Has anyone else encountered this? Wonga take their repayment in several smaller amounts on one day. Add them up to find they have taken an extra penny ?

I have just been informed that the first of three statutory instruments....The Taking of Control of Goods Regulations 2013......which will underpin the Government's package of reforms to bailiff law will be laid in Parliament today. I will post a link later and I will also post further information that I received today. PS: The Taking Control of Goods Regulations will be implemented in April 2014.

My social worker sent my ESA50 form of 6 weeks ago and I haven't heard anything back from the yet, I'm being transferred from IB to ESA and was wondering how long this normally takes, I was on a section 3 under the mental health act while he filled the forms in and am currently on a CTO, would this have any diffidence on my its taking so long?

Hi in a mess I bought a car off Advantage Finance in 2009 costing 5k I did not get PPI but with interest needed to pay back in total about 9k. I paid regularly for a long time then due to job loss had to reduce payments. Got another job with less money and made an arrangement to pay £100 per month and did so for a while. I have paid in the region of 6500 but the noticed how much I was being charged , after a few phone calls they said they would remove charges but never did, to cut a long story short I requested a SAR sending the necessary £10 by recorded delivery 2months ago but have heard nothing but I have received a summons to a magistrates court were they have asked that our car be returned. I want to dispute these charges that they call late payment charges, have I the right to ? There is a lot more details I can give but hope you can get the general picture

I have jut returned back to BT for my phone and broadband Service active 28/06/2013 Bill generation date 29/06/2013 Taking direct debit 9/07/2013 Just confirming, do people who you set up a direct debit payment with have to give either 10 day or 14 days notice as to when they are taking payment from your bank account Not complaining Just confirming

