Hi all, I have a car on finance, which two days ago caught fire and is a write off, can I terminate my contract with the finance company under 'frustration of contract' as the finance company can now no longer supply the use of the vehicle to me under our contract? Just wondered what people's thoughts are on this. Many thanks for all and any replys Moonlandings

Hi i am new to this forum and i have big issue please some one help. i have structure issue in my house have instructed builder to do some work. Builder has quoted me £5000 for full work which include reinstall steel beam, new flooring, electricity and bathroom work. thought its a good deal entered into agreement with him and he started work. one month later when work was still continuing i found out the builder did not install the load bearing beam not correctly i had vibration in my bed room wall on first floor. Now the builder is refusing to look into this matter in more depth and has left without finalising the work. After few days later we had another person at the door asking for money i asked him who is it he said his company did electric work in the house . problem is that we did not instruct this company he was sub contractor from main builder. main builder did not pay him money for work he carried out. this sub contractor send court letter to our address on builder name and asking for more money which i forwarded to builder and he defended the case. sub contractor starts coming to my house and threatning me for money. I told him i am not person, he did not listen me. He visited house when my wife was alone he threatened her saying he will walk in the house and do wrong to her told her he will visit same evening and will kill me. we immediately went to police and report. same day evening sub contractor came to house and start kicking on the door we called police and they caught him in action. But i belive he release in few hours. After few days later i received money claim letter for £13k from sub contractor saying i am main person i have used main builder name to do these things which is not true. I dont know what to do i try to contact main builder but he left country and not returning. He sent me a contract letter between him and sub contractor that letter was signed by main builder. He also sent me email confirming i am not responsible to pay him. I dont know how can i prove myself in court as i am not the person what evidence i have to take with me to rely on so judge can see that sub contractor doing wrong things.

I need advice regarding Npower, i got into debt with my bills and its now £1,000.00, i called Npower and arranged to pay £125.00 per month starting from Oct and the payment was made via online, however they have now passed the issue for Past Credit debt collection who call me every day and email as well, i explained the arrangement and have been told no the bill must be paid in full. So i have refused in full payment and will still pay the £125.00 each month directly to Npower. They have listed the default on my credit file as well, is there anything i can do to stop the action they are taking.

Hello - I'll try and keep this as succinct as possible, which isn't very succinct having read it back. I have a BTL mortgage on a property in which I used to live. The mortgage originally was a repayment mortgage. Due to work relocation I moved out and changed to a BTL mortgage in 2014. became a classic 'reluctant landlord'. The property was let to tenants 2014-early 2017. I decided to sell the property earlier this year via estate agents. There were two offers on the property, over a period of around six months, each about 3 months apart, both of which were accepted. Unfortunately both potential buyers pulled out. Had the second sale completed it would have left a shortfall, but not an unmanageable amount. Apparently both pulled out as potential lenders wouldn't provide a mortgage on the property. effectively the property appears to be un-mortageable. I don't know exactly why, but I'm guessing it must be some sort of structural issue, subsidence, etc. The final resort, before 'voluntary repossession', is selling at auction. I have set a reserve price which will leave a more significant shortfall, one which I can't meet, nevertheless at a price which may sell. potentially mitigating any shortfall, where the maximum in the event of not selling, is obviously the full outstanding mortgage amount. However, in order to allow any sale to go through, my solicitor has advised I obtain consent from the lender, which effectively is the lenders agreement to discharge the mortgage on the property in the event it sells at least the reserve price, just to allow respective solicitors to complete a sale. For the purpose of this auction sale exercise, I'm not requesting immediate discharge of any shortfall. In the absence of any consent, the solicitor has advised me not to sell at auction. The lender has verbally refused to agree to this. in my view this forces me into a 'voluntary repossession' situation. Effectively I am trying to demonstrate I have done all I can to try and sell the property. by effectively placing me into a 'voluntary reposession' situation, I guess the lender will have to attempt to sell at auction anyway at some stage. Anyone else ever been in similar situation or have any advice?

