Question: My wife received a couple of cheques (1 in Jan and 1 in Feb) from HSBC apologising how she was dealt with back in, yes, 2008. Now should we inform HSBC of our current address because they were forwarded from our previous one? The reason I ask is that redirect from Post Office expires in September.

Short answer is ... They can't! They cannot re-issue another PCN unless at the time of the contravention. What I would say is they you do tell them and they can simply cancel the one issued in error. They will probably thank you for telling them (I think)? LOL

Normally when you get a parking permit (unless a virtual one) the letter arriving with it either separately or attached usually tells you about checking daily. If this is not practical then get a neighbour or someone to check for you. Cars are an emotive issue however just imagine your car getting vandalised or stolen and what the insurance company (or Police) would say if you offered a defence of 'I've been on holiday for two weeks'? Having found out the hard way myself, I always check 'my pride and joy' is okay, probably way too often. Dependant on the council they either remove, relocate or simply ticket a vehicle in a suspended bay. Can you imagine the upset if your car is left and your neighbour is having works done on their property or have a removal vehicle when they've paid the council to suspend a bay and it cannot happen because of you? Now put yourself into their shoes and what your own reaction would be if it happens to you?

Dropped Kerbs are normally processed by the owner of the property whose drive is blocked contacting the local council. Where a council operates a removal / relocation system they will probably want confirmation (on arrival of the removal vehicle) by the person reporting this (the home owner), normally by signature. Dropped Kerb (code 27) is not normally processed unless requested so it's probably the owner of the property considered this unacceptable? Resident parking permits allow parking within allowed areas. This does not give any 'extras' so you have to park where you are allowed to and obviously not obstruct. Personally years ago some well known delivery company driver blocked by driveway and he arrived a bit upset (and red faced) for me calling his company ... ahem, I did give him an hour and I guessed his 'delivery' was non standard! LOL

Thank you all for the replies. I decided to replace this with another one. I think way too much 'chasing up' with probably getting 'banned' from them for expecting something that was quite valid. Hopefully this will not happen again and alas the 'unauthorised' repairer never replied when I said their repair failed. Something not to be repeated. M

Thank you so much for the reply. Nosed around in vain! The value 'new' is now circa £249 Spoke to Argos and they are telling me £30 and that's final as I had it repaired unauthorised plus 'Gassing' is considered natural wear and tear. I gave them a dozen chances to knock money off a new replacement and they totally refused. The failure is back to what it was previously - Code 5r. I cannot believe that they would not consider their decision and appeared uninterested that I might pursue this in a CC. I look in amazement at the 'wriggling' to fob me off with them saying I got it repaired so it's no longer their problem. Is there something I'm missing here?

Back in late October 2014 we purchased an Hitachi Fridge Freezer. One of those amazing offers reduced from £499 to £349. In mid April it failed with a code (5r) being displayed. I called Argos and was advised that I should find a company to check it out and produce a report then they would make a decision. The mention of 3 and a half years was an obstacle I was told. Just how hard to find someone anyhow eventually (and a mini fridge purchase later) I find a local company. 2 visits and 2 hours later they decided it was an exceptionally small leak over time and repaired it. They had a charge whatever plus an additional charge for the re-gassing. Come late May I write to Argos and get a fobbed off reply that I used an unauthorised company (what?!) and they offer me a £30 store voucher. This is NOT April the 1st. I then reply again and again I get a letter after a month still offering a voucher and it appears I've been 'dismissed'. On Sunday 5th August and two months has passed we are back to that '5r' fault display. The unit has totally failed and I'm in despair. What can I do?

Thank you so it seems that no one in this situation is protected. At the whim of the Landlord you can be evicted with simply 2 months notice?! Amazing how this type of 'easy' thing came about?

Thank you for that kind reply! Michael

Hmm, so okay he really wanted us to leave because he wants to sell the property (and I've no idea about how long is left on the lease). I've managed to 'swing' it so we are still here however my concern is how someone can so easily with little effort decide to issue an eviction notice and 'kick you out' (as it were?). My question is broadly on advice as to where I stand in this type of case. Can someone just at a whim evict people for example?

Yes, I'm concerned that this will happen again and if it does what to do about it.

