READ MORE HERE: https://www.gov.uk/government/news/thousands-of-students-will-benefit-from-new-cadet-units-backed-by-50-million-government-plan

http://www.telegraph.co.uk/news/2017/02/01/end-rip-off-rail-fares-ticket-pricing-system-gets-overhaul/

This was my girlfriend who did this without me knowing. She signed up to some well being 6 month course where they offered it for $10,000 and she said she could not afford it so they let her have it for $7500 and she signed some digital contract that states if it does not work you don't get your money back. Well it turned out to be a few videos on well being, food and exercise etc and 2 x 1hr group calls, a total rip off and it has done nothing for her at all and she feels utterly stupid for signing up and wants out. She is paying £250 a month and has 3 months left of the course but around 2 years to pay it off, she is v angry and feels duped. My question is if she walked away now, would they chase her for the money through any court action or other? Thanks

Hi I have a mortgage with BOS I have been in arrears since 2011 and didn't pay at all for a year or so stated payments again in April till July then missed aug and sept then set up new arrangement and paid two In October and one in November the direct debit will be missed on 30th as I don't have enough but it will be in my bank on 5th jan will they retry or is it best to call and explain? My arrears are 9800 Thanks

Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it has just stopped! We both had a job centre interview yesterday which is part of this ridiculous process and my husband has to go back yet again with business details. He only earns around £5000 per year , they basically want to see if it is worth him running his business, if he earns enough, if not they will make him look for other part time work - how on earth can he do that around a self employed business that is on demand (ie it depends when his customers want him!). This is all if we want to claim universal credit. So, i assume they will say he does not earn enough and will have to find other work....we do not want to do this so my question is, if he says no to looking for other work, will we just get no help....even with a new baby. Am i correct in thinking that £5000 per year approx will not meet their requirements? Just wanted a little bit of advice before we see them again. The whole new system is ridiculous, i have worked and paid tax all my life yet when we need a bit of help we have to fight for it, yet people who dont want to get a job, try their hardest NOT to get one, receive all the help there is out there!!! Any advice appreciated

Lettings agents in England will be banned from charging fees to tenants "as soon as possible" under plans announced in the Autumn Statement. Tenants can be charged fees for a range of administration, including reference, credit and immigration checks. Chancellor Philip Hammond said shifting the cost to landlords will save 4.3 million households hundreds of pounds. The move could spur competition as landlords, unlike tenants, can shop around for the cheapest agent. In Scotland, lettings agency fees to tenants have already been banned. In England and Wales since last year, lettings and managing agents have been legally obliged to clearly publicise their fees. Fees vary widely, with costs in some big cities much higher than elsewhere. Tenants face charges when agents draw up tenancy agreements along with the possibility of a non-refundable holding deposit paid before signing up to the deal. http://www.bbc.co.uk/news/business-38065249

I recently ordered a bag from the store online and posted it back to them. I had ordered something similar a while ago from the same store online. Both items black backpacks and the same rubbish to be honest, but I think I may have sent the wrong one back. They have received my return from what my tracking number tells me, but they've not processed it yet. I was wondering what could happen or if they'll get me in trouble for this.

Hi there, Just a quick question which I hope someone may know the answer to. I have a few debts with debt collection agencies which I am paying monthly to. 2 of the debts are with one agency but only one of these shows on my credit file as the other 'dropped off'. My partner settled the account showing on the credit file in full using the agencies online payment facility. The question is will this account/debt show as paid in full on my credit file or will I have to settle both accounts with this agency first? kind regards Robert

They shall grow not old as we that are left grow old Age shall not weary them nor the years condemn At the going down of the sun and in the morning We will remember them

