I made a cash giro payment on the pre-printed T-Mobile EE payment slip at the bank in Oct, then in Nov I received a letter from T-Mobile stating my account was in areas by 2 weeks and it would be suspended if payment was not made. I got onto the phone and spoke to a 'customer advisor' in India who did not help me at all.. .he kept saying 'we have no payment I can't help you' I asked to speak to a manager, I was told 'all the managers are in a meeting' - so I said thats fine I'll wait, the advisor said 'i'll get a manager to ring you'...i said 'no i'll wait'... eventually a manager picked up and I said 'your customer advisor said you were in a meeting.... '...the manager said 'no i was not i was listening to a call elswhere...' I explained I made payment at the bank in Oct, the manager said the 'missing payments' section deals with this and he has no phone number for them. ..he tried to make out I made a mistake filling in the wrong details on the payment. I said 'how is this even possible when the slip is pre-printed with all the details, so I can't have made a mistake!' I was asked to email a copy of the bank giro to the 'missing payments' section, which I did. The 'missing payments' section sent me an email the next day.. .saying they had sent it across to the bank as part of their investigation and T Mobile would investigate and get back to me by 48hrs. ..I waited a few days and rang T-Mobile again it went through to a call centre in India. ..the advisor kept on saying 'sorry we have no payment, you must go to your bank and investigate it, t-mobile has done everything on its part....etc' I said 'tmobile is responsible for investigating whats happened to my payment I made over 4 weeks ago, its not my job to take time off work to go to my bank in person and ask them, its YOUR job not mine' - The manager just laughed in my face and said 'its YOUR job to go to YOUR bank because YOU made the payment, Tmobile has sent the investigation to tmobile NOW its YOUR job NOT ours...etc' I asked to speak to a manager.. ..he was just as worse so I said I would make an official complaint against him for being outright rude towards me and the phone call was being recorded on their systems. ..I told him to end the call and he then goes 'YOU have to ended the call. ..we cant do that....etc'...so I said 'ok I'll just wait even if it takes 1hr for you to end the call.. .you work in a call centre and your telling me you don't have the option to end the call from your side?!?' - eventually he ended the call I spoke again to a different advisor explained the situtaion she said she was 'shocked' I made payment over 4 weeks ago and tmobile have not investigated or found where the payment is, then she started to blame me for the error I have an email from tmobile saying the investigation would take 48rs, its been more than 2 weeks so far, so tmobile have broken the promise in the email (can i use this to take to the financial ombusman) Ive spent close to 3-4 hours on the phone to tmobile....but they don't help at all on the phone or even by email. I've rang the bank they took some details the bank has confirmation the payment has been made. So I had to take 1/2 a day off work (loss of pay) plus car parking in town to go to the bank arrange to see the manager and get the proof payment has been made, which I now have in my possession. I have emailed this to tmobile and they are not responding back to my emails. I asked tmobile if it would effect my credit - they said no (but i don't believe a word they tell me) The bank said if tmobile had put a note on my file that has effected my credit rating, the bank would give me evidence to say payment has been made, which I could then ask tmobile to remove the not from my credit file. Ive paid off all the outstanding balance on the account and I want tmobile to admit they messed up and say sorry for the hurt distress they have caused me and for me having spent hours on the phone and on email only for nothing in return - no help at all. I'm worried tmobile would put a note on my file which would effect me credit rating for things like credit for good or morgtage in future. I want to take this all the way...they are also not replying to my emails and sending me in circles when I speak on the phone with them, they have failed to 'reply within 48hrs' as stated on the email to me - broken their own policy and guideline.....etc Who do I complain to in person at tmobile at what address and what do I put in the letter? I want compensation for tmobile messing up with processing the payment the bank sent them and for blaming me and the bank, then for me spending hours on the phone and on email, plus loss of wages for taking 1/2 off work and for car parking, then I want them to admit they messed up and to credit my account with the original payment made over 6 weeks ago and a letter of apology, please can the experienced posters on here, please help me and i'm sure my case will help others as well and be a point of reference for others, thanks