TAKING YOUR PET ABROAD GUIDE Documents Source: https://www.gov.uk/take-pet-abroad PART 1 - OVERVIEW When travelling with your pet dog, cat or ferret, the rules you must follow depend on the country you’re going to or coming from. Travelling within the EU (or into the EU from another ‘listed’ country) When travelling to or returning to the UK from another EU or non-EU listed country your pet needs: Ø a microchip Ø a rabies vaccination (make sure your pet is microchipped first or the vaccination won’t count) Ø apet passport or official third country veterinary certificate Ø tapeworm treatment (for dogs only) You must also use an authorised carrier and an approved route. You must wait 21 days from the date of the rabies vaccination before travelling. Travelling into the EU from an unlisted country An‘unlisted’ country is any country not included in the list of EU and non-EU countries. When travelling to or returning to the UK from an unlisted country, your pet needs: Ø a microchip Ø a rabies vaccination (make sure your pet is microchipped first or the vaccination won’t count) Ø a blood test - the vet must take the blood sample at least 30 days after the rabies vaccination (the date of vaccination counts as day 0, not day 1) Ø an official third country veterinary certificate Ø tapeworm treatment (for dogs only) You must also use an authorised carrier and an approved route. You must wait 3 calendar months from the date the blood sample was taken before travelling. The vet must give you a copy of the test results. These must show that the vaccination was successful. You don’t have to wait 3 months if your pet was vaccinated, blood tested and given a pet passport in the EU before travelling to an unlisted country. Guide dogs and other assistance dogs Assistance dogs are allowed to travel in the aircraft cabin with their owner on approved route sand carriers registered to carry assistance dogs. They can normally also travel in areas of other forms of transport where other animals aren’t allowed. They can travel on more routes than people with pets. Apart from that, the rules for assistance dogs travelling under the EU pet travel scheme are the same as for other dogs. The Guide Dogs Association website has advice about takingassistance dogs abroad. When you return to the UK Staff from the travel company will scan your pet’s microchip and check your documents. If you don’t have the correct documents or your pet hasn’t been properly prepared it will be put into quarantine or sent back to the country it travelled from. You must pay the costs for this. Other types of pet There are no restrictions on bringing pet rodents, rabbits, birds, ornamental fish,invertebrates, amphibians and reptiles to the UK from other EU countries. Pet rabbits and rodents from other countries must spend 4 months in quarantine. They need a rabies import licence and must enter the UK at a Border Inspection Post. Contact the Animal Health andVeterinary Laboratories Agency (AHVLA) for more information on the rules for travelling with these or other species of pet. PART 2 - MICROCHIP Your pet must be microchipped before it’s vaccinated against rabies. Make sure the vet records the number of the microchip on the pet passport or official third country veterinary certificate. Transport companies in the EU can read microchips that meet International Organization for Standardization (ISO) standards when you check in for your journey. You must bring your own microchip reader when you travel if your pet’s microchip doesn’t meet ISO standards. Tattoo You don’t need to have your pet microchipped if it’s been tattooed with an identification number and all of the following are true: Ø your pet was tattooed before 3 July2011 Ø the tattoo is clearly legible Ø your pet was vaccinated against rabies after it was tattooed Your vet must record the date of tattooing, the tattoo number and the date of the rabies vaccination in the pet passport or official third country veterinary certificate. PART 3 - RABIES VACCINATION AND BOOSTERS You must get your dog, cat or ferret vaccinated against rabies before it can travel to another EU country or back into the UK. Get your pet microchipped before the rabies vaccination or they