Can insurers take the excess twice for the 1 claim? I have queried a settled claim and the insurers have decided to pay me a 2nd payment but deducted the excess again. I thought they could only take it once.

On the 19/04 I transfered the above amount from my barclays currant acc to a building Soc in my name. The site was running VERY slow and I pressed send but nothing happened so I pressed again and then a message came on screen not to press again. I then found out that 2 withdrawels had been made instead of 1. I contacted my Build Soc who confirmed they only received 1 payment, so I mailed Barclays who are just fobbing me off and saying to contact the payee (who is me) despite telling them numerous times that I was the payee etc they still fob me off saying they cannot do anything alse! The £58.90 is obviously swirling around in their system because of their SLOW site that malfunctioned Please, please can anyone help it feels like I'm on a roundabout and cannot get off!!!! Thanks

Received 2 NIPs from different police forces after being caught by speed cameras, one in one force area, the 2nd in another force area. Was continuing a journey on the same motorway in the middle of the night, temp roadworks - unmanned - speed not excessive but over the limit, but each one was within the speed thresholds. One force offered me a speed awareness course, but the other refused and instead issued me with the more severe *Conditional Offer Of Fixed Penalty*, i.e. £100 fine plus 3 points. I did the course, cost me £76. I contend that the other force should not have issued me with the conditional fixed penalty and that both offences were only seen as separate because - unknowingly to me - the 2 speed cameras were in different force areas, even although I was still on the same motorway. Seems excessive punishment and a technicality is being used in order to deny me another speed awareness course offer, i.e. that only one can be done every 3 years. I've checked all the guidelines and the force in question has apparently breached them. I now stand to get a court summons because I've refused to accept the *COOFP* and would claim that both offences should not be separate but ought to be seen as one only. Seems like they want two bites of the same cherry? A tricky one where it seems as if their guidelines can't cope with my circumstances, so instead of either treating them as a continuation of the first offence, or taking no action, they seem hell bent on prosecuting me. Any thoughts ??

Dear all, I have parked on 30th of March 2017 in Napier Parking in Milton Keynes and after carrying out the first transaction I saw no ticket coming out of the machine to display on my dashboard. Straight away and to make sure I paid, I made a second attempt and to my surprise I received two tickets, which means I have been charged twice. I didn't hesitate to e-mail Napier parking with pictures of my tickets and all I have received as a response is that it was my fault for not looking properly for the first ticket as according to them the machine was working perfectly, and no refund will be made. It was an all day price of £8, so I ended up paying £16. I feel ripped off and have already raised it with BPA (British Parking Association), but I am open to any advice. Thank you, Veganfluff

Hi All, im looking for advice. On Monday 13th March a bailiff came to my door saying he had a warrant to enter and search my home with the intention of removing goods. I asked him why and was told that my son had an outstanding court fine for running a red light last summer some time and that it had not been paid so he was here to collect the debt in full or recover goods to the value of. He said he had a locksmith, removals van and the police on route but if I let him in peacefully and paid the outstanding amount he could cancel the police and locksmiths presence. I refused and said I would try to get hold of my son but he said it needed to be paid straight away and said if my son or myself could not the full amount of £561 within the next 10 minutes he would proceed with forced entry. After 15 minutes of trying to reason with him whilst also getting my granddaughter ready to go out and get my nephew from play school I said that if I found him in my house when I got back that I would call the police myself. Eventually he left leaving a card that said notice of intention to enter @ search your premises -removal notice and told me to ring him later that day to arrange payment. I told my son all about this later that evening and he says he knows nothing about any court fine and has not received any letters r notices in the past. On my return from the play group I did some research on line and found that he did have the right to force entry and remove my goods unless I could prove none of it was my sons, I tried to message him to find out which court the fine originated from and the exact date of it. He didn't reply. He came back yesterday morning with the same intention of removing goods, bringing a van, locksmith and police but this time he was able to get hold of my son on the phone and insist he pays the debt there and then or he would again proceed with entry. My son said that he had no knowledge of the debt, what it was for or when it was issued but to keep the bailiff away from my door he tried to negotiate a payment plan of half today (yesterday) and half next Thursday. This was refused he told the bailiff he would get back to him. The bailiff left after 10 minutes but said if the debt was not settled by 8pm he would be back before 9pm. Later my son told me that he had phoned the court and find out what he could do, he was informed that as he had no previous knowledge of the fine that he could apply for a statutory declaration and have the case reheard if he pleads guilty. What can I do in the mean time to stop the bailiff entering my home and taking my possessions whilst waiting to get the declaration and the court date. The bailiff as informed of my sons plan of action but insists he will be back today at some point to make an actual enforcement as he has already wasted 2 days here. What am I to do, im at my wits end, I have my 2 year old granddaughter here during the day and my 27 year old son who has a severe learning disability. Can some please advise thank you