Hello, I am going to copy the letter that I have spent all day preparing, to send back to HMRC after I received a tax credit letter stating that they need to check my tax credit claim. I know that I have been stupid. I shouldn't have posted the claim form at the end of Sept when i had already signed up to uni and had already decided to just work for the playgroup. I kept meaning to ring them and tell them I no longer wanted to claim it but just kept letting myself get distracted by other matters. I then got a phone call about a week ago and was told that they wanted to check some information about my work. I agreed and stupidly just said yes when she asked if i was still acting in cleaning, gardening and clerical work. I have only been doing clerical work this year and only for one customer after receiving the letter and panicking that i am going to go to prison i went online and found this place and although it has reassured me that i probably wont go to prison i am still past myself with worry that they will carry out a full investigation and i will lose my job. I cannot have a criminal conviction with my work. I have not at any point earned enough money to pay tax or NI on my income. Please would someone take the time to read my letter and tell me whether you think i will be prosecuted please, thank you in advance, any advice will be gratefully received. Dear Sir or Madam, Stupidity and ignorance are no excuse for the mistakes I have made but in an attempt to be as transparent as possible I am setting out some information that will help you understand how I have come to be in the position that I am in with regards to tax credits. I previously worked as a teaching assistant in the early year’s sector in primary schools in *******. I worked in the sector for 14 years. When new leadership came into the school and my contract hours were cut I decided to leave and to attempt to be self employed. (April/2014) I started off doing craft fairs and selling hand- made items through fairs and word of mouth. However there was very little money in the type of field I had tried to enter and it was obvious that I wasn’t going to make any real money in the process. The profits were too low compared to the outlay. I began a cleaning job to increase my income and started looking for other work I was contacted by ****** playgroup in the September of 2014 and asked to work as a consultant in order to help them to improve when they received a ‘requires improvement’ judgement from Ofsted. I sincerely believed that the work I was doing, as most of it was done from home and other parts were going in to deliver training, constituted self employment. The income received from this work was declared in my self assessment declaration that was processed by my tax accountant. The workload increased over the next year to the point where I was working almost solely for them but still growing vegetables and making occasional commission pieces for people. By now I wasn’t cleaning the holiday cottage on a regular basis but had some work cleaning cottages on a as needs basis. Again all of my income was declared. I moved from my previous home that was a smallholding in Sept of 2015. From there, on an honesty box principle, I used to sell vegetables and eggs from my chickens. When I moved the new garden wasn’t ready to do that from but I have been working on it in the hope of having it ready for next year to continue to do the same. However, having now looked into the matter I understand that this sort of attempt to make money is not really considered to be attempting to make a profit on a self employment basis. Therefore, I shall not be doing this again. I was asked to be a permanent member of staff from Sept 2016 by the playgroup I had been working with, with 12 hours of that being in the setting and doing 8 hours a week admin at home. I thought I would remain partly self employed and part employed. ********* playgroup operates for 15 hours a week and is staffed by part time staff and volunteers. They were PAYE exempt as no-one earned over £112 per week due to the low operating hours and low wage at the time of £7 an hour. This was increased to £8.20 an hour when the new minimum hourly rate came in in April 2016. After receiving your letter I have done what I should have done ages ago and found out some more information about what constitutes self employment and have realised that in fact I would be regarded as an employee and not self employed due to receiving holiday pay etc since April. Also that the sale of produce from my garden does not really amount to attempting to make a profit. I should have sought advice earlier but just carried on assuming that as long as I declared my income that would be alright. When I was asked to become a permanent member of staff I fully intended to make up my hours from the 20 at the playgroup to 30 through acquiring 10 extra hours in the form of cleaning work or more clerical work, but casual work is very hard to come by in my area at present. Also in the meantime I decided to go to university in order to improve my qualifications in the hope that in the future I might gain a full time better paid job. The course is full time and I soon realised that I wasn’t going to be able to meet the commitment required of the course and the 20 hours a week at the playgroup and take on extra work. I realise that I should have contacted you immediately and withdrawn my claim for working tax credits and I have no excuse for it except to admit that I allowed other things to seem more pressing. It is only since considering my position that I have realised that my status as a self employed person is incorrect and I can only sincerely apologise for my error. I of course wish to cease the application for the working tax credits as I accept that with my current working hours I am not entitled to them and apologise further for not contacting you sooner. I am in the process of engaging a new tax accountant and hopefully will be able to get my tax status sorted out with HMRC. Because of my new understanding of my employment status we will be setting up a PAYE scheme at the playgroup with this accountant to sort out what needs to be done about my payments since April and to avoid any further confusion. To clarify my working hours for this tax year I have set out my income from the playgroup in a table below. I hope that this clarifies matters regarding my income so far this year and my probable income for 2016/2017, although should I be prosecuted over this matter my employment will cease as I am expected to have a clean DBS as I work in the children’s workforce. Please let me know what else I can do to get this matter sorted out. In the meantime I hope I have included everything I can to answer the information that was requested in the letter dated OCT.16 from HMRC. I know that I shouldn’t have sent in the claim for tax credits as I was becoming increasingly aware that I would have to focus on the work at playgroup and doing my degree and nothing else as I was going to struggle to fit anything else in. I have been stupid and not sought proper advice about matters that were important and should have been prioritised. I am begging you to consider the fact that the working tax credits and child tax credits received in regards to my daughter until the end of August 2016 were received in good faith as I was working an average of approximately 18 hours a week, however if this money is considered to be an overpayment, then I will of course pay it back. And also that I have asked for the new claim to be withdrawn and have not received any money in regards to this claim. Started trading as a sole trader 19/04/2014 2014/2015 profit account £2043 Doing craft shows, commissions and cleaning holiday cottages. 2015/2016 profit account £4707 commissions and cleaning holiday cottages, also selling a small amount of produce from my garden and working as a consultant for ****** Playgroup. From April 2016 working for ******** approx 18 hours a week Playgroup operates for 15 hours a week term time only (39 weeks a year). Term time 20 hours @ £8.20 per hour pw £6396 39 wks 780 hours Holiday pay 20 hours @ £8.20 per hour pw £ 820 5 wks 100 hours Admin pay 5 hours @ £8.20 per hour pw £ 246 6 wks 30 Outside term time 2 weeks unpaid. £7462 910 hours per year. For a full year a total of 910 hour. 910/52 weeks = 17.5hours per week. £7462 pa/12 = £621.83 As you will be able to see from my bank statements this is the amount that has been paid in monthly. Total wages were worked out and paid monthly to make cash flow for playgroup easier. I have enclosed my bank statements and the slips I receive from playgroup to show I have been paid. I have included a set of copies of the bank statements with notes next to the debits and credits listed to show what the amounts are for although most of them are referenced in such a way that they are self explanatory. I have considered myself to be covered by the insurance that the playgroup has and have included a copy of their policy although I haven’t sent the original as this does not belong to me, if you require the original please let me know and I will ask for permission to send it to you. I don’t have a mortgage and I don’t have business vehicle insurance as I don’t use the vehicle for anything other than commuting. The work I do as far as I am aware does not require any licensing or regulations. I have included my most recent profit and loss accounts. I don’t have a business plan and am afraid I have to admit I never had, I just hoped I would make enough money to get by on until something better came along. I hope I have covered everything; once again I apologise and hope that this matter can be sorted out