will need to be vaccinated again. EU and listed countries You must wait 21 days after the vaccination before your pet can travel to or return to the UK from another EU or non-EU listed country. After the first vaccination and waiting period, you can enter the UK whenever you like as long as booster vaccinations are given on time and you continue to meet the other entry requirements. Unlisted countries Your pet must have a blood test 30 days after the rabies vaccination.The date of the vaccination counts as day 0, not day 1. You must wait 3 calendar months from the date the blood sample was taken before travelling. The vet must give you a copy of the test results. These must show that the vaccination was successful. You don’t have to wait 3 months if your pet was vaccinated, blood tested and given a pet passport in the EU before travelling to an unlisted country. Part 4 - PET PASSPORT AND OTHER DOCUMENTS Your dog,cat or ferret must have a pet passport or third country official veterinary certificate to enter (or re-enter) the UK. Ask your vet for a pet passport. The passport stays valid as long as you continue to meet the entry requirements Third country official veterinary certificate Outside ofthe EU authorised vets issue official veterinary certificates instead of pet passports. This certificate allows your pet to enter the UK (or another country in the EU).You’ll need other supporting documents too. Check your certificate for full details. You must arrive in an EU country within 10 days of the date the certificate was issued. You can then use it for up to 4 months for travel within the EU. Other documents Your transport company may need a statement from your vet confirming that your pet is fit to travel. Check with the country you’re travelling to for information about any extra documents you’ll need to enter with your pet. Travel with more than 5 pets You must get a health certificate for each group of more than 5 pets you want to travel with. You get this from the country you’re coming from. You must do this at least 10 days before you want to travel. You need this certificate in addition to the other rules for pet travel for the countries you’re travelling to and from. This rule is for travelling with your own pets. There are different rules if the animals arebeing sold or re-homed. Part 5 - TAPEWORM TREATMENT (DOGS ONLY) Your vet must treat your dog for tapeworm and record it in the pet passport or third country official veterinary certificate every time you want to enter the UK. The treatment must be given between 1 and 5 days (24 to 120 hours) before you're cheduled to arrive in the UK. Your vet must record the following details in your dog’s pet passport or certificate: Ø the name and manufacturer of the product used to treat your dog Ø the date and time they treated your dog Ø their stamp and signature The treatment must have praziquantel or equivalent as its active ingredient. You don’t need to treat your dog for tapeworm if you’re coming directly to the UK from Finland, Ireland, Malta or Norway. Part 6 - QUARANTINE You must put your pet into quarantine when it arrives in the UK if doesn’t meet the entryrequirements. You must pay the costs for this. You’ll need to book quarantine premises. The quarantine premises will normally deal with all documentation on your behalf. They should: Ø submit an application form for an import licence Ø arrange to collect your pet when they land Ø organise clearance through customs Ø arrange transport for your pet to the quarantine premises Check when making the reservation. If they don’t do these things, you’ll need to do them yourself. Read detailedguidance on quarantine or contact the pet travel scheme helpline for advice. Release from quarantine Your pet will become eligible for release when it meets the entry requirements . The veterinary superintendent or quarantine kennel owner will tell you when your pet will be released from quarantine. Part 7 - CONTACT THE PET TRAVEL SCHEME HELPLINE For more information, contact the Pet Travel Scheme helpline. Pet Travel Scheme helpline pettravel@ahvla.gsi.gov.uk 0870 2411710 Monday to Friday, 8am to 6pm (closed on bank holidays) This is the Taking your Pet Abroad Guide in PDF:

Hi , I am just about to drop this letter off in my local branch. Anyone have any advice before I do. I really am at my wits end as we have been in a debt management plan for the last six years. Only now are we debt free thanks to the mis selling of PPI but the RBS still seem to want more blood. Its the principal of the thing now!! The Manager Royal Bank of Scotland Xxxxxxxx xxxxxxxx 13 May 2013 Account Numbers - xxxxxxx, xxxxxxx, xxxxxxx Dear Sir/Madam, I am writing a letter of complaint over the way in which we have been treated over the years as a Royal Bank of Scotland Customer. We fully intend sending this complaint to the Financial Ombudsman Service depending on your reply. The “last straw” was a letter which we received on the 10th of may 2013. xxxxxxx xx. We paid off our account in full, including solicitors on 27 Nov 2012. Yet we have received a letter saying that the bank is pursuing us for 2 lots of solicitor’s fees after this date. We also have in our possession a letter from the solicitors instructing our file be closed dated 21st Nov 2012. The amount is for a paltry £53.16. Considering the thousands of pounds unfair charges, interest and Payment Protection which I have paid over the years it felt like one final kick in the Teeth from the illustrious (bailed out) Royal Bank of Scotland. I shall note a few of my complaints in no specific order but please review complaint as a whole as the problem seems to be endemic to the RBS. 1. Recieved Letter of Default the first time for account xxxxxxx on the 19th April 2007 (copy available if required) Recieved copy of notice to Default first time for account xxxxxxxx on the 19 April 2007 (copy available if required) These Defaults are still shown on my Credit File and are still having a detrimental effect on my credit score. Could you please remove at earliest opportunity as these are now expired as more than six years from date of default? Why have I continually received default notices for same accounts up to 2011 (copy available if required) Defaults may only be issued once on one account. 2. Prior to our going into serious Debt my wife and I were punished with an astonishing amount of Unfair Bank Charges. Alongside the seemingly perpetual Miss sold payment Protection (which we have now had refunded) Each Time we contacted the RBS because we were struggling a personal finance manager would convince us that a refinance loan was the answer to all our problems. “We were not aware at the time that a commission was paid to these employees on a target basis. Can you confirm this please? Due to the nature of my job up to 50% of my income was overtime which my wife and I always went to lengths to explain to your employee. At the time the person selling the loans always suggested that we put the larger amount on our applications. With hindsight I always felt rather uncomfortable with this but considering our worsening financial position was in no position to resist as your finance manager obviously knew best. I now realise that due to the banks policies of meeting targets I was the victim of irresponsible lending by your establishment. Unfair Bank Charges from January 2007 – May 2008 = £2732.00 (17 Month Period) I would also like to point out that previous to this period the charges are not much better. My wife and I really were quite a good source of income for the RBS while it lasted. 3. It was January 2007 that I finally faced the truth about my financial affairs as I simply could not handle the unfair charges any longer. I went to a Debt management Company by the name of Payplan. “This is a Company which the RBS endorses on all your Debt Advice Literature even to this Day.” We tried to be as cooperative as possible at this time as we always intended and now have, to pay all our creditors. The RBS seemed to go out of its way to be as threatening as possible. We followed Payplans instructions religiously and contacted all our creditors, except the RBS as instructed by Paylan who are “endorsed by the RBS. We paid as much as possible to our creditors after completing a an income and expenditure sheet but the RBS continued to add unfair charges, interest and then solicitors fees after taking us to court a year later. (We had not missed a payment through Payplan). All through the difficult times my wife and I never missed one mortgage payment. 4. Recieved a letter from RBS on 19 April 2007 which seemed typical at the time but scared my wife and I witless. It was a demand for immediate payment of £853083.80. If we were lucky our house was only worth £100000!! This scale of incompetence as it seems now was what constituted to our situation in the first place!! (A copy is available if required) 5. Although we never missed a payment on our mortgage we reached a stage where I was not working full time due to the weather and requested a payment holiday on my mortgage. As this was a repayment mortgage this was an agreed option when we took the mortgage. This was only for a month to help out but was refused on the ground of our other accounts. Another incidence of not interested in helping. “We stll managed to keep up payments but my family suffered.” I really did not intend making any complaints to the RBS after the PPI scandal but as I have said the pathetic attempt to elicit another paltry amount from my family really does make me angry. The misery that your rotten institution has caused my family over the years does not bear thinking about. We do realise that we must take some of the blame but your bank as far as we are concerned should accept responsibility where due for its irresponsible lending. I would like all my charges and interest paid for charges returned, to put me in a position to which I would be if I had not paid them. I Have all paperwork and statements to prove any claims which I have made. I await your response and I shall be contacting the Ombudsman if not satisfied. Xxxxxxxx xxxxxxxxx Thanks for your help

