Please help and advise. Mature lady bought a used car. In the following week there was burning smell and smoke came inside the car. She informed the manager. Once it happened again, she took the car in. after many arguments he had one mechanic look at it for few minutes. She was informed everything is okay. Few days later the car stopped. In the middle of the road. She made few phone calls and after much argument the manager got the car taken to the garage. After many visits. Many arguments including sitting in the dealership for 3 hours per day for 3 days she was given a response. The car internally has been damaged, it has been used so therefore only £7000 will be refunded and not the full £8000. either take the refund or else you will get nothing. She was catholicly told as shes damaged the car internally AND if she declines the £7000 offer she will lose the car and no refund. with in 3 weeks of purchase the car was refunded. No paperwork shows any damage at point of refund. 6 hours of waiting along with 11 phone calls to find the remedy. Her health and safety was brought into question with lack of proper inspection when it was taken in. shes very scared. Alone and worried. Please advise if we can get her £1000 back and also what else we can do. She lives too far for me to carry the burden and also chasing solicitors is not an option as funds are not there. She must be helped as she used the car to look after homeless pets, people and did a lot of community work. Now she cant do anything.

my friend, i rent out an house. that house is the council tax issue. i live with my family. i am unemployed for 2 months only and shortly due back into work again. i agree i owe them £1194. when i spoke them them and said i want to pay, they said i must pay £400 before any repayment plan is due. i do not have the £400. so the 2nd febuary is the court date. after that i dont know what will happen and how my life will end. i am so scared. 90% is there fault i setup 3 direct debts, or they did over the phone and they did not collect and due to my own finanace crisis i used the money. i am not a cheat, i want to pay, but they did not listen. how do i make them setup payment plan.

The property in question is rented, and i live with family does that change things etc? Any advise on next stage after court? like balifs?

Do i get a CCJ?

I am unemployed mini cab driver for now! Hopefully next week i can begin working. I want a payment plan.

Dear friends, I have been scared to death this morning receiving a courts summons for none payment of council tax. They claim that since June I have not paid, I fear this is true. In November I called them 3 times and they said all is well however in November they now say DD was reversed. Bank says I have not paid any DD to council tax. There is no DD in place, yet I have set it 3 times. Either way I conclude from talking with bank and council I owe them 1194. I called them today and they say unless you pay £400 they can not set-up any agreement. From June to today I have received nothing from them. I agree 100% I owe them £1194 I do not have £400 to pay before the 2nd of February court date. What can I do? Summons date is 5th January today is 20th when I received the letter. 2nd February is the court date If an agreement is set-up I am fine with that. But to set-up the payment they are saying I need to pay £400 for January I have never been to court and I am scared ****less. Any help or advise please.

Hi guys. 1. white ziz zag line i was stopped to pick up client at 00:37 for 46 seconds. 2. date of contravention is 14/03/15 3. date of notice was 17/06/15. 4. date when i got it was 27-28/06/15. i am a pco driver with pco car. and it is a white ziz zag line. 1. i am sure white i can park 90%. 2. it was for 46 seconds according to the video. 3.it was way past midnight. also it is 5 months old. it is a hired car. can i appeal the decision? Ali

Dude so many questions and all i want is area of law that deals with my question and SEE if there is a time period in which to make the claim. Instead all these questions which are of no use to me at all. ON INVOICE legal bills which were paid amount to £11790. 3 Solictors and 2 Barristers. X3 Tribunal attendence + 2 High court appearance. £8000 is loss of earnings of 5 witnesses + loss of work. All doucmented. All black and white on paper. out of 5 withnesses 4 of them have letters from employers. 1 was a driving instructor with canclilations for lessons from the AA driving school. loss of earnings proof consists of Accoutant and tax returns. Bank statments. £12000 legal cost is invoiced and paid. the dopey retarded barrister said we cant win costs against the council if we could all would do it. We cant win againist them as they never pay so dont include it in. so the cost reward review sheet or what ever it was called never got incerted. We were told we can do a seperate claim for a review of this case and include the cost at later date. That is all Ali

