So I entered into a fixed 12 month contract with Eon in January this year, at a very reasonable £32.50 a month, all going swimmingly until yesterday when they emailed me to say that my direct debit would be increasing to £43 a month! Have just emailed them, and tweeted them, to say that there is absolutely no chance of paying this increase as I am on a fixed income, and their quote of £32.50 a month has been used in my budget each month, and there is zero wriggle room. I am hoping that they can continue to take £32.50 a month, like they agreed in January, or I shall pull the direct debit and either set up a standing order, regardless of their threat of adding their penalty fees for not paying via DD, or vote with my feet and go elsewhere all together, and deal with the deforestation of begging letters for 'breaking' the contract early. If I could be bothered to read the small print in the contract, I am pretty certain that it is all weighted in their favour, and no doubt it will say that they can change the rules and move the goal posts as and when they choose, but as a customer you're not able to. But we'll see.

A question i have had in my mind for ages, but i have not found a conclusive answer. There are huge numbers of people who own vehicles but do not have a fixed address. My understanding is that DVLA require a UK address for all UK registered vehicles. This is so the registered keeper can be contacted. How do people manage to own vehicles, but not have fixed addresses ? They must give an address for vehicles registrations and Insurances. Now that you can pay road tax online and do so much online, it may be easier for people to own vehicles, but not to have fixed addresses. This could make it much more difficult to trace people related to accident claims, speeding and other motoring offences.

Hi guys, i have a BPF fixed sum loan agreement which was taken out for purchase of an ex demo car from Hippo Car Leasing. The agreement is in my mothers name due to her having better credit than me, The problem is, i now want to sell the car and believe that under Fixed Sum Loan agreements, it shouldn't be secured against the car but a personal loan. I have HPI'd the car, and finance is showing on the car? I do not want to trade it in at a dealer, as it will have negative equity of around 3-4k as the mileage ive used is quite a bit more than normal. Basically what im asking is, can Barclay's add the car to the HPI register legally, as they have, and do i have any rights in asking them to the remove the HPI marker allowing me to sell the vehicle privately? Have attached the Loan agreement which we signed. Hope to hear from anyone with help.

Hi all, I`ll try to be brief! New car hit by coach. Put in garage I was told to. New back door and bumper, old window put back in new door! I "forgot" to tell them the car was supaguard coated which I paid for when I got the car new three months ago. I want the garage to pay for it to be done at a main dealer, they said they could do it but there is no way I am taking it back there. Initially, where do I stand if I don`t trust them to treat the car with respect? I know they were slamming it from D to R in quick succession and driving with handbrake on and threw something on the bonnet and racist comments while in the car. (dashcam was still on the front). Still waiting for solicitors to reply from my ins co. on this matter, but wondered where I stand. I don`t want to give the garage the footage but my solicitors also want a copy. I wonder if it is worth the grief and stress of the fight? Or should I just forget the coating and put the footage on facebook and youtube?