I am employed by a contract caterer as a chef/supervisor. 2.5 years in post. Since a change of chemical supplier I have developed a form of contact dermatitis, which means the slightest exposure to foodstuffs without gloves means a lot of discomfort and pain. EG if I peeled and chopped 1 onion,within an hour may hands feel like I’ve poured boiling water over them. This develops into a very irritating rash lasting for days and has to be controlled by topical steroid cream. As a result of a grievance my employer has admitted that they failed to provide PPE. Training on new chemicals, has my signature forged on a day when I was on leave. I was forced under doctor’s instruction to be off for 3weeks to allow my hands to heal before I could begin to use gloves to control my condition. I received SSP –£86.70 for 3 weeks. I earn 7.30 per hour and I work 37.5 hours Financial loss is £561 I calculated this as follows: 37.5 hours x £7.30 =£821.25 earnings Minus £86.70 SSP x 3 My question is: can take my employer to the small claims court to recover my loss ? My union are encouraging me to submit a pesonal injury claim, but say it could take years to be settled. Because of my low income I cannot afford to wait years. Thanks in advance for any advice. Additional info. I have formally asked my employer to py full pay - they have refused.

Hello there This appears to be a unique one, in the respect that there does not seem to be any legal cases similar which have gone through. Myself and my girlfriend rented a flat on an AST from April 2011. Our deposit was not protected. We moved out in December 2012, giving 2 months notice (it was a 12 month contract which rolled into a monthly one). We were to embark on a once in a lifetime trip away as we had both lost our jobs. It took over 6 weeks to get our deposit back in full, a time in which we thought we would have our deposit back. Subsequently we had to borrow money from friends and family and were emailing daily asking for an update. Now, we have suggested to our old landlord that we would be taking action, based on the deposit not being protected or the prescribed information given, and the subsequent suffering caused by not having our money back within 10 days. To a cynic it may appear that we are being greedy in seeking a penalty, however we are completely genuine that our trip was ruined in part, and this was due to the law not being stuck to by the landlord. Anyway, the landlord has responded angrily to my email saying we are giving them 30 days to respond to a proposed small claim. His latest email states: "We have no desire to enter in to litigation with you and xxxx however I would highlight to you both that the fact we returned your deposit in full does not mean that we did not consider there to be breaches of your tenancy agreement on your side. There were a number items missing from the flat including the remote control for the gate. There was furniture missing which substituted without our consent. I had to assemble the sofa you left downstairs and get this up to the first floor which actually resulted in me injuring my back and being off work for a significant period. We did not charge anything for cleaning or redecorating which we were entitled to under the terms of your tenancy." [there was nothing missing, or any inventory at the start or end of the tenancy] "As I have said above we made no complaint about any of this as we believed you to be kind and decent people. If however you do proceed with any claim we will be issuing a counterclaim against you for all losses we have incurred together with costs and interest. We will also be seeking an order for costs on an indemnity basis for all costs incurred in defending any claim against you relating to a deposit that you have been repaid in full. we shall be instructing a litigator at a charge out rate of £300 per hour plus vat which we shall be seeking to recover from you in full for the costs of defending a wholly unnecessary and unjustified claim again with costs and interest." I replied with the fact that this would be a small claim and as such no legal costs would be expected to be met by either party, and also that since there was never an inventory carried out and that its been 3 months since we left, we could not be held responsible for any item broken or missing. He said "You are not correct regarding costs and as I have stated previously you should be very careful about relying on blanket misrepresentations of the law made by non lawyers particularly as this is a gamble that could end up costing you both more than you are trying to claim, notwithstanding having county court judgments made against you. I estimate the costs that would be incurred in defending such a claim would easily exceed £10,000. I reiterate that we shall rely on these emails and your previous correspondence on this issue. You are entirely wrong that you cannot be held liable for missing items 3 months after you have moved out. The court would require evidence of the condition of the property and of missing items which we can very readily provide." So.... My question is...does anyone have any knowledge or awareness of similar cases where the tenant has left and the deposit has not been protected? And also, general opinion on his responses...is he using scare tactics? He refuses to give a postal address for correspondence.. Appreciate this is quite a lengthy post, so thank you for taking the time to read it, and hopefully to respond. Thanks, D

Hi all new to this so hope someone can help. My son originally went overdrawn about 4 years ago by £1 the bank slapped charges on his account which sent him overdrawn again so they added more charges this went on for years, the only money he had going in to the account was his JSA some months they where taking up to £70 leaving him with just £30 pounds to live on for the next 2 weeks they knew it was benefits as it went straight in to his account from DWP which I have recently found out through this site that they where not legally allowed to do, the question is can he claim the charges back and how to go about doing this by the way he has opened a new account with the PO to put a stop to nat west. thanks

