ce
  13. Hi Just looking for some advice on below, if anyone can help? I have just recently received the below from appealing to POPLA, I still have the ticket with £2.70 printed on the ticket, the ticket only displays the arrival time, there was parking tariffs on the sign but believed that this would pro rata, ie additional 70p, would more than cover the additional 28mins over the £2 for 2 hours. The operator has provided me with photographic evidence of the appellant’s vehicle entering the Dovecot Street Car Park at 13:27 and exited at 15:55 for a stay totalling 2 hou
  14. I've actually put the whole question in the title. I am repaying a debt which went to court mediation and I signed a Tomlin agreement. Over a year later the DCA sold it to another DCA. For about a year the new DCA accepted my payments but are now writing/ attempting to phone/ wanting me to phone them, and saying there is not an agreement in place. I have written a letter of complaint, and am waiting their reply. But what is the LEGAL situation of my Tomlin agreement and the new DCA? Thank you
  15. I don't know if this is the correct place to post. I have a linked detached house and it isn't in the best of repair. We had very high winds last week and some of the concrete pointing fell out (the wood on the fascias has rotted) onto my neighbours drive, luckily her car wasn't there but she has said if her car had have been damaged she would sue me. Can she do that? I haven't the money for new fascia but have had a roofer round to make it safe. I just wanted to know for future reference. Also my fence was blown down nearly so it is leaning but not blown over. Sh
  16. back in march some 1 clipped the wing mirror on my van on a country road, they barely touched, there was no marks or anything, the woman tried to blame me (even though i was stationary) i rang my insurance company, told them what happened just in case the woman rang trying to pass the blame, nothing ever came from it and no claims were ever made. renewed my insurance last month, had a call at the weekend from my insurance company saying there is going to be an increase of £900 because i havent declared a claim, i said i havent ever claimed, they said theres a claim on the motor insurance datab
  17. Hello, Probably as most of the people here I feel like I've been heavily fined for minor offence. As mentioned in the Title I'd been issued a PCN for 'Parking on a restricted bus stop/stand'. The most important question for me now is whether I should pay full amount (£154) or take it to the court. I don't know if I have the case here and whether it is worth risking for that kind of money. Also the way I dealt with it up to now was probably not too good and on top of it I'm not British which makes it even more difficult for me to understand all these legal proced
  18. Hello all, I stumbled across this useful site and now here I am asking for some advice if possible. Our daughter was at a nursery for just over two years, it was okay but we never really loved it. A new nursery opened which we really liked the look of and after a tour decided we would move our daughter. My wife emailed the current nursery manager on the 29th Feb asking for a copy of the terns and conditions, specifically with regards to giving notice. The manager emailed back a very short paragraph stating: The notice period is 2 full months from the 1st of the month.’ Sh
  19. Long time lurker here. I own a BMW 1 series - 2007 model. Hello All, I've got a question with regards to my car and its repairs. Basically, what happened earlier this week was I drove my car to the mechanics for him to run a full diagnostics and see whether there were any problems as the yellow light on the dashboard came on, immediately I drove it to the garage to solve the problem. The mechanic ran a full diagnostics on the car and said my chain is showing signs of wear and tear which will need to be replaced. He also mentioned that I would need an exhaust vanos solenoid
  20. We live in a detached bungalow the next property which is another bungalow is after a private drive, so we are not on top of each other. The person that owns this bungalow seems a constant complainer, we keep ourselves to ourselves, have the occasional bonfire haste to say probably 3 times a year last year admittedly it was quite warm and he shouted out from his garden (to be honest I didnt know who was shouting or where it was coming from as we are not that close and both have 6ft garden fences and as I said there is a long private drive in between our prop
  21. I'm currently renting with a private landlord, everything was fine until an outbreak of mould. My flatmate moved out as we were told that the builders would need the flat clear but realized it was only surface mould so I was allowed to stay in the flat, rent free whilst paying bills. During this time my 6 months contract ended. I've been living there without a contract for over a month and the LL wants a new tenant by Friday, they've not given me much time as I was only allowed to conduct viewings once the place was painted (last week). All seems fine but they're 'threatening' to kick me
  22. Hi. I bought an ex-display bath from a local bathroom shop a few years ago because i knew i needed one soon and as it was ex-display it was a fraction of the price of a new one. It was sold as seen and it looked fine. I've had it in my garage for over two years now that i've come to install it i've noticed that it has started to go yellow. It should be white. The retailer says that it was sold as seen and as an ex-display bath it isn't covered by the long guarantee that a new bath comes with. He says that the bath has been on display in the shop for years as we
  23. Hello, Been following your forum on Wonga loans and wondering if any had any advice? My PDLs started back in 2011 and I have been reliant on them ever since. I have only used 1 lender wonga, during the years taken out over 50 loans. Only occasional during the years having a few months when not applied. A lot of loans taken were straight after repaying a previous, otherwise I couldn't of survived the month. ..and a few times were I couldn't afford to repay on time I rolled them over. I was surprised everytime I was acceptes as unfor
  24. Hi All, first post so please bare with me. we bought a Palram shed from an Amazon seller around 3 months ago. We set the shed up which was a painful task in itself, and where reasonably pleased with it although I did note that the plastic sides where somewhat flimsy and thin. Search Palram shed on Amazon 8ft x 6ft to see the product if needs be. Now in Preston where I live at the weekend we had very high winds and stormy conditions. Which shock horror, caused the shed to collapse! The whole thing came in on itself and the metal frame was contorted and bent.
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