Hi, I'm new on here and could do with some help, please. 12 weeks ago my friend ordered some parts for a roof extension he was making. He was verbally promised that the parts would be with him within the week. He paid a 20% deposit at this point. 9 weeks later the parts arrived and he was happy with them. 2 weeks ago my friend received a voice message from the company threatening court action if he didn't pay up. He then wrote to them (recorded delivery) to request an invoice as he planned to pay. This weekend they eventually sent the invoice for the amount plus £185 Court fees and £20.31 interest. They claim that they previously sent him an invoice. There was no Letter Before Action or any mention of one (if this is important?) My friend feels that he hasn't done a thing wrong and doesn't feel that he has to pay the court fees or interest as all he ever wanted, and politely asked for, was an invoice. Please can I ask for some help? Does he have to complete the court form or can he just pay the fee he believes is owed? Thank you in advance. Here are the details of the claim: Received a claim? Yes Issue Date: 2-10-2014 Amount approx: £5079 Claimant: Roof Trusses Solicitor: A C Jones Original Credit: Particulars of Claim: We manufactured and supplied timber frame panels and roof trusses to Dolycoed, Dolfor, Newtown on 8th September 2014 on behalf of the defendants who had ordered these from us. Our invoice TF4-34647A for the balance of £4874.22 remains outstanding - this invoice should have been paid on delivery. Despite numerous requests for payment nothing has been forthcoming. Neither party are responding to voicemails, letters or emails. We are not aware of any reason why this has not been paid. Interest is now payable at a rate of 5% per month as per our conditions of Business/Sale which currently equates to £20.31 Stat Barred? No Have sent: Other Info: 12 weeks ago my friend ordered some parts for a roof extension he was making. He was verbally promised that the parts would be with him within the week. He paid a 20% deposit at this point. 9 weeks later the parts arrived and he was happy with them. 2 weeks ago my friend received a voice message from the company threatening court action if he didn't pay up. He then wrote to them (recorded delivery) to request an invoice as he planned to pay. This weekend they eventually sent the invoice for the amount plus £185 Court fees and £20.31 interest. They claim that they previously sent him an invoice. There was no Letter Before Action or any mention of one (if this is important?) My friend feels that he hasn't done a thing wrong and doesn't feel that he has to pay the court fees or interest as all he ever wanted, and politely asked for, was an invoice. Please can I ask for some help? Does he have to complete the court form or can he just pay the fee he believes is owed?

Hello, Just wondering if any of you know whether this is possible. I have a card that allows me to hold balances in different currencies and transfer / exchange between them at the inter bank rate with no fees. If this card is holding a value of Euros, does anyone know if it possible to withdraw these anywhere ? Would a bureau De change allow such a transaction ? Is there anywhere that can and will facilitate the withdrawal of Euros or allow the purchase of them with payment in Euros ? Would like to have some cash in hand before traveling abroad and would like to take advantage of the favorable exchange rate and lack of fees if possible. Hoping some more experienced travelers may be able to advise. Many Thanks.

Hello all, this is my first time posting on here. I have been sick with worry regarding working tax credits and the new rules. I am self-employed and have been claiming WTC since July 2014. It was very helpful towards costs and I am not disputing that BUT the new sanctions were causing me anxiety. I renewed my WTC last Fri but telephoned today to withdraw the claim. The guy was very helpful and I explained that I am going back to college in Sept and will be doing a lot of unpaid placements, and, as such, my working hours and income will fall. He withdrew my new claim but said I will have to pay back the money they have been giving me since 5 April this year. No problem, I thought as much, and so I won't spend it. But now I am reading horror stories about people being charged extreme amounts in over payments and I am worried this will happen to me. I have always been above board with my claims. i.e. 2014-15 I only earned £1880, and 2015-2016 I earned £3214 (declared on the WTC claim I want to withdraw). I think I am within their £2500 limit when it comes to an increase in my income, but I am so scared. I was receiving just under £54 a week. Can anyone advise what the likely outcome will be? I am a self-employed author and so my hours were indeed long (proof as the books have been consistently coming out since early 2015). Sorry to ramble on, I have high functioning aspergers and quite bad anxiety and the people who I turn to for emotional support are not here at the moment. So this is a very worrying time. Thanks in advance.