Hello, I am a 25 year old male from England. Having just received my latest letter from the DVLA I can honestly say I am furious to say the least. :-x Anyway... I am a provisional license holder who has been taking driving lessons for the best part of 2 years. I have lost count of the amount of lessons that I have had already and that is probably a good thing lol. To help me through this I have decided to go out and buy a car to get some extra practice due to the rising cost of driving lessons etc. I was all ready to get a car until I went to the opticians for a routine eye examination. My problems started on 14/1/2013 when I went to Specsavers. When looking in my drawer a month previous I came across an old letter from my last hospital check up which said "examination of the Fundi was difficult on the right disc due to Nystagmus but the left disc looked fine." - It also said that I have "good occular eye movements". I thought nothing of the letter until i went to Specsavers then I suddenly asked what is a Nystagmus? she explained what it was and I (probably stupidly) told her about the letter. Her reply was that I needed to declare this to the DVLA as it is classed by them as a Notifiable condition - which meant that I could be fined and my insurance void if I didn't. Thinking this was going to be just a quick - Yeah your fine sort of job I printed off a V1 form and sent it in the post. I received a reply on 26/1/2013 saying they have written to my doctor for more information. This was disappointing to say the least as I am still waiting to get my little car to finish my learning. I immediately made an appointment with my doctor to hopefully speed things up. While I was at the doctors surgery she said a letter from DVLA has come through and that it will be replied to now (presumably by other staff at the NHS). On 16/2/2013 (exactly three weeks later) I telephoned the DVLA to find out what was happening. Someone on the phone said that the DVLA have received my doctors letter and that they will send me a letter soon. Today being 25/2/2013 I received a reply from the DVLA!! This time it says that "we have now received medical information which has now been passed to the medical advisor for further advice. This could take up to 8 weeks" The thing is I don't want to wait another 2 months. If I did it would defeat the whole object and slow my driving down. Judging by what has been said online about the DVLA I don't expect it will be 8 weeks, I expect 2 months just for them to say I need another appointment, then a further few weeks to make it and more time after just to make the decision about my fitness to drive - Even though I meet the legal requirements after all. Is there anything I can do to speed this stupid process up? Can I still take my practical driving test while waiting for the DVLA to make their decision? (I am obviously a provisional license holder) Additional notes: I have worn eyeglasses for a while now to correct short shortsightedness and have no other eye problems or serious illnesses. I can read a number plate from 20 - 25 meters away without a problem. My friend has congenital Nystagmus and cannot see his computer screen without being really close up. I am not like that and was unaware I even had this silly Nystagmus thing! lol. If you have probably sensed my frustration in this post I apologize as the last letter has only just come about an hour ago. - Thankyou in advance for your replies!

...in february. We filled out his form a couple of months ago. What is the procedure please? He has kinda accepted that he will be put on JSA. But what is the timescale of things happening. And what happens IF & WHEN he finds a job & they sack him because he isn't mentally capable of holding down a job at the moment? Will he find himself with no benefits or can he go back on JSA straight away?

Good Morning all, Can someone please help me? I can not find the section that gives help and advice etc on how to take on your creditors from an IVA. Can someone please post the link to that section -thanks in advance Regards Geoff

Has anybody turned the situation around and visited the DCA's at their offices?

Hi, Does anyone know if there is a cap on what a utility company can take from JSA? EDF are taking £3.55 per week for arrears from my JSA at source plus $9.50 for current usage. So out of £71 per week JSA, EDF are taking £13.05. Thanks in advance. Terry

Hi. Hope to make this post as succinct as possible. Thank you for reading and helping. 1.My Union's solicitors wrote to me saying they were taking my case (RSI back-strain from work), but according to the same letter, I am outside the statute for an action as I (not my GP) realised my pain was work-related in 2006 and they say it has to fall within 3 years. Solicitors knew this was the situation - they have my letter of grievance to my HR from 2007, so I don't know why they bothered to say they'd take on the case. 2. My workplace HR did make some noises about making an 'amicable parting of the ways' if first my GP report then their Occupational Health report, concluded it wasn't likely I'd be able to return to work soon enough (been off since Feb). I sent them my GP report last week and I have left numerous emails and phone messages to the HR person but got not a word in reply. She has never done this before. Whassup, d'you think? 3. If I'm too late for legal recourse, could I/my Union negotiate a leaving package anyway, d'you think? Or will they smell that I'm screwed legally if I try? I have just done the ATOS medical and am so screwed as regards employment and money. I do not want to live on benefits so: 4. I was even thinking of just doing Saturday nights at work; I'd get HB and Council T bens and maybe medicine help, but wouldn't have to deal with other benefit groups. That would be my last resort, because I'm terrified my back will get worse. I'd be able to rest up a lot afterwards, though. Sat night is the unpopular shift, of course, so my workmates would fall on me with a glad cry, but not sure employers would wear it. Thing is, I don't want to go through all the other negotiations, lose, and then rely on them being accommodating enough to agree to my last resort. Left a message with the solicitors and my union but neither has got back to me, so I'm appealing for any wisdom from you guys!

