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  1. Hello. A friend of mine has asked me to look in to the insurance policies that she has just realised were sold to her when she took her mortgage out back in 1998. From looking at the paperwork I can see that there were various forms of insurance but what strikes me straight away is the phrase 'Premiums are recovered from your monthly mortgage repayments. Separate payment is not, therefore required. Please amend your payment when advised'. Does this mean that the insurance was added to the mortgage, and by doing that, my friend was charged interest on both? Apologies for the n
  2. JML82

    Where is my money?

    Ok a bit of a strange one. A friend sent me 10k to purchase a car via BACS (as it was coming from his business account) This was on the 7th February, after 5 working days (14th February) the money had not arrived so I chased my friend who contacted TSB and they confirmed the Fraud team from Metro had been in touch but they confirmed the money was legit and confirmed Metro have the funds. I contact Metro who say they don't have it. Any Ideas?
  3. Hello, I will be grateful if you can please help me if there is something I can do with this notice please. On 23/12 I went to Kensington high street, whilst looking for parking space I saw a sign (attached) and empty space saying No stopping at any time except 7 am - 4 pm, P for 30 minutes. I safely parked my car which was left there for about 15 minutes. I then returned and made way home. I am now in receipt of this notice (attached). I went back there and saw two conflicting signs and wonder if I could successfully challenge it or it was just my sheer stupidity :/ Thank
  4. Hi, I was hoping if someone could give me some advice in best way of tackling the damage to my property caused by my local council this morning. :-x:-x I came home this evening to see my rear gate in the garden which leads on to the access road at the back of the house broken, as well as brick wall knocked down. It appears this morning around 11am one of those caged type vehicles operated by the council was collecting rubbish along the road. From the CCTV footage I have (link below) the vehicle stops outside my back gate, as it drives away the gate at the back of the vehicl
  5. Hi there, I have just been advised my car costs more than it is worth to fix. In my agreement with AF it states i can terminate, or do a repossession: I signed a higher purchase agreement with Advantage Finance 2 years ago on a 48 month term. In my agreement it states that i have multiple options: 1. Early repayment 2. Termination of Rights: "you have the right to end this agreement. To do so you must write to the person you make payments to. They will then be entitled to the return of the Goods and to half the total amount payable under this agreement.
  6. Hello, I got a PCN from CPS Midlands Ltd, I looked and they are not registered with the BPA (British Parking Association) and they also not registered with the IPC (International Parking Committee). I checked through their members today (17th of July 2018). I paid £2 initially for parking and got a machine error and the machine did not accept any more change. And it does not accept cards either. I then paid £5 and got my parking ticket which I displayed on my dashboard. There were two machines at their premises with the same tariff sign next to each. One of their machines were inacce
  7. We recently had a neighbour park over the edge of our driveway - they were asked to move their car but refused, we called the local council who sent a parking warden on a scooter. When he arrived he confirmed the car (shown in the photo) was over the drive BUT I thought over the edge begins at the stone that tapers down to meet the road (Point A) where as he said only the last 10cm of the car was over which is more like Point B in the photo. Which is correct? Also 3 days later a Police Man came to our door about the incident - no idea where they got our details from we
  8. Good afternoon I need some advice on who is responsible for getting my car repaired please. I have a Skoda Yeti on personal contract hire. My car suffered some minor damage to the o/s/r door at the beginning of May and at the time there was no other apparent damage. The car was collected by DLG Autos Orpington on Tue 22 May and returned on the morning of Sat 26 May. The next time I drove the car was on Tue 29 May when I drove to work when I noticed that that, apart from a small deep scratch on the driver's door that there was a knocking noise coming from the front of th
  9. On 11/05/2018 at 12:36 I was amazed to spot a gap in the red and yellow lines on the hospital perimeter road close to the Willow Annexe which I was visiting for pre surgery assessment. Since I have very troublesome arthritic knees and ankles only having a 200 yd walk was like a gift from the gods. The gap in the lines was twice the size my car would need and I assumed that whoever had been parked there must have just moved. I parked up and went off to my appointment. When I came back, to my astonishment there was a ticket on the windscreen. I took some photos to prove I wa
  10. Our house was repossessed in 2009 and sold at auction to recover the outstanding mortgage balance. The sale left a shortfall of £25K+ which the lender came after me for, and being in our late-60s with no savings, assets or investments following a business collapse this is being repaid at £5 per month from Pension Credit sole-income. At this rate it would take over 400 years to settle. I have twice formally requested that this be written off, as it is clear that there is now no expectation in retirement of there being a substantial income or a radical change of circumstan
  11. Where do I stand Hello I am desperate for some help. My car was taken to a garage in May 2016. Although at first there were problems getting parts, I paid a £500 deposit to get it done. I have been pushing this garage to get my car done as have messages from the garage owner saying that it will be ready July, August, December just pushing the goal posts further and further. Because its the headgasket the car was not moveable. I have been in constant communication with them for nearly 2 years. Finally I arranged for the car to be picked up as I could not
  12. 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
