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Found 89 results

  1. Evening all, I ordered some equipment from Fitness Superstore, checked both items were in stock (it showed as such on the website but I checked anyway)and there is an email trail showing this. As I was having them install it I had to submit a form which I did and they acknowledged receipt. I had to hasten info on a delivery date but once they had been reminded of my order this was set for next Monday (11th Feb). Yesterday they informed me that the Monday delivery is only for one item and the other will be restocked 'sometime in March but they don't know when'. It could potentially be 7 weeks before it's available again and then there's the wait for installation. A kerbside delivery isn't an option for us with equipment of this size and weight. After some discussion I have today cancelled the whole order. I did use a credit card but I transferred the money to it on the day of the order so I am out of pocket over £3000. I want the refund sooner rather than later. The way this went I've lost all confidence in this company as they don't give a damn and I want my money back so I can go elsewhere. I can email an LBA first thing on Monday and I'd like to give close of business on Friday as a deadline - all they have to do is press buttons to refund my credit card and I know it can be done. Must I give them any longer? I see two weeks quoted on here quite often.
  2. Hi, On a low budget so wondered if anyone could recommend any kind of product which might help my lad cover the surface of this outside wall of his? To remove all the plaster and have it redone will be expensive so he's hoping to DIY and try and get a decent finish which hides up most of the crass mess made by the people he bought his place from. Any idea's of any product which he can paint onto this surface which might hold for a year or two? Thoughts appreciated.
  3. Hi all, Just received (through the post) a letter from Civil Enforcement Ltd. The letter states I was parked in a hospital car park at the beginning of June. Apparently, I failed to display a valid ticket. My issue is, on the day in question, I was in the works van approx. 200 miles from the hospital. My car, which I use on the weekend was parked up, at home, 100 miles from the listed hospital. There is no photos of my supposed car parked in the hospital car park. The letter isn't even on headed paper, only found out the company name from the address on the back!! Where do I stand with this? Can I appeal and ask for photographic evidence?? Thanks for any advice!!
  4. A fitter came to my house on the 20th of June. Unfortunately, when he came to my house he did not have the LVT samples that I had requested from the Carpetright Ipswich store, in order to do colour matching. I thought that was not professional of the store, but nevertheless, I decided to let this go. On the 30th of June I made an order for a Carpet, LVT and fitting on a finance agreement. At that time I did not realise that the carpet in question is out of stock and the customer advisor did not inform me of this. Otherwise, I definitely wouldn't have made the order as I would like to have flooring in my new house sooner. I wish I had been informed of the 4 weeks turn around. I had been hoping for a two-week turnaround (max). On the date of my order I had been told by the person who did the paperwork that he would give me a ring the next day to arrange fitting dates. I did not get the promised call on 1st July. Monday 2nd July I followed up to try and get a fitting date and the person on the other line told me that it wouldn't be until the end of the month. At which point I expressed my dissatisfaction as I had not known it would take so long, neither had I been told this at time of order. The person on the other line said he would see what he can do to expedite the fitting. He gave me a call the following day, but unfortunately, due to work commitments I missed the call and was not able to get back to the store until Friday 6th July. On Friday 6th July I rang the store back and managed to secure a fitting date for the 19th of July. However, I've been reviewing my Carpetright account online and I noticed that the carpet order is on hold because the carpet is (no stock). The store did not make this clear to me at the time of order that the carpet was not in stock. My experience and cumulation of disappointments do not inspire confidence and I am concerned about further letdowns, which has led me to the decision to cancel my order . I have a credit agreement with a cool of period of 14 days, which expires in 6 days. This is a huge agreement to get into and a very big deal, as a result, I want to make sure that the service delivered is also to a good standard that I'm not going to regret. Carpetright have point blank refused to cancel the order and yet attached is a term/condition that I feel they are in breach of. I wonder what rights I have?