I wanted to know what the new rules are with regards to withdrawing consent for the WP to share your info/contact people on your behalf/claim their fat payment for my hard work when I get a job .. as I am sure I read it had changed since last year, also coincidentally each time I attend a review meeting I get loads of spammy job/credit emails in the weeks after which seems a little timely!! Am getting increasingly fed up with the WP provider, by and large I have had a year of having to attend weekly job clubs with slow computers and the like but since I hit the year mark it seems to have ramped up big time, I have a good work history with good companies and a degree and the minute my latest advisor saw it his eyes lit up and I have been pestered left right and centre. I was upped to two job clubs a week and also appointments/training sessions/interview techniques etc on one or more additional days a week and it was getting silly and made me ill so I had two weeks off with stress symptoms. I then had more blinking appointments and changes to my job clubs and was told a few weeks back at 1pm on a Monday that I was to stay after job club that day for extra sessions looking into agencies and applying for more jobs for 2 hours each day that week (mysteriously my letter had 'got lost in the post' telling me this), I kicked up a bit of a stink as I am a single parent and said I had to pick my son up from school at 3 so those times were unsuitable, so with a bit of looking at bus timetables he relented to sessions from 1-2.30 each afternoon that week which was still pushing it as am reliant on public transport which is never the best, I attended the first and then had enough, got upset (I am on antidepressants and suffering severe anxiety at the moment relating to a thyroid condition I have just been diagnosed with) and I decided to get another doctors note for 2 weeks. During this two weeks I had a letter from them saying I had to come in during that time and I politely told him NO, the day my sick period ended there arrived a letter saying I had to attend a review appointment in 2 days time and I just knew he was going to mess me about, sure enough on the Friday afternoon at the appt he says I need to up my attendance to daily sessions of 4 hours, which means dropping my son at school, a 45 min bus journey there, then getting back in just enough time to pick him up, I protested that I had a PC at home and why did I need to do all this on their premises and he said I might 'get distracted' at home (as opposed to their noisy office of course!!), that I had appts to arrange and so on which were being neglected due to them calling me in all the time willy nilly saying they are mandatory and have to attend, and he said as I was a jobseeker I should jobseek during those hours, I have no prob doing this, my JSA agreement says 5 jobs a week and they say 10 which I do easily and have never not done, he is also pressurising me to do full time work/get a better off calculation for FT work, which my JSA flexibilities say I don't have to pursue due to being a lone parent, there is no mention of any beneficial training, and any suggestions for that or clothing for interviews have been shot down in flames, its just flaming jobsearching in their offices every day, presumably so I can't attend any interviews without them knowing and that I get fed up with the arrangement. Its not as if I am not trying to get a job, I have had about 6 interviews in the last few months but none successful, am really fed up with the situation with the WP and its making me feel worse, we are reviewing the situation tomorrow after my session and I know he is prob going to suggest the same again next week when I have 2 inset days at my sons school, I really just resent the fact that they think they can pressure me like this and assume I have no plans for the week or anything else to do, and then get a nice big payment for MY efforts at the end of it all so want to know what my rights are, unfortunately at the beginning I signed all their docs as I was being too blinking nice!! PS. Sorry this is a bit of a rant having looked at it, but felt good to vent!!

I have 2 court claims i am involved in at the moment. One of them the claimant has supplied the information required and i accept i can continue no more I sent a letter to the solicitor with an income and expenditure form as i am on ESA requesting that they contact their clients to discuss a Tomlin Order. Any judgement received will be subject to a redetermination and probably pay it back at £1.00 a week I requested a Tomlin order instead of a judgement as it would be beneficial on both sides. The solicitor has just written back to me requesting i contact the court and withdraw my defence, and give proposals for the Tomlin order. I am worried that if i withdraw my defence after contacting the court judgement will be immediately made for the claimant. Taking into consideration i am on ESA, what proposals for the Tomlin order would you think is acceptable for them to agree to a repayment schedule to avolid judgement. I only have just over a week as a time line Thanks

Hi All I really hope someone can advise me! I entered into a rent to buy agreement in August 2011, paid an 'option fee' of £15,000, and have religiously paid my rent/deposit for my house each month. The contract expired in last year, and a new contract was offered to me in July. For various reasons (illness) I was unable to respond for 2 weeks, so my LL rings me and asks if all was well?? I explained not really, I was very ill and had taken time of work etc etc. He offers my a short term tenancy (just an email) for 4 months (where I pay £600 less), with the option to go back to the original rent to buy agreement if and when my situation improves. I have informed my LL twice (via email) during this period that I would like to go back to my original agreement but now he says he wants to sell the property and would be serving me notice!! Can somebody please help me with advise??!! I'm really stressing out as I just wish I had signed the damn contract in July!! Many thanks