Hi all, and I thank you in advance of all advice given to me with a problem I have had with a repair I had done at a local Citroen Main Dealer Garage. I owned a Citroen C4 (59 plate), bought in August 2013. 3 month warranty as it was 2nd hand, even thought I thought I had 3 year cover - that's another story. I developed a faul with the car in late April 2014 and on th 7th of May took the Car to my local Citroen garage to sort out. They did a VHC - Vehicle Health Check/Diagnostics, and informed me that I needed a new EGR valve. I asked if it was a straightforward job, and the reply I received was that I'd be "in and out" within 2 hours. Turned up the next day at 8 am, and was to to come back at 10am. The car was operational, and drive-able at this point. I took it in as the Engine Management light came on and, it sometimes would "miss". I was quoted £305.48 for parts and labour (£146.65 in the end). I came back at 10am, and waited, and waited, and waited. 2pm. I get asked to have a chat with the Manager. They said that after installing the EGR valve, they took it on a test run, and, for some reason, the car developed a mind of its own and continued accelerating by itself. They advised me that they needed some more time to find out what had happened. They offered me a courtesy car, which I had no choice but to take. Almost daily for almost a week I had to phone for an update. At no point did they bother try calling myself. Then they asked if I could come down to the garage on the 14th of May. The manager said that they weren't too sure what was wrong with the car, it could be an ECU replacement, but they weren't sure or the complete wiring loom. I asked if they could try the ECU? He stated, that they wouldnt be able to do so unless they charged me £450-£650 plus vat and labour. I said that was unfair, as the problem wasn't the ECU when I brought it in. He said, he couldn't guarantee that it even was the ECU and it was a chance I would have to take. If that didn't work, then the wiring loom would have to be replaced, and I was lookng at anything between £2300 to £4500 for that job. The car cost me £6k and had only done less thatn 50,000 miles. He said I could leave the car in their storage yard until I could get the money together, I told him I was exceptionally unhappy with the service and believed that this had arisen from whatever work they had carried out. I had no choice but to take the car home. It limped home and became unroadworthy or safe to drive since that date. Move forward a few months later, the manager never got back to me. I made a complain in writing. No response. I become ill, lose my job, miss payments on the car, and it gets repossessed. In the meantime I speak to their Head office, who said the new Manager would get in touch. I speak to him and he stated his boss is away for 2 weeks and he will get back to me as soon as he gets back with a resolution. 1 month goes by and I try calling again. Left a message with their reception. I miss his call, but he leaves a voicemail, which I still have a recording of. In the voicemail it states how apologetic he is for not getting back to me etc. I have a phone call the next day from him. He says that the only thing they could do was to bring the car in and "have another look at it maybe" - I explained to him the situation, he said that there was nothing he could really do then. I asked for a full refund, he said that he wasn't in a position to give me a refund. And here I am. I believe that under Supply of Goods and Services Act 1982 I have a good case of getting a refund from Citroen. But I have no idea how to go about it correctly. I am happy to take this all the way if I have to, and I am even contemplating contacting the car dealer who sole me the car under the the same Act maybe? I now owe a nightmare Motorfinance company thousands, completely out of pocket, had no car, and am beyond stressed, which doesn't help my illness. Can you please assist? I want to put up a fight and get my money back from these pariahs. Thanks

Hi , Hopefully this if the right forum for this question . I am coming to the end of my fixed two year price with my utility comapny (i get gas and electric , monthly direct debit) I now have started to get the reminders that my price plan ends in one month and to avoid any increase for the next 2 years etc etc etc if i dont change o automatically go onto there variable rate plan are there two 2 year guaranteed fixed price plans a bit of a con ? , as i assume they are charging a higher rate so they can guarantee no price rises but on the flip side the prices could go down as well

I have been thinking for quite awhile that the Banks were not really properly fixed after the 07/08 crash. What happened was that the Banks sold off some of their rubbish debts and some assets, as well as money injected via the bailout and QE. There has also been some tightening of regulatory rules. But I am not convinced that the Banks have actually recovered that much, as the last round of end of year results were not that good. The Banks are still carrying many assets which are probably not as they are valued at. Look at the adverts on TV for loans with interest rates anywhere between 40% and 400%. You don't see many high street Banks advertising loans on TV. Also the motor industry reporting an increase in sales, said that they had been providing finance themselves to customers, presumably because they cannot get the money from the Banks at the interest rates wanted. What is the true state of UK and world Banking in general ? Nb. Two big European Banks (Santander & Deutsche Bank) failed US stress tests recently.

I left Sky last year and re-joined a couple of months after, which saved me roughly 50% of the monthly cost, fixed price for 12 months. I've just had a price increase letter from them - increasing the price by about 10%. Can they do this half way through a fixed price deal which they gave me to win me back?

Can anyone tell me what evidence to gather for this? This is not for me but for a member of my family. Having worked for four years the union is happy to take it forward but we would like to put as much information together as possible and I would like to be as helpful as I can.