  5. I have 4 CC, 2 with cap 1 and 2 with aqua, so all classed as bad credit, credit cards, I am happy with aqua, but cap 1 I am considering cancelling, why, because ive had the cards for over 3 years, use them, pay off, never been late, or over limit, yet my limit on both is still just £200, now, am I cutting my nose to spite my face by cancelling these, ie, will it harm my credit file by cancelling them, I doubt id ever be that desperate to ever need to access the £400 total across both cards, but again, is there any benefit to keep them. Also my wife has 7 cards, but only uses 3 of them, so again, is she better of cancelling the other 4, or will they be helping, or hindering her credit file. Thanks
  6. HI I drove into the NCP in Lincoln several times over the last few weeks to collect keys from an office behind. I park in the private car park at the back. You have to drive through the NCP to get to it. I have received a PCN for £100 as they clocked me going in and then leaving 19 mins later. I didnt park in their car park!!! I will get several more of these over the next few days so am livid. Surely they cannot charge you to drive through their car park, it is the only entrance to the private one at the back that they dont own. Also, now they photograph you arriving and leaving does that mean i cant wait in there anymore for my disabled partner? They are getting bad. Any advice appreciated Thanks
  7. Hi, This morning I had a very important meeting that I could not miss and went to park in my usual car park. Unfortunately it was full, this has never been the case before, but I sucked it up and used the larger car park across the road where the minimum stay is 4 hours and they charge £2.50, this is why I never use it. This car park is never more than half full, but was full today. Obviously something local was going on as this has never happened in all the years I have been parking. After driving around for 10 minutes and no space appearing I saw a space that was not blocking anyone at all, and it looked like a space. There was a small triangle of yellow lines right in the corner of the space, that made it look like you could maybe not park there, but I checked all around and it was blocking no one at all, there was ample room. I took the chance as I really could not miss this meeting and paid my ticket. When I came back I had a ticket on the car, this small triangle in the corner was half obscured by leaves and was not the easiest to see. I took a pic of the leaves covering it down the side and at the back, I also took a pic of the front of the car as it really did look like a parking space with white lines at the front and to show it was not blocking anything. It was just this small half obscured yellow triangle at the back that made me doubtful, but that made no sense as it blocked nothing. I am not trying to say I am in the right as I thought it maybe a non parking spot, but paid my money and had no choice but to take my chance, missing the meeting would have cost me far more than the ticket. Is there any point trying to challenge this ticket or do I just suck it up and take it, the least they could do is take the £2.50 off is the ticket was invalid. Thanks for any help Paul
  8. Will try keep it brief... Aug 2017 i cancelled dd this was due to my daughter been placed with me by local authority , money was tight with everything(food on table) Due to the things happening around the case and my well being of my daughter priority i totally over looked the November dd or payments. I was spending all my time on pc doing research for my situation, tv was been used on android box iptv 24/paw patrol and terrarium kids movies January knock on door( i was up to eyes in paper work for case) let him in explained the reason for overlooking it (even showed him contract of expectations from the local authority to show i was genuine ) he asked to test the tv i didn't even know how to get it on as we always used box he asked when was it last used i said 24/7 paw patrol for daughter on iptv service.for the daughter i haven't used tv for 6 months in fact the virgin box is in the cupboard as i cant get out of contract and i use android box ,he set up payment plan which has been adhered to. HOWEVER i have received a summons he said that i wouldn't on examining the documents he put i watched cbeebies for bairns usually, this is incorrect i said paw patrol and for the bairn,as there is only my daughter .i need to respond to summons any advise on attaching a letter to be considered in case
  9. Hi, I have joined here after reading an exceptional amount of valuable information regarding Blemain Finance (or Blemain Group) now operating as Together. About myself: I am a law graduate and helping a friend with his mortgage taken from Blemain. About the friend: From what I can see he has taken a total of 5 "charges" over his property from Blemain over the course of 2013 to the present. It started with £15,000 and now he owes 4 times this amount. That is not to say he did not exercise his own will, but so much about their operation is incredibly DODGY (for want of a better word/phrase), that it has made me upset to see a family friend potentially abused. He suffers from brain damage and this house is his only asset which I can foresee him losing if something is not done about the way Blemain/Together are operating... At some point he spoke to Phone-A-Loan who are an associated company of Blemain. It is unclear to me what their role was, but I hope to establish this position as quickly as possible. Enterprise Finance Limited always appear to have acted as the broker. They seem to take a fee each time he redeems his mortgage then opens a new account with Blemain (as stated this is his 5th loan/charge/mortgage. My question at this point is has anyone else dealt with Enterprise Finance Limited? If so did they provide options of lenders (ie alternatives to Bleamin) or did they simply tell you to go to Blemain for the loan? From my limited research I can not discover any connection between Enterprise and Blemain but I suspect there must be some link (even if it is beneficial ownership which would be fairly difficult to establish or prove). From the initial loan of £15,000, the charges which have accumulated as he has re-mortgaged amount to £15,000 and he has been extended a further £30,000 in credit. He, nor I, have yet requested the SAR, will do soon I am interested to see if there have been any hidden/undeclared charges to his account. In all this practice seems deeply unfair and I have a feeling it may well be considered more than "unfair" in the eyes of the law, At this stage I do not want to throw around accusations without evidence. I would really like to hear from others, and particularly those who might have dealt with Enterprise Finance Limited as the brokers. Thank you,
  10. I ordered a wooden bed frame and was promised it would be delivered today so got my old one taken away before this one was due to arrive. Only two of the 3 boxes arrived with the courier and there is therefore no way to build the bed until the last part gets here. I live in a bungalow and have osteoarthritis so am not able to sleep on a mattress only, nor is my sofa a suitable alternative. I am therefore having to stay in a budget hotel for the weekend as I have no friends or family in the area. The couriers say they have never had the item and the company (Getlaidbeds) say it is not their fault so all they will do is refund the delivery charge. As my having no bed is a consequence of the situation and Getlaidbeds are, I believe, responsible for the actions of the courier, surely I am entitled to some compensation for the costs of a reasonable place to sleep?
