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  1. Hi, My landlord is wanting to send estate agents round to value the property because he wants to put it on the market. He has not yet served me with a Section 21 notice so I have no idea when he is expecting me to vacate but I would have thought a valuation would be more realistic once the house is empty and after he can do some redecorating, etc to get it ready for selling. At the moment, we have been too stressed over searching for a new home and we have been having a mad declutter and we have half packed boxes everywhere and the housework has become less of a priority, so al
  2. Hi, after CCA'ing my creditors as per advice here in an earlier thread back in October one of my main DCA's (Wescot has responded - took them a while!) They are saying they have sent me my original agreement as requested and have now passed the debt back to Lowell who they were collecting on behalf of? is the CCA a valid copy? The original creditor was HSPF (home shopping personal finance) Not sure if i should get back in touch with Lowell and start arranging payments again or not Any help appreciated as always, i have uploaded copy of what Wescot have sent me.. n
  3. Help, Please can anyone advise me where to turn to. I bought a 3 year old approved used Mercedes from a Mercedes dealership on Dec 22nd 2017. I was told verbally that the car was being MOTed the day prior to my picking it up and I was giving paperwork listing the MOT date as Dec 22nd 2017 - Dec 22nd 2018. I was overseas for a while in Sept / Oct and left the car in airport parking. Whilst I was away my car was damaged with some scratching to the bumper. I returned to the UK and amongst the admin I had was a reminder for taxing my car. When I tried to do this I real
  4. When I was caught using my mom's freedom pass, 'the caution' was read to me AFTER I answered all the questions and was asked to sign the notes. I was NOT asked to review the notes just to sign. Is it how it is supposed to be done? After the questions and my signature the caution followed and I just felt sick. The officer offered free legal advice but I refused because I was mentally and physically unable to continue. Can I still request free legal advice should I go to court? I think I wasnÂ’t informed that I DID NOT have to answer the questions WITHOUT
  5. Hi, This morning i was travelling from Kent into London - i have a monthly travelcard which allows me to do so, just not valid on the high speed into St Pancras. I was running late for work and missed my usual train and decided to jump on the high speed and hopefully see if my travelcard would get me through the barriers. Obviously my ticket didn't allow me through, i panicked (as it was getting later and later) and decided just to tap through the barrier, at this point i was stopped by two undercover ticket inspectors. They looked at my card and realised it was not valid on High Spe
  6. Hi everyone, I am a single parent of 2 children (2 years and 2 months old) which I take to the park every week. I don't have a lot of money but still I go to and pay for parking every week in the same place (Willen lake in Milton Keynes). What happened on this occasion is that after I placed the ticket on the dashboard, I then had to get both my children out as well as the push chairs and so on out of the boot. Whilst doing that the ticket must have been blown over on to the seat as it was a windy day. When I got back I found the ticket upright on my seat after returning to the vehic
  7. hello all, i have a valid gas safety certificate until November the 3rd 2018. my landlord(local council) uses a heating company for the gas safety check,... they are being very overzealous and have been calling to do an 'ANNUAL' gas safety inspection since the beginning of August...this seems very strange as its 3 months early and they know it expires in November.?? I have came home and received calling cards when I have been out and on one occasion a calling card was left when i was on holiday...as it was August. today i received a letter from the council saying they ar
  8. Hi there! I would like to ask for some advice. I found a similar case (same place, same issue) to mine in this forum and would like to know what was the outcome. Or I'm looking for some solution from someone more clever than me. I parked my car in the St Stephens car park in Trowbridge end of May. I purchased my free three hours ticket (still have the ticket) and put on the dashboard in a visible place. Shutting the door moved the ticket further down and fell under the windscreen wiper (not fully visible, but definitely there). I had an hour meeting at Nan
  9. Hi, question - how long is a warrant of control issued for an unpaid council PCN valid for? I thought it was 12 months but the relevant bits of CPR 75.5 have been struck out (I can't post a link as I'm new, but if you google CPR 75 you'll find it) so I think the law might have changed. Any ideas?
  10. In Oct 2009, my ex-husband signed a personal guarantee to cover an existing business overdraft of £140k for the right to borrow £60k more from NatWest which the bank knew was due to pay credit card demands. The overdraft was totally unsecured before that. His business had clearly been failing for some time and they pressurised him to secure their previously unsecured lending. It was an extremely stupid decision on his part but we now know that he was succumbing to mental illness, from which he has never recovered. He broke down at the signing of the PG and was clearly in no fit state to m
  11. Hi everyone. I'm a new member on here. I came across the site when researching tenancy deposit schemes and I've read through several threads but can't seem to find and guidance in relation to my particular problem. Briefly, in September of last year I agreed to rent a property with a private landlord. I had a few concerns about the property but the landlord assured me they would be dealt with once I moved in. But I needed somewhere to live quickly and my mother paid the deposit. The rent was to be paid by housing benefit. There was mould throughout the property, there
  12. Got PCN at hospital in NI. Ticket says no valid disabled badge on display. Disabled badge was on display and was visible in my opinion, though which side was up I couldn't say due to extreme stress. The badge belonged to registered owner who was in hospital and who in fact passed away a few hours after the ticket was put on the windscreen. The registered owner was not the driver but there was a key family member who was a passenger with mobility difficulties and so one of the disabled bay spaces was used. This is brutal and I am wondering how to address this as quick
  13. Dear all, I unfortunately suffer from chronic depressive illness and have done so for many years with the condition significantly worsening over the past few years. In the year 2011 I had been subject to police investigation. I attended a police interview on a voluntary basis. Due to my debilitating depression I had an appropriate adult also attend this interview who I understand was a social worker at that time. The social worker, without my explicit consent, went on to record the details of the alleged criminal charges I faced on the NHS Trust’s IT system and within my
  14. My son in law received a PCN dated the 3rd January 2017 as a result of an alleged infringement that the Council say occurred on the 6th December 2016. A that is either 28 days delay or 29 if you include the contravention day before the issue of the ticket, not the serving of the ticket, is that grounds for challenging the PCN please?