Morning everyone, I got myself in a bit of a mess with a solicitor 3 years ago when I had a breakdown following separation. I saw a solicitor for an hour or so, he did nothing for me but I stopped answering all e-mails and calls and ended up with a CCJ for £1150. Quite ridiculous, but I only have myself to blame. I didn't take my head out the sand there and ended up with a Charging Order made against my property for £1237.50 which is the CCJ amount plus statutory interest. The charging order was for "the payment of £1237.50 together with any further interest becoming due and the costs of the application." I finally took my head out the sand in October, got in touch with the solicitor and agreed that I'd pay £150 immediately, followed by the same amount every month until the end of February when I would pay the balance from a small company bonus. I stuck to that but at the end of February I took a close look at what he was claiming as follows: £1237.50, the amount of the charging order £100.00 - charging order fee £50.00 - property search fees £110 - Fixed costs All of the above, I completely understand I must pay and I have now fully paid. My issue is with the following claims from the solicitor. He's actually claiming £179.50 in fixed costs, not £110. He is (incorrectly in my view), claiming an additional £69.50 which is allowed for in the PART 45 but only refers to claims made under 70.5(4) which is for non County Court/High Court enforceable actions. He's also claiming £120 in bailiff fees (£60 for transferring up to HCEO and £60 Abortive Fees because apparently I "evaded" the bailiffs - they never visited my property when I was in and never left any letters). I suspect that I must pay both of these costs but have read some conflicting advice online. Finally, he's claiming a shed load of interest. I believe it's quite clear from regulations that interest is not applicable to a debt under £5,000 regardless of whether it's a consumer credit agreement or not. However, interest was added to the charging order. Have I now blown it with regards to opportunity to prevent interest? Now that it's on the charging order, even if it's on there incorrectly, is it now payable? Sorry to waffle on but any advice you can give me on these matters would be much appreciated. This is a mess entirely of my own making but the ruthlessness with which this solicitor has pursued me given how little he did for me is staggering. I want to get this guy off my back and am able to pay him what he's asked but I really don't want to give him a penny more than he is entitled to. Many thanks in advance. Ian.

Cutting a very long story short I am a part time Coach Driver and i have a £100 fine to pay + 3 points on my licence for going through a fixed camera at 43mph instead of 30 mph , luckily for me there was another coach on the same job as me and the driver told me I had been flashed twice by a fixed speed camera . I eventually received the NOIP denying me a speed awareness course because I was 1mph over the qualifying 42 mph . so it was go to Court or agree £100 + 3 points . Yesterday I finally received a print out of the vehic!e speeds recorded on my tachoraph digital card and my speed through the camera was between 29 to 35 kilometre not 43 mph the fixed camera clams . Also I had just purchased a bash for cash camera and that day was the first time I used it having first set the time on the camera to the same time as the Tachograph so I now have the whole event recorded. All I have to do now is email the collection agents to tell them I am not going to pay . Any advice would be appreciated

Last year a friend was travelling late at night in an unknown area and mistakenly drove the wrong way in a 'one-way' street. Unfortunately, the Police stopped them and breatherlised them which was ok but advised they were being reported for the traffic offence. However, nothing has been received until 3 and half months later offering them a fixed penalty of £50 or alternatively go to court. Their question is; Isn't there a set time period when they are expected to notify you whether they are going to proceed with this charge or not? Someone said it was 28 days....... They're inclined to pay it anyway but just wondered how the law works in this area please.