I placed a order online for 2 electric scooters. One for my son and one for my sisters. Since placing the order I have tried emailing them at least 6 times with no response at all. My parcel has been stuck in customs for 6 days and there is no way to see why, which courier it is with or anything. Not sure what I can do usually companies reply or have a contact number they have nothing and no way of contacting them other then the emails and they are not replying to them. I am not having to give my sister the money for the one she bought to replace the birthday present which I am not to bothered about if I knew for sure I could find out what was happening with the scooters.

Hi, I had an account with Nationwide about 4 months ago, at the time I had an issue with a company taking funds without permission I contacted the bank which in turn refunded the two payments back to my account. A short while went by I thought this was the end of the issue with the company in question. I ended up closing my account to move to another bank which were offering a good switch to us deal therefore I did. Move forward to now, I've received a letter from Nationwide asking me to pay back funds of £500 as the company which I had the dispute with provided evidence to indicate the transactions were of my own, therefore they've requested me to pay back the funds into an account of which they've provided on the letter, this letter has come from the 'Payment Processing Controls'. I've tried telling Nationwide I did not give the company permission to take funds, the evidence the company provided were that of my details that were provided to them when I created an account with them, I told Nationwide I had an account with them however I still did not give them permission to take money from my card, they've simply told me I would have to take this up with the company now as there's nothing else they can do. I don't have the funds at the moment to be pay the money back they're asking for, I firmly still believe I do not owe this money back. I've checked my Credit Report which also shows the account as closed and satisfied. I did speak to the Visa Disputes Team who told me there's nothing they could do to get the funds back as the account is closed, the member of staff words being "we don't have a leg to stand on". However someone somewhere within the bank is clearly trying to retrieve this money. Where do I stand? Can Nationwide legally chase me for this money?

Hi, I just wanted to see where people feel I stand on this matter as now have threatening letters from Zenith Collections, having previously received them from DRPL (which I see are actually the same company, a nice tactic to scare you that the claim has been escalated, I really can't understand why this kind of approach is still allowed). I allowed my father in law to use a car I owned and he got a parking charge on 20th April 2017. When I received the charge I passed it to him and he said he would sort it out. I did not however notify MET Parking that he was the driver as they say I legally had to do within 28 days. At that time my wife was pregnant and due to complications, we were in hospital at least twice a week, my daughter was born two weeks early after being induced on the 17th May (born eventually on the 19th but not let out of hospital until the 21st due to further complications). My father in law had not been well for the previous month and had seen a rapid decline in the fortnight prior to the induction. On the day of the induction they found lesions on his brain and he passed away on the 9th June having been in a hospice for the final fortnight. Unsurprisingly I did not check if he had actually sorted the parking ticket. Once the dust had settled and funeral taken care over, I started to catch up on all those things that had been set to one side. I spoke to Met and told them the circumstances and as I had received a letter from DRPL, I also spoke to them and sent the email below on the 3rd August: Hi, as discussed on the phone, an appeal has been made to Met Parking about this claim. The driver of the vehicle was Mr xxx xxx (address), my father in law, who worked in the same industrial park and to whom I was letting use the car whilst he waited for his company car. I passed him the original letter from Met Parking when received and he assured me he would resolve. He sadly passed away on the 9th June. Given he had assured me that he would resolve at the time of receipt, I had ignored further contact from both yourself and Met Parking. My wife also gave birth shortly before the death of her father and hence with both combined, this is the first opportunity I have had to start dealing with issues in relation to my father in law. If you need any further information then please let me know. Please can you confirm receipt of this email. I did not receive a response to the email so believed that they understood and would at the most, move the charge to the estate of the deceased. I then received a letter today (26th October) from Zenith with the we are going to start legal proceedings and this may also seriously affect your ability to obtain credit letter. I gave them a call, said that I had emailed which they said they could see but as I did not notify them within 28 days, legally the charge falls on me. I explained the circumstances again and said I am not paying as it is not my parking charge and given the circumstances I would hope a judge would understand why their timeframe was not met. This is causing distress for my wife and mother in law and I just want it resolved but realise I may have to sit it out. Where do people think I stand legally on this? Is the 28 day rule one which in court would mean I am liable or one which mitigating factors can excuse? Many thanks in advance for any comments, James Following on from my call earlier, they have now replied to the original email: Thank you for your email regarding the above Parking Charge Notice (PCN). Can you please send a copy of the death certificate for the driver of the vehicle. Payment Methods Online Payment: Telephone Payment: Ring 0208 234 6775 Bank Transfer: Quote your reference number to Debt Recovery Plus Ltd, Royal Bank Of Scotland, Sort Code 16-00-01, Account Number 20891316 Cheques/Postal Orders: Should be posted to the address below, made payable to Debt Recovery Plus Ltd. Please write your reference number on the back. Kind Regards

