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  1. i had a virgin media account where the contract ran out in may 2013 which i cancelled by post and phone. i then changed to sky. i had not been receiving my bank statements for a long time and went into branch on tuesday and got a print out of last 3 months. i noticed on there a dd going out for £50 to virgin media which i then found out had been going out since may 2013 to vm. i was confused as i have been with sky since june 2013 and been paying dd for them ever since. i have had no coresspondance from vm that im their customer no bills nothing. i contacted them by phone last night which was a foreign call centre. they have no record of this. i contacted them by online chat today. spent ages talking to them and then was told to go to onlinee chat to complaints department. complaints said theyd not heard from me since 2012 when broadband wasnt working. previous online chat said phone was disconnected but not other services in may 2013. why would only the phone be disconnected??? when its a sky broadband and tv package i have both with vm and sky? i brought this up and complaints person said no it wasnt done by you but by another company and are refusing to give me my money back. i explained i had called and written a letter. they said i hadnt. and unless i have a recorded delivery tracking number tehy will not refund me. i explained i had called them last night and they had no record of this. so maybe they did not have the record of my cancellign. they said 'no theyve done nothing wrong and they wont refund my money'. it is my fault i didnt notice but i have been under a substanstial amount of stress. i truley believe i did cancel it but did not cancel dd with my bank. i have a clear credit record and am applying for a mortgage which i have worked very hard for. i have spoke to my bank also who are refunding the money under the dd indemnity. what shall i do now? i dont want to messup my credit history but its £800 of payments for a service i did not use. They have sent me no bills (they said theyve sent them by email but i have none and my email is active and i check everyday) i have received no post from them nothing. the online chat man said he is disconnecting it from today and started my 30 days notice. i have no vm stuff in my house at all and it fully on sky. what i do please? need help urgently with this please. worried it wil affect my credit status for my house.
  2. Hi, I wondered if there was anyone who could give me some advice. I've been off ill from work for 19 months from PTSD after an incident at work. I've been asked to attend a disciplinary meeting for a dishonesty allegation made against me. They have said I can have a work companion at this meeting. I asked my employers if I can attend my work place to find a work companion to attend the meeting with me. I know a lot of people have left and I really don't know if anyone is still working there that I will know to ask. They have refused to let me go stating that my condition of anxiety and stress that I suffer that they do not believe it is prudent for me to attend and given me a deadline of 5pm today to reply if I will be accompanied or not. I've told them they're been unreasonable and it is important to me to be accompanied. Not sure what to do or how to reply, any ideas?
  3. On 30/9/14 I parked on Braddon St Manchester at its jnc with Oldfield St to go and watch Man City. This area was originally terraced houses and they have all since been demolished. Even the vast majority of street names have been removed. I have since been back and only one sign exists at Clayton Lane/Oldfield St with the resident parking restrictions which are only enforced on event days. However if you drive into the area from the other side Turner St no such signs exists, just old signs on lamp posts. Even Google maps in 2012 clearly show that the houses have been demolished. Ive appealed on this basis and i am just waiting the outcome. Seems not to be within the spirit of the regulations really. Fingers crossed.