Summary : I had been to a Car park which is adjacent to Rail station to drop by wife. There were road construction, and for safety reason I decided to pull the car into a Car park, and left the site in less than a minute. Exactly, at the same time, I been again to the car park, and left the site in less than a minute. The Car park has issued a Parking charge notice by picking up images of entry on day1 and exit on day2, claiming that my car was parked for 23 hours and 59 minutes and did not pay the parking charges. Parking Charge Notice issued by private car park accordance with the BPA code of practice 1 Date of the infringement - 1st dec 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 10th Jan (after 40 days of offence) 3 Date received - 13th Jan 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] no - it was accordance with the BPA code of practice 5 Is there any photographic evidence of the event? Yes - Entry image of Day1 and Exit image of Day 2 6 Have you appealed? {y/n?] Y – I said the fact as what happened. And also acknowledged that I was the Driver. Have you had a response? The response dated 25 Jan was very simple - Having carefully considered the evidence provided by you, we must advice your appeal has been unsuccessful on this occassion 7 Who is the parking company? APOCA 8. Where exactly [carpark name and town] Slough East Car Park, Slough For either option, does it say which appeals body they operate under. – Yes POPLA. I appealed with Popla on 8th Feb, and they have rejected on 8th Mar saying “In terms of the technology of the ANPR cameras themselves, the British Parking Association (BPA) audits the ANPR systems in use by parking operators in order to ensure that they are in good working order and that the data collected is accurate. Independent research has found that the technology is generally accurate. Unless POPLA is presented with sufficient evidence to prove otherwise, we consider the technology was working at the time of the alleged improper parking. Based on the evidence provided, I can only see one entrance and one exit for vehicle registration X. Therefore, in this case I conclude that the charge was issued correctly.” In addition I’ve raised the following points: “I gather that the Parking Charge Notice issued to me on 10th Jan (Notice to Keeper) does not comply the following: 1. The period of parking to which the notice relates to (POFA 2012, Schedule 4, paragraph 9 (2) (a) ), is missing from the Parking charge notice issued on 10th Jan, later this information was provided to me in the rejection letter 2. The deadlines by which the Notice to Keeper must be served, which differ depending on whether or not a Notice to Driver was issued first (paragraphs 8(5) or 9(5)) – the Parking charge notice was issued to me (Notice to Keeper) after 40 days. No notice was issued at the site. 3. Automatic number plate recognition (APNR) - Quality checks: before you issue a parking charge notice you must carry out a manual quality check of the ANPR images to reduce errors and make sure that it is appropriate to take action. In this instance, basic checks are missing.” they responded saying - I note the appellant’s comments however, the appellant has admitted to being the driver of the vehicle on the day in question. As such, the operator does not have to rely on PoFA 2012 to transfer liability from the driver to the Registered Keeper. Therefore, I do not need to consider whether the operator has met the requirements of PoFA 2012. I also mentioned that “In case, my appeal is rejected then it will be helpful if I can be provided with the evidence that my car was in the car park for the duration mentioned in the appeal rejection letter, the car has not left the car park on 1st Dec and entered again on 2nd Dec. There are several cameras at the site to make the car secure that can help to produce more evidence.” - No response I did attached my credit card statement that contains a transaction dated 1st dec that I been to Tesco Petrol station at Hayes around 8:20am but unfortunately, there is no time in the statement. in addition I attached the rail ticket credit card payment ticket for both the days, but again it was my unfortunate that the print on those tickets is missing the time of transaction. I picked my wife and her colleague from the Ealing broadway station on the same evening and can provide witness statement / contact details for verification. POPLA ignored all the evidence I attached to the appeal. It is very disappointing to see that these companies are making individual life so miserable, I've already spent more than a week since 13th Jan to understand and educate myself so that I can prove that I did not park. I would like to check is there anyway I can raise this complaint with APOCA, POPLA, ISPA and BPA. also, what else should I do so that they don't send me all those unwanted claim letters. It will really appreciable for your suggestions and thank you in advance.