  11. Hi, It's been a while, haven’t been well for some time due to issues that occurred in a previous (recent) thread of mine, but after a year I’m starting to come to terms with what happened although I have been left in a financial rut. (I am not entitled to compensation so I thought about selling my story but don’t know how to go about it) Recently Wonga, and two MMF entries have now disappeared from my report I decided to check my Exp report and see how I really do stand financially since the "Great Advantage Finance Escapade" and forking out £3,500 for legal fees last year. My Current Credit Score 620 – This was below 400 last year:-) The total balance of the defaulted accounts is £5,742. – This was nearly £9k last year This is made up of 2 x Mobile Phone companies – Will drop off in less than 6mths, 1 x Catalogue – Going through a PPI claim (it’s a hell of a lot more than the default:wink: ) and the following that I have concerns / require advice on: 1) Instant Cash Loans Ltd T/A Payday UK: Account Started: 25/10/2010; Default Balance: £425; Current Balance: £0 Default Date: 01/04/2011; Last Updated: 08/09/2013 Debt Assigned to CAIS Member: Start date 01/02/2013 2) Lending Stream: Account Started: 28/01/2011; Default Balance: £788; Current Balance: £0 Default Date: 21/11/2011; Last Updated: 15/06/2014; Default Satisfaction Date: 13/02/2014 3) PRA Group: **This Debt relates to the above Lending Stream Entry** Account Started: 28/01/2011; Default Balance: £808; Current Balance: £808; Default Date: 05/01/2012; Last Updated: 02/11/2014 4) CashChoice: Account Started: 29/09/2010; Default Balance: £880; Current Balance: £1,480; Default Date: 26/02/2011; Last Updated: 25/09/2011 5) CFO Lending Ltd: Account Started: 01/03/2011; Default Balance: £940; Current Balance: £930 Default Date: 11/07/2011; Last Updated: 22/03/2015 item (1): I have no idea who these are or who the Assigned CAIS Member is (what is one?) I suppose I don’t realy have to worry about this one as the balance say’s £0 and the last update is 08/09/2013. I would love to know more details about this but I’m worried that it might open a can of worms if I do. Item (2) & (3): I have my SAR from PRA Group – it relates to Lending Stream and MEM. I’m not fussed about the MEM bit as it’s not on the report & they do not have any grounds to chase as no default issued or notice of assignment. (only the Agreement & a crappy excel statement) As for the Lending Stream bit the agreement states the value of the loan was £315. Of which further into the SAR it states £95.50 has already been paid (£94.50 was taken from my account the other £1 for the agreement) & the Default Balance is £808.00, yet the Credit Report says £788. The Default notice stated £347.00 is now due, this is the loan amount + £32 of charges. Surely the default value would have been the loan repayment amount of £409.50? The letter regarding notice of assignment from Lending Stream to PRA Group show’s the contact details on the right hand side as, this is normally Lending Streams – is this a dodgy put together job?. Surely the Lending Stream entry should no longer be on my report as PRA Group are reporting? There has been no Credit search by Lending stream to see if I was acceptable for a loan. Attached is the SAR from PRA Group – notice the Call Times despite me stating no Telephone contact – early in the morning very late at night. By their own admission they’ve proven harassment. Item (4) & (5): I did originally have a thread here: http://www.consumeractiongroup.co.uk/forum/showthread.php?370900-CFO-amp-CashChoice That related to Cash Choice & CFO but got moved all into the CFO section. I have’nt heard from any of these since the posts in the thread above. The SAR’s for both are attached, though CFO’s is less than helpful. Cash Choice – Loan Value £400 yet they are claiming I owe £1,480 nearly 4 times of original Value CFO – Loan Value £375 yet they are claiming I owe £930 nearly 3 times of original Value I cannot see the CFO entry being paid in on my statement for the dates of the agreement (only previous settle loans entries appear). With CashChoice I did speak to a DMC and had been paying them to deal with my debtors.. but I cut all ties with them when balances did not seem to reduce greatly. In May 2013 I received an email stating reduce settlement offer: Balance: £3985.59 REDUCED SETTLEMENT OFFER - £996!!! I did try to resolve the original balance with them (noted in the SAR) and asked to contact a number of times but no one ever came back to me. Also no letters were ever received from Cash Choice. Is CFO going the same way as Wonga over their handling of accounts? Both companies have not conducted any form of Credit Search to see if I was acceptable for a loan of any kind – trust me I would not have been. The SAR's
  12. As I posted. I am not sure if this site is the best place for this sort of thing, but I am hoping to find out more about this so as to try to negate what I strongly suspect will be a contentious time when my mother dies. I live abroad and visited my mother in the UK when she turned 99 last month, as I have done for the last 9 or 10 years. She was pretty healthy last year but has begun to show her great age this year. Although still fairly compos mentis, she has become quite deaf and started to become more forgetful and confused. She can still get about somewhat but is now also very slow and needs help. Due to her confusion, she has invoked a pre-2007 Power of Attorney she made in 1992 so that my younger brother will be taking over her financial affairs, and I have some concerns about that, but I am 6,000 miles away and he is 10 miles from her, so it is reasonable that he takes over - with some scrutiny. However, it is his impulsive and thoughtless nature (and other issues) that he has displayed for years that concerns me and his conduct after she dies. He finds her an irritation and has voiced many times that once she dies, he will just 'go in with a skip and chuck the lot and be done with it'. As we are joint executors, we have a duty to do things properly and realise what we can for her estate (which won't be a lot) but he has refused point blank to make any contingency plans for when she does die, despite me suggesting it a number of times. Nor will he discuss anything and just shuts down, even switching off the phone mid-conversation. He just says 'I'm not doing anything and I'll deal with it all when the time comes'. He forgets there are two of us involved. This is all to do with deliberate stubbornness and not emotion about her impending death (which will be within 18 months, I suspect). As he has said many times, he would like her out of the way as he sees her an encumbrance. I'd like to be able to be prepared for any future problems, so if there is a way of discussing them on here, or a more appropriate site, perhaps other members could point me in the right direction. Thanks for reading.