  4. My husband who has worked for the same security company for 10 years has had a phone call today from his supervisor who asked him has he received a letter off his new employer with regards to the site he has been working at has already been tuped over. my husband has been off sick since early december with an infection and matters relating to chemotherapy due to prostate cancer. he told the supervisor this is the first he's heard of anything and the supervisor said he would call back after speaking to the new employer. my husband is at a loss over what to say about his employment rights and what is in his best interests when his supervisor phones back. Please could anyone help with regards to this regards junes0000
  5. I work security. that bits simple My boss who is the Facilities manager has just been told as they supervise security staff they must have a Non-front line licence. The lay out of the companies involved is below. the Building owner appointed a property management company. That company breaks into 2 sub companies One side property management, the other, people who work at the buildings like Facilities managers. the property side appoints its preferred security contractor who then supplies the officers My onsite boss, the Facilities manager who is a direct employee of the client company (not a contractor/agency) has been told they can no longer talk to me about building matters or security until they get a Non-front line licence. [ATTACH=CONFIG]55909[/ATTACH] Strange
  6. Hi, Is there a way to tell if an employment tribunal judgement has been made in default? I took my ex-employer to the ET, and, long story short, got a judgement for unlawful deduction of wages success. I was not requested to attend court, and heard nothing more on the subject for a while until I received the judgement in the post. It just says "JUDGMENT, The claim for unlawful deduction of wages succeeds and the respondent is ordered to pay forthwith, the sum of £xxxx.xx to the claimant. After the fourteen day of "interest free" deadline had, passed. I chased up the respondent for payment, who then claimed to be unaware of it. He subsequently wrote to the judge asking for the judgement to be revoked so he may submit a defence, claiming his registered office had moved address since the beginning of the ET procedure and he did not receive the court papers (response pack etc.) as issued by the court. The judges reply was essentially no, as the correct procedures had been followed in serving the documents. However, the respondent has since informed me that he is applying for the judgement to be set aside. Investigating through the likelihood the judgement will be setaside, it seems that not receiving the documents alone, is not sufficient reason, unless the judgement was made by default due to this. (he had not updated his registered office with the court nor companies house, and only moved address once the et process had begun) A) what is the likelihood of the judgement being set aside? B) How can one tell if the judgement has been made by default? Cheers
  7. Hi all My apologies if this has been covered elsewhere, I have looked but cannot find an answer. A charging order was placed on my property 5 years ago by Welcome Finance, I was not required to make any monthly payments. I received a letter today saying that the entire debt has been sold to PRA Group and they are seeking to recover the debt. I was under the impression that as a CCJ, then a charging order had been granted, that the debt was stagnant until I sold my property. Could anyone offer any advice? Many thanks in advance. Emma
  8. Have you been affected by the "Farringdon Floods"...? [ATTACH=CONFIG]55628[/ATTACH] [ATTACH=CONFIG]55629[/ATTACH] Remember that you may be entitled to compensation through your representative operator's refund scheme. Please remember that the TSGN and IKF (Thameslink, Southern & Great Northern) (Integrated Kent Franchise) are run by Govia so the process will normally be the same. Details available below; Latest update is that a full service will resume tomorrow, however this may change at short notice.
  9. Hello I was made Bankrupt by HMCR in Oct 2013 while I was in the process of trying to agree a IVA, on visiting the Insolvency service I was advised as I was trying to agree a IVA, I would not have to resign my company directorships unless this was unsuccessful and my Bankruptcy was not annulled. In December 2013 my IVA was agreed and following this my Bankruptcy was annulled. It has now come to my attention that the other director has informed Companies House that I was bankrupt and resigned my directorship. I am asking was the Insolvency Services advise correct and could the director do this without my consent and is it possible to get this reversed ?
  10. I signed a 12 month AST which was due to expire 19th December 2014. Once I had given my notice to the letting agent that I was not going to renew (I have bought a house) then agent asked if they could begin viewings for a potential new tenant, so we allowed this. They found a new tenant quickly and asked (via telephone) if the new tenant could move in at the end of November. We completed on the house in October and so the keys were handed back on 25th November 2014 on the basis that this was a joint and voluntary surrendering of the tenancy agreement. This was all done via telephone and nothing received in writing. I wrote a letter, which I took with me when I went to the letting agent to handover the keys (see attachment). The letting agent wrote 'return of keys only' underneath and signed it. I have received no other communication from the letting agent to say that the tenancy agreement has ended and I presume I am still bound by it. The deposit has not yet been returned, despite me asking for it. I have cancelled the standing order for the rent and am worried that I am still liable for the last month of rent. Have I been evicted? Where do I stand legally?