THOUSANDS of British Gas customers may have had direct debit payments taken twice following an IT glitch. British Gas told The Sun online that less than 1 per cent of customers were affected by the problem. It supplies gas and electricity to over 14million homes, meaning some 140,000 customers could be affected by the fault . A British Gas spokesperson confirmed that a “small proportion” of customers have had direct debit payments twice and that any money taken in error would be refunded. https://www.thesun.co.uk/living/2262624/british-gas-takes-direct-debit-payments-twice-leaving-customers-out-of-pocket/

I recently received a Vanquis credit card, to help build up my credit, & also to help out during Christmas. My minimum payment was due today(28/11/16), I have already paid Vanquis twice. Once on the 10th of November & again on the 23rd of November. A refund of £28 was also paid on the 24th of November. I don't understand why they have tried to take money from my bank account, when I have already paid them twice in one month. I was told that I can make early payments, & I am aware that I have set up a direct debit for Vanquis. They have tried to take a DD of £20 from my bank account, which has now been returned, because I didn't have sufficient funds in my account. does this mean that it doesn't matter if I make a payment early to Vanquis & I will still be debited on the same date as every month? I thought I was doing them a favour too, & in the end they have charged me a fee for not paying them on the intended date! There's a flaw in the plan man!

Hi all, At the beginning of this month my partner and I took out a policy for both our vehicles (Multi car policy). Partner's van is insured with another company and that runs out on the 14th of this month. He phoned to tell them not to renew it as we are insuring elsewhere. The reason we did this is because my insurance ran out and so we decided to shop around and we found it cheaper to insure on a multicar policy together. I'm now wondering if it's legal to have the same vehicle insured by two companies? As the van is technically still insured until the 14th of this month. New insurance company wants proof of no claims and proof of cancellation with previous insurer, so I'm a bit worried.

Hello all, We have submitted a defence and then received the DQ. This was returned to us as invalid due to my partner filling it in and asking me to deal with it on her behalf. We have resubmitted another one and they have rejected this as the surname is different to the claimant. We are married now so my wife is using her current name, they wont accept it as the claim in in her maiden name. Can they do this? I feel like they are doing it on purpose because now we are over the 14 day limit to have the DQ filed.

A week ago I ordered a new Bosh washer from AO with next day delivery. From the first use it was obvious that something was wrong with it , it was making a very loud and not normal sound every time the drum was turning. I contacted them and they said I had to contact Bosh and use the guarantee to get an engineer to visit . At no point accepted themselves any responsibility as a retailer. The engineer confirmed straight away that there was a fault so I got a replacement. AGAIN from the first use there is the same and even louder noise. AO refuses to refund /replace without an engineer to visit again. They say that they have to make sure there is a fault and they treat me like an idiot as I wouldn't understand the noise or as I did something wrong with the installation. I said this is the SECOND time the same thing is happening and you confirmed the first time with an engineer that is a fault why do I have to go through this again? Citizens advice advised me that they are obliged to refund /replace as the washer arrived with a fault but AO replies that *citizens advice would advice me to my benefit but this is not how things work*. So TWO washers WITHIN A WEEK WITH SAME FAULT and AO still insist on engineer visiting first. All this is very annoying and inconvenient for me as I had to stay in waiting deliveries/ engineer , I still have to wait another engineer , spend hours on the phone with AO and Bosh and i still do not have a proper working washer.