I have watched this programme and depending on when they filmed each series certainly the one prior to the latest, maybe even this series will have been filmed after a change in law http://www.landlordlawblog.co.uk/2015/11/17/new-nightmares-for-landlords-using-high-court-sheriffs-to-evict-tenants/ Nicholas v Secretary of State for Defence, High Court, Chancery Division, August 24, 2015 Which they now have to give advanced notice about HCEO's being instructed to carry out evictions CH5 conveniently appears to have omitted this fact Also the methods some of DCBL staff (del & son) used to gain a questionable" peaceful entry" yes door was open but man standing next to it blocking entry further into property yet del's son still enters blocks door from being closed (surely this is illegal)? series 4 episode 11 i hope But this is the sort of thing if I'm correct that misleads people and causes confusion it's time that tv companies /broadcasters et el, were legally bound to report facts based on laws not fudging stuff for entertainment value, many of those featured are very vulnerable as are some who maybe watching these so called documentaries

I am in receipt of PIP and ESA, I have been diagnosed with Depression, Psychosis and PTSD. I live a very solitary life, with no friends or support from my family, I have a care worker from Mind who visits me for two hour once a week, aside from this I am completely withdrawn and live without any kind of contact with other people. I decided this was not a healthy way to go through life, after living this way for 4 years I decided perhaps further education could be a good option, to get to meet people and engage more in reality. In September this year I was offered a place on a part time post graduate degree at my local university, I was also awarded a £10.000 loan from student finance to cover the course tuition fees and extra expenses incurred by my studying (transport, study materials etc.), the loan is to be paid in six instalments over the two years of the course. I am now 3 weeks in to the course and I finding it very tough. I only have two hours of lessons per week the pressure is proving to much and it is now looking like I will leave the course next week, the loan will be cancelled as soon as I complete the course withdrawal form, however I have received the first payment. which was £1650. I am worried that I may lose my entitlement to ESA and PIP if I do not declare the time that I have studied for and also the amount of money I have borrowed and I am preparing a change of circumstances form to send to Jobcentre plus, could anyone please give me some advice as to how best to approach this situation.; Questions If: The total amount I have borrowed is £1650 (This must be paid back to student finance) The total amount of time I have studied is 6 hours over three weeks. I have a signed course withdrawal form, stating that I have left the course. I can provide proof of attendance showing that the course was only two hours a week. That I was only enrolled on the course for three weeks. I would like to know. . Was this amount of study time within the allowed boundaries set by ESA/ PIP Is this loan classed as Income or Capital by ESA/PIP Will I lose my entitlement to ESA and or PIP? If not, will my benefits be reduced? Many thanks Coda.

