Yes, it's an NIP. The letter has the correct name, address and offense but completely the wrong vehicle make and model, registration plate etc.

Hi all, just after a little advice. SWIM was speeding and received a letter through the post confirming the offense. However, the incorrect vehicle make / model and registration number are listed on the letter. What would be the best way to handle this, other than accepting offense immediately and paying the fine / penalty points? Thanks.

I had unloaded items for the house as I've just moved in - mostly flat pack bedroom furniture. There were no resident parking bays available near the property. I moved the car shortly after.

I parked on the single yellow as was unloading some stuff into my house. If you look on the photo there are white lines for a parking bay, as well as the single yellow line.

Hi Michael, I have a permit. The fine would be for parking on the yellow line / ambiguous parking spot. I guess I can check the signs near the entrance to the CPZ for details but from memory do not recall seeing anything.

I have just moved house and received my first PCN for parking outside my house with the note: (01) Parked in a restricted street during prescribed hours Observation from: 11/11/2019 10:24 Observation to: 11/11/2019 10:25 As you can see from the attached photo of the signage there is no indication of the time that the single yellow line is restricted, it merely refers to permit parking. Further, the single yellow line is unclear, without a T end, and there are also what appears to be markings for a parking bay there. Any help in an attack route in avoiding this PCN will be much appreciated. Ta :)

Great thank you I will do just this.

ok thank you. So should I just go through their appeals process with proof that I went to the store and the puncture or will they likely still try to charge me for "breach of contract"?

I have received a parking charge notice from ParkingEye (attached) for overstaying in an Aldi car park. The reason for the over stay was that I suffered a puncture and had trouble changing the tire following my shop. I actually took a photo of the puncture at the time. What would be the best way to contest this? Shall I send them the evidence of the puncture or another method? Aldi Parking Ticket R.pdf

I have just received a box junction fine notice from Merton Council. This shows what happened better than words. The van was moving when I entered the junction and stopped leaving me nowhere to go. Is this worth appealing?

Hi and thanks for your reply. What is the purpose of the £45 invoice?

Hi everbody. I sent an SAR and cheque to post office credit cards and they have replied (65 days later) requesting that I provide: * original/certified verification of address documents * original/certified copies of ID documents * a cheque for £10 (I sent that and they sent it back with my original letter) Are they entitled to do this or have they breached their requirements under the DPA for my SAR? Thanks

The volume control on my phone has recently started playing up and continuously turning down. I contacted Orange who advised that as the phone is over a year old that I should speak to Carphone Warehouse. I spoke to Carphone Warehouse and they advised that I have a 2 year warranty and that I should contact HTC to have the phone collected and repaired by them as it would be quicker (7 working days as opposed to up to a month).I've just got off the phone with HTC and am concerned that the customer service agent has advised me that they reserve the right to bill me if the hardware error is caused by "Wear and Tear" or other causes such as "dropping".From the tone of the conversation, I get the impression that the first thing they will be looking to do is to pin the blame on me for the hardware error an then invoice me for parts and labour which I consider outrageous given that my phone has a 2 year warranty and should be covered under the Sale of Goods Act as it has not had unreasonable use.I'm interested to know my rights in this situation as a warranty holder and what my rights would be if they were to decide to invoice me as I don't fancy a bill of unknown quantity for a fairly minor fault.

Surely you'd only pay tax on the rate that you were due to pay in the year that the interest was deemed to have accrued? That makes for some very tricky calculations as interest rates and tax bandings fluctuated.

Thank you, you superstar. Much appreciated.

ims, many thanks for your reply.What does SAR the bank mean?

Hi All,My wife has noticed that she is being charged £24 a month each month by Barclays for Overdraft Protection charged at a rate of 0.8% per £1,000 on a £3,000 overdraft limit. Apart from being a scandalously high rate for an almost worthless product, my wife not being the most financially literate in fact had no idea that she was even being charged for this and assumes that this was tacked on to her account when she initially activated the overdraft facility many years ago.I looked on the Barclays website for information and it appears that they've now discontinued the product to new customers - most likely as a result as the PPI scandal - but have very kindly kept it running for existing customers and continuing to fleece them monthly.Having looked online I've seen various templates to use in order to reclaim PPI sold with loans but was wondering if there was a particular process to go through with this Overdraft Protection Policy. I'm not quite sure when she opened the account but believe it was over 10 years ago so it's possible that she's been paying premiums for all this time. Do we have to contact Barclays to find out exactly how much she has paid over that period in order to produce a figure to reclaim? Also, what is the procedure for claiming on this type of insurance?Any help in pursuing this to a successful conclusion would be much appreciated.Thanks in advance,Kether

I've been a size 8 for 12 years, how can they be the wrong size? It's the design of the heel caused it.

Surely an item is not fit for purpose if it causes injury?

Hi all, I was wondering if anyone had any information on procedure or precedent in respect of my problem with TK Maxx. I bought a pair of size 8 smart shoes from TK Maxx in Glasgow which at the time of trying them on felt comfortable. After a short amount of use, I started getting discomfort in both heels but continued to wear them for a week to break them in. After a week, I decided to go to the doctors as my right heel was so swollen that I couldn't walk in the shoes and even my running shoes were causing discomfort. The doctor recommended ibuprofen as an anti-inflammatory and pain reliever. I have since tried to return the shoes to my local TK Maxx store who refused to accept them as there is no physical defect with them. They were also very aggressive and patronising to me, continually talking over me and not listening to my complaint. A similar tack was taken by their customer services helpline who said there was nothing they could do and told me speak to consumer advice. Apart from being paying £40 for a pair of shoes that crippled me within a week, I am incredibly frustrated with TK Maxx's attitude and would like to know what I need to do to reclaim my £40 for the shoes and if there is any possibility of recourse for the injury. My heel is still swollen and in pain nearly a month after buying the shoes. Any help will be appreciated. Thanks Kether

I received a letter from Ruthbridge recently about a debt from 2002. From reading on the forums I understand that debts over 6 years old are statute barred. I work in a regulated industry and if I had a default against my name then I would lose my job so took out a loan and paid off the debt today. Now I feel foolish as I understand that Ruthbridge buy statute barred debts and use bully boy tactics (as they did on me) to obtain the money. I am planning on raising an indemnity claim for the money paid to Ruthbridge but what steps do I have to take to: a) ensure the debt is statute barred b) ensure that Ruthbridge stop harrassing me. Thanks