Hello to all. I know it's Christmas eve and you are all busy, but I'm worrying myself sick. I've been an avid reader on here but have never posted myself until now. I received a ccj claim form through the post and sent back the admission form to the creditor. I filled it in fully and honestly and made an offer of monthly instalments. However, I made a copy for my records and somehow, I have just noticed that I dated it but stupidly not signed it. Where do I stand? Am I screwed? As I suppose I haven't completed it correctly. Should I email the creditor? Which unfortunately is amigo loans. Or should I ring the court or something? I am now going to be worrying all over Xmas that they will enter a judgement for the full amount and not the monthly payments or even send bailiffs. Please can somebody in the know advise me on what will happen? Thank you and merry Christmas.

http://my.meaction.net/petitions/pace-trial-needs-review-now

I am posting this on behalf of a friend so please bare with me when im answering as I have to double check before I post replys. A letter came through the post this morning from County court money claims centre giving claimants name and address and listing myself trading as my company name with my address as the defendant. I knew nothing at all about this. They are claiming £414.90 plus £50 court fees for services rendered by the claimant for advertising charges on menu booklets. The defendant has failed to make the payments due on their account. The particulars state 'The claimant contacted the defendant on a number of occasions regarding the balance however no payment was recieved'. This is where it gets a bit odd. They claim I am the defendant and that I signed the agreement , they have contacted me on numerous occasions requesting payment. However, on the agreement they have provided as proof it has my company name and my company email address (which I have only now got back because my ex changed all my passwords), my ex girlfriends address, my ex girlfriends name, her telephone number and her signature signing herself as company sec. She has never been company sec or had anything to do with my company may I add. I contacted her and she admitted taking it out and signing it, she had even paid the first two payments out of HER personal account and has offered her statements to show this, she said she was trying to be nice and get more business for me. I knew nothing of this and because we have split up she has stated she is not paying no more and refused to deal with them so this has now landed on my doorstep . Do I owe this money seeing as I know nothing of it?, I didnt sign anything, I paid nothing etc. I have sent in the acknowledgement of service stating I wish to defend this however the place where they have registered this claim is over 300 miles away from myself and I cannot travel up there so will need to do it all online. Thanks

Already approaching 150,000 https://petition.parliament.uk/petitions/104471 The one for Hunt is approaching 1/4 million https://petition.parliament.uk/petitions/104334 http://www.independent.co.uk/news/uk/politics/petition-calling-for-no-confidence-vote-in-david-cameron-passes-100000-threshold-and-could-be-a6724791.html

Could someone please advise if my assumption is correct. PCN received for code 02. The sign says no loading but the double yellow lines have only a single kerb blip which would indicate a timed loading restriction. If there is no loading at any time surely the kerb blips should be as Diagram 1020.1 and not 1019. I would be grateful if an expert could clarify this for me. Thanks for any help given

Do you RENT your home, If so, then you will know that good landlords are very very hard to find, Getting a repair done can be very difficult, or have you rented from a landlord who would suit the name slumlord more. There is currently no compulsory registration scheme for landlords or letting agents, I am petitioning the government to sort this out, Compulsory registration will help improve the industry, keep tenants safe from rogue landlords, and improve the quality of properties for rent. Please click the LINK below and sign this petition, You never know, it may help to improve your housing situation Tenants have to go through extensive vetting systems!! but what do landlords have to do, nothing, how do you know that your deposit is safe. This system i propose will ensure all landlords are solvent, mortgages are up to date, deposits are securely held, AND that Letting agents and landlords alike act in a responsible manor, This is something that has been over looked for too long, So help weed the crooks out of the system Please sign the petition below, all you have to do is follow the link. Please note, simply LIKING this post will have no input, you MUST click the link below please share this post http://epetitions.direct.gov.uk/petitions/69580

