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Found 10 results

  1. Hi everyone, I've recently received a PCN from Camden council on 17/03/17 at 22:45 for briefly stopping at a bus stop to pick somebody up. My query is whether or not the PCN is valid on the grounds that the field entitled "Make and colour" has been printed as "Unknown NOT STATED" All other information like vehicle registration, time, date and place seems to be correct, supplied with still images taken from video footage. According to this website trafficpenaltytribunal.gov.uk "The relevant traffic regulation order (TRO) is invalid There has been a procedural impropriety by the council This means the council have not complied with the relevant regulations. For example: the penalty charge notice or another document did not give the required information." I'm not sure if the make and colour is regarded as "required information" if the vehicle registration has been provided. Has anybody else encountered something like this before ? Any help will be gratefully appreciated!
  2. Any of the rail experts have a view on this ? My local TOC (C2C) seems to be tying itself in knots over whether a ticket valid from one station is also valid to the next stop as the cost is the same for both. So far I've been told, they ARE valid, they ARE NOT valid, or they are valid only if the ticket is a weekly season but not a daily one (this makes little sense as the criteria, i.e. the cost is the same, applies equally to both). The advice given here > https://www.ircas.co.uk/docs/c2c_Penalty_Fares_Leaflet.pdf would imply tickets are NOT valid but one must assume if permission has been given then this wouldn't apply ?
  3. Hello, in 2004 we took out a loan with Welcome Finance. This has now been repaid in full. Now things are paid off I'm looking into re-claiming fees and charges etc. On the day we took out the loan, the salesman was in a hurry as it was nearing the end of the month and insisted the loan was signed off that day due to it being the end of the month. I realise this was probably for his end of month targets maybe. My husband was unable to leave his place of work that day so we tried to make the signing appointment for the next day however the salesman needed it all signing that day. In desperation the salesman asked if I could take the paperwork to my husband to sign, as if we didn't do it that day, we may not have the loan approved. I took the paperwork to my husband to sign. I then took the paperwork back to the office and the loan was granted. As we were consolidating an existing unsecured loan with Welcome I assumed the loan was unsecured, but we found out a month later it was a secured loan. During the course of the loan we successfully reclaimed the PPI as we were unaware that this had also been added. This reduced the balance significantly which enabled us to finally repay the loan and get rid of the debt. I am just wondering whether I would be able to question the validity of the overall loan, have researched this on the internet but getting lots of conflicting information. Does anyone out there know if this would be a possibility and if so where do I start? Thanks for reading!
  4. Hi all I have my monthly season ticket from norwood junction to fleet NOT via london. other week i heard someone saying on train that one of the barriers at london waterloo accepts tickets not via london. I used them and i was observed by a RPA of southwest trains walking all through platform 1 till plat form 19 and using barriers there. He confronted me and gave me a receipt which says i will be hearing form SOUTH WEST TRAINS . I have never come across any situation like this before and i literally stood shaking when he was asking me questions I ended up signing the receipt which explains that i walked all the way form platform 1 to platform 19 to use my ticket which is not via london.Receipt also says i tried to skip payment of 1.60 pounds. i was so tensed and i was shaking when he was confrnting,when he asked me to fill in details,i did by mistake enter wrong DOB.I am even worried about that. I was told i will be receiving letter from SW trains within 3 weeks. I am so getting worried and tensed , seeing all these posts. Please someone explain to me about the process. My application for passport is under consideration I dont want get into criminal records.I know i did a mistake stupidly. IS there any way to avoid it to settle out of the court?etc? I am so embarrassed about myself & deeply feeling guilty about what i did for sake of just 1.60 pounds . ONE IMPORTANT THING is why should any barriers accept tickets which are not via london?ITS FAULT in the system. should i meet any solicitor regarding this or should i wait for letter from SW. how much time it will take them to write to me? Please some one HELP... I am SCARED.... I AM REALLY SORRY for wat i DID.... i dont knw what to do now
  5. Hello, I have a Super Off Peak return ticket from Brighton to Bath with reservations on Paddington to Bath and Bath to Paddington trains. Can I use the return part to travel via Southampton instead of London? And if so how can I tell which particular trains it's valid on? Thank you
  6. I moved in and signed my tenancy agreement of 28 July 2012. On the same day, the landlord made me sign a section 21 notice. In January 2013 my landlord started eviction proceeding using the accelerated route. I received the court papers and sent back my defence stating that the section 21 notice given to me was at the start of my tenancy and for it to be valid it could not be served within the first 6 months of my tenancy. I have never received a copy of the section 21 notice after my first 6 months tenancy. I have today received a letter from court to attend a Directions Hearing in April. What is expected to happen at this hearing? Am I also correct in saying that the section 21 notice is not valid if given to me on the start date of my tenancy? The fact i have never received a section 21 notice after the expiry of my first 6 months tenancy shows the landlords claim is not valid? They did supply a copy of the section 21 notice to the court when they made their application for possession which clearly shows it was signed and given to me on the same day I started my tenancy. Your help is greatly appreciated. Many thanks:oops:
  7. i was served with a notice to quit and have been house hunting, trying to get dates to match up as closely as possible, when i noticed that the date on my notice to quit is halfway through my current rental period. It used to be a 6mth AST, rent paid weekly on a Friday, yet the NTQ ends on a monday. in my opinion the NTQ is invalid due to wrong dates, if this is so, and i decided to leave on the date specified would i be in breach and liable for deposit deductions. Full wording of the NTQ is as follows "I, Mr Daniel xxxxx, HEREBY GIVE YOU, Mr Adam xxx, notice that possession of Room 5, XX Trevenson Street, Camborne, XXXX XXX is required by virtue of Section 21 of the Housing act 1988 after the seventeenth day of September 2012 (12/09/12) Dated This 23rd Day of July 2012" i was under the impression that it had to be dated the 20th which is a thursday, the day before my rent would be collected, and as its a weekly rental, is 8 weeks or 2 calender months required. ive X'd out a few thigns, just postcodes etc, personally i dont want to be here any longer than i have to, the LL is reknown in this area for bending rules, bullying, illegal entry and is thouroughly unpleasant to deal with, my first bad LL experience, usually i get on fine with them, he has one hell of an inferiority complex. if the general consenus says its wrong, il take it to CAB and get them to help me write up a response Thanks