  15. Once again my dad has managed to get a parking ticket and it's up to me to sort out. Last time it was all sorted thanks to the help on here Basically they've sent my dad a letter saying he entered a pay and display car park at time X and left at time Y on the 29th December, approximately 90-100 minutes apart, and that he wasn't displaying a valid ticket. The letter only has pictures of his car licence plate, no pictures of his dashboard showing either no ticket present or a ticket that didn't have sufficient time purchased. He insists he bought a ticket and, being almost 2 weeks ago now,
  16. Hi Guys, Really hoping someone can help me with this as have read several forums now and I'm really confused/worried on what I should do next. I'll give an overview of what's happened and have also answered the questions suggested in other threads below.. .if someone could please help me with this I'd be really grateful: A few weeks ago on 2nd June I parked on what I thought was a side street, there were double yellow lines on the main road and the double yellow lines stopped at the entrance of the side street. There was an office on the left to where I parked
  17. I defaulted on a debt in 2006 but the bank did not register the default with the CRAs. I paid them reduced sums through the CCCS. In 2008 I came out of the CCCS and paid the bank direct. I received the attached letter. No Final Demand received but it was managed by Metropolitan. Is it a valid default notice? I continued paying First Direct what they were asking for but in 2012 commenced much reduced, token payments. At the end of 2012 HSBC marked my credit files with details of the account as an Arrangenent to Pay. Is the 2008 letter a Def
  18. Hello everyone, I've had a County Court claim form sentfrom Northampton CC. The claimant is Cabot Financial (UK) Ltd acting via Restons Solicitors and quoting an Opus credit card reference. Putting those names into Google brought me straight here so I hope someone can give me some advice. I had a Capital One credit card a long while ago and assume that the £5k odd debt has been passed around, I've also had a number of letters and calls from Cabot which I have ignored over the years. I'm aware that if you make no contact with a lender for six years
  19. When I was travelling on the train this morning, I was using my laptop. I wasn't paying much attention to what was going on around me, when I noticed that the train was almost in the station. I quickly rushed to put my things away, when the ticket inspector decided to start doing his rounds. While I was in the middle of putting my stuff in my bag, he asked to see my ticket. I explained that I was about to get off the train. I continued to put my stuff away and as the train pulled into the station, I flashed my ticket before alighting. I barely made it off the train in time. As I left
  20. How long is a assured shorthold tenancy valid for one the original 12 months have run out ? Reason i am asking is another person i am helping has been given a s21 notice to quit followed by a n5c claim form for property. The original ast was for a year. Then it was signed up for another year but no paper work exchanged hands. Now in the paperwork provided with the summons the deposit has been protected till the tenancy ends it second year. Two questions 1. Is the s21 notice valid ? 2. The deposit although again protected seems to not have been protected with in 30 days of the satrt of
  21. Dear forum users, I hope I can gain some useful advise here as I can't afford proper legal advice. Story goes: I took a train from Llandaff to Cardiff Central (3 stops £3.60) for the local beer festival. Spirits were high and my mind wasn't on the ball. The ticket office was closed at Llandaff so usual run of business is buy on the train or at Cardiff Central. This train the conductor went back into his cabin and so I could not buy a ticket. When I got to Cardiff Central I asked where can we get a ticket bacause there was no ticket office open. Was directed to unp
  22. Hi there everyone on CAG. I've read lots of threats on here, which have been full of very useful and invaluable advice, but I couldn't find anything very specific to my query. I'm hoping my thread will help people in the future with the same question. I'll quickly describe my situation. It goes like this: Basically, it's exactly what I've been charged with. I was on the London Underground, I didn't have a valid ticket, I got caught by a ticket inspector as I tried to exit the station who then asked for my details. I am not going to cry and whinge about my financial circumstances and any p
  23. Hi I had a call from my car insurer saying that I haven’t paid anything towards my policy for last 6 months, although I have a valid policy. I had a DD setup with them from my last year's policy, but obviously they have done something wrong and cancelled the DD during my renewal and kept my policy valid, only to find out 6 months into this year's policy. Now they are asking for last 6 months payments to be paid in 2 drops (which is their payment plan), on addition to start the monthly DD as of this month. Just to add to the mix, I had 2 accidents last January in which were still unde
  24. Hi All, Apologies if this sounds like a daft question but should a NOA contain certain wording to be valid? The sentence I am interested in is as follows: 'has assigned all of its respective rights, title and interest of the above referenced account including the outstanding balance to....' Thanks.
  25. Parents in private rented property were given s21 notice as landlord wanted to sell. Daughter has been trying to get a mortgage to buy the property and in the meantime the parents have stayed put with the landlord's permission. Notice expired over 2 months ago. The sale is taking longer than the landlord would like and they are threatening to pull out. If they do, will they have to issue a new s21 notice? Am I right in advising that the parents are under no obligation to allow access for viewings etc whilst they are still living there?
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