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  1. I opened a new claim for Jobseeker's Allowance last week and I do not have a claimant commitment yet, since they won't give me anything until next week. I was made to come in again this week and they have sent my details forward to a company, who will arrange an interview with me for a job. The job is of absolutely no benefit to me. I am already working part-time on a Saturday, which they know about. The job they have put me forward for is Saturday's only, clashes with my current part-time job, has more hours and pays less. It is also a job with no skill set required and no hopes of career progression. The part-time job I currently have is relevant to my degree and will lead to full time employment this summer. I didn't give them permission to pass my details on. Have they breached the Data Protection Act?
  2. We live in a road, that is made up of privately owned houses and flats and which also contains around 15 social housing flats. These properties were built 5 years ago. This morning, a man from UKPC put up a load of parking notices, with various rules about parking in designated bays, displaying parking permits, time limits on parking in visitor bays and non return to visitor bays within 48 hours ETC. Charges are £100, reduced to £60, if paid within 14 days. None of the residents have been given prior notice that this company was going to be doing this! The road is a private road, operated by a separate entity to the lease holders of the properties, and is only for the 90+ properties in this road. At this point in time, no residents have been issued with any parking permits for their vehicles. It seems to us that this company (UKPC) could, in theory, start issuing penalty/charge tickets to anyone now using this road. Is there any legal right for residents to be informed that this was going to happen, or do the owners of the road have no legal duty to do so, other than putting up these signs? Thanks.JD444
  3. Hi hope you can help About a year ago I discovered that SWALEC had increased the price of electric and gas on my bill without notifying me of this change. When I discovered this I contacted them and the representative said he was going to refund me the amount i had overpaid and put me back on a lower tariff. This didn't happen. In the meantime i've been dealing with a personal tragedy and have only just found the guts to face them again as I have gone from paying £30.00 per month to £105.00 in the last two years. :mad2: I live alone in a small house that has a very efficient heating system (underfloor heating downstairs) two radiators upstairs. I don't have a dryer or a bath (just a shower). I pay more for my little set up than my friend who runs a big four bedroom house, two bathrooms, dishwasher etc! I contacted SWALEC recently and made a complaint, they told me this : " We have investigated your concerns, I understand that you tariff wasn’t changed on 23rd October 2014 because the advisor you spoke to has noted that you were given a projection on prices however were going to consider your options and then call back. Since then we hadn’t had any records that you had called to change your tariff however I understand you had thought on the call on 23/10 that in fact you had changed tariff on this date. When changing a tariff we do have to go through terms and conditions however this was detailed in the note. Douglas has looked at the difference between the tariffs and I can confirm that if you had changed on 23/10/2014 you would have saved £23.90 on the gas and £29.20 on the electric, however we have offered £100 goodwill instead due to the fact your tariff wasn’t changed and you advised you were never informed of any price changes since your account opened. Please advise if you wish for me to add the £100 goodwill payment? Dougie will call you on Monday 14th December 2015 to progress your complaint". I am totally confused And feel completely overwhelmed and victimised by this company According to SWALEC I am in debt to them by so much that the £100 goodwill payment will leave with about £20.00 Is there anything I can do Thank you for your time.
  4. I subscribe to Noddle a free credit score and report checking service. I can see that Robinson Way accessed my credit file in November. It is about a debt I had with egg about 9 years ago although I continued to pay £5 a month until 2011 so not statue barred. I had just managed to get a good score as the previous default occurred so long ago. They have started legal action again which means that a debt taken out in 2004 which defaulted around 2006 will be shown on my credit file for another 6 years if they are successful with the legal case. So all in all 12 years of no credit for me at sensible rates. This cannot be what the government intended with CCA legislation. Also can Robinson Way access my credit file without my consent ?
