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    • Thank you for the summary you have given. I think you will need to commission a fully detailed point by point report which identifies the issues, the cause of the issues and then separately a quotation for resolving them. I think you need two quotations – comparative. Do you know the name of the person who owns TB plastering? Do you know their address? Do you know they have any assets? It sounds to me as if it's going to be quite an expensive job. On the basis of what you say, if you bring a legal action then you will have no difficulty getting a judgement in your favour the problem will be enforcing the judgement. What address do they use on their bill? You need to have a look at the land registry web check service for about three quid check to see who the owner of a particular property is. Of course you could simply wait until they decide to sue you and then bring a counterclaim but there is a big chance that they won't bother to sue and so it may be down to you to take your own action to undo the mess they have made. Come back here when you have found this out
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    • The first thing is to let the surgery know that you didn't enter your car registrtaion when you visited and ask them to confirm to Euro that you were a patient on that day and Euro should cancel. The quicker you do that before matters escalate, the more lkely that they will cancel. You could suggest that  they put up a sign reminding drivers to enter their vrm. thank you for posting the whole of the PCN which confirms that it does not comply with the Protection of Freedoms Act 2012 Schedule 4 Section 9 in two ways. [2][e] of S9 states (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; Your PCN does not. All it does is to ask the driver to pay which is not enough. In addition under [2][a] the PCN should specify the period of parking. Instead it gives the arrival and departure times of the car as it passes the ANPR cameras which is not the same. That means that you as keeper are not liable to pay the PCN only the driver is now liable. Courts do not accept that the keeper and the driver are the same person so proving who was driving will be difficult for Euro.
    • Pro peace/anti war/anti-atrocity marches which included many Jewish protestors carrying banners (as previously linked)  decrying the atrocities of Israel and the IDF such as 'Not in my name' 'Never again to ANY people'   Although a very small handful of unconscionable Hamas supporters were among the many MANY thousands of pro peace protestors, even they displayed nothing like the hatred and violence demonstrated by the 100 or so far right rabble who attacked police, tried to attack the peaceful protestors and then attempted to violently breach the cenotaph itself. The pro peace/end atrocities in Palestine protests have remained largely peaceful despite ongoing atrocities by the state of Israel and the IDF.   Even today, unarmed starving civilians in a supposedly safe camp in Gaza were murdered by shelling and bombing from afar by Israeli forces, while violent Israeli settlers have forcefully deposed more Palestians from their homes and lands on the west bank with the aide and support of Israeli military forces - just as the Israeli forces are forcibly relocating civilians in Gaza with even more horrors, atrocities and violence. These atrocities by the IDF in Gaza include starvation, forced relocation, bombing homes, health centers and refugee camps, denying food water and medical support, murdering journalists and health workers and the mass murder of women and children  .. are growing alarmingly and horribly reminiscent of some of the similar but wider scale utterly monstrous genocidal atrocities by Nazis on the Jewish people, which makes these actions by Israel and the IDF even more unconscionable and deplorable.  
    • Hi all, I was wondering what peoples thoughts / advice is for my following situation. Unfortunately, I have been caught speeding on the m6 - 56mph in a temporary 40 zone. I did not realise that the speed for the current stretch I was on, was reduced to a 40, I knew that some parts was bought down to 50mph but not 40. Ultimately, it is on own fault for not being more focused at the time.  I was wondering whether anyone caught doing similar speeds over the limit have been offered a speed awareness course. My letter states that the records show I have not met the criteria for a speed awareness course, which I feel is harsh given this is my first offence & the threshold for consideration is upto 53mph as stated below, our speed narrowly exceeded the limit and falls within the guidelines set out by the National Police Chief Council (NPCC) up to: 31 mph in a 20 mph area 42 mph in a 30 mph area 53 mph in a 40 mph area. Could I argue that my speedometer is not entirely accurate as such I should be considered in the 53mph bracket above and considered for a speed awareness course?  
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I lied on a loan application


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I have looked around the forums, but can’t find anything that helps me solve a problem I have.

 

Around 2005, I took out a loan for £25k. Thinking back, I’m certain that I owed the bank about £7k for a previous loan. The new loan repaid the old and I got the difference.

 

Jump forward to 2012. My final payment for loan 2 to the bank is made. I had never missed a payment and the loan was repaid in full.

 

Here’s my problem … I lied on the loan agreement. It has always bothered me. I was unemployed at the time and the bank chap basically guided me through what to write on the loan application to get the loan. I claimed to be employed and earning … (I actually can’t remember what I said I earned).

 

The issue I have is that I know I lied. Even though I repaid the loan, I lied. Even though the bank chap explained what I should write on the paperwork, it was me that lied. I understand that people will probably find this post amusing / silly as the loan has been repaid, but I find the guilt overwhelming.

 

My question is, is the fact the loan was repaid in full, on time, any kind of mitigation for the fact I lied ?

 

Many thanks.

J

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Its always wrong to lie, but if the loan has been repaid in full the bank has suffered no loss. Yes I think it is mitigation.

 

Is this just a moral problem or is there something more?

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Hi,

 

I'm sure Steampowered will clarify this but, as far as I understand it, it would have only been a potential issue if you intended to take the money and run. It's clear by your actions that you never intented to cause the bank a loss, as such I cant see any significant (i.e. criminal) wrongdoing. Try not to worry about the moral element, I can tell you wouldn't do it again. And that's enough in my book.

 

Seq.

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Many thanks for your comment, Seqenci, I appreciate it. I was hoping things would be viewed as you wrote. Honestly, I don't know why it bothers me so much. Other than the readers here, no one knows what I did.

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