I have spent thousands on damp proofing over many years, I let my premise in 2013 and in 2014 had the whole ground floor damp proofed, replastered and decorated, I also had the roof sorted. I have had to request my builder to treat my walls for patches which are caused from one of my neighbours, I have asked him if he plans to tackle it and he says no, affordability, my property is being badly affected as a result, what can I do?

Hello, I am looking for some advice if possible regarding an issue that I have with them about a phone that I have returned to them to get replaced under warranty. On the 27th September, I returned my Google Pixel device back to Google's warehouse, using UPS shipping labels provided to me via their customer support live chat. This shipping method provided me with a tracking number so I could find out when it arrived. Great! The phone was delivered to Google's warehouse in Germany on the 29th September. A few days after I knew it had arrived at the warehouse, I got in touch with Google as I had received no confirmation from them to say that they have received my phone. I questioned this and was assured that my phone has been received at the warehouse and all is good, my replacement device will be shipped to me as soon as it has processed through their systems. A few more days passed with no information from Google still regarding my device, I get in contact again and explain. They tell me that they are unable to find my device that I sent them. This is where I begin to get slightly concerned. I explain to them that the tracking shows delivery (I sent them this in a screenshot). They asked me to provide shipping labels, which I did, but when I sent them to them, I never got a response regarding it. Cut a long story short, every time I've contacted Google I have spoken to a different agent, whether this was through live chat/phone call. I finally thought I was getting somewhere when I spoke to a staff member on the phone who told me that they are going to send me a Pixel XL in replacement for my Pixel device and that I will receive it within 7 working days. Excellent! I'm getting somewhere I thought. A few more days passed from that point, no shipping confirmation, no confirmation of receiving the device, nothing. The only communication has been when I have contacted them via email or live chat. Following this discussion, I received an email from the live chat again who explained that there has been no update on the device's whereabouts and that no new device will be sent until they find it. As you can understand, I was not happy and email back explaining the conversation I had with an agent on the phone. Finally, Wednesday 11th October, two weeks since I sent the device. I spoke to someone on the phone, who was an excellent help. He said that he has now just processed it as if they have received the device and that it is processing through the system now and will hopefully be sent to be soon (not exactly 100% what I wanted to hear, but it's a start). He explained to me that I should email him on Friday 13th October if I have received no communication regarding the replacement as he personally processed the replacement whilst on the phone to me. He also explained to me that he is now the only person that I will talk to for this case. So tomorrow, I will call Ollie the agent again to speak to him regarding the device, because as of this evening, no device has been sent out to me. The most aggravating part for me during this has been speaking to different people every single time I contact, even by email, a different person replies to me. I have tried to escalate the case as much as possible, but am being told that there is nobody else that is able to talk to me. Even when challenged, I got a response from a so-called "supervisor" by email, who I replied to but have never heard anything back from. Along with this, I have found an email address online for their grievance department, but as of yet, nobody has got back to me on that email, except an automated response. What would people suggest in doing? I plan on arrange for a call from the agent I spoke to on Wednesday tomorrow morning, but I am unsure at what I should do if he says that there is nothing else he can do to speed the process up. Despite the fact someone told me it was sent before he did. Any suggestions? Apologies for the long story, but have condensed it down as much as possible. Thanks in advance for any advice given. EDIT: Each time that I have spoken to a person on the phone and they have given me information such as sending me a different device or such. I have got them to email me this, so that I have a copy of this in writing each time that they have said it.

Hi. Sadly my sister passed away last week, she was not too well after her husband had a heart attack 5 months ago. My sister wasn't very well and was receiving £300 DLA per month and £700 Universal Credit per month. I spoke with my mum and stepdad who have said they have been to the funeral directors today and they are asking for £1800. My mum and step dad are both retired and are what you could call low income. They definitely do not have the means to pay such funds. We are in the belief that the social services should be doing more to liaise with the funeral directors to tey get some money paid. Can someone please help and advise what should be happening here? The funeral is set for next Friday 20th October.

