A bit of an update - After writing to the complaints in Luxemburg and Dublin I finally received all my money back and received an apology for the fact it took so long and I was treated so poorly. Great outcome but it really should not have taken what it did to get my money back... Thanks for your support

ericsbrother that's exactly the kind of wording we where going to use in the court to accompany the witness statement, is there something we have missed in the thread ericsbrother as you seem to think we have not read the advice here, renegadeimp asked why we had not used popla our reply was because their criteria for appeal did not fit our situation so therefore we could not appeal with popla, leaving the only course of action to wait for court. We have read many accounts for grounds to appeal and having no ticket to prove we did not brake their contract seems to be our only downfall. We had not thought of writing to PE themselves because they appear to take great delight in refusing appeals from what we have read so thought it would be a waste of time so their letters have just gone in the bin, but as you point it out it will be worth shelling out for the stamp to send them the defence we will use in court along with the added counter claim that you have brought to our attention, which is great advice, thank you.

According to the popla grounds to appeal our situation does not fit the criteria or we would have done...

Well this is what we figured, it is not a fine or penalty, it is a breach of contract, which we did not do. .. We figured going to them to appeal would be fruitless without the ticket and looking at POPLA guidance on appeals you also need the ticket. Of course we did pay and we did not break any contract so we figured using the witness statement which you can use in court but cannot use in the initial appeals was the only way, as far as ccj credit damage is concerned we are not that concerned as we never use credit so we should not be affected if it goes wrong and an offer of £2 a month wont break the bank, but principal wise admitting to something that we did not do is something I am not prepared to do. Maybe those principles will cost me a few quid but so be it.

Because all the guidance I looked at pointed out you need the ticket to prove your innocence. I believe you can use witness statements in court so thought that would be the best bet.

I received a ticket from Parking eye, to my annoyance I had actually paid more than I should have, the error was incorrect reg no, we had parked with the intention of staying for quite a while when in fact due to cold weather we only stayed a very short time,less than two hours, my friend got the ticket and we had a conversation about the length of stay, she paid six pounds and we realised the amount gave us grace to stay until Monday morning to our delight due to it being Sunday but she sadly put the wrong reg in, I just said don't worry the thing will be displayed on the windscreen so no big issue.. .I was obviously wrong.. two weeks later a ticket arrives.. .. I have ignored it due to being very annoyed at the fact we had paid and breached no ones contract and I refuse to admit to something I did not do, to top it off I am a clean person and the ticket had long gone by then, so we are just waiting on a court date now, the threat of court letter has been through my door so we are now waiting.....

I have kicked up a fuss with ebay and so far managed to get one of the incorrect payments of £184.95 back, sending them an email to their facebook page and also sending an email to ukrswebhelp with the address Stigman gave me attached to the top and the email done in letter form with my accountant and legal advisor cc'd, giving them a date to reply by as Stigman advised. I also attached my Paypal Statement in PDF form showing where the payments had been taken as they still fail to acknowledge the fact they still owe me for payments they took in error, so the battle commences... now they have it in front of their face in black and white that they owe me payments they took in error, so hopefully this should be cleared up soon if not it's the next step...

Thank you...

Hi I really need some help with this. ebay CS I speak to on the phone are not listening, Paypal understand it and have been helpful, they have verified that I am owed money but unfortunately as it is complicated ebay CS appear not to understand and are refusing to help>>> story is I had two cases that I appealed and was successful in those appeals.... These are the 2 scenarios = Paypal transactions = 8th Dec buyer paid in = balance £50 29th Jan Payment Held paid out = Balance £0 29th Jan Hold Reversed paid in = Balance £50 29th Jan Dispute balance removed paid out = Balance £0 30th Jan Ebay reimbursement taken paid out = Balance Minus -£50 2nd Feb Ebay pay in = Balance £0 I am still owed the original payment of £50... All have seperate UTR's in Paypal.... The second is even worse:- 23rd December buyer paid in £184.95 = balance £184.95 10th Feb Payment held in Dispute = balance £0 11the Feb Payment reimbursed to ebay = Balance minus -£184.95 11the Feb Payment taken by ebay = Balance minus -£369.90 Horrifyingly they now owe me the £369.90 that they have taken from my account + the held amount of £184.95 plus the £50 they failed to refund making a total of £604.85 I am having real problems explaining this to ebay, but as I said Paypal understand and have agreed, so where do I take this next, does anyone know....

