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    • What part of never use email Never communicate with a powerless dca hasnt been understood?   If you want to do anything which you should as it also protects your backdoor if the debt were to be sold and a DCA were to litigate as it stands..send our sb letter from the debt collection section of our library   Thats goes to the oc as they still own the debt
    • Good afternoon - I've received a parking charge notice from VCS - grateful for any advice - do I ignore/appeal? Can VCS enforce the restricted zone in this way, covered under bylaws (I think)?   Driver didn't notice signage, vehicle wasn't actually stopped by double red lines (as pictured)   1 Date of the infringement 25/11/19 2 Date on the NTK 29/11/19 3 Date received 4/12/19 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? No 7 Who is the parking company? Vehicle Control Services (VCS) 8. Where exactly Bristol Airport - on "privately operated access roads", just outside car park barrier, not car park itself - stopped for 5 seconds to pick someone up, didn't pick them up and drove away when the camera van arrived. Operate under IAS   Thanks in advance!  
    • Hi,    Thanks for any advice I receive in advance.    If I am honest I haven't really cared about my credit file until recently and am just looking for some advice after signing up. I was in a stupid financial position a few years back, i was a fairly typical teenager who didn't care about debt etc but fortunately I have grown up and am looking to improve this.    I have three defaults on my credit file, from February 2014, June 2014 and May 2015.    My question is about what happens when these are removed. I understand that the defaults are removed after 6 years?   But let's take the February 2014 one as an example. In a couple of months time the 6 years will be up on this. At the moment on my credit file it has a default for every single month since that date. In February, does the whole thing get removed or just the first "little red default". So will it actually take 6 years for all these defaults to come off or does the whole debt get removed?   Thanks S
    • Let them pay for their own Xmas party! OK, so from what I believe, it's statue barred (as it's most likely almost 7 years since my last payment), I don't even know how much what was paid it was that long ago, but certainly 6+years ago.   Should I send them a Statue barred letter/email, as I received this today: PENDING LEGAL ACTION We have not received payment of the overdue balance and you have not made use of our online customer portal to set up a suitable and affordable payment arrangement. Our client has authorised us to progress this matter to our Solicitors to commence the legal action against you via the County Court, therefore please contact us to discuss this matter so we can reach an appropriate resolution.
    • the information and actions taken already in this and all the relevant threads is so disjointed and sadly mostly wrong because the OP cant be asked to follow the advice already given that I doubt even the court know what actually happened   dx  
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opted out of pension (serps)

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hi I am 55 this year and not sure what I need to do...I opted out of serps when it very 1st stated late 70's I believe..I carried on receiving top ups from my national insurance until I started working for royal mail from 2003 when these NI contributions stopped.....what effect will this have on my state pension and can I withdraw a lump sum from this or not..i hope you understand what im trying to say..cheers paul

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Hello there.


When SERPS pensions were set up, I don't think you could take the money out as cash, but there have been so many changes that I don't know now, with more coming in April this year.


I would try speaking to the pension provider company or the Money Advice Service and see what they say.




Please let us know how you get on.



Illegitimi non carborundum




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