Friends, Thank you. please answer this. 1. is there a lime limit to when we can request the £18000 loss or the £12000 legal costs? 2. Which law brance, tree, expertise area helps to recover costs and things when you win? We have won the case 100%. We have all documents and invoices and tax returns and so forth to prove £18000 of total loss. Regardless of the steps taken which cost us £18000, what we need to know is can we wait maybe 1 year or so have enough money and get another legal team to get our loss back? We dont know which lawyers to apporach or how much time we have! We spoke to one team they said pay £1000 just to read the case. In highcourt the reward cost or cost reward paper work was not submitted so we have to do that speartly. AS THIS IS NOT ME OR MY CASE I am sorry i have submitted in this post all that i know. Ali

Hi guys, first of all I am sorry if this is in the wrong section. Kindly bare with me. My brother has won the case against the council for unpaid council tax. he went to the tribunaral and lost. He went to high court and won, which then refered him back to the triburnal. He wont the tribunal. Now the council wanted £3900 from him after 4 years 11 months and 3 weeks. I understand after 5 years they cant claim the unpaid. Instead with loss of earnings and solicitor and barrister and highcourt fees my brother has lost £18k question is. is there a time period when he can use the council for the £18k is there a time period for when he can sue for legal losts around £12k what kind of solictors does he need? Which area? Can he take legal aid as funds are dried up now? He lost firstly because he went by himself with all the proofs to show the property was tenanted and he was not liable. He then got a solictor and barrister to go to high court. And then another team again to look into the case and help with the 2nd tribunal as he had a falling out with the first team. Both high court and the tribunaral said my brother was never liable for the council tax. Without earnings and other costs his legal fees are close to £12000. the council only wanted £3900. please kindly help as we are poor and we need help and support urgently. Ali

So my friend you are saying one of his letters or judements for the case he got should have a part where it says he can claim the cost of his legal fees and not loss. as long as he gets his legal fees is the first and best step. so in the "order" it says you can claim. I belive he had to write for this to high court again and then they issued something. I will find out. Ali Cost award was not given to him, why or how i have no idea. "cost award" now is that legal expenses or his loss?

So £13k spent on proving he was right means he can get £13k back or not? solicitors at most time were being "bar-stewards". So they did not inform him at what stage he can claim the £13k. He does have alot of loss of earnings. However as long as he can get his £13k back it is imporant. Can i be gudied to some kind of firm or solictor? Finally is it really true to prove your right you need to spend £13k and they get away with it when they were 100% wrong? Ali

And no answer on any of them? which is the right place for them?

Hello guys, I am sorry two questions in one post I feel they are related and can be answered together. Question one. After 9 months and £13,000 of legal expenses. 2 barristers, 3 solicitors, 2 high court visits and 2 tribunal visits, my friend has won against the local council. They wanted him to pay £3600 in council tax and his argument was the tenant was responsible 8 years after the event. All contracts, letters and recorded delivery slips which he used to inform the council were kept. He won the case out right. Now a lot of people are telling him you cant claim legal expenses or personal losses due to the fact its the council. If he did it everyone else would. He is being informed unto total cost of £18,000 is his. He cant claim a single penny for his loss. Please advise. Please note he has proof of everything. From the case to earnings to legal invoices. Question two. After seven phone calls including to head office, local office and individual who invited us to the local car show room the following happened. They failed to understand the car I wanted. They failed to understand the cost of the car. They failed to understand the monthly repayments of the car. They failed to understand the context or pretext or the ONLY reason why we would visit them. At the cost of 2 hours round trip. At the cost of diesel and time. When we reached there we were informed the maximum I could borrow was 45% of what I wanted. And also they did not have the cars. Both cars were not available. Discussing this with the manager he said unless you were here we can not tell you about the car or the finance. In seven phone call including the one that invited me down was the following. “Are you sure I have been accepted? Yes! “for the Galaxy” Yes! “for the Prius? Yes! “what is the maximum they are willing to lend?(3 lenders apparent)! Any! I even went further, I said I am only going to travel because YOU are saying I can get either of the 2 cares. Yes come down I was told. When we went there nothing. All lies. If I was on minimum wage along with my friend. I think the total lost including time and diesel is £22. What shall I do? Please I cant let them get away with it. This is pure day light robbery. Ali Hello guys, I am sorry two questions in one post I feel they are related and can be answered together. Question one. After 9 months and £13,000 of legal expenses. 2 barristers, 3 solicitors, 2 high court visits and 2 tribunal visits, my friend has won against the local council. They wanted him to pay £3600 in council tax and his argument was the tenant was responsible 8 years after the event. All contracts, letters and recorded delivery slips which he used to inform the council were kept. He won the case out right. Now a lot of people are telling him you cant claim legal expenses or personal losses due to the fact its the council. If he did it everyone else would. He is being informed unto total cost of £18k is his. He cant claim a single penny for his loss. Please advise. Please note he has proof of everything. From the case to earnings to legal invoices. Can he claim, if so where to go? Question two. After seven phone calls including to head office, local office and individual who invited us to the local car show room the following happened. They failed to understand the car I wanted. They failed to understand the cost of the car. They failed to understand the monthly repayments of the car. They failed to understand the context or pretext or the ONLY reason why we would visit them. At the cost of 2 hours round trip. At the cost of diesel and time. When we reached there we were informed the maximum I could borrow was 45% of what I wanted. And also they did not have the cars. Both cars were not available. Discussing this with the manager he said unless you were here we can not tell you about the car or the finance. In seven phone call including the one that invited me down was the following. “Are you sure I have been accepted? Yes! “for the Galaxy” Yes! “for the Prius? Yes! “what is the maximum they are willing to lend?(3 lenders apparent)! Any! I even went further, I said I am only going to travel because YOU are saying I can get either of the 2 cares. Yes come down I was told. When we went there nothing. All lies. If I was on minimum wage along with my friend. I think the total lost including time and diesel is £22. What shall I do? Please I cant let them get away with it. This is pure day light robbery. Ali