Hello, I am moving out of a flat on the 14th November and am I currently on a 6 month fixed term tenancy. I phoned the LL on the 16th october just to let them know we would not be renewing the contract this time they did ask to do this in writing but this was not done as we received a letter from the LL accepting we would not be renewing. Two days ago they put a note in the letter box Following a telephone conversation regarding ending your contract with us, please be aware we have received no written notice. Therefore you will be liable for rental payments covering your 30 days notice period even if you vacate. This is an email conversation after receiving the message. Hi, I have received a note from you yesterday trying to say we have not given you 30 days notice to vacate apartment. I think you are getting a little confused as I am on a fixed term tenancy and not a periodic tenancy. NO notice need to be given to end a fixed term tenancy (as this is what fixed term means). I did phone you to let you know I was leaving as a gesture of good will. I have also got a letter from yourself accepting that I will be leaving. As I told you on the phone I will be leaving on or before the 14th on November. If you need more info on this maybe I can point you to what the OFT has to say about notice periods on Fixed term Tenancy Agreements please see bellow. Susan https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/284440/oft356.pdf Notice not required for fixed term agreements 3.78 A tenant is not required to give notice to bring the tenancy to an end at the end of the fixed term. That is because a fixed term agreement comes to an end at the end of the fixed term, and no periodic tenancy will arise if the tenant then leaves. We appreciate that landlords will want to ensure that their properties are not left empty between tenancies, but object to terms that impose a contractual obligation on the tenant to give notice in order for the tenancy to be terminated at the end of the fixed term. This could allow the landlord to impose a substantial financial penalty on tenants who do not realise that notice is not required, by requiring them to pay rent for a period after the end of the fixed term. Terms such as this are not necessary to protect landlords from the possibility that their property will be left empty, as the law allows landlords to recover possession at the end of the fixed term by serving at least two months' notice, and they could do so where their current tenant fails to indicate when asked whether they intend to stay on. The landlord and tenant could of course still agree to a renewal of the tenancy even after such notice was served. Their reply. Can I draw your attention to the points in your signed agreement: 8.1. In order to terminate this tenancy at the expiry of the fixed term, the tenant(s) named in clause 1.5 must give at least one months' written notice to the landlord prior to the contractual date of this tenancy agreement. If the rental is extended beyond its fixed term and becomes a periodic tenancy, the tenant(s) will be required to provide one months' written notice prior to the contractual date in order to bring the periodic tenancy to an end. I do agree you called and spoke to me that your intentions were to vacate, however I informed you that we must receive this notice in writing, which you have failed to provide. I can take this email as your notice to leave but you will be liable to make rental payments up to 5th December. (30days from this notice). My Reply. Hi Thank you for your email. Again I will tell you that I will be leaving the apartment on or before the 14th of November as good will gesture. The contract term you have given is unfair and unenforceable. If you pursue this matter any further then I will have no alternative to report this to the Office of Fair Trading. Any attempt to take any money will be defended using the UK court system. I advise you to seek legal advise before you reply to this email. Susan. Their Reply. Today at 11:43 AM Once again as per the contractual agreement you have signed with us you must provide WRITTEN notice to vacate. We have sent you a number of letters and emails which we can provide as evidence to show you have failed to provide the written notice. Should you fail to make the notice period rental payment we will retain from your bond. The amount for your records will be - £440.00 (£600 rent / 30days in month = £20per day. £20 x 22days (14/11/14-5/12/14) = £440). I have also enclosed your contract which is signed, and all the letters and emails sent to you regarding written notice. For all we knew you could have changed your circumstances and wished to stay in the apartment. Should you disagree you will have to dispute the matter with the company where your bond is held (My Deposits) this will have to be done following a check out appointment. Can anyone advise on how I should now proceed with this.

Three years ago changes were made to legislation whereby unless a vehicle is subject to a SORN declaration, they must be insured (even if the car is parked in your garage and never driven). Following the change in law, if a vehicle is not insured and is not registered with a SORN then the vehicle owner faces a £100 Fixed Penalty Notice and the potential for their car to be clamped, seized or destroyed, as well as being subject to a court prosecution and a court fine of up to £1,000 This subject is very serious indeed given that every month DVLA send 60,000 letters to vehicle owners and in the past three years (since the change in law) 670,000 vehicle owners have been prosecuted. In fact, according to the following article......6,000 motorists are prosecuted each month and receive a £100 Fixed Penalty. Apart from enquiries regarding fines for using a TV without a licence, these Fixed Penalties are ones that we receive most enquiries about every day. http://www.thisismoney.co.uk/money/cars/article-2851587/Clampdown-uninsured-vehicles-sees-60k-letters-sent-month.html

Hi I took out a fixed-sum unsecured loan with HSBC back in October 2007 which was covered by the Consumer Credit Act 1974. It was for 5 years (60 payments) and finished October 2012. I had heard about them owning up recently to problems with statements and was talking to someone at work who recalled the Northern Rock problem with statements not stating original amount borrowed. decided to dig out my annual statements and loan agreement. Mine doesn't have the original amount borrowed on just opening balance and the payment and closing balance. Bit confused, is it only a requirement on certain loans? They only seem to mention problems with not having the part payments criteria that was missing in all the information i can find on the internet. Plus on one forum somebody said they had spoken to HSBC and was told that it only affects loans since 2011? Thanks