If credit card payment is made over the counter at a bank and the payment doesn't get to the card company then who do I complain to and can I claim compensation for having to sort it out ?.

Hi again guys, been having great success so far with these debts (will try to find a link my other post which is about over a year old to give you some context) So the quick back story Lowell owned the debt, bpo was acting on their behalf sent a CCA request bpo passed it back to lowell after not responding, lowell have then ask their legal team (phahaha) lowell solicitors to start court proceeding, rang them for abit of fun informed them that no cca has been sent, they have now supplied me with the request but it is unreadable (will update this post with a picture when I can) Because it is unreadable is it enforceable? It's crazy blurry you have to guess what words say I am also going to start a complaint as they have passed the debt on that was in dispute (no acknowledgement of the debt what so ever) In fact blurry is a bad way to describe it, you can read the larger letters but the smaller print (90% of the page) looks like it been written in a ink cartridge fountain pen on a piece of kitchen roll Edit: I would rather not just ignore it as it is very close to becoming statue barred (a few months) and would rather stall them with some paper work then having to do all of the paper work for a court defence I found this template on another site but I only trust this site for accurate advice what do you guys reckon? Dear Sir, Thank you for the reply to my letter dated XX/XX.XXXX. Having taken the time to look over the documents supplied in response to my statutory request made under the Consumer Credit Act 1974, I have the following concerns The document entitled “credit card agreement regulated by the Consumer Credit Act 1974” which appears to bear my signature fails to comply with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557). In particular section 2 of the Regulations As you will be no doubt aware, the Copy Document Regulations requires that documents are easily legible and clearly the terms of the agreement are not easily legible, infact far from it. Many of the terms are blurred and cannot be interpreted and I am further unable to make out the prescribed terms as required by schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). After taking advice on this matter, I am of the belief that this agreement that you have presented before me, as it stands would be unenforceable even by court order. Therefore, I require that you provide me a clearly legible copy of the agreement, where all the terms are clearly legible Should you not be able to supply a clearly legible copy, I would suggest that you give consideration to cancelling this account and reducing the balance to zero. Of course the alternative would be to seek a declaration of my rights under Section 142(1) of the Consumer Credit Act 1974. am advised that with the documents that you have supplied there would be an extremely good prospect of success with such a declaration, however, I am mindful of additional costs that such action could incur both on my part and on yours so I trust you will give consideration to this request Yours Sincerely

Hi everyone, I am hoping for some advice here. Last November (15th), I bought a Samsung S7 Edge dual SIM (non -EU model, it seems to be a Middle east model) mobile phone from progadgetsuk - registered business store on eBay. This was listed with 1 year warranty and new device and came in promptly , after I made the payment using PayPal. When the package came, everything seemed genuine and the phone worked perfectly 3 days ago it suddenly heated up and would NOT come on again .. neither charges up, nor does the display screen turn on. I remember clearly raising a query on item listing page where the seller had confirmed that any repairs would be handled by him directly with SAMSUNG under the warranty period. I have contacted the seller for the last 3 days continuously with no response. eBAy have no facility to report this item as it has passed their deadline of 30 days for some reason their customer service stated that I should contact the seller directly. Surprisingly eBAy DOES not provide me an option to report the seller or make any comment on the item listing ( from my history) which can affect the seller's credibility rating in any way. Since I paid for this using my paypal account, I opened a dispute resolution case with paypal, but their reply was that they CANNOT do anything about cases which fall beyond the 180 day mark. I have tried contacting SAMSUNG directly as well , they say the following: SAMSUNG UK - This is a non- EU model and hence they WILL NOT repair it. SAMSUNG (GULF/ Middle east) - They are saying that the 1 year warranty has expired ... though I bought the phone from the seller only on 15th November. I have now run out of ideas as to what should be my next step and would be grateful for any advise that consumers like me might have faced. Many thanks for your patient reading.