That is one thing I have let myself down on, not putting things in writing, but I did request this by fax and they replied (not in writing) saying they wouldn't do it because of the negative equity, although they did say that it was done in exceptional circumstances....I had to send off my evidence of my income i.e Original copy's of the child benefit letter and tax credit letter stating the amount of income to which they sent back still saying they wouldn't do it.... I have literally gone down every avenue I can.. I have had an insight to where the money has gone with one of my lodgers today he has kindly has paid his car insurance, the same as the other lodger, but how he can pay a £1254 car insurance bill whilst on the dole is beyond me, but saying that that is where the money has gone for my rent...what the heck do housing benefits think they are doing paying money directly to claimants instead of the landlords, when people are on jsa they will almost certainly have money problems and rent although should be the first thing that is paid is not, they just house hop getting free board and lodgings along the way! not giving a thought to the fact that people rent out rooms in the first place because they need the money....so great now I have the extra bills they have created, lost my single person discount on council tax, all in all it has probably cost me over £800 per lodger, in other words I have been thoroughly ripped off........ I have spoken to the solicitors I paid today about handing the keys back aparently the voluntary repossession team are going to get back in touch with me with a form or something, I have managed to pay this months money but no way can I make next months and I have risked enough not paying council tax and when I have spoken to the utilities to have meters fitted that will make things even worse...Iam getting rid of the lodgers as I am not a charity, they will both find their belongings out on the front lawn on Monday at least I can get the single person discount back, that should help some and I am going to have to ask counciltax to spread the payments over a longer period, at the minute it is spread over 12 months but I am hoping they will spread it longer, although unlikely and even if they did I cant pay them in the first instance cos that is swollowed by mortgage payments... the way I feel right now is I would top myself if I didn't have the babies, it seems whatever I try and do comes to nothing or makes me worse off, the only outcome I can see in all this is me living in a bus shelter and the kids in care!!!!! My head feels like a washing machine and I just can't switch it off!!!!! The idea of going to the top is worth trying I have tried everything else. I am stopping speaking to anyone and will converse with all companies via letter and insist all correspondence is done this way, which should have been the first thing I did anyway....I am going to crack on with these letters...

Hi Jensus, Happy new year to you!!! I read it briefly but I will go back and read it again..... The selling option is a bit of a contentious one as I have looked at this option, the mortgage company reckon the value is 105k although this is a ridiculouse figure and I have asked them how they come to this conclusion they never give me a straight answer as my other property is an ex council house and only three beds in a regeneration area and is on the market for that, so how this four bed semi in a very nice area can be worth that is beyond me especially as I bought it at 145k four years ago which was discounted from 175k for a quick sale, I cant undersytand it especially as there is one a few doors from me up at 139,950K and that is a 3 bed. I dont quite understand their reasoning, surely it is better to help keep someone in their property with payments coming in rather than losing all that money which is what will happen, if i lose the house I will go bankrupt!!! Tell me about it being complicated, that's why I don't seem to be able to get constructive help from the usual sources like citizens advice or cccs, shelter, housing or anywhere, although I must admit looking on the bright side of things I have learnt a lot which in turn could be the starting point of a new career!!!, lol...the disturbing thing is though that the only help I can get if I do end up homeless is a number for bedsits or social services who are obliged to house my kids in foster care but not me!!! what kind of society do we live in!!!!!!!!!!! When you say the courts will take this into account is this referring to when they go for repossion, as I understand things, they said they would not take it back to court which is part of my agreement but surely they will have to go back to court for a repossession order, this I am a little confused by!! I have checked all my entitlements and thats why i am even more angered by these lodgers as I lose my single persons discount on my council tax because there are two of them but could have kept it if there was only one as they are on jsa, which angers me all the more as they get around £60 per week in their hand for food and whatever, everything else is paid, they have no bills or anything else to pay!!! which is more than most working people have and to top it all off one of them has ruined my toilet seat today (which is rather funky I might add) with bloomin hair dye, no blooming respect some people!!!!! (gotta keep laughing or else I will just cry!!!) I have calculated the difference to be around £400 per month which is an awful lot at least I would be able to pay my council tax which I cant as it stands, I paid every penny I had today to the mortgage but how am I going to explain this to council tax I have no idea, its a great choice homelessness with my kids in care or prison and my kids in care, the latter is more appealing as at least I would have a roof over my head!!! This country is arse over tit, for people like me who try to help themselves and others, we may as well lay down and die like dogs when we need some help ourselves, just what is the point of paying all that tax over the years just to help others when most of them have never even bothered to help themselves, not all you understand I am just generalising, a lot of people deserve the state help they get but a lot dont and its those I get frustrated at especially as I need help myself and cant get any!!!