We have had numerous issues with a caravan purchased from a dealership in less than a year we have had approximately 44 issues with the caravan with several issues being serious. Four of the issues resulted in the front and rear panels being repaired and then replaced. The advice I got from a lawyer was as follows; Although I appreciate you approached XXX Caravans to supply you the caravan, as you took out a hire purchase agreement with Black Horse, they are the retailer of the caravan. T herefore any rights you have under consumer law are to be exercised against Black Horse and not XXX Caravans. Under the Consumer Rights Act 2015 Black Horse have an obligation to ensure the goods supplied to you under a contract are of satisfactory quality. This means they should be fit for their purpose, free from minor defects, safe and durable. For the problems you have described in your email it would appear this is not the case, as a result Black Horse are in breach of the contract between you. I have always been under the impression that the supplier is the retailer and that the contract is between the consumer and the supplier and if there are any issues I need to approach the supplier and not the finance company although the finance company do have a responsibility. As we have had so many issues with this caravan which appears to be a Friday afternoon lemon made from left over pieces of other rejected caravans, we are considering rejecting the caravan even though we have had it since July 2016. The £1000 deposit was paid using a credit card with the balance financed by a trade in and HP. The caravan cost in excess of £30000. We have had approximately 100 days usage from the caravan. The question is whether the advice from the lawyer is correct or not? Thanks.

In October 2015 we ordered a new Buccaneer Cruiser caravan and paid a deposit of £1000. The caravan is due to delivery within the next few days. We chose this caravan as it is wider and has self levelling making it easier for me as I have rheumatoid arthritis and therefore mobility problems. Between the time we paid the deposit and now we raise a few issues about the rear panels on these caravans as there was an issue with some developing cracks. The caravan is advertised with a 10 year water ingress warranty and one would assume that this covers the outside panels however on reading the owner's manual which cna be obtained online I found out that the panels only had a 1 year warranty. I emailed the dealer on a few occasions with our concerns about the rear panel and they replied and gave us re-assurance and I left it at that however on Saturday someone went to take delivery of their 2016 Cruiser and foudn crazing on the rear panel. I raised this with the dealer as we were have 2 units fitted onto the caravan and requested if we coudl view the caravan when it was delivered and before they did any fitments to the caravan. This was their response; Martyn is on holiday at the moment and won’t be back for a few weeks .I have just been looking through your email with the concerns you have with the buccaneer cruiser 2016. I then started to look though the rest of the emails you have sent us over the past few months. You have great concerns with the caravan . On a personal level ,this occasion we feel this would cause you a great deal of stress to yourself and the company if a problem was to happen in the future with the buccaneer cruiser. with this in mind on this occasion I obliged to return your deposit and cancel your order. we feel this is the best course of action for you .can you please call us to return your deposit asap . Can they cancel the order and issue a refund bearing in mind that they have had our deposit for 5 months plus I have had to paid £425 for the air con on our current caravan to be transferred and another £99 deposit for a Paintseal treatment? The wife is absolutely livid as she has been looking forward to us taking delivery of the caravan.

Some years ago, Cabot acquired five credit card debts I had with BOS/Halifax/IF/Barclays/Lloyds. This amounted to a substantial sum and was the result of 'getting my fingers burnt' in property development. There is no entry in my Credit report for any of these amounts, or from Cabot. For the past several years I have been paying an agreed £1/month on each account to Cabot, no payments missed or late. They seem quite happy with this and don't bother me. This amounts to the princely sum of £60 / year in reduction of the substantial debt, less whatever they spend on administration/letters etc. I am almost seventy and have negotiated substantial debt write-offs with NatWest, Capital One and Tesco directly. Cabot would not write their debts off. With my sisters help I have tried to negotiate a settlement of £2000, (ok the total debt is around £40,000), but they keep saying no. I have pointed out to them that if I live to 80 they will only get £600 and to 90 they will get £1200... ..and I will have no assets to leave, but they are adament I keep paying £1/month each account. I could simply keep paying this and let it die with me, but I want a 'clean sheet'. I have requested a SAR within 40 days. 1) Assuming they respond in the timescale but do not send any signed novation agreement or original /certified copies of the original agreements bearing my signature, can they actuallly DO anything if I stop payment? 2) I am selling the modest house I have in the UK (no equity) and going to live with family in France. If I just leave the UK and don't give any French adress what would/could they do? 3) If I did either of 1 or 2 can they retrospectively place entries on my credit report? thanks

for what ever reason tax credits have messed up big time! they have put 800 in to my old bank account which is closed and has been for a long time, as it is overdrawn, im on phone to Halifiax to sort and all im getting is well it will pay the debt off! Ive made it clear this can not happen as it is my rent money, and is needed ASAP! they have said now they cant find my account! Ive spoke to tax credits and all i get is well it will be returned if not used!! help!! best thing is they just said set up a payment plan or we keep the money