My mum lives in a flat that has a communal garden (she has access from patio doors as do all the grd floor)' A few years ago she cleared a bit of unkempt ground near to her and erected a shed. She told the freeholder she had done this. They then started making all sorts of demands and requests for monies and said that they would not accept any ground rent until it was sorted out. My mum continued to pay the ground rent (was even sent a DD form by he management company) and is up to date. The shed has been subsequently removed. She is trying to remortgage and needs confirmation that the GR is up to date. The management company say they can't do this due to the dispute over the shed and requested photos to prove its not there. This was done nearly 2 weeks ago and all we hear from the management company is that they are chasing the freeholder. My question - regardless of the freeholder saying they will not accept the GR, the fact that it has always been paid on time, not returned and no communication has been received to say otherwise - Do they have any grounds not to confirm that the GR is up to date.

Hi there, I am being asked by the passport office to provide start and end dates of my first two jobs (I don't have the P45s or payslips from these years, I do have P60s). I contacted the HMRC (SARS team) and was sent a letter with all my jobs listed but no dates to them. After another conversation with them they sent me a second letter with only few leave dates. Now, I used facebook messenger to chat with one of the HMRC people today and asked about this. I was told that HMRC may not hold any records regarding the start and end date of employments if the employer didn't provide them with such. I am trying to figure out how can I get this information (may I add that both employers are not in business anymore) and if HMRC can provide anything else that could show the required dates. I paid NI and Tax from the start and the letter shows that but it doesn't show from when I started or when I finished paying them. Could anyone shed some advise? Thanks in advance, Mad.

Dear All Almost two years ago received a claim from Restons for £2,500 but with no details. Filed defence requesting details of claim and made a CCA request. Cabot didn't come back until a week ago, with copies of some documents, containing terms and conditions, and copy of agreement, stating that they are now entitled to obtain Judgment. Have to see if it is genuine. I have noticed that they have not provided copy of Deed of assignment, I requested. Not sure if important? Also it appears that the authorisation of Cabot Financial has lapsed with the FCA, which is the name they've used on the Claim form. Does this mean that the claim is not valid and they have to reapply? Also, over half of the amount they are claiming consists of bank charges. Not sure if Default or Termination notices are relevant if they have bought any debts. Please help

Hi, Could I ask for some advice on how we should handle the following situation, that has recently cropped up. This problem started we believe way back in 2011, we went to the car phone warehouse to change a telephone that we had on contract with Orange. We were told that since Orange no longer supplied mobile phone services the mobile would be registered with EE the new Orange provider. We changed the telephone over and the assistant at car phone warehouse confirmed with Orange/EE that the old contract was now cancelled. Then some months later Orange sent us a bill for 3 months connection charges for the old telephone, we spoke to Orange a few times by telephone and they finally agreed to sort the account out and remove the charge since we no longer had that telephone. We then moved address, although both me and my partner still had EE phones so EE had full information of all of the addresses we had occupied. Now in 2017 my partner attempted to get a small item on credit and were shocked to find out that she had some sort of issue on her credit file, when we look at her credit record on a free credit database service, we were shocked to see that Orange had somehow and for some reason registered a debt of £125 against my partner causing issues on getting credit. we may need to get a small mortgage soon so we were really concerned about this. we have called EE and they quickly passed us over to Orange (although they are supposed to be the same company we thought) The Orange contact we were given was an email only service. The initial response we got back from them once we had highlighted it was that they could not find anything on their system to do with our account. Also EE had said they could not see anything in their records pertaining to this debt. We emailed Orange a second time and told them to look harder since it appeared that Clear score had something registered against my partner for, a mobile phone issue. after taking her d.o.b etc they looked again and this time they found something but could not be specific about when it occurred? At first they telephoned my partner and said said the issue occurred in 2011, at an address which we did live at in 2011, then when she advised them that we did not owe the money since it was from an old mobile that had been transferred by them to EE, and that the debt should have expired anyway since it was 6 years ago. The person at Orange then emailed her to inform her that the issue occurred in 2014 (he had appeared to change his mind?) but that the address it occurred at was the old address (we did not reside at this address in 2014). they advised us that they could do nothing about the issue and that we would have to speak to EE customer service, we again spoke to EE customer service who again told us they could do nothing since it was with Orange Credit team ?? We emailed the Orange credit team yet again and they said that the debt had been passed to a DCA, and asked us if we had received any letters from said DCA (Arrow Global Limited). We advised EE that we were extremely disappointed and that we want them to escalate it, we have heard nothing yet and now we are considering what actions to take moving forward. We have not communicated with the DCA since we have no contract with them and don't want to put ourselves in any situation that means we are in contract with them. Could anyone give us some advice on how we could/should proceed with this. Any help would be appreciated. Many Thanks, John.

