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Found 211 results

  1. I recently went on Nat West website to inquire about a loan, I progressed it but decided not to go any further as the interest rate was too high so I didn't apply for credit. I then discovered that Nat West had placed a hard search on my file for a credit application. I disputed this with Equifax as I had not made the application, they told me to take it up with Nat West who then told me that is how they do things. surely this isnt right or is it? any guidance would be appreciated.
  2. My partner parked at a NPS (northern Parking Services) car park a few weeks back and the machine was not working. She could not pay for her parking. Today we got a ticket in the post. They have camera's there and must have automatically sent a ticket out. What are my options? Do I have to pay it?
  3. just wondering if anyone can tell me what the position is RE liability when there are 2 names on the council tax bill. I only just discovered council tax has been unpaid for the whole year. The bills have been shall we say intercepted before I ever saw them. Likewise any letters from baliffs (the company is one i've had dealings with before - and I don't like them - the seem very underhand.. I digress). So, having finally been made aware of this i'm looking to pay the bill by end of next week. (I contacted the councill last friday about it and got them to send me a bill). However, there have already been visits from the aforementioned baliffs. Just wonder what position is if they come back and try to seize goods and such. And also what the position is regarding fees they might chage for doing so (or any fees they deem to be payable because they have been already). Any help appreciated. Thanks.
  4. Hi, On the 18th of January I was pulled over. When the police officer asked what I was doing on my mobile phone (which was attached to the magnet holder). I immediately replied I was 'changing the music'. It was about half past midnight with no other cars on the road and I stopped my vehicle just before I entered a small roundabout as there was a car approaching from the right (which I now believe is the police car). I took the opportunity to pick a song to accompany me the rest of the way home. As I saw the police car approaching I pulled off and was pulled over. The police have ticketed me. I am a new driver so the punishment of 6 points and £200 fine would mean my licence will be revoked. I am thinking of letting the issue be decided by the courts as I feel that the punishment is harsh considering the circumstances. I am thinking of representing myself as cannot afford the legal fees. I am aware of the technicality of the law surrounding this issue in order to be guilty of this offence - Firstly said mobile/hand held device must be handheld at some point during alleged offence, secondly phone has to be used for interactive communication and thirdly engine has to be on. Clearly my car engine was on, I would definitely argue that my phone was not held in my hand however the interactive communication part is a gray area as I stream music from Apple music but I also have music stored on my device, the question is whether I was streaming music at around said time of offence. I have requested a solicitor write to my phone company to release such information to me. Other points to note there were 2 police officers in the vehicle. The officer that ticketed me clearly believed that I was changing the music because she made comments at the end of our encounter saying that I can use Siri to change the music. I have never been to court before and any advice is greatly appreciated. My questions are: Is it worth taking to court? Will there be a opportunity to raise the points of law and how my incident does not meet the criteria for said offence and also can I request to see police statements of said incident? Any other opinions and advice is greatly appreciated. I need as much help as i can get. ...