There are a lot of intricate details to this, so I am going to assume everybody is familiar with how the mobile banking app works independently and in relation with online banking on the website. I'm in a desperate situation. I have literally ZERO access to my online banking. My phone broke the other day so I'm borrowing one of my friends old ones, temporarily. I had an iPhone and this is an Android and thus I couldn't use iCloud to restore most of my information. Therein lies the issue. My old phone had all of my banking details on it. The only ones readily available to me are my account number, sort code and my cards. That being said, here's the situation: I am a student and need to start paying rent for my accommodation for September by the end of the month and so I need to set up a standing order. The HSBC mobile banking app crashes on this phone and therefore I have no access to my security code generator. This narrows my method of access to my account to answering security questions, using a password that I do not have access to, and my memorable word, which ironically, I do not remember. My memorable word is one of two options and I can't tell which it is. I tried accessing my accounts through memorable word + password and I couldn't remember my password. In the process. I am now locked out. The only method to access my accounts, therefore, is through customer service. Kid you not, as if this couldn't get any more complicated - after entering my sort code and account number in the phone, they asked for my DOB and now miraculously it does not match what is on their system (this has never happened before in the 4 years I've been banking with HSBC and this detail has never been changed). So: I can't use the app because it crashes My details are on iCloud and I do not currently have access to them, thereby meaning I cannot use Mobile Banking or Online Banking in Browser I urgently need to make a payment or I am literally screwed Everything that can go wrong has gone wrong, including alterations to my personal details which should never have happened That being said, the last solution is to go to my local branch and present myself in person. To gain access to my details and unblock myself from my online banking etc. That being said, what is the process like? Do I need anything other than my ID? Is there ANYTHING else I can do? My car is in for repairs on Saturday, and I'm working every day except Saturday - so I may not even be able to reach a branch before I go to Uni and inevitably end up being homeless HELP!

Hi all. First time poster on here. I received the attached the attached parking charge notice a couple of days ago. It is from a company called park watch and states I entered a no access area on private land and provides photographic evidence showing this. I cannot dispute that I did this. The location was One Stop Shopping Centre in Perry Barr, Birmingham. My question is would I have any grounds of appeal? Any information/advice much appreciated. Many thanks Mark

Hi all, I'm wondering if you guys can help us out with advise. We have applied for a dropped kerb (also called vehicular access) for our house where the front garden has been paved as a drive way. When we applied we were under the impression that we would get the permit to create vehicular access based on the fact that 75% of our neighbors already have their kerb dropped. To our surprise, the Northamtonshire Highways have denied our dropped kerb citing new regulations that came into effect in 2014. We were told we could appeal, but that we probably lose this based on the new regulations. Is there a way that we can appeal based on the other dropped kerbs (in legal terms called a precedent) or do we just need to accept the fact that we won't get the kerb lowered? Thanks for any assistance.

My Landlord, a housing association, is threatening legal action for access to examine a gas boiler in my rooms. I think that the application would go before a magistrates court. My question is do I get notice so I can defend the case? There is no gas boiler in my rooms. The landlord knows this. I have reminded them several times and they don't seem to believe me. It is a case of administrative chaos rather than deliberate harassment. Any ideas, please?

Hello Dont really know where to start here but a little back story: I had a little girl in 2003 with an ex partner, she didnt work and literally sat at home all day from morning to night in her pyjamas (and so did my little girl!) while i was out working.I was always the one doing the bottles, changing her and playing with her while a mountain of mess filled the house! (she literally didnt do anything) One day I came home and her bags were packed, her mum and dad arrived and they all left (she took my little girl away). After that happened she made it very difficult to see my daughter she said I could only have supervised visits, when I saw my little girl I wasnt allowed to hold her and speak to her. It got to a stage where I just wanted to give up and instead had to move away for my own health which meant leaving my little one behind Now in the last few days the mother and her friends have been spamming my facebook and business page with comments saying my girl wants to see me. I have agreed to this and started talking with her which I have been very happy about. We arranged a meeting for Sunday (but her auntie HAS to be present I am not allowed to see her on my own) - now her mother is again making things difficult accusing me of this and that and they are trying to force me to meet somewhere else further away (I live 100 miles away from where they live and we agreed a location around half way) She is trying to make it difficult to see me again rather than helping her daughter see her dad. It really shouldnt be this difficult. I know there have been lots of lies told about me (to my knowledge she has always been in council accomodation and I believe this was the reason she wanted a baby and took her away from me as it was a fast way to a free house etc) I really want to see my daughter , it has been ripping my heart out for 14 years and I have never spoken about it to anyone. Now when I speak to my daughter on facebook I dont believe its her theres lots of nasty comments and i believe its her mum talking on there. I know my daughter was so excited to be finally seeing me now its seems like its all gone I would really appreciate any help. I want to see my daughter I dont want it to be a group activity or supervised (i understand she may want someone there the first time as I am someone new and thats fine with me) It all seems to be their way or no way and I really dont want to get involved in these games again. It took me many years to recover and get my life on track. I have a little boy now whos 2 1/2 and I love him very much and he deserves to know and see his sister FYI my name was on the Birth Certificate which gives me 50% parental responsibility. She is using her mothers name, not sure if my name has been removed from the cert without my permission (I have ordered a copy to check!) Would really appreciate any help you can give me in getting the access i am entitled to and not on her unfair terms but equal terms