Hi there looking for an answer to a thing that's bugging me slighrly I last claimed JSA from April to September last year when I was made redundant. I picked up some contract work for a few months then in the new year decided to take some time out to work on some private projects. I made a new claim online for JSA recently and received a letter yesterday saying I was eligible for payments until October. Slightly surprised as I've read you only get 6 months maximum for two years of ni contributions. Job centre lady more or less told me not to question it when I went for my interview Any experts out there that can give me an idea of whether this is abnormal or whatever

I applied to Littlewoods Catalogue via an application form way back in the 1990's. Although I have just a small debt of £160, this is now included in an IVA. The IVA has been enforced since June 2012; I've had no contact with Littlewoods since the IVA was granted. I wish to seek under I believe a section 75 request to see if there is any actual credit agreement with the catalogue company. The debt is still listed with Littlewoods and does not appear to have been sold on. Can anyone please provide me with template letters? Thank you.

My dad has received 2 parking charge notices through from Smart Parking, he's the registered keeper but I drive the car! I parked in a retail car park on two separate occasions both times it was at night, they've taken pictures of the car entering and leaving the car park, and they have charged me £50 on both tickets and after 14 days it will go up to £85. I need a bit of advice on what I should do? I thought about ignoring them but because I have 2 tickets would they be more inclined to take me to small claims court? or should we appeal and state that we are unsure of who was driving and fingers crossed they cant zoom in on the picture and identify who was driving the car? (the pictures aren't great as it was dark on both occasions) I've read so much about private parking fines and how they are not a legit legal fine from police/council or whatever so dont want to pay both the fines if i could potentially get away with it! I've had a look on the BPA website and i think they are an approved company but I've never had a private parking notice before... definitely not 2 in the space of a week! can anyone advise?

Hi everyone. Ordered asda groceries as always, they didn't turn up yesterday. 40 minutes later I rang up they said they said it had been cancelled reasons unknown. They promised the local store would ring me back to try and squeeze it in that day, as payment had gone through. Checked online banking and confirmed they had taken payment. Didn't ring me so I rang them, they apologised, said they would send shopping tomorrow. Got shopping today, however they have taken money a second time. Delivery driver said loads of orders got cancelled yesterday for same reason. Phoned asda, they said if I get the authorisation number and fax number of NatWest, they will fax them so I can get an instant refund. Otherwise the money is held temporarily for 7-10 days. NatWest gave me the authorisation code, but won't provide a fax number to the public and say their mechant provider (streamline) has the fax number. Phoned back asda, they demand fax number, I merge them on a new call with NatWest, who put me through to card errors deparment. Natwest now say they cannot even act on a fax, it is completely asda's fault and up to them to get me my money back. Asda will not do anything without this fax number. Their manager just went round and round in circles. They will not let me go into the store and have cash or do me a bank transfer. They say after 7-10 days I would have the money twice. At the end of the day, I am out of pocket by £76. It is a weekend we are supposed to be taking the kids out today. We are now stuck. This is absolutely unacceptable I have to wait for this long banking process to resolve itself. Asda will not provide any sort of goodwill gesture. Surely there must be something I can do to get these funds quicker. Why should we have to suffer? I have recorded the entire call (over an hour plus 6 other calls totalling another hour) its quite comical to here how this manager, asdas highest point of contact, is so simply minded. If I went into a shop and made the mistake of not paying for the shopping, then promise to pay them in 10 working days, they would insist this is stealing. How come it is acceptable the other way round? Sorry for the rant I am livid right now. Does anyone have any advice? Thanks so much

Beauty products from the skin of executed Chinese prisoners http://www.theguardian.com/science/2005/sep/13/medicineandhealth.china

Thousands of Co-op customers who used their cards in the retailer's stores on Tuesday may have been charged twice, the chain has said. A Co-operative spokesman said a "processing error" had affected its food stores and petrol stations. Those affected will have their money returned directly to their accounts within the next 24 hours, he said. The Co-op has apologised and promised to reimburse people who have incurred charges as a result of the error. Not everyone shopping on Tuesday with Co-op will have been affected and customers who used their credit or debit cards have been advised to check their statements. The Co-operative spokesman said he was unable to say exactly how many people were affected. The retailer has 2,800 food stores and 200 petrol stations across the UK. Its customer careline number is 0800 068 6727. So check those statements when you receive them