  13. Hi, new member here. Looking for advice on an issue with a garage that I've posted about. Looking forward to some help!
  14. Hi Guys, This is my 1st Post so not sure what the rules etc are. I am 25 years old and had unfortunately fallen into the trap of gambling however I have recently (2months back) started GA. The good news is that I have not had a gamble since starting the programme however the bad news is the large amount of debt it has left me in. Whilst gambling I was applying for payday loan after payday loan desperately trying to find the funds to continue with gambling. I was allowed to get payday loans easily to feed my addiction. At one point I believe I had 7 payday loans from different companies at the same time. I have paid off many payday loans however there are many that have now been sent to debt collectors. Is there anything I can do??? Any comments will be greatly appreciated - Cheers for taking the time to read
  15. Our car was clamped last week. The agent said we had 7 tickets and everything had been through court. We had NO IDEA of any of this. car still registered at our old address (we moved 3 years ago and post not forwarded after initial 3 months) so maybe this is all true. We paid £500 to have the car un-clamped and was told this covered ALL 7 actions. They promised to send through list of all tickets. But did not. I am complaining about this. My question is: I may well have 7 tickets (but from various jurisdictions - congestion charge, speeding, parking etc. how do I know? Is there a central register? Any other ideas? How do I know I will not run the risk of clamping every time I go out in the car? Clearly if I had known of the tickets I would have paid (or challenged) at the time. And having no notice, when we failed to register the car at our new address, is no defence? Thoughts?
  16. Hi-a company has essentially not paid £300 of mine. I recently sent a final demand letter via tracked post and i can see that it was not sign for at the other end, it is actually being sent back to me. They are also not responding to emails although they were responding before. Can someone please tell me how i would go about suing the company. thanks!
  17. In May 2015, I started a thread on this forum regarding a debtor (Mr OR) who had followed advice from the internet and had issued an injunction against a local authority after his vehicle had been clamped by a bailiff. The debtor considered that his vehicle should have been exempt as it was subject to finance. Unfortunately, his injunction failed as the Judge ruled that there could be a ‘beneficial’ interest in the vehicle. Mr OR was ordered to pay the local authorities costs of £3,200. This was in addition to his own costs (the fee for the injunction alone was £395). A link to this popular thread is below. So far, it has received almost 13,000 views. http://www.consumeractiongroup.co.uk/forum/showthread.php?445251-Goods-on-HP-a-Judge-says-they-can-be-sold(1-Viewing)-nbsp In Sept 2015, I started a similar thread on here to warn members of the public that if they have a vehicle that is subject to finance, they need to ensure that they provide evidence that there is no ‘beneficial interest' in the vehicle. Even that thread has received almost 6,500 views !! http://www.consumeractiongroup.co.uk/forum/showthread.php?451273-Vehicles-on-HP-can-be-sold-by-a-bailiff.-Evidence-must-be-provided-that-there-is-no-beneficial-interest. Unfortunately, a couple of months ago, another debtor (Mr MH) also issued an injunction to prevent an enforcement company selling his vehicle (a mini cab). This vehicle was also subject to ‘hire purchase’. The difference with this case, was that the ‘value’ of the vehicle was approx £14,500, and the amount required to settle the obligation under the hire purchase contract was just £6,300 (leaving an ‘equitable interest’ of approx £8,200). The debtor lost his case in court on 16th August. He was also ordered to pay the local authorities legal costs of £3,400. He was refused permission to appeal. Neither the debtor or his legal representative have made an application to appeal and accordingly, given the importance of this subject, the enforcement company have given me permission to provide an outline of the case in the hope that it may help other debtors to avoid making the same mistake. PS: I will not be giving the name of the debtor, the local authority or the enforcement company. The facts of the case are all that is important.