Hi all, I'm hoping someone can help me. I purchased a house 5 years ago which as part of the deeds includes a single parking space in an open carpark (of approx 14 spaces). Of these 14, 5 are visitors Spaces and the rest are allocated to the houses in the street. My neighbour is constantly abusing my space. I rerturn home and often find her with her possessions (from gardening, house clearance, charity shop runs, decorating in her house etc) stacked up in my space. I often have to sit and wait while she moves it all so I can park in my designated space. This has been going on for several months, and is compounded by the fact that I come home and find her visitors parking in my space (as it is conveniently opposite her house & next to her car). Today they only got out to move the car when I went to leave my car blocking them in. We have no parking enforcement, management company etc, as all the houses are privately owned (as ar the parking Spaces). I'm just wondering what legal rights do I have to stop her using my space? Can I actually "threaten" her with anything from a legal standpoint. Apparently the fact I have a number on my parking Space isn't enough to deter her from using it as she feels like it! The irony is the space on the OTHER side of her car is a visitors space and NEVER used by anyone as it's on the opposite side of the carpark to the other 4 so no one realises! Yet she knows this, and just keeps using mine... Asking her nicely has failed, today I just scowled and told her to hurry up when her guest moved the car () I've given up with being polite and asking nicely - it seems like every other day when I come home I have to wait for her so I can park up. I'm actually at the point where I'm going to just start parking in the the visitors spaces, but at the end of the day, it's my land??? What legal rights do I have?

Have you ever tried to make a subject access request to Lloyds bank and been told that they don't keep data longer than six years? Well basically it's a lie – but you wouldn't expect anything else from Lloyds bank. They use an archiving service in Andover and you can get data going back at least 2001. Their address is: – DSAR Unit Lloyds TSB Customer Service recovery Charlton Place C46 Andover SP10 1RE And they even have a telephone number: – 0345 0707124 Although I don't know whether people are prepared to speak to you. Apparently the same archiving service is used to store data relating to TSB, Lloyds TSB, RSP, Halifax Bank of Scotland. In other words all the usual suspects who have ripped you off over the years and then try to obstruct you from getting a full data disclosure. You should still contact their head offices or your branch for your data disclosure, but when they come back to you and say that there is only six years then that is the time to start objecting and to make complaints to the information Commissioner. You can make an SAR request directly to the data centre as well, of course.

Do you think DWP still have my records of income support that i claimed 2011-2013? There is some information that i need and i'm hoping they still have the details. Thank you.

I've just sent off (with the £10 postal order) a Formal DSAR request to 1st Crud. All info required to be supplied, including a signature was provided in my formal and detailed letter. I've just received one of their 'please fill out this 5 page form' before we are obliged to do anything, however I'm not happy with what they are requesting I provide. There is no way I am ever going to provide them a copy of my driving licence, or bank statements and I'm back on here for some advice. I've been completing DSAR requests for approx 10 years, and apart from (almost) starting legal action with BC whilst some have been a struggle to get all info from and in a timely manner most have been compliant and not made me jump through too many hoops. (Oh apart from the DWP completely ignoring me for over 2 months! Still ongoing - but I class them in a different category to the CC companies and DCAs etc). Have the rules changed? I am now legally obliged to provide any of the following on the attached picture? Considering I've lived at the same address for over 10 years, and they've contacted me for 3-4 different companies at this same address, and threatened legal action to me at the same address, and supplied alleged CCA agreements, I would think that they should be fairly confident of my identity? Can I take this route, or will they likely play up and delay provision even though I don't (I think) have to legally provide the documents they have requested I send? Thanks ME_TOO