Hi there, I'm a 21 year old driver, and I've unfortunately had 2 incidents in the past year of someone reversing into my car whilst parked. The 1st one caused major damage, and needed me to claim on the insurance. The 2nd, and most recent, incident involved someone reversing into my car, but causing minimal/no damage (once I had been able to inspect the car the following day in the light). Due to my age, my insurance will increase by at least £400 over the next 5 years because of this additional non-fault claim. The third-party is not returning calls to their insurer, so liability has not been accepted. Is it possible to call my insurer 1 month down the line and say that I feel I may be mistaken with regard to the damage and that the incident was not as I recalled (e.g. the driver did not touch my car)? I ask this as I'd rather not have my premium increase by £2000 over the course of 5 years due to an incident that wasn't my fault? Many thanks

Hi there I resonantly agreed to use a letting agent to manage my property. I received an email from the agent 4 days later after new tenants moved in that a contractor has already completed maintenance in respect of cleaning for removal of rubble and received an invoice of £220 which will be deducted from the next rental collection. When I instructed the agent to handle the rental of the above property I was not given any details or phone call of other charges. As per the ingoing inspection & photographs...the property was left in a terrible condition by the outgoing tenants (unfortunately I didn't use a letting agent with previous tenants and let down, but that's a separate issue) The new tenants could not take occupation of the property prior to cleaning & rubble removal. Therefore the office proceeded with the cleaning & rubble removal as a matter of urgency, in order for the new tenant to take occupation. The agent states there was no alternative but to have the property professionally cleaned & for the rubble to be removed. (I agree, it need to be cleaned but the agent should have notified me by email/phone as per the agreement to give my consent) The agent states that under the circumstances they were acting on the landlords best interest & to accommodate the waiting tenant had to act quickly. Therefore this is an exception but the contract does not allow for any exceptions. I believe the agent is liable for the cost, however there are two clause stating 1) Attend to do repairs and general maintenance of the premises as authorised by the landlord from time to time 2) The Landlord authorises agent to incur reasonable expenses relating to the general upkeep of the PREMISES for which the LANDLORD may be liable in terms of the LEASE AGREEMENT, and to set such expenses off against monies collected by agent on behalf of the LANDLORD from time to time. It is expressly agreed that the reasonable maintenance expenses referred to above shall be limited to £100.00 (plus VAT) per occurrence. If any repairs are reasonably expected to exceed this amount, payment of such expense must be authorised by the LANDLORD. My concern is after indicating these two clause to the agent they now are treating this agreement unfairly. The agent confirmed that they will not hold the landlord liable for the entire cleaning & rubble removal invoice, £220.00...but only for £100.00 as per clause of the authorization. I am concerned about this as the agent treated this issue unfairly; the agent did not follow protocols and have breach the contract. By all these acts, what will the future hold for their next defence when dealing with any issues in a prompt and professional manner if they already acted dishonest and caused me severe problems?

Hello, I wou1d just like your opinon about withdrawing and re-submitting ET1s. (I did post something similar in my original thread, but no one replied) On or about 14/05/12 an act of discrimnation happened which lead me to raise a grievance. (I did not realize that act of discrimination happened on that date until after I got the grievance investigation results.) On 25/05/12 I raised a grievance. On 12/06/12 I had a grievance meeting On 26/06/12 I filed an ET1 On 12/07/12 I received the results of the grievance investigation. New info came to light. On 22/07/12 I appealed the grievance On 18/08/12 I had my grievance appeal On 31/08/12 I had my CMD On 11/08/12 I received the results of the appeal investigation - some of which contradicts the orginal investigation. New info came to light. If I withdraw my original ET1 and Submit a new one will I be out of time? or is it adviseable to submit a second ET1 with the new information. Thanks, GP

Hi All, I took out a Loan with Payday Express on the 1st September in order to pay an urgent tax bill that i received last week. I have now been given the money from elsewhere and called to ask if I could cancel my loan for £735. I was told yesterday (and just now) that as this is not my first Loan with the company I am not allowed to cancel the agreement and must pay the full interest on top of the loan amount. This is stated in their terms and conditions also. However, I am sure that I have a legal right to be able to cancel this agreement (obviously paying the interest for the days incurred on the loan). At present, it seems as if there is no budging them, but i refuse to pay the full amount as i cannot see what difference it makes as to whether this is your first or 100th Loan with the company. Any advice would be greatly appreciated. J

Good Morning Out of curiosity is there a way you can stop this happening without needing to change bank accounts? I know the obvious answer is 'just pay off what you owe!' Looking for anyone who has managed to stop this happening? Thanks very much