  18. Hi all I need some advice on an issue that I have with Sixt. I will put in all events to hopefully give the full picture. 15th Feb hired a car at my local Sixt car hire office for 24 hours. No excess waiver taken On checking the car with the employee I noticed some scratches on the front reg plate and bumper. I was told that these slight scratches did not count as damage. I signed the employees pda computer and was given the keys. No paperwork except the reciept that I signed in the office prior to going to collect the car. I did not have a camera to use at the time. The car was due back by 11am on 16th Feb 2017. As per agreement I parked the car outside the office at around half midnight on the 16th Feb and dropped the key in the 24 hour dropbox. I checked online and noted that the car was checked back in at 7.07hrs. I understand that I am responsible for any damage until it is checked in. I had to go to the office later that morning to resolve a separate fuel issue. The employee who checked the car in, informed me that he had to drive the car to the petrol station to put more fuel in. He was speaking very candidly with me. No mention of anything wrong with the check in. 5 days later I get an email stating that the car has new damage and I am liable. Upon investigation, I find out that the damage being refered to is the same scratches that were there already. After multiple emails back and forth. I have denied all liability. My reasons are as follows: 1) The damage was already there. I informed the employee before taking the car. As per terms and conditions. 2) The photograph taken by Sixt was taken later on that day, after the car had been moved. Even though the damage was there, any new damage claimed could have been caused after the car was checked in. The car was parked in a way that a picture could have easily been taken where I left it. Why wasn't it? 3) Lack of consistency of the employees. The state of the car on check out was described as slightly soiled interior and exterior. On check in the state was described as clean. This could be the exact situation with the scratches. One person says it's ok, the next say it's not. This is obviously what has happenned. 4) I've been sent 2 different invoice amounts, 354 and 360 pounds. On one of the invoices it details labour charges and specific time spent on the repair. When I checked the car after the invoices were produced, the repair has not even been carried out. 5) In one of my emails I suggested that Sixt give customers a sheet of paper that shows a diagram of the car and any damage no matter how minor. This would avoid any confusement in the future. To my amazment one of these sheets was emailed to me with my signature on it. I have never seen this sheet let alone signed it. I feel that this could be classed a fraud. 6) The pictures of the car that Sixt produced showed extra markings that seem to have been added for the picture. I'm not sure if these were markings to point to the scratches or simply to make it look worse. These markings are not there now. All in all I feel that they are trying it on with me. I have invited them to take me to court. I recieved another email today stating that as we are getting nowhere, they have no option other than to refer the case to their legal department, unless "we can come to an agreed settlement" . I feel very suspicious about this. If they are adament that I am liable, why would they want to reduce the charge? You opinions and advice would be very welcome. Do you think I should let them take me to court?
  19. Hello all I'm going for my first signing on JSA after many years. I remember previously I had 3 different types of job titles that I was looking for - eg, care assistant, sales assistant etc. I'm wondering if that's still sufficient or is there a minimum number I need to list? I just want to know what I should expect really - bit nervous. I've been told to bring in my CV (haven't signed up for UJ) for my first interview - should I have it redacted? I'm very privacy conscious and I've read how very little I can trust the DWP with anything. Thank you - appreciate any guidance
  20. Hi all, I went to re-tax car after 12 months tax was due to expire, only to be told that although tax had been purchased on 25th October 2015, that they had back-dated this to the beginning of October. Not very pleased about this since I have effectively lost almost a month of tax! However DVLA clearly don't care, and I imagine they make a lot of money off this discrepancy when a car changes hands. luckily we had not been stopped during those 24 days that I thought we were covered. When I rang the DVLA though, it turns out that the reason they had not sent any reminders at the right time, and that I had been left to remember the date myself, was that they had not received the new keeper supplement from us via the post, and therefore did not have our details as the new keepers. They had apparently been informed that the car had been sold by the previous owner at the time. We had given the old owner our details of course, but this information at least is not on DVLA database relating to our car. I was wondering though since we did send it a while back, are there any penalties for this should we get stopped by the police in the meantime? I did at some point phone the DVLA about the new log book, but back then they said that sometimes it takes a while to process, so ultimately I let it be and did not chase it again. I am really not happy that the DVLA have washed their hands of the matter and simply say that we will need to get another form and pay an extra £25 since they or Royal Snail have lost the original form. Is there any comeback on this, or would I need to have proof of posting or 'signed for' proof to qualify for any redress? Also out of interest since it didn't happen to us, if we had been stopped during those 24 days of backdating, would there have been any way to avoid a fine/car getting impounded etc? I have looked carefully at all the email and online notices of vehicle tax/proof of payment that I made copies of at the time , and it at no point says that it was only taxed from the beginning of the month! It clearly says 12 months tax from 25/10/15. Thanks