There are two points to my query, I will try to be both accurate and to the point. Our property that we purchased 10 years ago is at the end of a private road. We own 80% of the turning point and one side of the road which is outside a house that has just been sold 'subject to contract'. Our other immediate neighbour owns the other side of the road outside their own house. We have had words with the neighbour who is selling when we moved in as they would park on our private bit of road. We use our piece of road to park two of our vehicles, and we bought the house as it had enough parking, indeed it was sold to us as with additional parking for 3 vehicles. The property being sold has no on street parking (Although they could park on the other side of the house on the main street and enter their property from the garden entrance). Outside their garage is a small driveway, of which half is designated as part of the turning point. This is only marked by a tar line down the wall between our garage and theirs as the previous owners refused to allow it to be marked out on the floor. Their bit is obviously the other 20% of the turning bay. Planning permission for our house and our other neighbours house was subject to this turning point when the property being sold 'sold off' our plots of land in 1980. We have a copy of the original plans to prove this. Our concern is two fold. The new owners will have access and egress over our private road - no issue there - however, from what we have seen of them visiting the property they own multiple vehicles including a large work van. The only way they will be able to park these vehicles is if either D a) they block the turning point - and it is already too narrow so there will be no turning at all and involve reversing down the whole street. Or b) they knock down the front wall and turn the garden behind into parking (similar has been done the other end of the street, but that house owns the road in front of their house). If that was the case, our cars would still block access to their front garden - or would they have the right of access and egress across our parking spaces? Currently the parking spaces are not marked with white lines - we intend to rectify that next weekend as I feel we need a visual obvious sign that we park there. We have briefly spoke to them, just to say hello, when they were viewing and they were very 'off' - so the neighbour has obviously told them we have an issue with parking. They also were quite pointedly saying that our cars were not going to be parked outside their house for much longer! Not to us, but loud enough for us to overhear. I did at that point attempt to point out that we are parked on our own property - but the lady walked off very rudely without even replying. I have spoke to the estate agents to ensure they are notified of the turning point but we just got a solicitors letter from the person selling stating that as turning areas are not on land registry they do not have to notify the purchasers. I can see problems and want to be in a position to avert as easily as possible as life is much easier if we get along. I also feel they should be made aware of restrictions before they complete their purchase.

Hello All I made this SAR request to the Energy Ombudsman (E-O) as I wanted to see what Npower submitted to them as evidence to back up their response to my complaint with them. Npower are reknowned for saying they have done everything correctly but not substantiating anything with hard evidence. My questions are: 1) There are some emails between Npower and the E-O where the NPower's persons details (name number email etc) have been redacted. Is this permitted? Why? 2) The E-O hasn't sent me any evidence from Npower to substantiate their response to my complaint (but they did include the emails I sent them as evidence) . Should they withhold this from me in SAR request? As this was the purpose of me making the request in the first place. 3) Can I do anything about the above to get the info I was after in the first place? Many thanks in advance Jimbo

I know that my telecommunications provider has been overcharging me but not by how much and over what period (they acknowledge as much but are being awkward in (not) helping me arrive at the amount they have overcharged, for me to reclaim and have said they will arrive at "an arbitrary sum" of their own if I am unable to provide them with full details of dates and amounts). So I sent them a properly worded SAR but they have replied with an in-house "SUBJECT ACCESS REQUEST FORM" for me to fill in (which suggests they receive a few requests) and told me I must return it to their "Legal Team", directly. 1) Do I have to complete their form or can I insist they respond to my formal SAR, as already provided to them? 2) Is it for me to approach their legal team or is it for them to pass the request over to it? Thanks in advance for any help and advice.