Okay here goes... After 13 years being a private tenant with a private landlord he decided to re mortgage the property. He's spent zero over that time except installing a new (£3500) boiler. He was a bit upset that as we smoke the place is simply ageing and has not been redecorated since god knows how many years before we moved in. He gave me the intimation that we should redecorate and keep the place 'sparkling'. It's a ground floor flat and since 2005 have never received an annual tenancy agreement. The annual gas safety check is sporadic as well ranging from 12 to 20 months. So as there was a deficit in rent totalling some 30% of monthly rent he decided to (on the cheap) issue an eviction notice (2 months). Since that I've spoken to him and actually he's very pleasant. He's agreed that with the arrears (now) paid and £100 extra a month in rent to forego the so called eviction. The months have passed however I feel a bit 'miffed' that he was IMHO pressuring us. Could someone tell me if his actions were warranted as he claimed he made so little he had no other choice than to consider selling the property? Okay I understand that in the area we are in the rent should be a lot more than we pay even with the £100 a month increase however he uses no agents so all it is, is we are paying his mortgage. M

Personally I doubt whilst HSBC have written over the rights MKDP don't have 'all' your details from them. I'm guessing you had numerous letters from DC Solicitors (in house HSBC people)? It's simply their procedure. Now you are going to start receiving calls from MKDP, believe me you will receive many! With someone like HSBC they have a simple procedure. Each month unpaid (whatever) registers 1 point. So if you said paid half of the monthly payment it would be 0.5 point against you. After a full 6 points it'll generate a 'default notice' which needs to be checked carefully to say the least. DC solicitors follow and of course your current predicament now it's got to MKDP. That's the background so there are many people on here who can guide you further. Michael

Thank you (so many times!!!!) citizenB. I'm now going to send these two CPR's pff and even call the court to verify I have the 14 day extension as their web site seems a little lacking on this. I look in amazement at this type of underhand procedure that a company might engage in purely to prolong things. Just a point here that I received two letters (out of the blue) yesterday from 'Cabot' advising me of unpaid debts relating to the years 1988(!!) and 1998(!!) - My wife was concerned and I looked on in simple disbelief! Michael

Hello, THANK YOU!!!! Dare I add that I have the actual originals sent to me so if they 'manufacture' anything I'll tear 'em down in shreds (well hopefully)! LOL I'll send you the letter I intend to send if you could verify it's okay maybe? I'm personally so incensed that as with the 'nasty' DCA's they have decided to encompass delaying tactics to extend CRA entries to like over 10 years knowing full well after '6' they'd have failed. I guess in the end they are really 'all the same'. Enduring up to 6 calls a day (Monday to Saturday) for 2 years I suppose the end was nigh? Michael

Hello, Is there someone who could advise me regarding an HSBC defaulted loan passed to MKDP. The loan was defaulted (with a defective by date Default notice) in mid 2009 and passed to MKDP in 2011. I have now received a CC summons from Northampton Court from MKDP. I might add that whilst I have the originals from HSBC I'm having difficulty in locating the 'handover' to MKDP. HSBC also having passed the stuff to their initial Metropolitan services and then solicitors never issued a CC summons. I'm assuming because they realised that it would be futile due to the defective default notice. I'll add that no CRA would delete the default and I realised if I pursued this I'd lose and they understood the same from their prospective. Some help would be more than welcome. Michael

Well thank you for that response. Appreciated to say the least. I'm guessing this company relies on their so called 'customer service values' for what that means. They say they want to be fair however the knockdown is they really live as most insurers that when renewals come up their current customers will simply rebook with them. These days not such a good belief. Personally I spend my one hour a year using god forbid, martin's money tips and work through the suggested sites to visit. I can assure everyone that it's a godsend and in one year saved me a fortune. Hastings Direct as all vehicle insurers somewhere to have their first years renewal and leave! Michael

Hastings Direct... Due to an unfortunate circumstance i ended up paying them 'two'(!) days late. The=y had a penalty charge of £20 and added it to my monthly payment with interest. I asked them to rescind that and the answer was 'If we do it for you we'd have to do it for everyone' I retorted with 'I'll never insure with you again no matter how you appear in a year' and the answer was 'Do as you like'.! By that I decided I'd already made a wrong decision initially! Michael

Was just thinking Metro Bank was on Earls Court Road (very large building) and I pass it daily on the way to work. Never really looked at the dates but now I see your point. I always thought they were Malaysian based rather than US.

That's strange you know regarding 'Cash accounts'. Lloyd's and Co-Op use a CRA and the Co-Op even tell you they've seen a problem on it (if you have one).

