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    • This is an article from a couple of years ago about how someone won against the council, but it does mention that there are two sets of signs.   https://www.dailypost.co.uk/business/business-news/driver-wins-appeal-over-mersey-13931137   HB
    • Let them go back to court and then force them to produce everything they wont.
    • Impotrant   https://content.govdelivery.com/accounts/UKHMCTS/bulletins/24c3af1 How will the new process work? The process for applying for a warrant of control will remain the same; creditors will continue to use the existing application routes of either a paper application form via a local court or an electronic application on Money Claim Online (MCOL). Following a successful application, the warrant is issued to the relevant Warrant of Control Support Centre. The centre will then manage the warrant for approximately 12 days. During this time, trained staff will: Attempt to contact the debtor by telephone or SMS, using any contact details provided on the warrant application form. They will check that the debtor is aware of the judgment; speak to them and inform them that a warrant of control has been issued; and provide them with further information about next steps, available options and signpost them to debt advice services. Identify potentially vulnerable debtors and will offer additional support via specialist agencies. If a debtor is identified as potentially vulnerable, still will inform the creditor and ask how they wish to proceed.
    • Good Afternoon,   It would be greatly appreciated if you ladies and gentlemen can advise me what direction I should take, my problem is since we moved to our semi house my neighbour has made our lives hell constantly whinging and also accused us of damaging her property. Basically a blame game from her even though we have never done nothing whatsoever. She Even tried to put a anti social behaviour on me due to me refusing to pick up leaves from her garden saying the leaves belong to your trees. She asked me to replace the fences on the boundary which is my responsibility but here is my dilemma my side of the fence which has the feather boards there’s no rotting whatsoever due to me putting wood preservative and maintaining the fences, on her side where the framework batons hold the feathered boards have rotted away and the fences have collapsed due to her negligence of not maintaining her side, even though it’s my fence where do i stand in this predicament? she would not entertain on splitting the cost, i dare not ask. My main concern is that just recently she had her flat roof redone , my roof is pitched and there is a gap in between the both boundaries, but what her roofers have done  they have stuck the asphalt on my roof tiles without any consultation also encroaching on to my side of the boundary. How and what way should i go about getting the asphalt off my tiles, I approached her to tell her to remove the asphalt but was rude. Legally how do i go about it, also do i have a strong case? At the  moment i am a carear for my mother who is on palliative care so i had to give up work to look after her, so my finances are low. Please  i would look forward to your responses and suggestions thank you.   
    • You have no right to reject the car just because an EML warning light has become apparent, you don't even know what the fault is. You should be reasonable and accept the offer to repair. You should be working with the garage, not against them.   
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    • My personal experiences of Future Comms 
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
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Why do car insurance firms increase policy premiums for people with poor credit history?


I just went online to check out my renewal costs on go compare - my new premium would be £520 - thats with 9 years no claims and 1 accident


So I entered exactly the same details again and the only detail I changed was the name of the driver (made up a name) the address, car, annual mileage etc all stayed the same and the new quote came in at £380


As a previous discussion I had with an insurance firm the person stated that they only do a CRA check to confirm your details - but its quite clear they are using a poor credit rating to up the costs

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Not sure comparison sites would check your credit history for calculating premiums. They might do so to check your identity. I know that some Insurers do use credit record information in part to calculate premiums. It might also inform them whether to offer monthly paymens and if so what interest to charge, if it is variable.


Under Data Protection, they have to tell you how your information will be used. If they failed to do so, they would be in breach of the Data Protection Act.


I just wonder whether it is either just the Insurers system calculating different premiums, as the rates are not static. Or whether the annual amounts shown are based on you paying monthly. So with your correct name, it wants to charge more for monthly sums increasing the annual amount paid. When you change the name, it does not pick up anything adverse from credit records, so offers better monthly payments, so a lot less over the year.


I think it is terrible that some Insurers do penalise those who have had financial issues, by making it even harder.

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I don't believe it's anything to do with paying monthly. My credit file is checked every single time I renew my insurance even though I have been with the same company for over ten years and always paid the full premium up front. As I'm never asking for credit I can't understand the need for such checks and the insurance company have never managed to furnish a good reason. It boils down to 'because they can'.

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It boils down to 'because they can'.


You really have hit the nail fare and square on the head there. They are already on a good screw the govenment giving them extra by making it law that cars will at all times be insured unless sorn.


It's not just car insurance though, it all types of cover. Look at the terms in these rip-off over 50 plans where your terminal value decreases because of inflation, if you miss a payment the policy ends with no refund and you have to pay the premiums for life so can pay in 3 or 4 hundred percent more than you will get back and if you live till over 100, you only get a couple of hundred back.

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