Hi guys, my friends HMO license is due on September the 13th. Issue is this year he has had to spend around £6000 on the house. Making new washroom and having to pay the neighbor for the leak. Also new carpet and linoel etc. He dose not have the FEE for the HMO License. Anyone know what can be done? Get temporary license or delay the payment or pay monthly etc? Please advise. Ali

Would it be possible to clarify if HMRC or the DWP have contacted my bank using this the RIP ACT. If they have, would there be anything I could do to protect my rights legally. I have recently established HMRC appear to be investigating me. I have a complaint in with the HMRC adjudicator currently, it seems as a result of my complaints escalation they have taken this ridiculous attitude towards trying to find dirt on me. I have legal issues with hmrc. any help or advice much appreciated

Schools issue Snapchat Map warning READ MORE HERE: http://www.bbc.co.uk/news/technology-40509281

Hi, I normally offer advice on the tenancy forum, and so am a bit out of my depth here.. A bit of background.. In 2010 my wife and I opened a Joint Business account with HSBC, worked well for a couple of years until the business started to drop off, and so there was no money going in for the last 18 months other than WTC and Housing benefit... final overdraft (official was £600) was £702. I was in correspondence with HSBC and told them that the whole overdraft was due to charges and interest, and that I was suffering. Their response was to tell me that the charges were applied within their guidelines. Next thing in 2015 was a letter from Arrow global which I promptly replied to, telling them that I was in dispute with HSBC and that their implied right of access was denied so don't bother sending a rent a thug round. Nothing heard from them until a Restons fishing letter or 7 at the end of last year. These went promptly into file 13. Then on Jan 29th this year I received a court summons from Northampton in the post. I promptly sent off a CPR31.14 request to Restons (signed for by them on 7th Feb) asking for agreement/contract default notice (I have never received one of these nor the annual ones) assignment formal demand (not received one of these from HSBC either) I didn't sign the letter but printed my name, it had the court hearing claim number on and my address. Monday as I had not heard from them I sent off a completed N244 form, draft order for directions and a witness statement to the court, as these had to be in as I have not yet filed a defense as awaiting the above documents.. this was received by the court yesterday 24th Feb. Today I had a letter from Restons with my CPR 31.14 letter enclosed. the letter was dated 21st Feb, and said: Please find enclosed a draft letter which purports to come from you but is unsigned. you will appreciate that we must ensure we are corresponding with the correct person and that anyone requesting information is entitled to receive it. Please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response. So obviously a delaying tactic, but how do I respond from here?. As far as I know they have not got a copy of my signature and I don't intend to provide them with one.. Any help will be appreciated.

Hi everyone. I hope your all ok �� So last Saturday I rung up HSBC to order some copy statements for Closed Current Account 2004-2015 and Cash ISA 2010-2017... She told me there will be a charge (Didn't tell me what the charge was) and it will take up to 40 days for the statements to arrive but will more likely be 5-7 days and can only order from 2007 I accepted the charge and gave her the account details of an account I wanted charged... On Monday rung again as not been charged yet, another lady said it's free as you don't have HSBC current account and you will get staments in 5 days. On Wednesday I Recived 2 A4 envelopes with a bundle of paper and cover letter. They were online printouts of transactions of all my accounts Curent account 2005-2015 Cash ISA 2011-2017' like they print for you in branch' the envelopes were badly damaged/sealed... So rang the bank/went to branch today Told them what happened and Ordered duplicate statements July 2011-2015 and all of Cash ISA will ring tomz to order rest as can only order 50 statements a day' hopefully they will be like the ones u get in the post and will take up to 5 days So why did I get online printouts like you get in branch instead of duplicate statements which I asked for? Or will I get 2 sets of Dupliacte Statements? Why did the lady say 40 days for statements to be delivered?