Hi I'll break it down as I have a few queries. SITUATION On 3/12/2013 I signed a Subject to Contract form at the letting agents, and paid the deposit, first months rent etc before moving in on 6th January 2014 on a 6 month AST. at the end it then rolled onto a periodic rental, which I then signed up for 12 months fixed contract in December 2014. I received a leaflet called "What is the Tenancy Deposit Scheme" and in my tenancy contract it says "It is protected by the following scheme - The Dispute Service www.tds.gb.com" I do not hold any further information on the deposit. 3-4 weeks ago, the letting agents telephoned me saying I needed to come in to sign up again, and that my landlady is increasing my rent (about 9% per month extra) I explained that as I was looking to buy my first home, I cannot commit to a new 6/12 month tenancy. He said that I had to sign up, and I explained that last year I had been on a periodic contract for 6 months, before renewing for a further 12 months, and my landlady had previously had no problem with this. He then called me back after speaking to my landlady and informed me that she was not happy with this as her financial situation had changed, and she cannot rely on me giving 1 months notice on a periodic tenancy. I explained very politely that I had already given my reason why I am not committing, and he became very pushy saying that house sales take on average 12 weeks to complete, so if I was to start looking in February, then I would be able to move out after the 6 months AST expires in early June. (Ok, no one tells me what to do!) I briefly explained that I'm a first time buyer, and there are plenty of houses in the area with no forward chain, so the sale could be a lot quicker. He then said that if I don't sign up then I would not have much choice, and finding another property for a short-term let whilst waiting for my house purchase to go through would be very difficult, as most agents sign for a minimum of 6 months. I panicked (all bravado went out the window) and offered to give my landlady 2 months notice to quit if she let me stay on a periodic tenancy, and I also agreed to the rent increase. He has phoned me twice, asking me to confirm this. I returned his call after his first voicemail, confirming this with his colleague, and when he called me again and left another message asking me to confirm, I didn't bother returning his call as I was pretty fed up with him by now. Question 1. I emailed the letting agents to ask about the deposit, and they said that they hold a copy of the certificate - would I like to see it? Is this a breach of any law by not automatically providing it to me? TDS website says it cannot find any record of my deposit using the information I provide - name, postcode, deposit amount. Question 2. Even though I have verbally accepted the rent increase, should I receive proper and legal notification of rent increase, before I pay the higher amount in December? Question 3. As I agreed verbally to provide 2 months notice to quit when I go onto a periodic rental tenancy, to avoid my landlady serving me a Section 21, do I have to do this by law? Question 4. My copy of the initial 6 month AST has not been signed by the Landlord/Agent - should it have been? From memory, I think they signed the copy they kept (they had printed off 2 copies, as opposed to giving me a photocopy of the original one). Question 2 and 3 relate to that I really did panic, as I don't want to have to move out for maybe 2 months before moving into the place I hope to buy, as I'm worried how the mortgage lender will view this in terms of credit scoring, making sure I'm on the electoral roll etc. If I do have to commit to the rent increase, and 2 months NTQ then fair enough, I've learnt my lesson for agreeing anything under pressure. It's since I've tried to locate my deposit, that alarm bells are ringing. It took my landlady 6 months last year to replace broken fence panels, which really peeved my neighbours off. They understood it wasn't my fault and that I had chased it up 3 times. When the fence was finally replaced, it was a 3 foot wire one provided by the council (the landlady had bought an ex local authority house conversion flat). Why it took so long, I have no idea. We were all laughing when it was fitted, as had we of known, we would've spent £20 purchasing it ourselves, rather than waiting for the council maintenance department to fit it. The tenant downstairs is a local authority tenant and asked me to contact my landlady as the guttering at the back of the property is leaking badly every time it rains. This was 3.5 weeks ago, and we've heard nothing. Any information is greatly appreciated. Thank you

Sent a letter to DVLA containing V5C form after selling my car, via first class recorded sign for on the 18th June. Checked the on-line RM tracking system yesterday which stated item still with Post Office and in system ? Spoke to DVLA and confirmed not received. So I complained to Royal Mail customer services and received a response today. Basically they are apologising for the error and requested that I keep checking and if not received within 15 working days, they say that I can submit a delayed inland claim form ? They also again apologise that they are sorry that they cannot trace the item but say that RM Signed for items travels with ordinary mail and is only tracked once delivery is attempted ? What is the point in sending and paying extra by recorded delivery ? Surely considering the nature of the item involved they would have investigated further ? Do I just wait until the 15 days are up or do I request that it is investigated further ? Thank-you

Hi guys I have an old Kays catalogue 2010 that is on my credit report and has had a CCJ applied 2014. I took the catalogue on from my mum originally but never signed an agreement. I then ended up moving house twice and knew nothing about the CCJ until now. What do i do? I could either get the ccj put aside which i think i have to do a n224 form for and comes with a fee. Question will i have to go to court to set it aside as im a nervous wreck. My other option would be to challenge the debt because its not signed. I dont have a credit agreement so i cant check whether there are any loop holes. If i do this has anyone got a draft letter they could provide me as i havnt a clue about laws and stuff like that. if anyone chooses to reply please bear in mind im not very good understanding legal stuff Thanks for looking x

So, it is ok for this to happen when the NHS want to save money, but someone who is already suffering from a dreadful disease who wants to end their life.. Cannot do so ??