  5. 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 legal adviser. My mind is pretty fuzzy on the above but this is what I remember. In hindsight I would have answered everything with a free lawyer but to be honest I think I answered everything truthfully anyway... but: Was the caution read to me legally in this order? Should I mention it in my apology letter? With a case number saying to fill in the form on the reverse of the letter with plead guilty or not guilty within 10 days – no intention to prosecute yet. I intend to plead guilty because I did commit this offence. If I accept committing the offence I need to provide any exceptional reasons as to why they should not prosecute me. They stopped me just after I crossed the tube gates at Northolt station so I didn't have a chance to actually make any journey. After all the questioning they let me out and I went back in using my credit card. I only have 4 days to reply as I only received it today (I was checking the post ever since the incident – it took them only 4 days to write it to me – is it a bad sign?) so I only have a week to reply L. So please can you help me understand: What the legal consequences will be? I am talking about worst case scenario. I am pretty sure I will be prosecuted, will be given a criminal record, huge fine (how much do you think?) but will not be jailed as this is my first offence? Or am I wrong and can get to prison? Will my employer need to know? Will I get fired? If this happens can I appeal and how? [*]My exceptional reasons (I guess these are the mitigating circumstances) is my mental illness. I have suffered from depression, anxiety, associated disorders and side effects caused by being on antidepressants for about 10 years – all is GP documented. As a result I have suffered from frequent serious disorders – just imagine the worst for a depressed person as I donÂ’t feel like providing such details. In addition I recently started a therapy to stop smoking and the side effects of the medicine are severe and are not helping my mental state. Especially the last 2 years have been very hard for me, I lost my job, my person life crumbled, I had difficulty getting out of bed and so onÂ… and finally 3 weeks ago I found a job (which again added a lot of stress as I want to keep it at all costs) and I was caught only after 2 weeks of working. [*]I was asked if it was my first time: I honestly donÂ’t know and this is what I answered. My mom and I keep exchanging bags and stuff and I have been too stressed out to check which card I had in my bag – they have the same cases. So the worst case scenario is that I have been using it since January/February this year but irregularly like 1-3 times a week or weeks of not using it at all. [*]‘the cautionÂ’ 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. Later came the caution and I just felt sick. He offered free legal advice but I refused because I was mentally and physically unable to continue. I think I wasnÂ’t informed that I didnÂ’t have to answer the questions without legal adviser. My mind is pretty fuzzy on the above but this is what I remember. In hindsight I would have answered everything with a free lawyer but to be honest I think I answered everything truthfully anyway but: Was the caution read to me legally in this order? I.e. after I answered all the questions and was asked to sign the notes without reviewing them? ​ [*]Apology letter I intend to write everything that happened, the card/bag mix up, my mental issues, plead guilty, apologise, ask not to be prosecuted, not to get a criminal record, settle out of court, offer the payment of all the associated fees and penalty etc. Does it sound right? Should I add something about the caution that to me should have been read at the beginning? Should I add anything else to help my case? ​ Thank you very much for reading this! As you can imagine I am losing my mind, I am scared, terrified I overmedicate so that I donÂ’t have to thinkÂ… any words of wisdom will help so please, I am begging you help me if you can.
  6. Hello, I have written before on this forum concerning my mental illness and the debt, successfully writing off debt from MBNA. I had a mental breakdown in 2005 and a relapse in 2015 when I fell again into a deep depression. For people who do not suffer with mental health issues, it is hard to explain how things effect you. It’s not I am another person but, I can appear changed and not myself. When I am suffering these episodes my moral compass, well it isn’t there I basically am an ar*e I care not a jot and do things I know can be destructive. I have had great help from social services to help me cope and as I said in a previous post, https://www.consumeractiongroup.co.uk/forum/showthread.php?489343-tesco-credit-card-amp-freds&p=5142374#post5142374 I do have outstanding debts with Tesco Credit card £7700 owing, still haven’t heard anything from Frederickson or Tesco for an age. PayPal credit card £2200 sent me an email, I have attached that email. This is the first I have heard from them. I noticed I still had a direct debit set up for Tesco I have no idea what it was for so the bank recommended to cancel it, so I did. It was over a month when I got a phone call from Tesco, saying I was default on my loan, what loan, I had no idea. The person asked me several security questions that I couldn’t answer all of them, then they finished the call stating they wanted there payment. I have searched high and low to find out what the loan was but I have no paperwork at all. I vaguely remember clicking on a link on an online statement from Tesco about something. Now I still get monthly statement emails from Tesco but cannot access the account on line. Looking at my credit report I can see a loan over 5 years that I had paid for 3 years and a part account number. I have written to Tesco with the part account number as well as my old credit card number explaining my situation. Since the letter I have had 3 calls a day all blocked, I told them in my letter do not call as I can be very offensive so I don’t answer to any one I don’t know, the phone is there for me to get in touch with my doctors. I have no paperwork for Tesco, I have asked for my information by post and still nothing, when can I say this is getting to be harassment? Your help as always is appreciated edit paypal 1.pdf
  7. hi everyone, im hoping some-one can help me out with this my brother passed away 18months ago and i was executor of his will. i did my duties as such but other than those in his will am i obligated disclosing info about him to anyone not on the will i.e other familly members just crawling out of the woodwork? many thanks in advance