  5. If you are planning on driving in France, beware - one could be heading straight for you at the next roundabout. Carolyn Brown, who lives part of the year in Brittany, has a cautionary tale about a very small car. Losing one's driving licence in the UK is a serious matter - expensive and, to say the least, very inconvenient. But in France, no licence? No problem. You can simply go shopping for a VSP a voiture sans permis - a small two-seater car that anyone aged 14 or over can take out on the road with as little as four hours' experience behind the wheel, sometimes not even that. It's impossible to say how many there are as no official figures exist. It is what the French call a chiffre noir - an unknown quantity. You'll probably hear them coming first, a high-pitched whine like a sewing machine being run at full throttle. If you get stuck behind one on a windy rural lane, tant pis. Top speed is 45km per hour (28mph). It's probably a good idea to stop in the next lay-by and admire the view for a while rather than sit fuming in its wake. Link
  6. Dear forum users, I hope I can gain some useful advise here as I can't afford proper legal advice. Story goes: I took a train from Llandaff to Cardiff Central (3 stops £3.60) for the local beer festival. Spirits were high and my mind wasn't on the ball. The ticket office was closed at Llandaff so usual run of business is buy on the train or at Cardiff Central. This train the conductor went back into his cabin and so I could not buy a ticket. When I got to Cardiff Central I asked where can we get a ticket bacause there was no ticket office open. Was directed to unpaid fairs desk. This is where I did things wrong big time. I claimed I came from Cathays. 1 stop after Llandaff. 60p cheaper. My normal run to work is Llandaff>Cathays. I claimed ticket office was closed. They called the station, station said they been open all day. During call I realised I wasn't thinking straight and said I came from Llandaff, but still ticket office was closed. I offered to pay the full fair but the officer said it was pointless as I was going to have to pay twice. So I didn't. This was all taken down in a statement and I had to sign it. Letter came few weeks later, I responded giving my story of events, apologised firmly stating that I had every intentiont to buy a ticket but put my hands up for confusing Llandaff and Cathays stop. I also offered to pay the full fair and wished not to waste anymore of their time. I'm a regular user of the service and always pay. I still have a Llandaff>Cathays rtn ticket for that day. I hold my hands up, I've done wrong I've been informed I must respond to the threat of court proceedings within two weeks before it progresses. I've no criminal record and I don't want to get one because of a stupid fib and 60p. Am I being paradoid or is what I did that serious? Any adivse on how to proceed would be much appreciated.
  7. Hi there everyone on CAG. I've read lots of threats on here, which have been full of very useful and invaluable advice, but I couldn't find anything very specific to my query. I'm hoping my thread will help people in the future with the same question. I'll quickly describe my situation. It goes like this: Basically, it's exactly what I've been charged with. I was on the London Underground, I didn't have a valid ticket, I got caught by a ticket inspector as I tried to exit the station who then asked for my details. I am not going to cry and whinge about my financial circumstances and any personal drama that led me to not having a proper ticket because; I deserved the outcome. It's all my fault and I deserved it. I didn't have a ticket, I used the trains unlawfully, I got caught by an inspector, I got sent a Court Summons, I returned it with a Guilty Plea, I got a hefty fine, I paid it all off in one go and the case is now officially closed and I've learnt a lesson to remember. What I would like to know is about is the charge I have been convicted of. I was only charged by TFL/the courts with this charge: 1: Byelaw 17(1) - No person shall enter a compulsory ticket area unless he has with him a valid ticket. On my 'Notice of fine and collection order' it is worded slightly differently, like so: 1/ Enter a compulsory ticket area on the Transport for London regional network without a valid ticket I am quite confused on the implications of this. My general understanding from what I have read is that, on the grand list of fines and charges that Rail Networks can hit you with, this one is quite 'minor'. There is generally no defence against it in court because it's a black and white issue. Either you had the correct ticket for the train stop you were getting off at, or you didn't. I have been told it is a 'Strict Liability Offence'. I have also read that Byelaw 17(1) is a 'non-recordable' offence and Byelaw's don't show up on Criminal records, except on enhanced Criminal Record Background (CRB) check's. My questions, which, again, I hope can also help other people, are as follows: 1: What is a 'non-recordable' offence? Does it show up on Criminal Record Background check's? 2: Again, from what I have read numerous times on different forums/articles I have seen that Byelaw offences 'may' show up on an Enhanced Criminal Record Background check. What decides whether or not it 'may' show up? Does it depend on what type of Byelaw offence it is? 3: Are TFL Byelaws any different to Railway Byelaw's offences? 4: What makes Byelaw offences different from, say, the Regulation of Railway offences? Is there a difference in the level of seriousness of the charges and conviction implications between the two? Finally, 5: Certain countries I want to travel to in the future require a visa and also a Criminal Record Background check (Australia, Canada, USA etc...). For this, I will need to provide a 'Subject Access Report' from the Police which shows all the information held about me on the Police National Computer (PNC). Will my Byelaw17(1) offence be held on the PNC? Thanks for any help and advice!