  21. Hi, Firstly thanks for all the help and advice in the past, I have donated previously to help keep this fantastic resource continue it's good work. As the title says I was caught on speed camera on the M25 a few months back, I immediatly pleaded guilty as I knew on that day I was over the speed limit ( I am shocked by the amount though). You will read from my letter below why I was speeding, as I say in the letter it is no defence and completely agree it was wrong, it was the first time in years I had forgot my son's vital medicine, two large mistake's in a day - which is why I held my hands up straight away, as mentioned in the letter the road was completely empty, it was near midnight and the weather was good and clear - again I realise it's not up to me to judge what speed is safe in those conditions. My concern is we are away for two weeks starting on the court day, in the requisition pack I received a yellow form saying there's no need to attend court when pleading guilty, I tried to plead online the day we received the pack, unfortunately the gov online system is not working for new cases as it's a new system, I called the number, the receptionist took my details, name, case number and told me to return the forms by post, I have filled in all paperwork and the income questionnaire and supplied proof that we are away and that my son does indeed have this disability, also proof that we had attended the London event and based on the camera time it showed that we did indeed have to leave early. I have a full clean license for nearly 30 years only ever having a past SP30 some ten years ago for 35mph in a 30 zone. I dont want to court to think I'm showing any disrespect by not attending. is there anything else you think I should do? I have included the letter text below (will get the wife to check grammar and spelling before sending) which I was going to include with my plea: I am writing with regards to the charge of driving at a speed exceeding 70 miles an hour, I wanted to ensure the court was aware that I immediately completed the first form which was addressed to my wife, I notified Kent police that I was in fact the driver and pleaded guilty to the offence, upon receiving the written charge (26th July) I tried to make a guilty plea online on the same day – having received errors online and speaking to the plead helpline – I was informed there where problems with the computer system and that my case number was one of the one’s that wouldn’t work, I left my details and have made my plea direct as enclosed. We received a court date of 8th August, My family and myself are away for two weeks starting from this date, Our relatives and helped us take this break, This has been booked for over 6 months, I have enclosed proof, I wanted to make it clear to the court that my non appearance should not be seen as any lack of respect for the court or a sign that I do not take this offence very seriously. I am a family man and have never been in trouble with the police before, I have a full clean driving license and this serious offence has brought great shame on myself which indeed reflects on my family – for this I am truly sorry. I am fully aware that this serious matter could lead to a driving ban, I am prepared to accept the courts decision and agree with what ever punishment is imposed, I have included my drivers license and even though away will not drive until I receive the courts verdict. I am shocked at the speed recorded, I know it wont help my case but I wanted to let the court know that I was aware that I was over the speed limit, I honestly didn’t realise it was by that amount, I mentioned my children, My son George received tickets to a wrestling match at the 02 arena, it is the second time just father and son have been out without the rest of the family, he has a growth disability (endocrine system non functioning purity gland, he is just one of 50 children in the UK to have this problem) every day for 16 years he has had deep tissue injections and has to take hydrocortisone tablets twice a day, the last time he missed tablets was 6 years ago and within an hour of felling unwell he was taken to East Surrey hospital where he was taken directly into intensive care, We never miss this daily tablet, George realised later during the show that he had not taken his tablet and that we didn’t have any after leaving early from the performance we also didn’t have them in the car, again this like the above offence is totally irresponsible on my part, we immediately headed home after George started to panic, my wife drove towards us and we met at junction 5 the junction after the offence took place, this is not meant to be a defence, I understand what I did was wrong, as you can see from the pictures provided, the road was completely empty and the weather was fine, dry and clear. Finally, I feel I let my family down twice on this evening when it was supposed to be a celebration, I can assure the court that this will not happen again, and I apologise to all concerned. I am willing to attend the court directly after our return should I need to to accept a ban, I will also pay the court courts and fines as soon as we return on 23rd August. Mr xxx Offence: on 18/04/2016 drove motor vehicle on a motorway at a speed in excess of 70 mph - speed recorded by means of HADECS 3 was 100mph. I am not looking for any get out's - I just want to ensure I provide the details the court requires. Thanks.