I'm privately renting a flat and last week my boiler broke leaving me with no hot water and no heating. I let the landlord know on Thursday 1/11/12 and he booked a plumber who came on Monday 5/11/12. The plumber filled out a gas safety certificate and said that the boiler needs a new pressure switch. The landlord says he has ordered the pressure switch and will have it fitted towards the end of next week. Would it be unreasonable to ask to have it done sooner as by then I will have been without either heating or hot water for 2 weeks. I've had to wash by boiling the kettle and filling up the sink but it's getting cold and I have long hair that's very difficult to wash in the sink.

Hey guys, I hope everybody is well. I'll try to keep this as brief as possible. I recently opened a savings account with Barclays and initially deposited an amount of 2100 to start it off. I was told that my card and PIN would arrive within a week. Anyway after about 2 weeks, I remembered and noticed that I still had not received either my card or my PIN number - I didn't think nothing of it obviously assuming that my money was safe and that they'd simply forgotten to send it. So, I called up Barclays and was put through to one of their staff and explained the situation. He told me, "Yes, you're right it appears the card hasn't been sent on our system" and asked me to go on hold. Which I did...for 25 minutes! So I got fed up and hung up. I tried once more and got through to a lady who apologised for me being on hold....and put me on hold! Again, another 20 minutes later so I hung up and thought forget it, I'll call again another time. Called again 2 days later and got through to somebody and explained the problem. This time I was put on hold briefly and when the gentleman returned, told me that transactions had been made everyday until my account was emptied of the 2100 pounds!! He gave me locations and times that were all over the place! We established it couldn't have been me as I was working around 60-72 hours per week around that time and straight after work would hit the gym in a location nowhere near where the transactions took place. Anyway, he apologised for the inconvenience and said that he was refunding the money but I'd need to fill out a form or they would take the refund back. He was a nice guy and although distressed I was happy with how he handled it. Anyway, I thought that was the end of it..Not so. I got a letter yesterday saying that they were holding me liable and that the money would be taken back in 7 days!! This wasn't explained to me at all by the man on the phone and I just assumed this was the end of it! They said the card and PIN were used together and therefore it implicates me. Also that I didn't report the card for 2 weeks. (That is insane! I was working 60-72 hours a week and then going to the gym! The card wasn't even on my mind as I assumed my savings money was safe) I looked at the FSA guidelines and what they're doing is basically wrong. They have zero evidence against me while I have every piece of evidence that it wasn't me! Also, the worst part is that since then my friends have decided on a holiday to Vegas and I thought why not, I didn't have money to afford it so I used most of the money from my savings account to book it and NOW Barclays are saying they are taking my money and if there is nothing in there that I will become overdrawn and incur fees! This is totally ridiculous and I feel so stressed. This is going to affect my credit and everything if this happens. How do they get away with this? Is there anything that I can do? I have already written them a stern letter with all evidence and how they have given me no evidence at all. Reading stories of the Ombudsman doesn't give me faith either. How should I proceed after sending this letter? Thanks a bunch for this

i wonder if anyone can give me any advice, sorry if this is he wrong place. i left my abusive ex as he made my life hell. he's now got a judgment in default against me for bills and a loan that are all in his name he says i agreed to pay half. i have received a bit of legal aid but am basically told to get the judgment set aside i need to go and face him in court and put mys side across. while this sounds straight forward i am terrified and its keeping me awake at night. i left our home with a carrier bag of stuff. i never went to the police about the abuse but its documented on my medical records. btw i only found the judgement on checking public records after a problem with credit. thanks for any advice in advance.

many moons ago I had a problem with NatWest and a payday loan they had paid despite me cancelling the debit card. after an initial complaint they reversed the payment but a few weeks later they re did the payment or should I say payments as they were taken in 7 chunks of £100. Anyway I went through their complaints procedure with no joy then the FOS who just rubber stamped their decision and thought that was that as i could not pay anything back at the time the account had massive charges and went into default. Just a few days ago i saw this BBC article http://www.bbc.co.uk/news/uk-19598492 -which should probably grace the CAG front page as i bet it would be useful to a few cagers- which explicitly states that the banks cannot just make a payment to a payday loan company or anyone else against my will and how the banks are unsurprisingly still ignoring the law on this. Anyway as I now realise that the bank was wrong and the FOS was wrong i was wondering how i go about taking them to court. Would it be simply a case of taking them to small claims to get the money and charges refunded so that the default would be taken off?