Hi I have a problem with my water changes as below if anyone can help please. Actual water usage for period 01 April 2013 to 20 February 2014 (365 days) Fresh water used= 11.87 price per m3 = 128.43 Fresh water used £15.24 Fixed charge £25.01 Used water disposal £8.36 Fixed charge £50.01 I didn't use much water & the fixed charges amounts to way more than the water. I asked if they were allowed to charges so much & they claimed they were. I'm very annoyed with them because they claim that this is for work done. But when I moved in to my flat in September 2012, I asked them to read the meter & they refused. It took 6 months before they read it & in that time I hadn't used water, as couldn't work boiler (used bottled water, as I do for most things). Nevertheless they are claiming I owe them £64.25 estimated cost for previous period too. I wrote to Thames water several months ago stating I didn't use any water for first 6 months in property & they have no proof of such, so I won't pay the £64.25 estimate. I also asked them to reduce fixed charges by half, stating I wouldn't pay until they corrected the unfair bill. But they still claim I must pay. They claimed regulatory ombudsman had stated their charges were fair & in line with what they can charge. They gave me number of ombudsman but said that ombudsman would say the charges are fair. Thames water claim I must pay a yearly service charge of £80 no matter how much or how little water I use. I stated that I have no problem with paying for water & waste water charges but don't see why I'm being asked to pay £80 year on top of this for nothing. Especially as they only read meter once every 6 months & it is located under manhole with whole streets electronically read all at once. I feel they don't warrant the charge. Is there anything I can do please? They have been threatening debt collectors. I'm on disability benefit & can't afford to pay £251 they now claim I owe.

I have run into an issue with our old friends at Unicom. This all started a couple of weeks ago when Unicom sales (who I have two phone line with) contacted me to offer a deal on Broadband which on the face of it sounded OK apart from when they got into their script they mentioned that it was a 36 month contract; I immediately stopped them there and said "I don't do 3 year contracts" the girl was a bit flustered and said "they only offer 3 year contracts" so I said "Forget it then" she convinced me to hold on and she went to talk to a manager. On her return she we can tie it into your current phone contract so I agreed and we continued on. Yesterday when my accounts administrator came in I explained what I had done and showed her the figures she did some quick sums and reported that I would end up paying far more than I do currently. She had a look around and she found several deals that would be a lot cheaper and asked me to contact Unicom to see how long we had on our current phone contract and to cancel the Broadband migration. I called customer services and asked when my current phone contract expires "May 2016" came the reply I then ask what is the term "36 Months" they replied; if this was the case then the contract must have renewed somewhere around April - May 2013 I didn't say any more on this subject at this point but I did go on and cancel the Broadband migration ( a few harsh words with a salesman here but I persisted). I then e-mailed a "Formal Complaint" to customer services stating that I don't remember any contract renewal and was this an "Automatically Renewing Contract" if so these had been banned by OFCOM. I received a phone call some 2 hours later and was told that it wasn't an ARC and that I had been contacted by phone in April 2013 and I had agreed to renew the contract for 36 Months and to top this they had a recording of the conversation. She went away and and listened to the recording and came back and reported that YES it was me and YES I had agreed to 36 Months; I asked if she could e-mail me a copy of this recording to which she agreed. Having carried out some further research into OFCOM's GC9 I see that they capped Fixed Term contracts to a maximum of 24 Months but what isn't really clear is if this cap includes Small Businesses ie those with 10 employees or less. Any thoughts on this would be appreciated. Regards Chris

I have been renting a house with two friends for one year. We completed a 6 month fixed term tenancy in February, and began a new one, which ended on 14th August 2014. Mid-July, I contacted the letting agents by phone to let them know that my two friends would be leaving, and that whilst I would like to try to get new tenants in, I couldn't commit to renewing the tenancy agreement. The letting agents accepted this, and asked me to let them know if I found anyone. I could not find anyone new, so found a new place for myself and expected the tenancy to end when the fixed term ran out. The lettings agents are now saying that as we did not provide written notice, we will have to pay another month's rent. Though they have compromised and are now only asking for half a month's rent. Neither myself nor my friends can afford this, as we've obviously got rent and deposit to pay on our new places. I understand that as it is a fixed term agreement, we are under no obligation to give notice. However in the first contract we signed, there was a clause stating "The tenant agrees that they must give at least one month's written notice before the rent due date, to vacate the property on expiry of this tenancy." There is also a clause stating that "The tenancy includes any extension or continuation thereof or any statutory periodic tenancy which may arise following the end of the term" This was in the contract for the first 6 months. The contract for the second 6 months made no reference to notice. Would we have a case to go to the letting agents with, stating that as it was a fixed term assured shorthold tenancy, we were under no obligation to provide notice?

hi all my mortgage is going on a fixed rate from a variable will bring down the cost a little get help with it from dwp do i let them know or will my lender forgot to ask and where do i send it many thanks