  22. i have been dealing with housing options as well. this is about my landlord misleading me from the start with fraudulent tenancies. ie 1 making me pay a bond and months total £600 for my own tenancy in a two tenancy house 2 making me sign and witness the other tenants tenancy and £600 when, in actual fact, he had not paid a bond or months rent at all. i was told this three months later by the landlord in a recorded meeting 3 the landlord did not protect my bond and as a result of this, I am in a horrendous position 4 the landlord returned my bond 2 months after i paid it and then claimed that the tenancys signed were now actually a single shared tenancy 5 making me responsible for the other tenants debts 6 the landlord is now lying to the court in claims against me which i want to defend 7 he has mislead the court about arrears (that i was not in) etc etc housing options have applied for legal aid on my behalf. legal aid said i should apply for legal help but housing options applied for more legal aid and were granted full aid they say the notice the landlord gave me is wrong but they dont seem at all interested that the landlord commited fraud in the creation of the tenancies and the way i see it is that housing options are assisitng the landlord in misleading the court because if the tenancys were fraudulent, the landlord should be being investigated and housing options should be challenging the landlord about this and disclosing this to the court in the public interest. i believe when looking at the solicitors code of conduct, that fusion housing should be looking into this and not just seemingly trying to process me into alternative accomodation i asked fusion housing for a copy of the court bundle documents and have been told that i will need to make a data subject access request that will take 40 days to process if i want to see my own court documents. this is unhelpful as i am due in court on september 5th, in a couple of weeks. i would like to withdraw my permission for them to act for me and i would like to represent myself in court i need to make a notice of acting in person letter but am unfamiliar with the correct procedure to follow i understand the court can only allow me 40 or so days extra in the house. but really i want to defend the allegations the landlord is making against me. i have a solid defence fusion housing have said that i dont need to defend the landlords POC. as far as im concerned they are his particulars of claim and if i dont defend them i am allowing them to be on the court record. i really dont feel comfortable with the way this is bieng handled and the way housing options have seemingly taken over and are proceeding with my case i am alarmed to see that the solicitor is earning between £56 to £200 + an hour. i have no idea what they are doing with my file or what is happening i have asked to see my file and am now asking for a copy of the court documents. both are not forthcoming. any help or advice would be very much appreciated. housing options have applied for legal aid on my behalf. legal aid said i should apply for legal help but housing options applied for more legal aid and were granted full aid they say the notice the landlord gave me is wrong and that they will be representing me at court but they dont seem at all interested that the landlord commited fraud in the creation of the my tenancy. i find that alarming i understand the court can only allow me 40 or so days extra in the house and am desperately looking for alternative accomodation. fusion housing have said that i dont need to defend the landlords POC. as far as im concerned they are his particulars of claim and if i dont defend them i am allowing them to be on the court record. i really dont feel comfortable with the way this is bieng handled and the way housing options have seemingly taken over and are proceeding with my case i am alarmed to see that the solicitor is earning between £56 to £200 + an hour. i have no idea what they are doing with my file or what is happening i asked fusion housing for a copy of the court bundle documents and have been told that i will need to make a data subject access request that will take 40 days to process if i want to see my own court documents. this is unhelpful as i am due in court on september 5th, in a couple of weeks. can i do an acting in person letter to the court and charity and get some control back over my file? how many sets of wet signatures should there be when signing one contract? I am asking this because my landlord says there is only one contract attached to this house. when i signed my contract, i was lead to believe that the other tenant had a contract as well as me. both contracts were signed and witnessed. the landlord took them away to copy them i would have thought that if there was only one contract then there should be only one set of signatures there is something wrong here as there are now three copies of signed tenancies. each one has a different set of signatures. the landlord has them all but I have copies. I dont remember signing 3 contracts and my signature looks very odd in contract 3 ( which the landlord has submitted to court as the main contract) the reason i think there is something wrong here is because each one shows that a bond and months rent of £600 were paid at the signing of the tenancies and each one has been signed separately. it is clear to see as the signatures are not identical, so there were different tenancies that were signed does that mean these tenancies say there was 1800 paid to the landlord at the start of the tenancies or just £600? is this one tenancy or three? when i signed my tenancy, i paid £600.(bond and rent) the landlord now claims that there was one tenancy and that it is a joint tenancy when i signed my tenancy, the landlord and other tenant lead me to believe that he had paid £600 as well and i was asked to sign and witness his tenancy. i found out three months later that the other tenant had not paid anything at the start of the tenancys and i have been mislead from the start the landlord returned my bond after two months and did not protect it. when i gave it him back he tried to say he wasnt taking a bond and the £300 he took back was for the other tenants rent but later changed his mind i believe at that point the tenancys were changed and bonds altered , i became liable for the other tenants debts the other tenant had lived here for a few years before i moved in there was already a bond on the house when i moved in. the old bond was then repaid to the tenant after i moved in even though the tenant was in arrears and there were outstanding repairs when i moved in. when i signed and witnessed the new tenancys the tenant did not pay a bond or months rent but i was lead to believe he had by both of them because they had filled the tenancys to show he had paid £600. in reality, the other tenant was in debt at the start of the new tenancys and they had both lied to me now the landlord says it was just one tenancy and we are joint tenants and he wants his house back if it really was one tenancy why are there so many versions and why was i the only one who paid anything? i feel i was used from