Hi there Quick question, one which would be helpful for many others as well. 1. Can someone have a friend with them when they go to the Job center to sign on? EG to act as a witness? 2. What part of the regulations allow this? I am pretty sure the answer is yes, just need the regs to back me up when I go with my friend next. Today he opened his claim and I was refused permission to go up with him.

Hello This week I switched my home insurance to Home Protect, arranging to pay it monthly. Today, I heard from a company called Premium Credit, telling me that Home Protect had set up the credit arrangement for the insurance through them. I was then asked to register on their website and also to electronically sign a copy of the CCA1974 agreement. It also stated that if I hadn't signed by 27th April, then they would add £10 to my account! So my question is, can they actually legally do this? I thought the terms of the CCA1974 states you should sign ONLY if you wished to be bound by it. Effectively, they are fining me if I don't. Clearly, they just want to be able to guarantee any potential court action they might take would be successful by having a "signed" CCA1974 form but this just sound wrong to me. Any advice would be much appreciated. I see this particular company has been posted about before for exorbitant charges for failed direct debits which doesn't surprise me!

Sorry, deleting temporarily as I don't want to be identified. Moderators feel free to delete this post/thread.

I am trying to claim some ppi back that was a joint policy with my ex partner. My ex partner has refused to sign it since 2010 so that the money can be paid. She wanted a share but I explained to her that since we were still owing the (outstanding) loan was more than the ppi they may subtract it from the loan. I am the one responsible for the loan now since I live at the property so she said that she will not pay towards the loan even though we shared the loan. The bank has refused to make payment until it is signed by both of us. I spoke to her yesterday and she said that she is thinking about it but that is what she says everytime because she wants me to lose the property. The Bank does not want to pay even 50% which I think it will still be unfair because I will still have to pay all the loan. The Bank has now sold the loan to another company and they are chasing me for all the money. Is there anyone who has claimed on a joint policy and has not be able to contact ex partner and succeeded in their claim. Any help would be appreciated. Thanks

Hello there, I hope you lovely people can help and offer some advice... I received an 'unpaid fare notice' from First Great Western exactly 7 months ago because I didn't have my young persons rail card with me (it was stolen on the train). They treated me badly and the experience was very distressing (lady made me cry), I disputed the notice within the 10 days given, and sent a long letter as well as all my original documents to their address (tickets, notice, etc.), asking to be pardoned from the fine due to the bad treatment and the fact that the fine was too large and unreasonable for the situation (there was theft involved, and the treatment was bad). The problem that I have is that they have not been in touch, I have not received any letters, and they have not even informed me that they received my letter (it was sent via recorded delivery). Unfortunately (stupidly) I didn't scan anything and I have lost the letter I wrote as it was so long ago. I only have proof of ticket purchase on email. What should I do? Can they prosecute me later, even though I had no warning or letters? Is they haven't done anything within 6 months, doesn't that legally mean that time has expired for them to prosecute? It was all sent to a Reading address that was on the notice. I wish that they would have at least sent a letter in response, saying something to put my mind at ease. Thank you very much

I would like to know if anyone here is on weekly sign on and if the JCP can force me to do it, as first i have heard of it and am sure my horrible advisor is just doing to see me break and to sanction me. I have always been signing every 2 weeks, back signed on a joint claim after partners xmas job ended. I was put down for fornightly signing on when given my book and for some reason, i go to my first signing on and she has changed to weekly, despite the fact the partner is still signing every 2 weeks, How can that even work? I have read that it is for people that are not doing enough to find work, how can she decide on first signing on and i always look for loads of jobs and make sure my book is filled out very well, i do a lot more then most people including my partner. Feel i am being treated unfairly and would like to make a complaint. Also how do i go about changing advisors, as he is horrible. does not care about my mental health and the fact that weekly sign on would be very distressing and does not take my limited into account like sending me to a apprenticeship which don't mind but they are all over my limited hours and she knows that

I sign on again next Monday but I have a wedding to go to on that day. What do I do? I wont be able to attend that day at all :/ Do i lose my money? thanks in advance:!:

Hello, I'm after some advice please. I've recently moved London Boroughs and duly told JCP. I've done the live transfer claim and had to sign the new "Claimant Commitment". All fine. The lady at the interview booked me in for my regular signing day (tomorrow) and gave me this booklet called "My Work Plan". I've read around this forum and understand it's not mandatory. (I downloaded the excellent FOI requests linked on another thread and have printed it off ready to show them tomorrow if they get shirty). But I have two questions please. 1. Although completion of the My Work Plan is technically not mandatory, do I have to sign the front page that looks like an extension of the CC and also has other important statements I must agree to (including info on my next signing date, etc). But if I do sign it, aren't I also accepting to use the My Work Plan booklet implicitly? 2. If I kick up a polite stink and stand my ground, then I might win this battle, but isn't there a danger my card will be marked with my new adviser as a trouble-maker and she will then seek to stick me on daily signing, some community work bulls**t, or whatever is the worst within her power to otherwise stitch me up to the letter of the law? Am I therefore just better off giving in and completing this damn waste of time, infantilizing and pointless booklet? I currently use UJM "Activity History" box daily to record all my searches, and always print off a Hotmail screenshot of all the jobs I've applied for (at least 10), so I honestly feel I do enough to jump through their hoops to get my pittance. This Work Plan book is just a step too far. Thanks for reading this far, and any specific legislation or FOI facts you could point me to would be really appreciated. I'm grateful too if you can only offer opinion, but the fear of being sanctioned and left with no option but to steal, get criminal record, ruin my life, die, etc, means that opinions are of no use. I need cold hard facts to battle these vindictive, power-crazed secretaries at JCP!!

Hello, Apologies if I have posted in the wrong place but I am hoping someone may be able to help please? Today I went to pick my son up from the village primary school and I parked in the same place I have done for the last 2 years with no problem - residents seen me and said hello etc. Well today for some reason 2 separate residents decided to have a go at me abusively for parking where I was with one calling me names unprovoked and the other threatening to smash my car! I was absolutely fuming! The first person when he realised I wasn't going to back down disappeared into his house and the second person hung out of her bedroom window hurling abuse! Normally I would ignore low lifes like this but the area is right next to the primary school where some of the kids were on the playground and could of heard her and also because of the threat to my car. I said if there is such a problem why have they not said anything before to which they didn't answer! Where I park for 10 mins max is not in anyones private parking place and the sign showing just states 'Parking for residents of West End Terrace Only' - there is nothing to say that you would be fined / towed / clamped, etc. To this end I wondered if anyone had any thoughts on what I should do? (If anything). Thank you.

What's the general situation in terms of final payment when signing off JSA? Is it done quite quickly after you inform them you wish to sign off, or a lot of hassle? If you're relying on the money due to starting a job or similar and waiting for wages, can you chase them as you normally would for a giro or same day payment? I should add that in my case I signed off yesterday (Friday) and need money for the week ahead as I'm starting university. Really I need money by next Friday though. However my usual payment wouldn't have been due until a week on Tuesday. Since I'm signing off though, surely I'm entitled to it as soon as I want it? Many thanks.

This sign has been placed so that we can have a mobile library, there seems to be something missing. Is it legal and enforcable?

hi guys, i'm querying on behalf of another. what is the best way to sign off from the work programme? it's coming up to 2 years and she's managed to find a job (another part-time making it 16 hours) through her own efforts and she doesn't want the bullies from the WP to benefit if at all possible. they've been nothing but awful throughout. so will they get a bonus payment or reward regardless? she wishes to claim working tax credit after signing off. how should one go about signing off now? it's a shame that her 2 year deadline with the WP didn't finish like a month sooner. would've saved a bit of hassle thank you so much for any tips or advice!

Hi all, We recently moved to a new house after being issued a S.21 (because the landlords want to sell the property). We vacated the property within the 2 months and are now in our new place, and tomorrow our previous landlords are coming to inspect the old house which we've had professionally cleaned. There were a lot of problems with the property whilst we lived there, such as damp, water damage and bricks falling out of the wall. I have a feeling that when she comes to see the property she will say that she'll release our deposit (because she does things like this, she doesn't like confrontation, and will text us later) - so is there any document I can use/print (like a contract/agreement) for her to sign so that she can't go back on her word? We will also be taking a friend with us as a witness. TIA