  8. In simple terms this is 1 of my 3 accounts, its literally used for a couple of direct debits that I want to keep separate. Having second thoughts considering I keep missing them. I had a direct debit come out this morning which I had forgotten about, checked my bank and it had been paid so I thought best transfer enough in so i'd not go overdrawn which I did. And being extremely cynical of banks I take screenshots of everything just incase. Interestingly I just checked back and that same direct debit has now been bounced and if you have a look at my screenshots from lunch time today and this evening you will see that they prized the bounced dd between the dd and the credits. Naturally i'm extremely anoyed about this and you can bet that if i'd not of credited the account they'd of paid it and charged an od fee. I will be charged £25 for this so naturally if I can get around this i'd like to. I should add that there is no charge for being less that £10 overdrawn and they do not charge for being overdrawn if you are bank before 3.30 that working day. Any ideas much appreciated. Screens Lunch : http://i1017.photobucket.com/albums/af299/badgercraig/Dirt/before.jpg Just now: http://i1017.photobucket.com/albums/af299/badgercraig/Dirt/after.jpg
  9. I was involved in an accident two months ago, I was the passenger in my car but was not the driver. The other party admitted full liability and the police are taking action against him. I suffered injuries for which I am still receiving treatment. My car which was only 6 months old would not start at the scene, the insurer arranged for its removal by recovery services and told us since the air bags had been deployed the car was likely a right off. I believed this was to be the case. It is a very long story but at no point did the insurance company contact me in the aftermath other than to offer me money for injuries. I eventually discovered by default that my car had been taken to the third party insurers approved repairers. I withheld consent for them to undertake repairs. My model specific finance company said they were not approved repairers and wanted the car taken to a model specific repair centre, I insisted this happen and was refused.. I have discovered there was a repair limit to my car which the insurers repairer has come in at just under the threshold. I am convinced if my car had gone to the repairer of my choice it would have been written off. At every opportunity I have withheld consent in writing and verbally to both parties. It now appears that on taking my car to the dealer to have the ECU system cleared they have picked up that the seat belts were broken in the accident and need replacing, this is despite the fact that the repairer insisted my car repairs were complete. I dread to think what might have happened. It has now been two months and my car has still not been sorted. The insurer offered an engineers report, however after speaking to the engineer it appears they cannot definitely say whether there has been any structural damage without stripping the car back which they cannot do now that repairs have been done. The work undertaken only carries a 12 month warranty and is not transferable, thereby affecting residual values. To be frank its a mess and is really affecting my recovery. What are my rights? I have no faith in the repairer and do not want my car back. I am convinced that had I been allowed to use the repairer of my choice the car would have been a cat d or c write off. It also now seems the repairer did not have the necessary equipment to properly assess my car, if they had the fault codes for the seat belts would have been apparent.
  10. I'm new here & sorry if I'm posting this in the wrong section. I lost an employment tribunal case and I was ordered to pay £35,000 for an organisation and a union, I'm an individual (employee) and I do not have legal representation. In addition, I do not have the ability to pay as I have been out of job for 1.5 years and I have no assets I wonder what should I do? I know that I can declare myself bankrupt but I want to avoid it if it is possible as it will have significant impact on my career. I have no previous experience or knowledge of what can I do and I would really appreciate your help.