the start to get the old bond returned to the old tenant so that the landlord could get him out. the old tenant is heavily in debt and has made no attempt to pay rent or bills. the landlord has allowed this to happen and made no attempt to rectify this. i have been paying my rent and was paying the bills ( his debts!) although i cant access data about the accounts. the bills were in the other tenants name before i moved in. the landlord didnt change this. i believe there were already debts before i moved in and this is why they stayed in the old tenants name. the landlord has been free to manipulate all this and i am finding it difficult to get help or advice regarding the validity of the signed contract or contracts and i am confused as to where i stand. i realise the landlord can ask for his house back at any time but i think the way this has been done is very wrong. i would never have left my old home to be on a joint tenancy anyway and especially with someone who was already in debt i have repeatedly tried to discuss the tenancy, rent, bills and bond with the landlord. i started recording the visits. the landlord was doing monthly inspections and coming without notice. i was being bullied by them both. here is an extract of a recording of a visit without notice from the landlord where the bond was discussed. when the landlord gave me the £300 bond back in january, i gave it straight back to him. he took the money away but did not leave a reciept. I paid my rent into the bank a few days later. (AA is the landlord, AR is me.) ....... AA this is what I'm gonna do right, this is what I think should happen, yeah? So this £250, right, that you already put in and this £50 AR £300 AA is £300 right. By all rights yeah That money is next months money for you, yeah AR or my bond AA I'm not taking a bond. I cant take a bond right. You have a month or two months I think under the - that's why within two months I came to see you before the end of two months AR two months? You've 14 days to pay the bond in AA right so AR to the bond bank, but you didn't tell me for two months AA. yeah so it didn't happen. Yeah AR I could have got somewhere else AA yeah so it didn't happen, right but just hear me out here yeah? Look, I couldn't put it into the bond account because Mark, yeah ? Rightly or wrongfully, wrongfully, he didn't give me the money yeah? So that's why I said, sod it, give it back. There you go yeah? So the bond is, is, forget the bond, I'm not taking a bond off ya. like I says to ya, here, you know, foolish me or whatever, but, you know, I think that's my perogative" here is another extract regarding the bond .......... AR ...so had that tenancy ended then? AA it abso.., yes it ended, yeah. That's why you signed a new tenancy agreement with Mark AR Right, but why did only me have to pay a bond? AA right so you both had to pay a bond but unfortunately Mark was in rent arrears and he didn't have no money to, to, to kind of pay the rent or the bond money so that's when, remember when you? We, we, we took down, you gave me half of the bond money and to which later on I, I, I just gave that back to you because obviously it was quite clear Mark didn't have the money to pay the bond money so we gave that back" I feel that they have both really taken advantage of me and the whole thing about the tenancys and bonds is causing me great distress. I am trying to fully grasp what is/has happened here and how it will affect me.
  23. As I'm nearing to my last year of my loan. I just thought I take a closer look at my statement this month. OH MY WORD! I took out a £20k, 108 month secured loan on my property in Oct 2007. Up to now, I am up to date. From 2007-2011, on 4 occasions I made late payments. Some arranging from 4days-2 weeks late. From Feb-Dec 2012 I lost my job, and fell into arrears. But within that period, I managed to make 4 payments which covered 4 months. And because I was able to find a new job, in December I paid off the remaining arrears. Since then, I have never missed a payment and my account is up to date. on checking my statement, and balance. I was assuming my balance would be near the £3763.68 mark (12 x £313.64) as I have 12 months left. But to my astonishment and disgust. My balance is showing: Balance Outstanding: £7954.99 Repayment Administration Fee: £195 Total Redemption Figure: £8149.99 Cost & Charges: £1570 Buildings Insurance Charge: 959.18 I rang them up, and told them to send me the breakdown of charges and fees. They consist of: Building Insurance - £959.18 Building Insurance Block Policy Charge - £130 Dishourned Reciept Charge - £35 x 5 Letter - £30 x 5 Collections Telephone - £35 Monthly Charge Arrears - £42 x 13 Visit Costs - £100 Land Registry Priority Search Legal Charge - £6 Land Registry Office Copies - £4 x 2 (on the same date?!?!) Issue of Possession - £49 Online Issue Fee - £100 Court Preparation Fee - £57 Legal Costs - £162 Can someone please help me. Is this even legal? And what is this charge I have for Building Insurance/Block Policy Charge. Even if I minus all the fees/charges. The balance does not even add up to the 108 month loan agreement. Any help would be great and much appreciated.
  24. Have you received any kind of communication asking you to make contact because there is a parcel for you - or for some other unexplained matter? We would like to know about it. Such contacts are illegal under the FCA conc regs - specifically - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers Here is an example of card left by APS. It breaches FCA regulations in a number of ways. We would be very interested to see other examples of this kind of contact. Please post up your letters, cards or other examples in this thread Please note that we are talking about debt collection messages here. Not viruses or spam
  25. My landlord has submitted a claim and now I have a form for defense. I have been abused by the landlord over 4 years and last year I finally managed to have the council serve a notice for repairs which were done in the worst manner possible. I know the following: 1. I was never given details of my tenancy deposit being protected until now where I have seen them for the first time 4 years on. 2. The name on the claim form for the landlord is the wrong surname 3. The council requires a landlord to have a licence prior to submitting a section 21 and this was not done. 4. The court application for possession was made prior to the end of the fixed term of the assured shorthold which is June 29th and this was submitted on 26th May. 5. The second landlord (as there are two), does not reside at the address stated on the claim form. There are two boxes for two people and the second one is blank. What about issuing a counter claim for breach of contract under the Housing Act and Landlord and Tenant act for failing to carry out repairs once being notified in reasonable time for a period for 4 years? When would one submit this claim as a counter or is that done as an entirely separate matter in the courts? Shall post in 2 seconds.. uploading now here are the claim form pages Will make into a PDF. two secs Ok attached attachment.pdf
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