Made a subject access request to Santander. One of the acknowledgement letters they sent says this (in bold): If anyone here has made a subject access request to Santander, can you please check the Acknowlegement letters to see if it says the same. If it appears can you include a scanned copy of the letter on this forum. The ICO has told me: Santander acknowledgment letter also says this about call recordings: Santander did send me call recordings, but one of the recordings had a bit missing from the dialog. I've reported it to the ICO. They've just got back to me after 2 months and said I need to ask Santander for the missing data. I'll probably do that, and let everyone know if Santander does locate the "missing data". BTW, about storing call recordings under telephone advisor's login (and not by customer name or account number). I'm pretty sure the Data Protection Law says if a living individual can be identified from the data, then it's classed as personal data. Here's the quote from the ICO website:

Up at 4am talking to a friend on facebook, her situation is that she is the sole carer for her 61 year old Husband who has early onset dementia, she has had problems with the 'authorities' when her husband was in hospital, first of all there was a deprivation of liberty order put on him and then a DNR so she has total mistrust of medical professionals. Now he is out of hospital she has district nurses in once a week, only one of them decided to report her to social services because her house was 'dirty' even though the nurse KNEW that two days before she had broken 2 ribs and could hardly move let alone sweep the @@@@@@ floor buts that's another story. Now she has had visits from SS and has been worried they are looking for an excuse to put him into a home and again they seem to be more interested in the state of her house then her well being and her husbands condition. Talking to her today its clear that she is suffering from depression ( I don't blame her) the catalyst is Christmas as her family don't support her and she is dreading spending the day looking at 4 walls with no celebration I, alas am too far away to get to her on Christmas day and strangers actually cause her Husband extreme distress so my being there will only make things worse. I have suggested she sees her GP, but she wont as she believes that if she does so and is put on medication her GP will inform SS and that she will not be deemed fit to look after her Husband So I need to know the process, would her GP actually give medical information to SS as a matter of course or would her GP have to ask her permission or ask her to sign a confidentiality waiver before they did so. I have suggested respite care, but again she is scared that once he goes into a home he will be kept there.

I own a property in a small development of 7 houses. There is a tarmac access area and some paved footpaths around the houses for which ownership has been retained by the developer but over which the residents have right of access, subject to our each paying a share of maintenance and upkeep expenses. The developer has appointed an agent to act for him and this agent has issued invoices for expenses annually, typically in the amount of £250 per property i.e. £1750 per year in total for the whole development. As far as we are aware little or no maintenance work has been carried out, and none is really needed, but there is a possibility that someone has visited occasionally for the purpose of sweeping and general tidying. No substantiation of the amount claimed has been provided despite request but the agent has stated that, as well as actual maintenance cost, we are liable to pay for insurance, lighting, management and accountancy fees for the whole estate. The residents acknowledge liability for maintenance costs actually incurred and have agreed to pay a nominal amount of £100 each (making £700 in total), which should be well in excess of the costs actually incurred. The agent has responded by issuing a "Formal Demand" and stating that unless we pay the amount claimed in full either the account will passed to a debt collection agency who may issue court proceedings or a first charge may be added to any applicable mortgage. We are also informed that the developer can place a charge over our properties, and that we will be liable for any legal and financial administration costs incurred. The question is therefore can the developer or his agent carry out any of these threats? How? Do they have to go through the courts? If it were a one-off charge we would probably pay the amount claimed, but it is annual and so would accumulate in perpetuity. Also, any registered outstanding claim would have to be settled if any of us wished to sell. And there may at some point be some genuine maintenance or repair work that is required to be done.

Our landlord is revenge evicting us after we pushed for repairs to the property. On reviewing our tenancy documentation it is clear the agent he used did not provide all the prescribed information required. We want to sue for the deposit return plus penalty award. We are aware the landlord is ultimately responsible but the agent signed the deposit scheme forms and managed the process. We feel the landlord may suggest it was therefore not their fault and minimise the penalty whilst the agent deals with many properties and our expectation of going thru them was for due diligence and process to be followed which warrants a higher penalty. So we want to sue both parties . Is this advisable and if so, how would any award by the judge be applied? As a relevant factor, we are suing in respect to the original deposit against a tenancy agreement for 12 months in 2013-2014. We signed another 12 months 2014-2015. From what I've read elsewhere it appears we can sue twice ie for the failure to comply with the PI of the 2007 Order for the first agreement then again for the second agreement . Indeed that 2nd agreement then rolled over to monthly renewable so is that a 3rd instance of noncompliance? So the deposit amount is£1200. We wish to apply for the maximum penalty of 3x 1200 being 3600 plus the deposit of 1200 making a total of £4800. And if this apples for both 12 month terms then the total settlement is £9600. Is this correct?