Like hell. 7 hours on chat + 4 hours on calls. if i am on £6 per hour that is 11 X 6. £66 without a product or a my own fault. Why do they assume my time is NEVER going to be compensated. if after 11 hours i had something in my hand then its all worth it. like 9 months of labout. however if the DR's botch up the dilvery then i think we need to count the 9 months and the pain and he stress in the compensation. Sorry the anonolgy is bad. my 11 hours are robbed and i have 9 hours of proof. BT bill + chat scripts and now hes admited there own mistake. What about my time? and the stress? if you owe time £1 they get DCA involed and give you a defualt? yet when it works the other way? Sorry i think i got enough to win a case. I have appiled for a new visa card. they agrred to give me £900 limit. This £900 is for solictors. if i fail £33 per month i will afford. if i win then the chirdens hospital will win as i will take my £25 and give the rest to them. its the principle. Ali

Hi NAME. Thanks for contacting us. I’m sorry about the issues you’ve faced with your account. I appreciate the frustration this has caused. I can see you opened this account on 25 February 2014 and your mobile number was transferred onto it the next day. On this day you also decided that you wanted to disconnect the account and transfer your number back to Pay and Go. I’ve read the online conversations you’ve had and the level of service you’ve received isn’t what we expect. We pride our self on our customer service ensuring the correct information is always given. Because of this, feedback’s been sent to improve our services for the future. I’m happy to see that your number has now been transferred to Pay and Go, but this was done incorrectly which has generated a termination fee. A credit’s been applied to remove this, but I understand that we attempted to take this fee from your bank and you incurred a £25 bank. I’ve applied a credit of £25 to your account, to cover the bank charge, leaving your account in credit by £43.51. Please let me know if you’d like me to refund this to you. Kind regards David Marsh | O2 UK Limited Complaint Review Service T 0800 2986 881 (free from O2 pay monthly) Telefónica UK Limited is authorised and regulated by the Financial Conduct Authority.

As I said i saved or emailed 5 hours worth, only missing one. either way for something that does not exisit even cost of £1 is too much. £25 + all the other costs should be paid to me. Termination FEE why? First month bill being generated is accpetable. BUT when you cancel. Termination bill? They messed up and now i have to pay forthe buss pass. Sorry not on!