  8. I don’t know if this will be of interest, hopefully for people in the same circumstances it will be. The history of this is a little personal but I feel it needs to be said. In 2005 I had a breakdown, I had a MBNA credit card with £7000 credit limit when I went on a spending spree and in the interim I applied and got another MBNA card with £6500 limit. During the time of my illness I ran both cards up to the max and I was struggling to make the min payments as I also had several other cards at the time. got these cards by simply applying for balance transfers they were throwing them at me. Needless to say I defaulted on the two MBNA cards. I wrote to them explaining my situation that I was now on medication and to offer a smaller amount of monthly repayments. I made the lesser payments each month and each month they marked it as a late payment default and the balance continued to rise. Eventually I stopped paying, a couple of letters and emails from them stating I was in default. It then went to MBNA debt office, these people were quite aggressive in their emails demanding payment in full and threatening debt collectors. I then wrote to them asking for the charges they kept adding to the account for late payments, I wasn’t late I just didn’t pay the minimum, I also blamed them for putting me in this position, they kept increasing the credit limit so I kept spending and in my condition I had no idea what I was doing. Now on medication, I wrote a strong letter complaining they were the reason I was in debt and they should give me the discount on the advance charges as well as the extra interest cost, I had no reply. Two months later I received a letter from MBNA saying they had written off my debt of over 13k and closed the account. On checking my credit report it shows as closed balance 0 this came as a shock as I had a Tesco card with a large debt on who wouldn’t talk to me regarding my illness and instantly passed it to Frederickson’s. I hope this might help others who suffer mental illness and not to let the credit card co bully them.
  9. Hello everyone I am after a bit of help with universal credit. I have been out of work for a while due to mental health issues (depression and social anxiety). I am 46 and It has been a bit of a bolt out of the blue for me because I have been in work since I was 16 and had never suffered with these kind of issues before. I have been claiming universal credit for 18 months now and was placed in the LCWRA group. I feel I have now come out the other side and have been actively looking for work. I have now been offered a job but it would mean relocating to another area. I am happy with this and find the move exciting. However, my query is this. While I am happy that I am able to go back to work what would happen if the symptoms returned? If I found after a couple of months I couldn't cope and was forced to leave the job what would be the situation with universal credit? Would I, in effect, be starting a new claim in a new area and need a new assessment if applying for LCWRA again. Or would I just automatically go back on to my current benefits? If I understand it right, once I start work you don't automatically stop UC, you just don't receive anything while you are above a certain threshold. So, if after a couple of months I had to leave my job so never received any money for the subsequent qualifying period, do I just start receiving UC again? Obviously hoping none of this will apply but just trying to think ahead. Thoughts would be appreciated. Thanks
  10. Hello all. First of all thank you very much for supporting this website. It has given me some hope in what to me appears to be a very dishonest situation. Summary PCN received after stopping for 12 mins at the entrance to a P&D car park in which ALL 4 Spaces were blocked by a wooden pallet each with a notice saying the road was too narrow for parking and emergency access. Details Broadwater Street West in Worthing, West Sussex is a short, narrow L-shaped side street running along the side of Starbucks and to the left behind it and other buildings, giving access to lock-up garages and waste bins. It has 4 parking spaces nose to tail running from the entrance of the road. My passenger had a painful case of cystitis and needed to use the loo. Thankfully we saw a Starbucks and from the main road it looked like there were parking spaces free in the side street next to it. After turning into the street and letting my passenger out, I saw that each of the parking bays had a wooden pallet in them preventing their use. In addition there was a sheet of paper on the wall to the side of each space saying that access was required at all times in case of emergency, bin collection and deliveries and that the road is too narrow for parking cars and through traffic. This is certainly the case. Having entered this narrow street the only way out was too drive to the end of the L where there is just enough space to turn around and then drive back to the entrance. Unable to park I waited just short of the main road for my passenger to return. Although I had fully intended to pay, with it not being physically possible to park let alone legal, the whole place gave the appearance that parking was at least suspended if not cancelled. Hence it never crossed my mind that I would be penalised for stopping there. There is of course no one supervising to tell you. My passenger could have just run in to Starbucks, used the toilet and run out but being polite she chose to buy some tea. We had just left the vet after having spent an hour talking to one of their very kind nurses about the loss of our dog which has been heartbreaking. It was a very emotional time and with the cystitis as well I couldn't drive off and leave them; stopped by the entrance I could at least clear the road if for example an emergency vehicle required access. They returned after approx 10 mins and we left. What Happened PCN received for "Failing to Park Within a Marked Bay". Given the situation described above where I was physically unable to park in a marked bay, let alone do so without blocking emergency access I thought it was a [problem] and a quite ludicrous one at that. And for this reason I have not contacted One Parking Solutions. I have since received a letter from ZZPS Limited saying my unpaid PCN has been passed to them to resolve. The balance owed has now increased to £170. They have quoted Parking Eye v Beavis as a recent Supreme Court Ruling. I have spoken to them and they said I was parked for 12 mins. If I do nothing the matter will be passed to their solicitors.