  11. Hello… I wonder if there is anyone who can help with this, please? Years ago my husband who is financially naive, (to say the very least), was sold several pensions, life insurances, annuities, etc., by an IFA. Amongst other things there were two pensions with Sun Life, (why he was sold two policies with the same pension provider is a mystery, but the IFA probably got paid commission for both of them). For several years they were paid in by direct debit under the two different policy numbers, then, when my husband was made redundant and stopped paying in, it would appear that at some point both pensions merged into just one policy. He was not informed of this, or if he was, they may have written to the wrong address as we moved a few times. Both pensions were quite small and under the rule of triviality, he would probably have been able to take the money from each without having to buy an annuity, but by merging the two, it increased the amount of the pension pot to more than £30k. The pension pays about £130 per month. he could really benefit from having the cash as there are no savings and he could pay down the mortgage as it won't be paid off when it ends soon. The IFA is still in business and I tried to contact him to ask about the portfolio he set up, as there may be an endowment which could help as well, but he won't answer my emails… Should my husband contact Sun Life and ask why the pensions were merged and if there is no good reason, would he be entitled to claim what's left in the pot, even though he purchased an annuity? Or will the new pension rules allow him to do that anyway? There was talk last year that people who had bought annuities would be entitled to their money but would have to wait an extra year for it… I've not heard anything since...
  12. What are the consequences of one party referring to without prejudice discussions in court without the consent of the other party?
  13. I sent my horsebox (7.5T lorry) in for an MOT which I expect to cost me a couple of hundred pounds for a 7.5T lorry. When I went to collect the vehicle their invoice system wasn't working and being a regular customer (well once a year) they let me take the vehicle and agreed they would call me to take payment. Which they did a few days later, when I was presented with a figure of just under £1000! I then found out they had carried out 2 big pieces of work without my knowledge. My boyfriend is a mechanic and could have carried out this work for the cost of parts only! I told them this and their answer was "well we have done the work now so you have to pay". I told them I haven't even received an invoice and they would have to send one. They continued to chase me for the amount and I repeated that I still hadn't had an invoice! Finally a couple of months later an invoice arrived. In the meantime my boyfriend had looked at the work carried out. They had cut away trim which protected the engine bay and not replaced it. And they had cross threaded several bolt holes and only put 3 of 6 bolts in, a couple of which weren't in correctly as they were cross threaded. And this was to bolt on the exhaust downpipe. I sent a cheque for about £250 detailing why I was not paying for the labour of fitting those parts but did say I would pay for the parts. I also deducted a few hours labour for what it would cost me to get the bolt holes re-tapped by an independent engineer. The cheque was dated 23rd July 2015 and they didn't return it until 7th October 2015 (I'm sure they should have returned it before this!) They have now issued court proceedings for non-payment but I did offer some payment and they didn't want to accept. Has anyone has any similar issues and how did it get resolved or does anyone have any advice to where I stand legally? Your advice would be appreciated. Thank you Katie
  14. I've got some tenants running some sort of Pregnant Mother assessement centre, basically subletting the property on a residential AST. A lot of pregnant mothers have visited the property. As well as several large families. A confused pregnant mom was seen on the property, & then rushed off to hospital a couple of hours later. I've tried contacting ofsted, & they dont seem to care the tenants dont have the correct permission of the landlord. Can I get an injunction on the tenants or some other legal action, without having to file a section 8? I'm concerned about damage to the property, as well as the safety of the heavily pregnant mothers, as our building insurance doesnt cover business use of the property. Not to mention our mortgage contract.qq I'm also trying to contact the correct authorities, I'm contacting ofsted again, but I have no idea who to contact about the illegal planning permission granted to them. Does anyone know who I should contact about the illegal planning permission granted to them? & if I can get an injunction on the tenants or some other legal action, without having to file a section 8? As theyre subletting illegally, not to mention illegally dealing with vulnerable members of the public. Also because of the large number of families damage to the property. I'm based in London btw ... Thanks!!!
  15. Dear all. My tenant are asking me to repair the rear fence. However, because of the different configuration of the garden behind us, our rear fence is actually the neighbour’s left hand fence. If this is the case, then are we still definitely responsible for this fence? The deeds do not say whose fence it is! Does anybody have any ideas please?