Thank you. I was lucky to save the chat scripts. 1 i did not save so from 7 hours of chat i am down to 5. All the chat scripts show me pasting the same "request" with AC + issue many times over. so in another words 5 hours of Ctrl + V. I will use the ronan email. Many thanks. Ali

Hi guys, I need little help. When reading this please assume everything is and was as outlined and highlighted. For this post, email we will assume I am on £10 per hour and the call cost per minute was £0.10p I took out a new “upgrade” from o2 on the 22/02/2014. By the 26/02/2014 it was terminated. I spent close to 1 hour talking to 3 staff members and upgraded. I spent close to 3 hours trying to “keep” my existing number. In another words transferred my current number to new “contract” upgrade. I spent another 1 hour explain it is the wrong sim card and organised a new card to be sent. I spent 3 more hours trying to close both sim cards or “accounts”. Spoke to around 5 people. All this was done online chat. With chat scripts totalling 6 hours, emailed for safe keeping. Also in-between the 2 sim cards being sent out I also had to make a call to 0870 number trying to “see” if I can have an old discounted, terminated number back which was never going to happen. Total time spent about 1 hour. By end of the 26/02/2014 everything was terminated. I also had to make a phone call for this to happen. This was another hour. On 27/03/2014 o2 tried to charge me £73.97. I had no money in the account of the transaction failed and I got charged £25 by my bank. This was not my monthly but termination or early termination bill or charge. On 12/05/2014 my bank charged me £25 and I found out on 20/05/2014. on 21/05/2014 I spent 3 hours talking to 5 different service people trying to find out why both charges occurred. How I could get the refund for £25. I quoted my current or existing number which is null and void in this predicament. I also gave them the account number. Finally I was given a number to call. On 23/05/2014 I called them. 4 different people. 3 different departments. 1 very rude and abrupt manager who slammed the phone on me. Conclusion is they need me to send in proof of the charge along with the account number in order to give me a refund of £25. according to my calculations and assuming I am on £10.00 per hour employed. I have spent 7 hours in total with 02. £70.00. also the phone calls if national rate is £0.10 then its another £3.00. now they need me to send in a letter which needs to be recorded delivery so I can have proof. Or scan in the statement which I don’t have a scanner or go to o2 shop. Cost of travel to o2 shop is around £3 on bus or the recorded delivery. So am I correct in saying my total cost for a cancelled, terminated contract or upgrade stands at £25.00 + £70.00 + £3.00 + £3.00 with the grand total of £101.00. termination charge within 4 days? Cost me £25. time spent online chat I have 5 hours of solid chatting repeating same thing again and again with online help. Saved or emailed scripts. And national call charges what ever they are for 3 hours and then some. None of the above is my fault. I have not profited or gained. Only lost. Lost time, stress, pressure, anger, frustration and more travailing. So along with travel its time cost also. Big question is. Will getting a lawyer, solicitor help me get closer to £101? 0844 809 0222 5p/min

I need advise. Is this email good to send? How much time do i have? ETC

Hello. Merry Christmas and happy new year to all. Please kindly read the letter below which I WANT TO SEND via email to my local council tax department. This will explain the help and advise I need please. Dear sir or madam, Thank you for the letter dated 30/12/2013 which I received on the 04/01/2014. Account number: xxxxx Property Reference: xxxxxx Please kindly review my questions and answers them so I can fully understand the reasons why the final tax notice was issued. since 2004 to 2013 108 direct debits have been paid without an issue. On the 26/12/2013 mistake was made where partial direct debit indemnity was made of £67.00. The remaining £100 was still paid. From the 26/12/2013 to 30/12/2013 you letter states you have sent me 2 reminder issues. The bank states it takes 3 to 5 working days for the company to acknowledge the direct debit indemnity. And with 2 days of weekend, please kindly explain how was it possible or even why did you send me 2 reminders and a final notice in one working day. 26th was Thursday, 27th Friday, then the weekend of 28th and 29th. by all calculations you sent me 2 reminders and a final tax notice in 1 day. Also the letter states because of this I have lost the right to pay by direct debit. From my understanding only £67.00 is missing from 9 years of payments and no previous issues. And within one day you sent me 3 reminders. Also from the 30th I have been given 7 days to pay £209. I got the letter or the final notice, the ONLY letter on the 4th. So I have 3 days including the weekend to find £209. I do not see this as legitimate, right or even as a good ethical practice. Please note I have not undertaken any legal help as I am trying to understand the situation. therefore I want full details of the representative who will investigate what has happened. As this will ensure accurate communication. Thank you Ali

You guys are Awesome. Keept it up!