We further requested recording / true copy of a particular transcript of telephone conversation giving date and exact time from a Loan Broker. Previously received some sort of print / scratchpad notes of conversation with SAR but important part of dialogue seems to have been omitted. Now my OH was told it was being recorded and she said that the person at the brokers was talking to her and typing up notes at same time. They have now refused our further request and stated that they are not obliged to provide any other format / CD or telephone call transcriptions. Can someone kindly confirm if this is correct ? Thank-you

To cut a long story short.... I worked as a freelance contractor for a firm for 6 months in 2015. The long term contract was eventually cancelled by mutual consent and in October. In December I was sent a letter from my client stating that they strongly believed that I had not fulfilled any of my duties under the contract and wanted £4,000 withn 30 days or were threatening to take me to court for £12,000 + I spoke to a solicitor who advised me that unless it was a letter from a solicitors on the clients behalf, then I should not respond as the client was probably "fishing" to see if I would pay up. I received another letter in March, stating the same thing, at which point I requested a Subject Access Request (I did this as everything I did was controlled by work email I had no access to, including my contract and other personal documents) I received the SAR response as a set of transcripts of emails and other documentation (which according to the SAR code of practice is totally acceptable), HOWEVER also included was personal notes inbetween the emails, one of which states that due to a situation that occured the client thought I was going to use certain information to blackmail them. Yes they actually wrote that on the SAR response paperwork, twice, in two different places among the 36 pages of response I received. Now, my question is, are they allowed to comment with personal opinion and notation on an SAR response or should it be just the facts taken from documentation? I cannot find anything in my searches and thought one of you fine people on here would know. If not, what would be my next step in responding to it other than to ask for the information without the notation? Thanks in advance

Hi, Some advice please. I live in a small cul de sac where we each have 2 parking spaces and also two visitors spaces which are jointly owned by all of us. One of the visitors spaces is at the far end next to a neighbours garden and the neighbours there have always used it as their own private space. They are aware it is a visitors space (because they have told me they are aware) and the deeds state this. No one has ever complained as we like them and didn't want to cause any problems. Also, most of the residents are tenants so unaware of the fact it is a visitors space, it is only those of us who own the properties who are aware. Now though, they have decided to make vehicular access to their garden across this visitors space and put vehicle gates in across the far end of it. They have not asked anyone if they agree. If they then park in their garden, and someone parks in the visitor space they will be blocked in which is tough luck. but, really, no-one will park there as by putting gates in they are inferring it is their private driveway. If the space needs maintenance then I am as responsible as they are even though I cant ever use it. When I asked what they would do if someone blocked them in they just said that no one has ever parked there before (probably because they couldn't) I cant put a bollard up as they own the same amount of the visitors space as I do. I am concerned long term they they are taking ownership of shared property which could de-value property. Any thoughts or suggestions please? Im annoyed as they are the ones in the wrong and yet I feel awkward about addressing it!

I have mobility problems which only really affects me when the weather starts to change. At this stage I need to use crutches and have access to a cab to take me to and from work paid for by DWP under the Access to Work Scheme. I have recently started a new job (only 3 weeks) within a physio therapy centre however they do not have any disabled access. When I was offered an interview I noticed that the building only had stairs and prior to being offered the role, I did comment that I had mobility problems and that the stairs would be a problem for me. After being offered the position, I spoke to my Team Manager during the first week and informed her of the my mobility problems. She asked whether I would be able to manage and I said that I would see how it works out. Unfortunately I was unable to attend work the second week due to the pain in my back and mobility problems plus my cabs had not been arranged for me to get to and from work. The third week (21/12/15) I attended work and had a meeting with HR and my Line Manager. We discussed my mobility issues and they suggested that I was assessed by their in-house Occupational Therapist to see how they could assist me further, which I agreed to. On 22nd I was assessed by OT however unfortunately after examining me and getting me to undertake a few exercises eg. leg raises etc I was unable to walk and had to be assisted by the OT and his Manager into my usual cab. Due to this I have not been at work since. As the OT had to write a report, he said that it would be advisable for me not to go up and down the stairs often however at the moment I am working on reception and the offices and staff room are upstairs therefore it is unavoidable. He also suggested that I stand every half an hours to stretch my muscles. Although both myself and the company are aware that they need to make 'reasonable adjustments' there is not alot they can do. I am really considering my options here as when I am at home, although my mobility is an issue, I can get around and sometime do not use my crutches. However my symptoms worsen when I return to work due to having to climb up and down the stairs. This is of great concern to me as it feels like 10 steps forward and 10 steps back. Any suggestions, comments or advice would be welcome. I am due back in work tomorrow and do not know if I will be able to attend.