Hi, Please give me your opinions on this: Purchased from main dealer an 18 month old car in September 2014 with 7500 miles on the clock and balance of 3 year manufacturers warranty. Noticed by end of 2015 (approx 28000 mile total) that gearbox 'crunches' when changed from 3rd to 4th gear quickly (yes this is a standard manual gearbox). Went to dealer in March 2016 to complain about gearbox (and other warranty faults), they drove car and agreed with me about gearbox. Manufacturer agreed to replace gearbox and new gearbox arrived at end of April. I couldn't leave car with the dealer at this time as I was on standby to work abroad for a number of weeks. Finally got gearbox replaced at beginning of June. New gearbox is much worse, not only does it crunch in 4th but it also whines (like an old mini) in 2nd. Car returned at begging of July to look at again, dealer agrees it is not correct but "doesn't know what manufacturer will say as it's out of warranty". Told them "don't care fault occurred in warranty period an has not been resolved - actually made worse". Manufacturer eventually agrees to send an engineer from the factory to look at my car who came last week. Manufacturer has agreed that the new gearbox is faulty but they will only supply a replacement 'box if I don't complain about it crunching in 4th as this is a "characteristic of the car". This is not entirely true as I have driven one of the loan cars with same gearbox and it does not crunch however the other loan car did, however there is a lot on the internet about failing gearboxes, crunching, stiff changes etc etc. The gearbox obviously has an inherent design flaw. The car was purchased with a personal loan with the car as security (dealer finance) although at the time I was told it was HP. I am thinking of pushing back on the dealer and loan company - under sale of good act, repair or replace vehicle - inherently faulty. Comments or opinions please? Thanks

Got a weird one here for you guys. In March i had a prang with a neighbour. I was driving out of our cul de sac and i stopped because the woman in the end house started to reverse. She carried on and i sounded the horn continuously, she stopped for a split second then carried on and hit my car. I notified the police as the woman's partner came out of the house and was very aggressive towards her and then myself. He later came to my door as we are neighbours offering me money for the damage but due to the car being leased from Motability i couldn't and my next door neighbour had to ask him to leave as i was getting very stressed and panicky. So the facts are :-- My neighbour damaged my car. Both myself and my wife were uninjured and the whole incident was witnessed by my next door neighbours. The woman driving the vehicle only had a provisional licence and was alone with a child in the car. The police are still investigating the matter. Today i got informed by my motability insurers that the other party claims that HE was driving and that I hit him and that because the two other witnesses apart from me and my wife are not independent because they live next door to me!! Even tho we ALL live in a small cul de sac with 9 homes. So my insurers are going to accept 50/50 liability!! I told them that in no way am i going to accept that and i was told that it didn't matter what i said, they will accept it because it is one word against another lmao. I have told them that it will affect my driving history and incur a financial punishment if i seek insurance after they accept. I have told that i will not allow any record of any liability to be entered against me on any records but they will not listen to me. I even told them that it was being investigated by the police and that by this guy saying he was driving, it was a serious offence but they said it was my word against his ............. where do i stand on this? I know it has no immediate effect on me but how on earth can they accept this? Like i could go up and bang into everybody's car in the cul de sac and say it was them and get away with it according to the way this bunch operate lmao. My argument apart from it being a total joke, is that RSA (my insurers) by accepting 50/50 liability are saying it was half my fault so he gets away with half liability and i get punished because if i seek insurance there will be a claim against me and i will be hit with more expensive premiums. What can i do??

Hello everyone, We bought an xbox for the children in December 2014 which we're having problems with - it keeps switching off randomly. I would imagine the warranty was 12 months, so it's expired. This 'turning off' issue seems commonplace - is there any chance I'll be able to do anything under the Sale of Goods Act with Argos? I've tried with Microsoft, but after 40 minutes online chat we're barely beyond 'hi'... I'm still trying now! Any ideas?