before I say anymore I just want to say thank you Priority One for just taking the time to listen, I don't feel like I am so much on my own with this anymore, you really don't know what it means to have someone to ping pong this with, let alone try to help me unscramble the mess, I can't thank you enough!!! to continue.......Yes I thought about the dd route but with my mortgage company not being forthcoming with the interest only route, I have no spare funds for anything now my maternity allowance has ran out!! I have to pay my council Tax and mortgage which are my priority, if they do interest only which they wont then I will have some for utilities and nappies and food at least and the minimum payments which are around £20!!! without them doing interest only i have a big problem, mortgage swallows every penny and still leaves me with a balance to pay!!! I have actually put new ads in for new lodgers this week, however with experience this can take months, although the one lodger who paid £100 today seems desperate to sort the situation and by Monday the other is 8 weeks behind so I can apply for an emergency thing they do, I have to give them a statement of dates and amounts owed and they will stop his benefit and pay me direct in future, wether this means I will get back pay is debatable and something I have to ask but I will be there first thing Monday morning to ask..but at least I know I will get a month seeing as they pay a month in arrears... I actually find it ironic that I have housed loads of people over the years and have given plenty of people jobs and homes, now I need a helping hand myself I can't get anyone to help!!! I am finding myself waining on the side of chucking in the towel going on the dole and living in a bedsit for a while and becoming a bankrupt for an easy life, but this option makes me feel sick!!!! I just can't kick the fighting spirit in me I guess, the twins make me want to keep going!!!!

There arn't that many creditors to be honest but they are large amounts, I have tried to arrange small payment to them like £5 per month but one of my loans went to court last March and the judge refused my offer of payment but I havn't heard anything from them since. the others who wont accept my offers I have just paid anyway like £1, although I have my new gas and elec bill I now cant pay so am going to have to get them on meters I guess... Its so frustrating I am not a wont pay I am a cant pay, I worked so hard for years and the first time I make a mistake I cant get any help all I need is time to get back on my feet...frustration frustration frustration....water has helped me out though I have to say they have reduced my monthly bill to £25 per month which helps a lot and they know it wont pay all my yearly bill but I was hoping to be sorted by then and be able to clear the balance!! they are about the only people who have been helpful..

This is my main dilema a very hard decision, if I stop paying the mortgage and find rented accommodation this means shortfall on my mortgage and a lot to pay back but with my other debts Bankruptcy is the only option which in turn ends my career and business, working in accountancy means bankruptsy is a big no no!! so it means a huge lifestyle change like going back to college and retraining, I am starting to feel like this is my only option as if I dont pay my mortgage this month the ball will begin to repossion, things are so frustrating when I worked so hard to make sure it has been paid for 7 months, I could have 7k now to sort me and the babies out in a new property and not struggled so much!!! all they have to do is put me on interest only, till I am back on my feet, starting back work on monday is looking like a waste of time!!! I may aswell sort myself some food and nappies, pay my council tax and just beg agents to take me on...and start looking at college courses!! For something as simple as not putting me on interest only is a huge blow when I have done everything I possibly can!!

I actually considered moving back into the rental property but amongst not having time on my side to get the tenants they live on the same street as their mother sister aunt and brother so I can't imagine they would make my life easy if I moved back in especially if they themselves find it difficult to find somewhere else to live...also I can't change the mortgage back to a normal mortgage because of my circumstances and its through mortgage express who are part of bradford and bingley who went bump so arnt giving any more advances or changing mortgage statuses.. yes sorry priority one, the lodgers in my home are the ones not paying, the tenants pay ok every month.... Well now I do have a problem cos I don't have all the money for the mortgage today, a direct debit has gone out which has left me short now so besides not being able to pay the mortgage in full I can only pay the interest part and arears and still dont have enough for council tax, not to mention food or anything else,,,,arrrgghh, one of the lodgers gave me £100 today towards what he owes, the other hasn't been seen since I told him....I am so frustrated, I am erring on not bothering paying anything and just getting on the hunt for somewhere else saving that money for a deposit on another place, I think its just time to give up!! welcome top 2010 eh, looks like its gonna be a fun year!! not!