Hi all. Hoping for some guidance on a mortgage which is heading towards the end of it's 2 year fixed period, seems as though Virgin Money have made a mistake. In June/July 2012 i went to buy my first house. Things didn't quite go smoothly and we didn't complete until Nov 2012. The mortgage we took was a 2 year fixed rate with Northern Rock (now Virgin Money). Everything's been fine since, but today we got a letter through the post from Virgin Money stating our fixed period is coming to an end and we'll be on SVR from 1st July this year. This is good for us as it'll be approx £90/month cheaper, but it seems like a mistake as the mortgage wasn't taken out until Nov 2012, so i would expect to be on the fixed term until Nov 2014. Have logged into my mortgage account online and it confirms the correct date my mortgage was taken out, but also says that special rate (i.e. fixed term) ends 1st July. Has anyone come across this before of a 2 year fixed rate only lasting 20 months? Also, if it is a mistake would i be liable if Virgin Money realise this at a later date and ask me to pay the amounts they didn't charge me for (i.e. the £90/month that SVR will be)?

Hi All, I have unfortunately been the victim of some vandalism, with some kids smashing my passenger window, which in turn damaged the regulator that moves the window up and down, I managed to get the glass through my Insurance Glass cover, but Autoglass were unable to fit it, having found the damage caused to the Regulator. I asked my local garage who I have used before (although only once) if they would provide a quote for the cost to supply and replace the Regulator, and fit the Glass which I supplied, next day, I called to chase the garage, who told me there were 2 different part numbers, and he would like to take a look at the part so we got the right one (Autoglass had left the door panel off so should have only required a quick visual inspection) but suggested the part would be £70 or so plus labour but others were £100 plus and he couldn't say untill he checked. I arranged for them to pick up my car this morning as I live 500 yards from the garage, to take a look. Having not heard all day, I called when I finished work to chase up a quote and was told the work had been completed! I wanted a quote for the work as had looked at the cost to obtain the part myself and a Spanner Handy friend would help me do the work, however had it not cost too much more I was willing to pay for the convenience... £45 plus a couple of beers if it matters... I have collected my car as it was left out in the road outside the garage, (and they only had a spare key) but the lad on the phone said they had not done an invoice yet, and couldn't tell me what I am to be charged, but would call me in the morning... I'm moving this month so needed this done as cheap as possible, and I'm not afraid they will screw me with a big bill.. . so where do I stand, am I within my right to offer £50 as full and final settlement as thats what I would have paid to do the work privately, or should I refuse to pay all together as I didn't ask them to do the work?

We have an agreement for the rather unusual term of 7 months - it's a Fixed Tenancy Agreement with a letting agent. We moved in on 1st November 2013 and our bedroom window became very mouldy back in January. We weren't just putting up with mould, but also with "mushrooms" that were growing in between the outside single glazed window and the secondary glazing unit. The mushrooms would squeeze in through the secondary glazing and drop onto the window sill. We took pictures and emailed them to the agent stating it was a health & safety hazard and that both of us had had bad chests as a result of breathing in the spores during this time. It is now 13 March and whilst they've sent a couple of workmen over to evaluate it, work still hasn't begun. We dread every time it rains. We now wish to leave a month earlier than our agreement. The contract states the end of the agreement is 31 May 2014. Can we leave earlier on the grounds that the works still haven't started and the mould is still there? We don't wish to risk losing our rent paid in advance or our deposit of £1,150.

Hello, I'm writing this post mostly out of frustration, rather than expecting any advice. Although any advice or thoughts would be much appreciated. I have won a county court judgement in my favour relating to a business that damaged my personal property while providing a service for me. I'm now at the point of getting the judgement enforced and have found that the sole director of the company has registered a fixed and floating debenture against the company and is saying that all of the assets in the company are owned by a third party so the bailiffs are unable to seize any property to enforce the judgement. I'm thinking of applying for a third party debt order to freeze the business bank accounts, but am worried this will still fall under the floating debenture so will also fail.

I am have been on a variable fixed term contract since 2010. Some times it is 6 months other times it is 12 months. I would like to know if after 5 years my holiday is increased by 3 days being the same as permanent employees. Thank you

Hello, first time poster looking for some advice. I have been issued with a FP notice with a few notable errors (see attached images). Firstly, I have been given the police copy of the notice. This copy has no mention of how long I have to pay or where to make payment. Secondly, my name has been written against the officers full name label. Can anyone who knows more about FP notices tell me whether this FP is enforceable? [ATTACH=CONFIG]48731[/ATTACH][ATTACH=CONFIG]48730[/ATTACH]