  16. Guest

    WCA without ESA50 ?

    Hi, ..enquiring on behalf of a friend who is in receipt of ESA and recently received a letter to attend another WCA which is coming up soon. The previous ESA50 was sent in late 2013/beginning of 2014, hence at least more than 18 months ago. Under these circumstances - what is the current position regarding whether M. has to send a new ESA50 form before calling for a WCA? There are different statements from M. dating back to April/May this year implying that everyone would receive a new ESA50 before they are called for a WCA. Are there any regulations, guidelines, statutory acts that require that a new ESA50 is sent before calling for a WCA? A quick response (Margaret?? ) would be much appreciated due to the urgency of the upcoming WCA. Many thanks
  17. Hello everybody I recently got into debt bother with EON . I spoke to them about my options with regards to my debt (installments, pre-payment etc). I indicated that I would prefer prepayment to manage my debts but then took my time getting back to them . Next I received a letter telling me that they were applying to the courts and had added £60.00. The court date was supposed to be 12th of November and I awaited this date so I could contest the fee (I had already told them that I wanted prepayment), they wrote to me shortly before telling me that the court hearing had been cancelled and they would write to me at a later date. Yesterday (12th) I got home to find some documents and a electricity key INSIDE MY HOUSE !!. The accompanying paperwork said that they had acted on a warrant (no issue date, number etc) and had changed my electricity meter. In my actual mail on that day I got a letter from them telling me that they had reapplied for a court date - which was supposed to be the 16th November !!!. So clearly they illegally entered my house without a warrant and changed the meter. Luckily, nothing valuable was stolen from me by these rapscallions . I have not yet contacted them, instead I would prefer the advice of somebody who has experience in these matters to see exactly where I stand before I act. What are my options, so to speak ?
  18. My daughter has received a pre-court action letter from First Great Western. It states that she is in breach of the Regulations of Railways Act 1889 and requires a payment of £84.70 within 21 days. £80 of this is a charge towards costs incurred. I am rather upset at this as she did try to pay at the station she departed from and was unable to as no staff were manning the ticket office - they had put up a sign - and no one came through the train during her journey to enable her to buy a ticket. Also just to confirm – she waited in the queue with 4 others until the train arrived into the station, and then there was a run for the platform. When my daughter arrived at her destination station – she was stopped and did not have a ticket. My daughter explained she did not have a ticket and the reason. She was not given an option to purchase a ticket, but instead the ‘Inspector’ took her name and address and this letter entitled Pre-Court Action is this next communication we have received. I am happy to pay the fare, and do not understand why this option was not offered to her when she explained about the unmanned station which has no ticket machine. I do have an issue with paying £80 for a template letter. I have a photo of the sign that was displayed at St. Erth station (where she got on), and records should show that a conductor had not gone through the train in the 3 stops she was on the train Do I have any hope of fighting the admin charge – I feel it is not representative of the time/effort of sending a template letter? Thanks in advance.
  19. Please if you could help me in getting my money from funkyclock [problem]: 28 Oct VIS FR FUNKYCLOC.CO LONDON 75.97 28 Sep VIS FR FUNKYCLOC.CO LONDON 76.06 after 3 day trial period which they took which is not mentioned clearly. I want my money back. Please let me know how to go about getting my money 152.03 GBP back.
  20. Hi guys, Was/Am on ESA income related, Support Group AND DLA Middle care component. Recieved a letter today from my council advising me that my housing benefit was suspended coz of my ESA claim had been terminated. I started full time college in Aug; and took out a student loan. I was advised by the student loan company that they had informed the DWP that there was a change in my circumstances. I noticed a couple of weeks ago I was being overpaid ESA. I contacted them, informed them again that I was at college, full time and had taken a student loan out. I went to my local jobcentre and provided relevant details, including my fees; my loan payment schedule etc. I have heard nothing from the DWP, I have not been advised of a fraud investigation, asked to attend a medical. So what the hell is going on? Surely if they have terminated my ESA on the basis Im fit for work.....then my DLA would be terminated as well? I have not an assessment, a medical or any other contact with the ESA; nor have I had any correspondance from them, no phone calls, emails, letters or texts.