Dear sir or madam, on the 07/06/13 I was informed by the insurance broker that my contents and building insurance policy with Creation Consumer Finance was in danger of being cancelled due to missed direct debit. This is the first time I found out who Creation Consumer Finance were. I have received no documents from them nor have I ever signed or dated anything. Now I did do 2 direct debit indemnity and waited to be contacted to find out who these guys were and I got nothing. 07/06/13 was the first time. So I informed my broker we will deal with. 1 issue or another pinned me down and I never got to it. So on the 13/06/13 it was canclled. Now they are asking for the full outstanding balance of £150 to be paid asap. The policy can not be reinstated, they will not cover me and they want the full amount paid. Direct quote from my broker is the following “I have now spoken to Creation Consumer Finance and I'm afraid your loan has been cancelled. It was cancelled on 13th June. Due to the cancellation, we now have to ask you to pay the remaining balance of £150.22 in full. You can either pay this by cheque, credit/debit card or via BACS. In terms of the loan agreement, that cannot be reinstated in regards to this policy.” I have never got anything call or letters from these people. Nor did I know whom they are prior to 07/07/13. however I did give direct debit details to my broker to setup some kind of policy. Why are they demanding the full amount? And still not cover me? Please help. I am in more debt then I can handle. I am semi depressed since 2006. I am unemployed and barley breaking even. Please help. Ali

Hi guys, in 2006 my house was given on rent to private students either way they were eleible for the council tax. I submitted all the documents for 2006-2009 showing who was living at my address as private tenants and who was responsible. In 2012 the council wrote to me saying I had to pay council tax from 2006 to 2009 based upon 2 things. from 2006 to 2008 no one paid the council tax. from 2008 to 2009 some other person was living and claiming for the council tax benefit. In another words the students did not pay the council tax. Then they invented an tenecy agreement and falsy claimed someone else lived there and claimed the benefits. Since 2009 another tenant lives there who is exemt from paying as shes claming housing benefit and what else so she has nothing to pay. Issue is from 2006 to 2009 I am being forced to pay. I said no I have submitted the ONLY people who are supposed to live there. All agreements were sent every year once they were renewed. No other person has lived there. I appealed it got rejected. Then I went to the tribunal and there I discovered many other things. students falsey claimed benefits. Students created many indenties and put them in the electorl register. Open many accounts and did much fraud. At the tribulal apprently at any one time from 2006 to 2009 over 9 to 10 people lived at the address. This was false as I was the main cartaker and did weekly visits from cleaning to DIY. Also its a 2 bedroom house. The council has said something to do with HMO status. As in multlpy occupency. And the tribual rejected my sotry 100% question is what do I do. The students did a lot of fraud as I am getting lots of letters from balifs and credit card compnies along with other junk mail. Odd names too. Since 2009 no issue. Before 2006 no issue. Please help.

Hello guys, I am sorry if this post is in the wrong section. Please kindy either put it in the right section or answer as best as you can. This is a desperate situation. I am currently unemployed for 4 years. I can not seek benefits as i have a property rented out. Income is around £1300 and out goings with huge debts around £1400. My mother and brother owned the house i currently live in and up to December 2006 i paid via the direct debit mortgage, internet and sky. My mother died and named me in her will. I paid solicitors around £700 to do some work. I guess it was to execute the will. Once this was done, my brother informed me due to my credit rating Abbey National are refusing to put my name on the deeds or have me as a mortgagee. He then contacted soclitors and made an avid davit where i gave up my right to the will or something. This Abbey National accepted and the house was remortgaged solely under my brothers name. Since then due to unemployment i have been living in the same box room till now. Now brother and his wife are being difficult. I am sure anytime now i could be forced out of the house or even forced to pay rent which i cant claim for or afford due to unemployment. My questions are as follows. 1) Do i still have rights to the will and the property even i signed something saying i don’t. I was seeking help from a psycho therapist for depression and other things at that time and my credit rating was bad even then even if there truth to my brothers claim. 2) Can i be kicked out of the property and do i have any help or support? 3) How quickly can i be removed from the property? One of the reason why i don’t pay rent and might refuse is from 2000 to 2007 i paid the mortgage. Almost £36k for the stupid box room. Please kindly help as much as you can. Ali