  13. http://invodesk.com/captivating-black-metal-bookcase/attractive-black-metal-bookcase_semi-open-design_three-shelves_four-caster-wheels_modern-style/ I'm looking for a sturdy three shelf rack for stacking printers on. It must have casters. I can't for the life of me find where I can get one of these systems in the picture – but it's ideal but there may be something just as good if anyone has any ideas. Ta
  14. I need to contact Copes Solicitors. I tried contacting their address at The Courtyard, St Albans, but the letter was returned saying that they were no longer at the address. They used to work for Transcom. Does anybody know where they are now? thanks
  15. Hi, We are a married couple. We are entitled to tax credits but not universal credit (due to savings). However next week I am going abroad (out of the EU) where we are building a house. We are still a couple but as I understand it with me being out of the country I cannot be on a tax credit claim (even if this would reduce the amount we can claim). I'll probably come back to the UK in September, but that's not yet certain - it could be later but not earlier. Wife will come to see me in August for a month (she works in school so no problem) Apparently UC is bei
  16. Apologies as I've probably posted on the wrong board! I've just returned from holiday. Before I left I read a thread that I really wanted to respond to but didn't have time to do so before gallivanting off to Florence. I'm pretty sure it must have been a legal thread. Essentially I recall it being about a magistrate remonstrating with a defendant who pleaded "not guilty" when the Mag thought they should have plead "Guilty". I think it was about "historic debt collection" and possibly TV licences. Anybody point me in the right direction? I've looked but can't find it
  17. Hi all. I am in the process of moving my mum from the awful Talktalk to a company more reliable and trustworthy. However, it has come to my attention that Talktalk have been taking not one but THREE payments a month from her account. What's more, it looks like this may have been going on since 2013! Things are not making much sense to me I need to dig a little what I know so far is this... There are two amounts being taken for Talktalk and one for Talktalk mobile. She does not have a Talktalk mobile and certainly only one phone/internet line. I recall seeing a p
  18. Armed forces domestic abuse: where to get help READ MORE HERE: https://www.gov.uk/government/publications/armed-forces-domestic-abuse-where-to-get-help The above link leads you to this link: https://www.gov.uk/government/publications/armed-forces-domestic-abuse-where-to-get-help/armed-forces-domestic-abuse-where-to-get-help
  19. Vodafone mis-sold me contracts on my account and have refused to cancel them as requested. This has been going on since June last year, even the Ombudsman didn't seem to see where I was coming from legally, but agreed Vodafone had made errors in handling my account and complaint and there was a shortfall in service. The Ombudsman also told me about an invalid charge on the account (which Vodafone have not admitted to me) and a voicemail I was apparently left regarding a credit to the account they were making, but neither has appeared and reduced the balance I'm being asked to pay. If a comp
  20. In the main area of the forum a few days ago, a debate took place regarding a question from a member of the public regarding a letter that he has received from a firm of bailiffs in relation to a Liability Order granted 6 years earlier. The OP wanted to know whether the Liability Order was statute barred (which it is not). Another poster advised that a complaint to the Local Government Ombudsman should be considered and that the LGO may likely make a finding of 'maladministration'. The following two LGO decisions would indicate that a complaint to the LGO would not amount to 'maladminist
  21. Most days we see a number of complaints on CAG, where DVLA have not received notifications sent to them in the post. This leads to letters, court claims and sometimes bailiff visits. Can CAG please publicise what DVLA notifications can be done online, as it might save people having problems, after notifications e.g vehicles sold, get lost in the post. https://www.gov.uk/government/organisations/driver-and-vehicle-licensing-agency The link above confirms what can be done online. Personally, i would not send anything in the post to DVLA unless i had to and then i would keep
  22. Quick summary: - I owed about £200 in tax, which was passed to Rossendales - Tax was paid directly via HMRC website - Rossendales requested proof, which I sent - Rossendales then tell me HMRC say this relates to another debt (even though the payment reference shows the correct debt) and for me to send a payment proposal. - I send an SAR to Rossendales requesting among other things, a transcript of the conversation with HMRC about this being the "wrong debt". - Rossendales write back saying: "Sorry, we are not the Data Controller, send your SAR to HMRC" Question - is Rossend
  23. Hi, sorry if this is the wrong place to post but need some advice about a reward card from bt. been waiting since last November !
  24. Where are we going with Renewable Energy in Great Britain Just starting a thread on renewables.Just a few articles. Please add articles and comment if you like.I will add some more articles as time goes by. Had to start somewhere, hopefully with your ideas, knowledge and thoughts, posts we can see what is happening in Great Britain and elsewhere. See where we are going, how we are doing compared to the rest of the world. Who wants it who does not. And for what reasons. Is investment falling or rising? How many jobs being created, things like that. Ever since someone gave me
  25. Hello. I really appreciate that this forum exists and I hope someone can give me some advice on how to proceed in this situation. I recently received a CPM Parking ticket for the car park of the flat where I am a leaseholder. I was away at the time and the building management company had told me (in writing) that they would inform me (and all lease holders) when a new parking management company took over the car park. Needless to say they didn't. They are also saying that the parking company did a mail drop explaining the new system. Apparently they did but I didn't see it, I have
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