A few weeks ago I had a moment of madness and thought I could get away with shoplifting a £6 nail polish from Boots. I didn't even make it out of the store before a man in casual clothing calmly told me to follow him to the back room. From there I returned the product (in a sellable condition) and gave him my name and address. No picture, bank details, phone number etc was taken. Police were not involved either. I was told that I was banned from that particular store for a year and that I should be expecting a letter from RLP soon. I left the store and that was that. I received my first letter a week ago and from reading around this particular topic, I know not to be stupid enough to give RLP any money. However, I am curious to know when RLP eventually give up and stop sending letters. As I'm currently at uni (I'm 19) the letters are being sent to my mum's house and I won't be travelling back home soon for a few months anyway. Any help is appreicated!

Hi Everyone, thanks for reading. I have 2 defaults amounting to about £15k. I went through the entire process of seeing if they were enforceable and it seems they are. So i just moved on, this was about 2 years ago. I was just waiting until they drop off after 6 years. But i heard somewhere that these guys can come back after 5 years and start threatening you with court action. I couldn't care less, but i don't want the CCJ and going through another 6 years of rubbish credit. Has anyone had experience of this and am i better off giving them a tiny settlement and just being done with it? Any help or advise would be greatly appreciated.

In mid July i sent a parcel via Parcel2Go. Have used them before and had no probs. This time i was sending a child's fancy dress costume back to a company as we had bought it but it hadn't fit, so it was a simple return. The item cost £30 (which we would be getting a refund for once returned). The courier fees were £4.02 (i did not chose to pay for the extra compensation cover - as i refuse to pay compensation to cover myself against the company not doing what i am paying them for). It was using My Hermes (via Parcels2Go). A week later we were contacted by Parcels2Go to say that the packaging was damaged, what should they do. I asked them to continue with delivery as hopefully the item wouldn't be damaged. We let the company we were returning the item to know that the packaging has been damaged and to inspect the item before signing for it, and to reject it if the item was no good. A few weeks later we had still not heard more. I asked on Parcel2Go live chat and again reiterated that i want the delivery to be attempted. Nothing further happened for a few days (i was following the tracking info online). I contacted them again via live chat and they confirmed that the item had been lost and to initiate a claim. I raised the claim for £34.04. Only £4.04 has been refunded. They are rejecting my claim for the cost of the lost item (£30) as i did not take out their extra insurance. I have spoken to them via live chat today to complain. I was told that they were not liable for the lost item as i did not take out their additional insurance. I asked to escalate and spoke to someone else via live chat who reiterated the same thing. I asked for their full complaints procedure and was given an email address which they say is the last step in the complaints procedure and they will issue a final decision (and they have reiterated a few times that they will 'just say the same thing that i have been already told'). Although it is only £30, i am willing to stand up for my rights and demand compensation for them losing my property. They have referred to Ts&Cs 6.7 "If we are liable to you for any reason, we shall (subject always to clause 7) only be liable to refund to you the cost paid for the Service(s), unless you have purchased compensation cover for your Consignment from us. " Can i have anyone's thoughts on their liability to compensate me for lost goods in this situation?

Hi everyone I found out this year that my father (who I'd never had contact with) had died over 2 years ago, and had left me £25,000 in his last will and testament (I have a copy of the will from public record). However, the executor is my brother (who I've also never met) who inherited the majority of the estate, and after some difficulty in getting a response out of him, he has responded saying that I was removed from the will as a beneficiary. The copy of the will that is on public record does have codicils on it, but they do not relate to the money I've been left. My brother has now stopped contact, and I'm unsure of what the next step is! The document is a high court document from the district probate registry at Oxford, but there is no contact details for anyone other than the executor (my brother). Any advice please on how to proceed?

I was caught stealing at tk maxx today. It was a very foolish thing of me I admit. Something that costed £7.99 and I didn't want to pay for it as I had already purchase worth £70.01 at tk maxx and didn't have enough money for what I wanted. I took of the security plastic tag off the box and put the item in my bag while I got busy with my daughter as she was crying and kicking a fuss. I continued to checkout with all my other items amounting to £70! Then left the premises. A security came running down the stairs and spoke to me saying I believe you have something in your bag which you haven't paid for. I said ok let's check I opened my bag and saw the item then remembered I put it in my bag. I forgot about it as I spent nearly 2hours in the store looking for lots of things. He escorted me to the back security room and asked me to place everything not paid for on the table. I then placed the only item that was in my bag worth £7.99!! He asked me did you steal the item. I said I didn't mean to they were so rude and shouting. He then said look I'm calling the police and I cannot wait for that woman to tell me. Then I was obliged to say I stole it so that he doesn't call the police. Then he cut off the phone and said to me if I admit I stole it I said yes and started talking again he was angry saying that I'm fed up now I'm calling the police cause you're not ready to tell me. Then said that how are you going to explain to your partner if I call the social services because you stole £7 your daughter got taken away!! I stayed quiet and didn't wana say anything so they don't call the police. Now reading other threads I guess there will be a letter coming for me to pay for god knows what because the item was left un damaged. Shall I tell my partner �� I'm scared. I do not work to pay off any money to anyone. Please help me. They took my ID CARD with my details on it . And forced me to take my provisional license out of my wallet to show my address.

