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    • Thanks for your advice . I returned the notice of prosecution form saying I was the driver and put a letter in saying it was the wrong road. Today I received another NIP with different reference number on it but this time with the correct road and the same time and date and speed as the first one . I am a bit confused do I send this back aswell and hope they don't fine me twice . 
    • If you have five minutes, this is Jolyon Maugham on LBC talking to James O'Brien about Lord Bethell allegedly not having records of messages he sent and received on covid contracts. Lord Bethell may have slipped up here, according to Jolyon.   https://www.lbc.co.uk/radio/presenters/james-obrien/lord-bethell-breaking-phone-could-be-criminal-offense/  
    • Sorry been floored with Covid and only just starting to get better!  lloyds have replied to SAR request for last payment info saying they aim to send it on by 24th August. No CCA or anything further sent from Nolan’s either since 29 June.  DX can I PM you about something else I am concerned about RE this claim pls?   
    • Commerzbank reported operating profits of €32m (£27.2m) in the second quarter of 2021 - a year-on-year drop of 84.2% when compared to the €205m (£174m) it generated in 2020View the full article
    • Please can you tell us the name of the dealer. How old was the vehicle when you bought it? How many miles? How much did you pay for it? Does anybody have any record of the fact that you complain about the engine management light just a few days after you bought it? Is there anything in writing? Do you record your calls? How many miles have you done since you purchased the vehicle? How many miles should a catalytic converter normally last? Of course I expect that you realise that you haven't helped yourself at all by allowing this to go on for four years without dealing with it and you have certainly made things very much more complicated – assuming that there is a solution at all. Like many purchasers of used cars you allow yourself to be conned into thinking that the warranty is the only set of rights that you have. If that the warranty is simply some bonbons which are given to you by the dealer or the manufacturer so that you keep your mouth shut and you lose sight of your rights. As you appear to have done. If you had written to the dealer immediately when this problem occurred, you would have then activated your right to reject the vehicle within the first 30 days of ownership and they would have been obliged to replace it – at your option. Alternatively you could have insisted on a repair and if the repair had failed or they had refused then you would have your right to reject the vehicle. As it is, I think you are in a difficult situation because although you say that it is not your fault that you didn't follow it up, who are you able to blame? If you can point the finger squarely at the dealer then you may well have a case. If you are saying that it's not your fault because the delay was simply brought about because of the pandemic situation then I don't rate your chances. There is no doubt that the dealer should have reacted in the first place and not try to fob you off with a warranty. Similarly, there is no doubt that you should have insisted on your rights at the beginning and you would have been an excellent position
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Hi I wonder if anyone can help? I had a business that went sour in 2006 and debts that had a personal guarantee attached. The debts are made up of historic overdrafts and a business loan. I have been paying about £800 a month off the debt fo:|r several years and thought the figure was down to about 5k. The bank has been reluctant to send me regular statements and even said they are not obliged to do so. The bad debt that has now become personnel (because of the PG) has a 8% interest charge on it. When I eventually got my statement I was horrified to discover that 28k is still outstanding! A book keep friend has now offered to help me but has asked for all the original paperwork including the opening balances (via bank statements) showing true balances when the loans and overdrafts closed, plus the original loan agreement including all terms and conditions. The only paperwork the bank now has is the statement that has now been constructed by the recoveries department. They say they no longer have the original paperwork and even if they could locate it they would have to charge me. As I am disputing the amount I need to get to the bottom of this and I would also like to know if their was any PPI attached another question they cant answer! Anyone know where I may stand??

Thanks if you can help, Roger

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