I am writing on behalf of my girlfriend who got her car towed last saturday morning 7th June 2014. They told us it was parked in a suspended bay, but after reading several posts on this forum, it seems we may have valid reasons to appeal. We would be very grateful for anyone more knowledgeable about the law on this to advise us on our appeal before we submit it. She thought her car had been stolen and it caused a great deal of distress. Plus it was a huge inconvenience to us as we were due to go away for the weekend in the car. The car was parked on St. John's Hill in Wandsworth, London. They told us that the car had been towed because it was parked in a suspended bay. Later in the day I went back with her to where she was parked and took some pictures. I also include a scan of the PCN that was given to us when we went to collect the car. https://drive.google.com/file/d/0B0Vqw_YSKNY5RkJGMFBQQjE0Z0J1cGRjejhwd2R6dmpKTEV3/edit?usp=sharing https://drive.google.com/file/d/0B0Vqw_YSKNY5T3pXSVBjeVpYX0VuUFhaTHNrWGRjU0h1dEtj/edit?usp=sharing https://drive.google.com/file/d/0B0Vqw_YSKNY5UzdXQklpREptWXhkV0p5NldTclVCZFV2cDR3/edit?usp=sharing https://drive.google.com/file/d/0B0Vqw_YSKNY5Z3lrckNlQzZfSzZJai1fTVN1aDdmVUc4VFBB/edit?usp=sharing https://drive.google.com/file/d/0B0Vqw_YSKNY5X3NLemNOYjM4RTQ/edit?usp=sharing You can see that the suspended bay sign was several car lengths away from bay where my girlfriend was parked i.e. the empty bay in the pictures. This is pretty much how it looked when my girlfriend arrived to park. i.e. all the other bays that are closer to the sign had cars parked in them. My GF parked and left her car, walking in the opposite direction to the sign. There was no other sign on the other side of the suspended bay. She never noticed the sign in the photo, further down the road, so she had no idea the bay she parked in was suspended. I am wondering if we can appeal on grounds of any or all of the following: 1) It was not at all clear that the bay was suspended. The only sign was several car lengths away. No other sign on the other side of the bay. 2) Is the sign valid? I have read in other posts that sometimes the sign itself does not follow 'the rules'. 3) The sign says that the bay outside no. 97 is suspended. The pavement is quite wide and it is not clear which bay this refers to. Especially because the only sign was so far away from no. 97. 4) When we went to pick up the car at the pound in Mitcham, we were told that we had to pay £265 or they would not release the car back to us, even though I told them we wanted to appeal. I have since read in other posts that the this is not the law. Apparently, they cannot force us to pay to release the car if we choose to appeal. Is this true? 5) My GF was away from her car for approximately 1.5 hours. when she got back it was gone and no indication where or why. Can they tow it without any warning? 6) We notice the address of the suspended bay is different on the PCN to the sign. The sign says "no. 97". The PCN says "no.s 97/99". Do we have grounds to appeal? Should we use any or all of the above in our appeal? Is there anything else we should put in our appeal? We would be very grateful for advice on this. Thanks in advance.

Hello, Please remove or move to the relevant place if this is the wrong section. Today a unpleasant incident occurred involving myself. I am on the Ingeus Work Program and today i went to sign off to become self-employed. My advisor at Ingeus asked me when i have signed off to get the JobCentre to ring her. Then she could release the funding Ingeus have provided for me. I arrived at JobCentre and to be greeted by the front desk member of staff who ive had runs in with before. Hitler type of attitude. Along with two G4S guys. Anyway i filled book in to sign off and handed it over to the front desk guy. I requested he phoned my adviser to confirm i was there signing off. He refused to do so saying he cant do that and what was the money been released for. Even though that was confidential i told him why to be told the same. I whipped my sign on booklet away from his hands and requested to see another member of staff. Now he did not oblige to do carry out my reasonable request and ignored me for around ten minutes. He stated he was the floor manager at the time. Anyway after numerous ignores and me standing waiting at front desk i stated ok i will go and find someone to help me to provoke a reaction. At this point i made my way to a door and then was restrained by the GS4 staff. Escorted out of the building. Bare in mind i wanted to sign off. Anyway at this point i was seen to straight away by another member of staff in a private room. Who resolved my issue quickly. Now when i requested a grievance procedure form they had none and said to write it down on a a4 paper to which they supplied. Now i started to write it out and thought no this is wrong. Now this is my question who is the DWP Chief Excuetive? I know it was a Mr Darra Singh a few year back i believe he has now left. Any help would be grateful. I have had run ins with this person at the JobCentre before. So there is a conflict of interest so it would seem a reasonable request that they carried out my request to see somebody else. Im no longer on JSA and never hope to o back on it but i will still make this complaint to help others out there as he may have other complaints against him. Thanks Michael.