  11. Recently bought an older car for the "Boss" and have had bother with it. Guy I bought from refuses to repair the car which has developed an MOT failure problem on day 1. Seller claims to be a private seller and advertised as such on Gumtree. Found out this guy has a vehicle repair workshop of sorts and sells the odd vehicle mainly sourced from his brother who is a bona fide trader. Am taking him to small claims court if he doesn't pay repair by local garage. Beware motor traders in Kirkcaldy Fife, bearing the same name.
  12. So a little back story, 3-5 years ago my credit file was HORRIBLE I had defaults a plenty, a CCJ and could not access any credit at all apart from provident doorstep loans. Fast forward to now, I have 4 credit cards 1 x Ocean card with a £400 limit - had for 3+ years 1 x Aqua Card with a £1200 limit - had for 2+ years 1 x Marbles Card with a £2500 limit - had for just over a year 1 x Barclaycard with a £800 limit - had for under 3 months I also have a 4k Loan via On Stride Financial which I am paying off, never missed a payment. And a car Loan via Moneybarn which I have also never missed a payment on. I am sensible now and feel lucky to have the above available credit, albeit it some have high interest rates, but you have to start somewhere right. my credit rating is still classed as poor. My main question is, I currently have 2 defaults and 1 x CCJ on my credit file, 1 default is due to drop off (6 year mark) before the year is out and my CCJ will drop off in the first quarter of 2019 (again 6 year mark since ccj was issued) when these 2 drop off I will be left with 1 default, will my credit rating improve much. When am I likely to be able to apply for mainstream cards such as Virgin, MBNA, Halifax etc......
  13. Hi, My employer raises our payslips on the 28th of each month and pays HMRC to relevant monies at this time. Our Salaries are not then paid into our accounts until the 18th of the following month . I have asked my employer why and he says this is just cash flow and "that's how it is" but we are all in effect always going 18 days without being paid, is this legal?
  14. Good morning, I have found this site via various google searches and really hope someone can help. I have been claiming ctc & wtc as a single person but have a partner living with me. Stupid I know. It was always a case of I will let them know but never have. I have become totally reliant on the money due to large debt issues, payday loans, doorstep loans etc. No excuse, Im just rubbish with money and an idiot. Yesterday I received a letter from HMRC compliance saying they have reason to believe Mr X is living at my address and wish to check a 6 month period of my current claim. I rang up, told the adviser that my partner indeed lives here since the date they are querying, but volunteered no more info than that and was not asked. He said he would stop the claim and a letter will be sent re overpayments (around £3000 I think). He said I do not need to do anything further. Is this all I have to do? Is it only the 6 months stated in the letter they seem to be concerned about? I am terrified they will check my last 5 years of claims as I no doubt will owe tens of thousands. 30000 + I know have been stupid and everything else. Obviously havent slept worrying about the implications of court, jail and so on. My partner knows not a thing about this. Has anyone else ever been in this situation or similar that could give me some idea of what happens next. I am so ashamed of myself and feel ill at the thought of prosecution and it all being made public. Please please can someone reply as I feel bereft. Thank you for reading.