  8. Firstly, Im a full-time Master student who currently in a dissertation period. The whole thing is about the tenancy I singed with a letting agent is coming to an end by 25th August 2012. I intended to have a rolling contract after the Assured Shorthold Tenancy Agreement with a 12 month fixed term. But I havent receive any information from the agency or the landlord so I emailed them first on 6th July, and the agency reply me on 9th July that I can't stay after the contract ends because the landlord decided to rent it to someone else. I was asking them why I'm the last person to know and they even didnt contact me before they re-marketing the flat on Rightmove.com on 5th July 2012. I emailed them about my difficult situation that I'm doing the dissertation and its almost impossible for me to find a new 5month contract flat and arrange a move before the dissertation deadline next month. I dont know if they actually inform that to the landlord. And My visa is running out on the end of Jan 2013 which means If I move out on 25th August 2012 I might not be able to find a new flat which allow 5 month contract. And as I feel intense about the short notice to move out and I emailed them to have a explanation and possibly arrange something to sort out the situation. They explained that they did attempt to call me but cannot contact me at the beginning of July. Firstly, I usually use email to contact them with same email address which written in the information form. Secondly, I checked my phone record, there isn't any missed call or voice mail from the number they said they were calling from. I asked them to provide a phone record but they ignored my request. I started to thinking aren't they gunna say nothing to me if I didnt email them first. Because normally the landlord or agent will contact me about the rolling contract or any change as my previous experience. Then I found the information about the landlord should provide the Section 21 Notice of Housing Act 1988 with a minimum 2 month time. Clearly I didnt not get any Notice around 25th June that 2month prior to the contract ends. Therefore I emailed them again and ask why they didnt sent me the Notice in writing, they said they gaven the Notice to me at the beginning of the tenancy as a separate documents already and send me the scan copy of the Notice, but I never ever seen the Notice till now. There is no serve date of the Notice on that Notice, and I can prove that I didnt get that Notice at the beginning or at any time but now with prove. I found out there is a mistake on the contract after i signed the contract. The post code of the property address was wrong on the contract and I took it back to the agency, they just change the postcode on the contract by pen without any other action. I remember I was double asking them if it is alright for a valid contract with a wrong post code and change it like that, they said it is fine. But clearly the the scan copy of the Notice they sent me is with the wrong post code, which proved that if I get that Notice with the contract or at any time I would go and let them change it because as a law student myself I feel it is not right to have a wrong post code on a legally binding document. They insist that they serve me the Notice as a separate documents, so I checked again the contract, there isn't a mention of the Notice will be served at the beginning of the tenancy. And it also said there is a inventory list attached to the contract but I didnt receive any but the tenancy agreement itself. I'm scared they are going to lie about that as well then I wont get my 900 pound deposit back. Regardless all these, when I am trying to contact them about the issues about the Notice and how difficult my situation is, I also require a repair of the toilet as soon as possible , because the toilet with in-wall water tank stopping flashing which is a major problem for normal people. I mentioned at least 3 times to ask them send someone to fix the toilet in the email today but they didnt even say a word about it and just keep repeat i have to move out by the end of the contract date and that is the end of the issue. So I proposed that I move out this month (one month earlier) and they should refund me one month rent which is 600 pound that i've already paid. Then I got chance to rent a 6month contract flat. But like every email they replied is all about I have to move out and I cant have any right as tenant. I'm desparte to seek some legal help and I dont want to lost 600 pound rent + deposit 900 for being rip off by the liar agency and they didnt even admit their fault. :mad2:
  9. Hi, I would be extremely grateful for some help with this. I have sent a letter to Barclays requesting my CCA with a £1.00 PO. They have replied back to me saying: Dear Mr R, Thank you for your request for a copy of your CA and financial statment. We are pleased to provide you with a copy of your F.S. Sections 77 & 78 of the CCA 1974 (as amended) DO NOT require B.Bank to provide you with a signed original form of the C.A.and in accordance with the act it is not the policy of B.Bank to provide this. This was for a Loan taken out online for £10,000.00 on 5th June 2008 Is this correct that B.Bank do not have to supply this information? Where do I go from here. Any help please.
  10. Hello, First post here - been a useful site but never had a question to ask before . I recently opened a standard Current Account with the Co-Op. I got cheque book and account information very quickly but after waiting 2-3 weeks for a debit card had to request it manually. It was confirmed that none had been automatically issued but that there seemed to be "nothing wrong" with my record. The card came with a validity period of only one year. I got a friendly courtesy "how are things going?" call and asked about it - the lady wasn't sure why the short date. Looking at other posts it seems this happens when people have had informal overdrafts or lost their card. But my account is my first with Co-op (or Smile) and my credit reports are completely clean. However my income is fairly low and partly from self-employment - I declared this as completely as I could in the application form. Am I perhaps in some category of people who may be considered higher risk but since there's no evidence they still open the account and see how I go? And if I'm in any probationary period, is there anything I should/shouldn't do (apart obviously from go overdrawn) in the first year to stop them deciding they no longer want my custom after a year - if that is even likely? I'm reluctant to switch everything over if I'll have to do it again in 10-11 months' time. Thanks...
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