This is simple - ask the NHS to show you the data to show their results! They will direct you to a website that shows simply results.Ask them to show you how they got their data, as in raw surveys and they cannot do it. In reality ALL things like road vehicles, Diesel trains, planes and ships will have to stop because they emit more dangerous fumes that some person having a smoke (whatever they are smoking).Kind of puts paid to 'Ramadan' too! Michael

Well with respect to the original poster I'd personally have been inclined to wait those two hours to see what happened rather than decide on taking a taxi home and believing the company would foot the bill, there are many instances where they do however somehow I doubt this might be one of them. How much was the taxi bill out of curiosity? I'm personally none too sure using children as potential leverage to solve a problem is the best answer to things. Always wise to check on something you might be carrying be it large or weighty before travelling 'just in case'. Whilst one conductor on a train might feel it okay another, probably more experienced decided not to 'vary' the strict rules? M

Okay here goes, One tends to read small print 'after' events as these days you reckon people treat you fairly [sic]. Anyhow for some reason (and at the time 'not' lack of funds my Direct Debit (monthly payments) with Hastings Direct was returned unpaid. I spotted this on the day and called them in the evening. The gentleman said it was showing as 'pending' and I requested he leave a note that I called. Now let's face it that Hastings people are like well spoken so I guess ex recently left Uni. students with good backgrounds. They want to charge me £20 for the returned item when I pay circa £38 per month. I felt this somewhat unfair because their automated service probably costs the a couple of quid to expedite. The attitude is 'Oh we'll allow you to spread this £20 payment over your remaining payment period' (and I suspected PLUS excessive APR too!). I asked if they'd consider on this occasion wavering the amount however after asking some senior person (which I doubt they did in reality) came back and ran off this 'fairness' policy they run. Absolute rubbish reply is all I can say. Heck, never will I insure with them again and apologise on here for not reading various negative posts about them before committing to a second (and absolutely final) year no matter what quotes I get next January! It seems that this company have an additional charge for every minute 'extra' - not so professional in these days when people want your business. Now to sort the bank out who want to charge me a tenner! LOL Michael

Heck Jason to add salt to the wounds you need to check up on them before making any comments! Voted best short term lenders and stuff like that in the past. Makes the conspiracy theory come back to life you know! After that you'll find out how unfair things can (or appear to) be. Michael

Hello, So there was me after a loan of £1000 with repayments over a year. I followed links, never believing that entering details meant the site I was on would be charging me, however they did. Getting my cash refunded was a bit of a nightmare with some of the responses more akin to dare I say even 'illegal' loan sharking! My experiences below might be of some help so hopefully will avoid others falling into the same trap. One important point is that BEFORE entering a single bit of personal information READ their Terms & Conditions. Bear in mind, (I'm sure someone here will confirm it), that under the current 'Distance Selling 2004' laws they must refund, however they can keep back £5 for so called administrative fees. E-Credit Plus - Take £39.99 from you - I managed to get it fully refunded and they'll even give you a reference number for this in case there's a problem. This is a company you don't even know are going to take money from you! Moneygaga - (Trading name of EQI Independant Ltd) aka My Money Group. They take £23.14 from you instantly. Their site has NO telephone number however you can contact them on 0800 690 6856 and tell them it regards Moneygaga. They will ask for your bank details for a refund (less the £5). MyLoans - Will take two payments, normally £1 (test) followed by £68.99 (totalling £69.99). They take the full 30 days (and you'll have to remind them!) to refund and you are advsed to send a 'signed for' cancellation letter within the required 14 days. You then get an email about it (aka delaying tactics). I managed to get the whole payment refunded and be aware their 'entranapenur' owned has on checkig had some bad press in Australia! LoansDirectUK - BAD NEWS people! Now these are what I call 'con merchants' saying we are a 'membership site'. Conned me out of £59.75 and under duress accepted a repayment of £31.25. They sent me an email saying 'agreed full and final settlement' - not quite true however my replied email stating this came back saying their mailbox was full (real or expected, I do not know)! They have nothing but many 'o844' numbers and an address in Bexhill-on-Sea however they take time to answer on the phone with an American accent 'answer' system - stay well clear! There were another couple I experienced who when claiming back cash, you could tell, were bluffing about the problems. So be very, very careful and I can assure you that I got more calls and messages to my mobile in a week that I'd had in 5 years! Michael