  15. I took my car took to the garage to get the master cylinder replaced on the clutch and when I got phoned to say that may car was ready I was surprised to see the clutch pedal low down like near the floor. And when I went back in to speak to the service manager I got told that Vauxhall only wanted to replace the clutch pipe and elbow..i asked why wasn't the master cylinder not replaced as that's what I got told was wrong with the car..he says Vauxhall wanted to see how that worked first.. so I drove away from the garage as never says anything about if it was safe to drive..so anyways 10 mins when on motorway and when I tried to select a gear when slowing down I couldn't select another gear and having to keep lifting the pedal of the floor with my feet and whilst trying to engage a gear with great difficulty
  16. This is a long story, so I'll try and cut to the chase. Back in 2013 we moved into a property. The landlady who we were renting off asked if she could continue to be registered at the address. She agreed that she would cover all the council tax bills for the property. Two years later we received a letter from the council to "the occupiers" asking us when we moved into the property. We truthfully told them the date. Two months later, we received a massive bill from the council for two years worth of council tax, backdated to the date we moved in. We got in touch with the landlady who admitted she had not paid the council tax. We were now stuck with a £2300 debt when in fact it wasn't our debt. To add to our problem, the landlady admitted she had been illegally claiming benefits from the property whilst we were living there and she could not admit that she was due to pay the council tax as that would lay her wide open to prosecution. We contacted the council and explained the situation, but they wouldn't discuss it. As far as they ( capita ) were concerned, we were liable and they had passed the debt onto Ross and Roberts for collection. We rang Ross and Roberts, who were in fairness understanding, and they agreed a repayment plan which we stuck to like glue. In December 2015 I contacted them to make a payment and they gave us a figure which they said was the amount needed to clear off the debt. I then paid that amount and was told by the lady on the phone that the debt was now paid and we owed nothing more. They would cease any action against us. We didn't think any more about it We got a letter from the council saying we were in arrears with our council tax and they were taking us to court. I went into the offices to talk to them they told me that there was still £470 owing from the previous liability order and that they'd used my council tax payments for that year to clear this off. I explained everything about Ross and Roberts, how they said we'd paid it all off, but the woman insisted that they hadn't collected the full amount and had left £470 uncollected. That was why they were using 2016s council tax payments to clear off those arrears first. After much arguing, they agreed to cease the court action and use the money we had paid for the current years council tax. As for the £470 owing they would simply add it onto the bill and we could repay that on top of the current years council tax over the year. Owing to financial problems we fell into arrears with the council tax, and because as they put it "you have a bad history of paying" they just sent the matter to the courts and we were given another LO. When we contacted Ross and Roberts to sort out payments, they told us that there was still a LO for £470 owing which they were treating seperately, and had added £310 costs onto that bill. Not only that, they added £310 onto the amount for that current year as well. Had Ross and Roberts not told us that we had paid off the full bill, back in 2015, then we would have carried on making all the payments as planned and we wouldn't have been hit with a huge amount of fees, not only for the £470 that they incorrectly didn't collect, but also because that then had a knock on effect for the current year, and owing to us owing the grand sum of £110 for the current year, they whammed us with £310 charges for that. So if you can understand it, we ended up paying £620 in bailliff fees for two liability orders. One for £110 which I accept we owed, and £470 which Ross and Roberts had themselves told us we didn't owe it was their mistake when they didn't collect it as they should have done back when we were willingly making payments to clear off a debt that wasn't even ours in the first place as the landlady should have paid it.
  17. Major crackdown on abuse of 'debt' judgement by rogue parking and utility firms is announced Ministers will pledge action on abuse of county court judgments by rogue firms Anyone who has had a CCJ without their knowledge will have it removed The Govt plans to immediately set aside all backdoor CCJs for those who can prove to a judge that they did not know about it when it was passed. http://www.dailymail.co.uk/news/article-5214075/Action-debt-judgement-rogue-firms-abuse-announced.html
  18. I work for a subsidiary of a large company that has been bought recently by a larger international company. In their restructuring it is looking like our subsidiary is no longer of interest to our new masters, so they'll be selling it on. When this happens will we be made redundant with the old company and 're-employed' on new & undoubtedly sh1ttier contracts, (based on this company's reputation) with the new one or will we just be TUPE'd over seamlessly without issue? If this new company just decides to sell to a company I don't ethically respect/want to work for, then if I refuse to sign any new contract can I claim redundancy as effectively my original contract no longer exists as the company I signed it with no longer exists?