Hi I have received a claim form with a stamp and the county court address on there. It says on the back of the letter - Do not ignore this claim form - if you do nothing judgement may be entered against you without further notice. This will make it difficult for you to get credit. Included in the pack are Admission Form N9A Defence and Counterclaim Forrm N9B Acknowledgement of service The top two are options are self explanatory i believe it does state the following under the 'acknowledgement of service' option: If you file an acknowledgement of service but do not file a defence within 2 days of service of the claim form, or particulars of claim if served separately, judgement may be entered against you. If you do not file an application within 14 days of the date of filing this acknowledgement of service, it will be assumed that you accept the court's jurisdiction and judgement may be entered against you. I can recall this relates to when they claim I had stopped in a no stopping zone at one stop shopping centre in Perry Barr Birmingham. I was totally unaware of this till i recieved the letter and it was asking for £100! On recollection i had parked next to where all the taxis park, so my mother could run to the cash point. I was in my car at all times and my engine was on - she was back in my car in two minutes and i was out o there. There was no obstruction caused and i even doubt i crossed the line where the cross hatches begin - probably only to turn around and get out of there! Naturally i have been ignoring their demands and have not sent them anything, but upon receiving this now i am concerned as to what it is? Am i being taken to court? will i get a CCJ? and do i need to respond? what is my best course of action? Hoping somebody can advise me please. Many many thanks

Hey peeps, Just wondering if I could be entitled to working tax credits? From the info put into the calculator it says I am entitled but how I make the earnings might been seen as not like a normal "job". So since mum passed away, I have been all over the place, trying to figure out what I can do next. As far back as 15 years ago I was involved with the "paid to read/click" scene (Around the time when E-gold "bubble games" were a thing). That scene has now completely vanished. Soon after, I moved on to doing online surveys. A year or 2 ago I started taking them more seriously, putting a lot of time into them and reaping the rewards for my efforts. This topped up my carers allowance nicely. Looking at stats, in 1 year I earned around £900 cash paid to my PayPal account and nearly £500 in amazon vouchers. In the last 2 weeks I have earned almost £50 in PayPal cash and £20 in Amazon vouchers. So it is quite a nice earner. I know now I have the potential option to be on ESA, but with everything it involves including assessments, it's too overwhelming for me at this moment in time. Would earnings gained this way entitle me to working tax credits? If so, would this be classed as "self employed" ? Thanks

We have had a disasterous refit of our shower, and are suffering leaks and noticed some cracked grouting too. We have been in touch with Citizen's Advice Bureau and the first thing they said we needed was a written report from a professional to explain what the problems are and how to put them right. However we are struggling to find a professional who is willing to put pen to paper to give us this. Reasons cited include they don't want to get involved in a legal battle, the repercussions for them going against some dodgy plumbers. Can anyone suggest how I can get a plumber willing to do this sort of report? Hope someone can help.

If you've been enjoying Tesco's Clubcard Boost events, where you can double the value of your points and the like - bad news - the last one is imminent, as the supermarket are scrapping the scheme. The last boost will be held from 16th May until 26th June, so don't dither. The idea is to make these schemes easier to understand, and to make Clubcard points simpler. Clubcard Boost events have given the opportunity to swap points online or in stores, in multiples of £5 for £10 vouchers which you can spend in specific departments. However, over on their website, they've said that these events will be axed after they'd heard customers requests to make the whole Clubcard system easier to digest. Tesco said that they recognise that the scheme 'needs to be simpler to understand and easier to use'. Instead of sporadic boosts, now, savings will be offered throughout the year. All the information you need about this, can be found over at Tesco, here. http://www.bitterwallet.com/high-street-news/tesco-axes-clubcard-boost-events-may-will-be-the-last-one-91829

950% increase in vehicle exist duty!!!! Feel free to comment on the vid or here if you prefer about this