  11. Hi First post on here as reading through some articles and you have been able to advise people I have recently moved away from my local DW gym and the week before I moved I went over to cancel the membership I filled in the cancellation forms and they said they will be in contact to confirm it has been cancelled. I asked if I would get charged for December and they said no. Unfortunately I didn't get this in writing. I didn't think anything of it and to be honest forgot about it as I was moving into my new flat. When I was going through my bank account I see I have been charged by DW for £38(Last Night) Called up on my lunch break today and they said that they have not got anything from the branch saying I want to cancel. I called up the branch spoke to the Admin manager which I didn't do the cancellation form with just someone on the front desk I gave it too and she is saying that she wasn't given anything she asked if I had a receipt and I said no I was never given one so I now have to do a 3 hour round trip to go and fill in these forms to cancel again. I asked about the charge in December and she said that this wouldn't be refunded and explained about the 30 day notice I said that's fine as it would of been charged no matter what but I also now have to pay in January as well I asked why when my initial cancellation was in November she just said you had too and that was how it was left. My partner has told me to just cancel the direct debit but I am not sure if this will resolve it or not
  12. Hi all On Black Friday I ordered goods from Amazon using their 'express' delivery service which should've arrived 1st December. Despite paying a premium price for delivery and not receiving a premium service i remained patient until after 9pm on 2nd December when I decided 2 wasted days was enough. I canceled the order and got a full refund. Well earlier this week I ordered goods from another company after receiving my refund, similar price to what I attempted to buy from Amazon but slightly inferior, and was delighted when a delivery man called with a parcel today. It was only when I got the goods inside, all signed for and delivered, I realised it was my canceled order from Amazon. So now I'm left with a dilemma. It was actually intended as a gift and the receiver really wants me to keep the Amazon product whereas my own principles say they should just come and collect their extremely late order. So a few questions... What are the chances of haggling some compensation if I decided to purchase these goods after all? Bearing in mind the initial purchase was Black Friday there was a discount, if I keep the goods, will they be held to that price or would I be expected to pay today's price? If I decide to send the goods back, do they collect or do I have to send it back at my own expense and hardship? (at this moment in time the parcel remains unopened so I've no idea if there's any freepost return slips or whatever).
  13. Hi there 1st post hoping for some help Yesterday I received a Charge Notice from TPS saying: Reminder Having checked the vehicle details with the DVLA we are writing to you because either you were the registered Keeper at the time of parking or the registered keeper has named you as the driver at the date and time a Parking Charge Notice was fixed onto the vehicle after having breached the following parking terms and conditions. The driver was observed leaving the site whilst the vehicle remained parked on the premises at Halfords, Harrow, Greater London On 21/9/2014 at 16.30 They are asking for a payment of £90 within 28 days from the date of notice served They also state the discount period has now expired therefore the full Parking Charge Notice amount of £90 is due The trouble is I have never been to Halfords in Harrow anytime and definitely wasn't there on the date or time stated. They have my car reg correct but the vehicle model is wrong! Help guys what should I do when it clearly wasn't my car
  14. Can anyone tell me how to go about removing a CCJ which has been put on my file by M-t-rm-l- finance for a debt that fell off my credit file 12 months ago Regards Jack508
  15. evening hope somebody can give me some advice to put my mind at rest, came home from work and there was a open letter in a envelope that says High court enforcement by hand urgent removal of goods pushed through my door inside letter high court form no55 notice of seizure the name on it is my soon to be ex husband he hasnt lived here for 5 months please can somebody advice me what to do? thank you in advance
  16. Hi I am wondering if anyone knows if the photo taken when I received a speeding fine will still be available to me after I have paid the fine and received the points? It was a police van parked on the side of the road, so not sure if it will just be of the car showing the reg or it will also show the driver. I know this sounds strange but someone at work is now saying I was not driving and just covering for someone else at work. I would like to prove it was me.
  17. Just been had by BES, wish i researched them before hand. I've been had by these BES also. Is there a way of getting out of the contract quickly ? Hi, Been tricked into a 5yr contract with BES by a broker, 'Concept Industries'. Called BES to be released from said contract, but can't. Any help is appreciated for a quick solution. Thanks KB
  18. Came home to a letter and notice from Marston Bailiffs. original client was thames valley magistrates court, who issued a fine to my husband from DVLA as they did not receive logbook information of new owner. This has escalated from a £40 fine to Marston claiming they have a warrant of control and will force entry for an outstanding sum of £620.00. Could someone please let me know if they are allowed to force entry for a warrant of control and how on earth did the debt reach £620? Please help as I have no idea what to do.