  21. Hi all, I wonder if anyone can help. Today I have found out that my ex who we split 4 years ago but still have a joint mortgage on the old property we shared has increased the mortgage to include the arrears he is in. I do not contribute to the house in return he doesn't pay anything for the children. I am livid, is it my understanding that this is some type of fraud because he would have to sign to increase the loan amount. I am anxious as I want to get my name off the house but he keeps telling me that in 12 months it will be fine. I really fear that my credit rating will be effected by this in the future. My understanding is we are both jointly responsible for the debt. Any legal advice would be appreciated Yours Marie
  22. Myself and three other students currently occupy a privately rented property in Southwark, London. The flat is pretty run down and we seem to have been stuck with a landlord who doesn't want to shell out any money despite the fact that we are paying £145 a week each! As soon as we moved in we noticed the washing machine door was bent and didn't catch properly, so we immediately informed the lettings agency who informed the landlord on or behalf that it was damaged, however he declined to have it looked at or repaired. After one initial breakdown that I managed to repair it packed up for good 02/10/15, so I immediately got onto the lettings agency again who informed the landlord that day that the washing machine had totally broken and there was nothing we could do about it. A couple of days later, instead of taking our word for it he sent a repairman round who took one look at it and said it was beyond repair and would have to be replaced, which was communicated to the lettings agency that day. After several more days we had heard nothing more on the situation and with mounting piles of washing I again contacted the lettings agency who said that the landlord was ordering the white goods (the engineer also recommended replacing the freezer) that evening - 12/10/15. After hearing no word from the company for three or four days I emailed them again, to which they replied that they would chase up the landlord. Now finally after weeks of pestering the landlord has finally ordered the goods to be delivered this Sunday (25/10/15). We have gone over three weeks without a washing machine simply because the landlord was too lazy to sort out a replacement despite being given several reminders, and we have had to pick up the cost of that. The house was furnished with white goods as part of our tenancy agreement and it is the landlord's responsibility for their maintenance, would we be entitled to ask for compensation? As essentially the landlord has failed to provide a service that we have been paying a huge amount of money for. All help would be appreciated, Cheers!
  23. I am appealing for advice in this case in which Barclays has failed over a 2 year period to put right errors on my mortgage account and now refuses to abide by the binding settlement terms. To confuse matters, the Ombudsman provided misleading information which led to me agreeing the terms and the complaint being closed while the issues are unresolved. Ombudsman has now washed its hands of the case and told me I need to sue Barclays. The Financial Services and Markets Act 2000 (FSMA 2000) makes an Ombudsman’s decision legally enforceable in court, but I can find no solicitor to take on my case on a no-win-no-fee basis and I am not in a position to incur legal fees. It is an obvious winner with loads of political mileage for any law firm. I assume I need to sue once for the statement which they were supposed to provide under the settlement terms and then again later for my losses- which I can only work out once I see the statement. The complaint relates to Barclays’ failure to credit my account with several thousand pounds of overpayments, even claiming the balance had INCREASED after said overpayments. This was my 3rd consecutive complaint regarding Barclays’ mismanagement of the same account. Under the settlement terms finalised 2 June 15 by the Financial Services Ombudsman, Barclays was to provide “a full breakdown of my (mortgage) account from June 13, showing when each overpayment was applied and a clear and accurate explanation for any amendments made to the account”. Barclays has failed to provide the above documentation, but not before lying to the Ombudsman claiming it had! A misleading letter from the Ombudsman claimed the account was now in order (Dec 14) and I thus agreed the settlement terms, which included a nominal payment (which the bank has made). However, the documentation that Barclays was to provide is obviously central to the complaint, particularly since I now have documentary evidence proving the anomalies on the account have NOT been corrected by Barclays. This may be why the bank now refuses to provide the documentation. This documentation was only made available to me by the Ombudsman AFTER I had agreed the settlement terms, believing the account to be correct, and AFTER Barclays had failed to comply. The Ombudsman provided me with documentation the bank provided