Hello everyone. My query is simple and I'm certain has been asked and answered on here at some point. My partner went through a very acrimonious divorce six years ago when her husband upped and left her with a house and four children to contend with and no money. She subsequently got a job and has just about kept her head above water. Her one issue credit wise was a Lloyds Bank overdraft, in joint names for which she was chased as the husband disappeared off the face of the earth! After a lot of correspondence, Lloyds closed the account and defaulted the balance. The bank charges and interest had rocketed from £1000 to £2400 at this point. A year ago, she got a letter from 1st Credit, informing her they had taken over the account and insisting the loan be repaid. They didn't want to know about her circumstances and asked for a minimum of £50 a month which was really impossible. An amount of £20 a month was finally agreed. She noticed recently the Lloyds Bank default, which would have dropped off her credit record in 9 months, has been removed and replaced by an account with 1st Credit and a new default date which won't drop off for an additional 5 years. She's really at her wits end over this. I've read conflicting advice, some saying it should be the original default date and others that it's a new account and the default date is correct. Any advice would help please.

Hi all, having read multiple threads about Harlands over the past few months and finally thinking that my problem was resolved, I have today come to the end of my tether with these cowboys. I joined end of 2013 and cancelled my DD in January 2015 as I hadn't been going for months as the facility was rubbish. I had completed my 12 month contract and wrongly assumed that I could just cancel my DD. I then received a letter from Harlands in March 2015 claiming I owed my Jan/Feb direct debits at £12.99 each, plus the penalty fee of £25. I didn't agree with this but I paid it to get them offs back and they told me I needed to cancel directly with the gym. Again, I accepted that I was at fault for now following the correct cancellation procedure, hence why I paid up. In March 2015 on the back of this letter, I contacted the gym at X4L Nottingham by telephone and spoke to the Manager, asking him what I needed to do to cancel to put this to rest. The Manager told me I didn't need to do anything as according to his end, I had already cancelled. I specifically asked if I needed to complete any forms and was told no. Brilliant I thought, this is over. I then received a further letter from Harlands later in March advising that I had missed my March payment and that I owed a £12.99 plus the £25 penalty. I took the letter directly to X4L end of March and talked through with reception what my issue was and said I wanted to cancel once and for all as I was tired of this issue. Once again I am told by X4L that I didn't need to do anything, no forms, nothing. The receptionist told me, face to face, that the Manager would contact Harlands (taking a copy of my letter) to advise that they need not pursue me and that the Manager would contact me the next day to confirm. This, by the way, is a new manager as the manager I had the previous telephone conversation with has left. The next day came and no call from the X4L Manager so I called them, the Manager confirmed they would sort this and that I did not owe anything and did not need to cancel. Great - matter resolved. Today, I have received a letter from CRS who I believe to be 'Harlands' own DCA?? I now owe £180.47. Wow - even if I owed my March, April and May gym fees of £12.99 per month and their "penalty fees" it should not come to this!! I called X4L and this time spoke with the sales membership manager who confirmed that if I did not complete a cancellation form, my membership won't be cancelled which is why I've been receiving the letters and I cannot cancel until the balance is paid. So, my issues in summary: 1. Harlands advised me that I needed to cancel directly with the gym, so; 2. I have contacted the gym by telephone in March 2015 and visited in person in April 2015 advising that I wanted to cancel, but was told BOTH times that I need not do anything as I was cancelled their end. 3. I have attempted to cancel twice now and have basically been blocked from doing so, whether this is due to a lack of knowledge and training on X4L part or not is not my fault - I have made two attempts to cancel to avoid further debts occurring. 4. I am not prepared to pay the balance of £180.47 in order to then be able to cancel the membership, as I have already attempted to cancel officially twice and don't see why I should pay a debt that has accrued because X4L has given me the wrong information. If they had allowed me to cancel in March or later in April the second time, the debt wouldn't even exist. I refuse to have any telephone or face to face contact with either of these cowboy outlets from today and intend on writing to them to outline my concerns and complaint. I could really do with some advice on what I should include in the letter and also what your thoughts are on the situation. I know that the penalty fees are not enforceable based on other threads I've come across, but at present this is a separate issue altogether. I just want to cancel, as I have tried to do on two occasions now!