I am not sure if this is the right place to post this. Apologies if not. I have a mortgage with Paragon. I recently changed current account from Natwest to Santander. I called paragon and gave them my new bank details. Mortgage payment was due out on the 30th May. The money never left my Sanatander account. Called Paragon the day after payment should have cleared who advised the dd mandate was active and all up and running correctly. They re checked my new account details... all fine. Paragon said it could be delayed due to Monday having been a bank holiday. Told me to call back today if it had still not debited my Santander account. I called Santander to see if they could advise what was happening. They advised Paragon had never set any dd up!! Called paragon today as its still not cleared and they advised it had been paid and they had updated my account with the new balance after payment! I am not sure what steps to take next, as one day they will realise its not actually been clearing and it will cause all kinds of issues. Any advice good people of CAG on what could have happened and how to get it sorted?

In August last year, I signed a 12 month AST Tenancy that was set up through a letting agency but the Landlord has taken over things since that was set up and signed for. In February, I asked the Landlord about extending the Tenancy and also so that should he ever require me to leave the property, I would have sufficient time to find alternative accommodation. On 1st March, he inspected the property and was happy withe everything and we talked about a Tenancy extension. We verbally agreed that the Tenancy would be extended by 6 months as of August 2017 when the existing AST would expire and it would then run until February 2018, and that if he wanted to, he could give me two months notice in December 2017 to leave in February 2018. We agreed we would do this without us signing a new agreement and without going back through the Letting Agency so no fee's would be involved. Also that the rent would stay the same and I wouldn't have to pay anything else or any extra's. So this was all agreed verbally, I wrote down that day what we agreed to cover myself, I also relayed the information to my partner and a friend of mine, the Landlord stated he would send me an email confiriming everything in the near future, he never did. I chased him several times and a few weeks ago, he was acting as if the agreement was never made, he now keeps stating he can give me two months notice next month should he wish to do so, also that anytime from the end of August, he could give me a months notice to leave. Today he sent another email stating and I will quote the most important parts: " When you speak to a solicitor he will tell you that, in the case of housing, verbal agreements aren't valid. This is to protect you. Your AST expires on 23rd Aug. I can give notice on 23rd June for you to leave and so can you. As I have already stated you can stay until 23rd Feb. However, under the Housing Act , your AST automatically reverts to a periodic tenancy . This means that as you pay your rent monthly the tenancy period is monthly- a rolling contract. If you want a 6 month AST, then you can have this but you will have to pay for the AST to be drawn up and pay 6 months rent up front. If you cant pay 6months up front then I will accept a guarantor. I am more than happy to talk to your solicitor, CAB or your housing officer if necessary" So now he's stating that a verba agreement isn't legally binding, he's still acting as if this agreement wasn't made, but notice he does state that I can stay until 23rd February 2018. But now he's stating about signing a new 6 month agreement and paying 6 months upfront or having a guarantor, when the agreement was made, it was made clear that the agreement was to be extended by 6 months and there would be no charges or anything to pay other than the existing rate of rent. For some reason and I have no idea why but he is acting like the agreement wasn't made or is just trying to change the terms to get money out of me but regardless this needs to be resolved as I am a disabled person with several long term chronic health conditions and as I only know a handful of people where I am, I cannot be in a position where I only have a month's notice to leave and that was one of the main reason that I asked him round to sort out a Tenancy extension. I did speak to CAB today who say I have a case and I have an appointment to see them in a couple of weeks time, however, I wanted some opinions on this from some of you if possible in the meantime. Thank you.

Hi I did some work temporary for a company from October - December 2016 Today they have sent a letter saying it has been discovered that I was overpaid on my January pay by £435.70 and they want it repaid as it states in my contract 'if an administrative error has been made on pay, the company reserves the right to recover the overpayment' I asked for a copy of my signed contact showing this. They have sent me what looks like a standard contract template with my name in and wrong start date. I then went back and asked for the actual signed contract with my signature on and dated (which I know they don't have as I never signed a contact) to which they have replied 'We do not hold a signed copy on file for you as we didn't receive one' I asked for payslips too as they were online and I cannot access them as now an ex employee. Payslips show they have underpaid my holidays be 3 days and also missed off 12 hours of overtime... Also if I am to pay this or some of this back where do I stand on tax and ni as I have paid those based on the full payment? Looking for some advice before going back to them Regards Richard