to it during the course of the investigation, including a calculation (not a statement) which states “this calculation has been provided to assist with the resolution of the complaint”. This documentation does not tally with an independent audit of the account I was obliged to fund. The document makes it clear NO remedial action has been taken, ie it contains a heading “steps required to rectify the account” as opposed to “steps taken to rectify the account”. Nevertheless the Ombudsman told me in writing the account had been corrected! The document is virtually impossible for a layperson to understand and abruptly ends March 14, giving no clues to the current balance and states “the balances shown on this calculator do not represent the actual balance on the account”, so the information is of little use, hence the instruction from the Ombudsman that Barclays provide me with “a full breakdown of the account from June 13, showing when each overpayment was applied and a clear and accurate explanation for any amendments made to the account”. So I have no idea how much interest I have been and continue to be overcharged by the bank on the incorrect balance I was a diligent overpayer until Barclays mismanaged the account. Based on my previous pattern of overpayments, I have been prevented from overpaying at least 10k to date. I have written to John McFarlane CEO asking him to ensure his staff provide the documentation as per the binding settlement terms, to clearly show how much interest I have been overcharged, what steps have been taken to correct the account, and what the correct current balance is, however, it is highly unlikely I will receive a response based on the bank’s attitude thus far. The FCA said they could not assist. I wrote my MP who says he has written to them but won’t show me a copy of the letter. I made a formal complaint about the Ombudsman, but that won’t rectify the account issues. I contacted BBC watchdog and various consumer columns and got no reply. I guess no one dares take on the establishment. I have posted on Barclays FB page and would now like to post the above letter online as widely as possible – any ideas as to where and how would be appreciated. Also any advice on where to find a law firm to represent me on a no win no fee basis would be appreciated.
  24. I'm new here and I'm sorry if I'm placing my question in the wrong section. I lost a civil court case and I was ordered to pay the the defendants' legal costs which are about £90,000. I appealed the case and the appeal was supposed to be heard in a month time. Recently I sent "without prejudice" letter to withdraw the appeal in an exchange of waving the cost order (£90,000) against me so basically settle the case and each party pay its own expenses. The good news is that they accepted the offer. My question is .. how should I proceed after that? .. I do not have a legal representation .. should I sent to the county court informing them about what happened or should we write and sign a contract between the parties ? I would really appreciate your help.
  25. I'm wondering if you could possibly offer me any advice, like you have kindly given to many before me. The Task Enforcement came this morning at 7am to tell me that my car had been clamped, and that I could un-clamp it by paying a fee of £535 It all started on 22.07.2015 when I was contacted by my old landlady. She told me I was being chased by Bailiff's for unpaid Congestion Charge Penalty Notice. I realized that DVLA must still have my old address, so I immediately sent off my driving license, and also called the Congestion people. They said that I now owed about £270 from entering the congestion area on 26.02.2015! But was too late to pay them. They kindly advised me this happens all the time and not to worry. There was another procedure. They put me in touch with the TEC. It was all very friendly. Having looked in my diary, 26.02.2015 I was on a job on Curtain road and retracing my steps on Googlemaps, I had turned around just inside the congestion zone without realizing at the time The TEC then sent me the PE3 & PE2 Statutory Declaration application forms, which I completed and had signed by a local solicitor (£10 charge) The TEC then sent me a letter on 04.08.15 to say that my APPLICATION WAS REFUSED without a hearing. There were options to apply for a review but they both had extra costs. I presumed I would have to bite the bullet and pay the full amount, and have been waiting for a final bill. Then the first correspondense from the Bailifs came this morning with a clamp. Aparently they are called Task Enforcement and I had to pay them £535 so that I could take my kids to school and drive to work I must add that the bailiffs were actually nice guys, and it saddened them that there was nothing they could do. They said they would wait in the van for five minutes whilst I had a think Is there any way of getting some of the money back now that I have paid it in full? Breakdown of payment below debt £202 Compliance stage fee £75 Enforcement stage fee £235 Thanks and best wishes Joe
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