  19. Been reading through the forums about how to manage debt and one thing seems to remain constant in that you work out your income and outgoings and then make an offer to each of your creditors telling them what you are prepared to pay each month over xxx amount of time. That's all well and good but what do you do when you have no income at all or so little income you can just about afford to pay your rent every month let alone anything else. What route do you go down with that one? A little background: My wife had a job in the city with a good salary and that plus my income meant we could pay everything on time and all was good. My wife then became quite ill and could not work and has been like that for the last 6 months. This left a whopping great £3k per month hole in the finances. I managed to plug that for a few months but then my own work dried up and now I am struggling just to make the rent and feed us every month. Right now, as of the time of writing this post we have absolutely zero money at all and huge pile of debts to pay...plus rent of course. So given that situation, how do we deal with creditors? I have a CCJ by the way and have already missed the deadline for last months payment, by a couple of days. I did write to Lowell to explain the situation but of course it's entirely at their discretion whether they enforce the court order or not. My wife bank did give her three months reduced payment on her loan so she only had to pay £1 per month for those three months however they also said they would not load interest on for that time but they have so her debt has already increased by another £1000 and climbing! Also that arrangement has come to an end and despite writing to them several times they have not come back to us (RBS). So what do you do when you have zero finances and need to deal with creditors?
  20. Please help, I am at my wit's end. I contact Jacobs on behalf of my mother, who is disabled and mentally ill. I also cannot say all of the details because she isn't entirely open with me, somehow she has incurred Council Tax debts, we have been making payments to the enforcement company Jacobs since April 2017. These payments started after my mother had ignored the debt for so long, that bailiffs visited our address. I had to pay them a sum of money (somewhere in the region of £300, which I had to go into my overdraft for and am still facing the repercussions for to this day) to get them to leave our property. They did not take any items, and they did not make an inventory of items. I have been making payments each month of £20 since the end of July on my mother's behalf. Before that, we were paying more than we could afford - after sending off evidence of my mother's disabilities and low income, they agreed to let us pay £20 per month. Unfortunately, in December, we were unable to make the payment, I paid double on the 15th of January 2018 (£40) thinking this would be okay. The next thing I know, I have several missed calls from a mobile phone number and a voice mail ordering me to contact Jacobs before they send bailiffs to our address. The woman on the phone was awful - she goaded me to a point where I lost my temper, and insulted her. She was threatening to send bailiffs who would enter the property with or without my consent, threatening to send my mother to prison, and would not take 'we can't afford this' for an answer. On the 18th January, we had to pay £159.25 (which left us in an awful financial situation) to stop bailiffs coming to the address (as we had children on the property and I would rather starve for a few weeks than have them deal with that). From that point I set-up another arrangement so that we would begin paying £20 per month again, starting February 10th 2018, to be paid the 10th of every month thereafter. I made the payment on the 10th, and have a reference number for it. Today, we received letters dated February 9th claiming the agreement has been broken. I called Jacobs and the agent on the phone said I would have to contact collections, as according to their records, I should have paid the £20 on February 1st. He claimed that this is because there were 31 days since our last payment, which is absolutely not true. Between January 15th and February 10th, there are only 26 days. The phone number he gave me was for the same woman I had to speak to last time - I called her, and she was as belligerent and unhelpful as the time before. She said texts had been sent (not received) reminding us to pay, and said she would need to listen to our last call to ensure I hadn't agreed the 1st before she could do anything else. Surprise, surprise, there was no record of that call, and they're taking their own word over mine (despite the fact that I would not arrange to make payment on a day that we have no money in an account to pay with). We cannot afford to pay the charge they are asking for (in the region of £600) and we cannot have bailiffs visiting the property, as we have two young children (both under 6-years-old) in our care due to it being the school holidays. No matter how many times I ask to speak to a manager or someone other than her, this woman will not take the case further. So we're to expect to have people turn up at the property tomorrow to remove goods. Please, any advice you have would be much appreciated. I don't know how much more of this I can take.