I had two outstanding parking tickets. bailiffs then removed my vehicle and it was taken to storage. i was informed that i had to pay £713.54 in order to collect my car i was also advised by the bailiffs that if i did not have the outstanding amount i can hand over the keys to the vehicle and that the vehicle would be sold to cover my debt as my car was valued above the outstanding amount which was due. so i did just that i handed over the keys and the vehicle's V5, to cover the debt also after i handed in the keys no documentation was provided that i handed over my vehicle to them. Two weeks later i received a letter from the same ballifs, stating that i owe them £215.00 for a second outstanding parking tickets, i called and was told that i had seven days to pay and that if i don't a bailiff will be attending my home to repossess my belongs to cover the debt. I then informed them i don't have the money but i can pay in instalments, which was declined. They also informed me that my car has still not been sold and it is still in the compound, which is therefore occurring more daily charges. I therefore seeked some advice and was told i can take them to court and have my vehicle sent back to me and i can reclaim my money for court fees and compensation, because i was bullied into handing over my vehicle. Please is there anybody who knows how the system works in terms or taking bailiffs to court and reclaiming back my vehicle.

I received a letter on Friday 14.09.12 informing me that DVLA are taking me to court. On 07.01.12 I part exchanged a car which had a private registration on it. I paid the garage money to transfer this on to a retention certificate for me. I received a letter from DVLA a week later confirming I was no longer the registered keeper of the part exchanged vehicle. On the 19.09.11 I moved house and changed the address on my driving licence about a week later. All the corospondance from DVLA was sent to my old address so things have been held up as I only visit my old address every few months to pick up any mail that may have been delivered there for me. The summons I have received from DVLA is for a registration mark that may have been origanally on the car that I part exchanged before I put the private registration on (about 8 years ago so I really can't remember what the original registration number was), although the make and model are the same as the car that got part exchanged. DVLA are saying that because I haven't re-registered the vehicle they are taking me to court. I have contacted the garage with whom took my car as part exchange and as yet they haven't returned my calls. Am I really responsible for re-registering the vehcle even though the garage own the car and i have a letter from DVLA saying I am no longer the registered keeper?

Hi, I'm currently claiming Income-Based JSA and receiving £71 per week. I am considering taking in a lodger under the Rent a Room Scheme. The rent would be £85 per week. How would that affect my benefit? At present I'm not liable for Council Tax either would that be affected? Any replies would be appreciated. Thanks Terry

Hi All I'n new to the site and am hoping someone can help. I am taking British Gas to court because for 4 years they have been billing be as a business whe I am a residential customer. I have wrote to them , called them and emailed them for over 4 years telling them that I am a residential customer. They have sent me ridculous bills (which I have not paid beciase I am not a business) and they have still not transferred my account to a residential one. An invoice for over £7k was the last straw so after them investigating the matter for 6 months and getting nowhere I decided I had enough and filed a claim against them to which they have responded with a defense and a counter claim for thousands of pounds through there solicitors Eversheds? Does anyone know anything about this firm or has anyone taken BG to court? The couter claim has worried me a bit so any advice would be helpful.

i am disgusted in the way you have acted after i had a claim with my car you have told me that my car is valued at £2500 then minus a £290 exess then minus £1282.12 yearly premium which leaves me with £927.88. i think this is an outrage and i demand an answer and my money what would happen in a case that i don't want to drive a car again do you get this money for doing nothing then???