Hi, I have been charged two lots of £9.99 for 4 months, I raised the issue with xercise4less in April and have emailed copies of my bank statements as proof, the problem is that it has been over a month and I still have not received any refund. Each time I call I am told it will take 5-7 days, then it will take 7-10 days etc etc. I've sent several emails via their contact page but I cannot find a contact number for their head office, does anybody have one? Or any ideas of what I can put in a letter to get them to pay up? Thanks

The home page of auction website MadBid makes a series of stunning claims. One bidder snapped up a Fiat 500 for just £193. Another grabbed “a week in the sun” for a mere £3.28. A third is about to take delivery of a brand-new Mini One for the staggeringly low price of £6.83. But a Guardian Money investigation suggests that successful buyers can actually end up paying twice the price for goods available on conventional retail sites, while the far more numerous unsuccessful bidders face losing £28 or more each. We also found evidence to suggest that the company, ultimately based in the Channel Islands, is making extraordinary profits – potentially up to £14,000 on the sale of an Apple MacBook in one of its penny auctions. We also found pricing irregularities across the website, with “sold prices” incorrectly stated across its many international versions. http://www.theguardian.com/money/2015/may/15/madbid-discount-auction-website-most-complained-company

The home page of auction website MadBid makes a series of stunning claims. One bidder snapped up a Fiat 500 for just £193. Another grabbed “a week in the sun” for a mere £3.28. A third is about to take delivery of a brand-new Mini One for the staggeringly low price of £6.83. But a Guardian Money investigation suggests that successful buyers can actually end up paying twice the price for goods available on conventional retail sites, while the far more numerous unsuccessful bidders face losing £28 or more each. We also found evidence to suggest that the company, ultimately based in the Channel Islands, is making extraordinary profits – potentially up to £14,000 on the sale of an Apple MacBook in one of its penny auctions. We also found pricing irregularities across the website, with “sold prices” incorrectly stated across its many international versions. http://www.theguardian.com/money/2015/may/15/madbid-discount-auction-website-most-complained-company

I have noticed for the last few months, one debt appears twice on my credit report, with two companies - Nationwide and MKDP - both applying monthly defaults. A screenshot is attached. I am guessing that Nationwide sold the debt onto MKDP. However, if MKDP are listing a default date of 8 January 2009 (when it was sold on?), why would Nationwide then state a default date of 3 August 2009? Furthermore, if the debt is indeed owned by MKDP, then why does Nationwide continue to apply monthly defaults? Also, having read another thread on here regarding MKDP, is it likely that as of January 2009, MKDP did not actually hold a Consumer Credit Licence?

Hi, in 2012 i defaulted on my barclaycard credit card, just over £3k, this resulted in said default on my account. Being naive, i buried my head in the sand and ignored it, today, digging my head out the sand, ive decided to clear up my debt, on checking my report, i see my debt was sold to a company called MKDP LLP, who have also added a default onto my account for the exact same debt?! Can they do this? Thanks for any help.

This may be a little long winded, please bear with me. I am describing what is happening between my daughter and TV Licensing. She moved into shared student accommodation in 2013 in Exeter, on a road with many student houses, Victoria Street. They were doorstepped one evening, when my daughter was not present, told they don't have a license and needed to get one. A week later it was purchased. Fast forward several months (I don't recall the date but am in the process of finding out and documenting all this), and she receives, at her home address, a Notice of Enforcement for £340 for Use of a Television set without a license. This is the first letter received. I accompany her to a local magistrates court to perform a Statutory Declaration that she received no summons. On the clerks papers we can see that they had my daughter's student address incorrect, instead of Victoria Street it is Victoria Road. This explains why she has not received any letters to this point, and why she did not receive the summons. The clerk provides us with no papers with this information on. The Stat Dec is sent off, and my daughter calls the TV License people to explain the situation, saying please can you call off the hounds. They say no, you will have to explain in court. Fast forward again to December last year. Again at the home address she received a second Notice of Enforcement, for a different court case. Again she provides a statutory declaration. This time the court at which she provides the stat dec doesn't send it through correctly to the court issuing the warrant and they are insisting they cannot cancel the warrant - the fine stands. She is in her final year, extremely stressed by it all, cannot afford to pay the fine, and should not as she had a license. She has been to court twice, made in the region of 40 phone calls to the court and tv licensing, and seems to have no way out. She can't fight a summons that does not get sent to her. I'm trying to put together all the information to write to the Consumer Relations address to complain to TV Licensing but it seems rather a toothless approach. Anything else we can do?