  21. Hi My son was pulled over for speeding. The police said that he was doing 55mph in a 30mph limit so would be referred to court. My son is adamant that he was not doing 55mph inside. The police statement says they were standing approximately 300m inside the 30mph zone. We have measured where they said they were standing and it is only 242 metres inside the zone. They have sent a photo of the reading on the hand held device - besides the mph it also says 248.2 m which we assume is how far the reader was from the car when zapped? which would mean my son was outside of the 30mph when zapped. Should he plead not guilty? He is within 2 years of taking his test so if he is given 6 points we think he automatically loses his licence? Thanks in advance
  22. Good afternoon all, I was employed as a contractor with a small company. They advanced me my fee in advance of work carried out and then cancelled the contract and asked me to pay back the advance. I had already used the money for urgent matters but undertook to repay them asap. They gave me a piece of paper with a date to pay back by which I agreed to as at the time I felt this would be enough time. Unfortunately things did not improve for me and despite my communicated intention to pay the debt back they have not accepted my situation and are going to take action to retrieve the money. Unfortunately I am currently of no fixed abode and staying with friends. I cannot give the address as this is obviously not my registered address . They are now threatening to send legal papers to the net of kin I gave on my initial contract. I have given my undertaking to pay back and have been in conversation on email but they are using this as leverage to get me to pay. Are they able to do this legally or can I advise them that this is not acceptable? Thanks very much in advance GIB
  23. 2 days ago I was the victim of a crime in my local town. There was an armed robbery in one of our local shops where thankfully nobody was hurt. The getaway car that the robbers used was dumped in a back street where I live and set it on fire. Unfortunately for me, the car was dumped beside where my car was safely and securely parked as a result of the heat from the enormous blaze, the back end of my car has been damaged. The plastics covering the bumper, lights and badge on my boot were all melted and cracked and my boot door was all discoloured. It's a wonder that it survived the fire at all really what with the size of the fire. I contacted Hastings Direct as I have my insurance policy with them (Hastings Premier - not so premier if you ask me) who told me that even though my no claims bonus was protected in cases of vandalism, I was going to lose my no claims bonus. After hours on the phone and being sent from pillar to post, I finally reached a competent member of staff who assured me that it would be noted on my account that I was NOT at fault, but that I would definitely lose my no claims. What is this about? It is ridiculous! I am not at fault! This was all reported to the police and I have a crime reference number which was given to Hastings Direct, along with numerous photos of the car damaged, and the firemen putting out the fire. The firemen filed a report, as did the police! Can anyone offer me any advice at all please? I am at my witts end and feel like I am treated very unfairly!
  24. I've read in a few places that people who are paid weekly will earn slightly too much in a 5week month and thus end their UC claim, even though their circumstances haven't changed. This is for those in work. I presume this doesn't affect those in the support group of ESA who don't do any work when they're eventually moved over to UC? I.e. I will get a payment every 4 weeks regardless of how many weeks are in a month, which is the same way PIP is paid currently.
  25. Hi everyone, My Daughter has got herself in a pickle - she is going to uni and against our advice re-signed her tenancy agreement that doesn't start till June 2018 my wife was the guarantor but she has not signed and my daughter has not paid any deposit yet. she has now fallen out with the others that she is sharing with currently and does not want to continue staying there next year after the current agreement expires in June 2018. She has been in touch with the letting agents who have told her that there is no way out since she signed unless she finds someone herself to take her place. she only did this due to the amount of emails they kept sending and they were using scare tactics to tell her that if they don't sign some one else will take the property. This and the Uni workload was stressing her so she signed it and now regrets that. is there any way out of it now as Guarantor hasn't signed and no deposit paid ? thanks for your help in advance alix2
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