  19. Hi all, Defaulted on a Direct Line loan some years ago and after dealing with CCCS, I have been paying off a manageable amount back. Direct Line put a charging order on my house to secure the debt, should I choose to ever sell my house. After many years of paying monthly via CCCS and the debt being sold on at least twice, if not three times, I am now contemplating selling my house. My question is this, if I now sell my house, will the solicitors just pay the charging order for the outstanding money to Direct Line regardless or will the fact that the debt has been sold on, now mean that they cannot pay it to Direct Line and nor can they give it to the company that bought the debt as the charging order is not in their name ?
  20. A few years ago I was self employed but not earning much so I was receiving housing benefits top-up. I decided to improve my prospects & enrolled in university for a degree. I applied for the full whack of student loans. As I was finishing my final year at uni I was interviewed for benefit fraud. My view at the time was, I was self employed if I want to go to uni and get a degree in my spare time that is my business, as I was paying the student loan back it is no different to me getting any other type of loan - apparently the law doesnt agree and a payment arrangement was set-up for me to repay the overpayment. I have been happily repaying the overpayment for well over a year now. So I was surprised when I received a court summons today about this very matter. I think I need legal advice now,can anyone help?
  21. I recently wrote of to akinika to settle a debt I have with them, I was a little cheeky and asked if they could reduce my debt by 70% (previous debt companies have done this with me in order to settle my account quickly ) instead of paying £212.21 I would pay £65, they sent me a letter back saying this is "not acceptable, however our client would accept £180.37" They have also asked for a breakdown of my income & expenditure which I have typed up for them, after I have paid everything out (rent, council tax, gas electric) I am left with £0 a month. I am currently a full time carer for a parent which I have stated in the letter so for now (due to being made redundant) I am not working and my income is all accounted for. What action can they take now ? I physically have no money to set up monthly payments to them, I am only able to pay the £65 as a family member is willing to pay this for me, but due to them being retired and on state pension they can not afford to give me £180. Can they take me to court ? If so, does the fact that I offered to make a settlement payment count in my favor ? How much should I have offered to pay them ? Any key information that I should add in my income & expenditure letter ? ** This account is for JD Williams for a catalog** Thank you
  22. Hi I'm in panic mode at the moment as my fortnightly housing benefit payment should of gone in the bank today (goes in for monday but can always see it saturday) I went down to my local council office about 4 weeks ago to take a load of recent payslips as they had totally miscalculated our payment and was over paying us by around £70 a week, so I wanted to get this re-calculated a.s.a.p so to prevent any problems. As of last week I hadn't heard anything back from them and have still been getting overpaid, so I called them to chase up what was going on but was just told "Oh this can take a few weeks" As of today I've still not heard anything but now it appears for some reason they've stopped my benefit, which on our low income and the fact we have 2 children whom get DLA, we are entitled to. I'm absolutely panicking because there's no one available at the council to speak to today, the rent is due and I have zero money. Surely even if there have been overpayments made, which aren't my fault as I've provided all details of our income whenever they've asked, they can't just stop payments without warning? What I'm really kicking myself about is I can't find the receipt the woman gave me the last time I took the payslips down to show I'd been, I suppose if it comes down to it I can insist they view CCTV footage to show I was down there!! Is there anyone available on weekends I can speak to about this?
  23. Hey guys, really was unsure if I was going to bother posting this, but here goes. I purchased a used iPhone 5 from a Game high street store last July 2013. It is obviously now out of the 1 year warranty they give you. I purchased the phone for the sum of £380 & I was sold the phone as "unlocked". I had been using the phone since July 13, initially with a "giffgaff" simcard (I believe is run on the o2 network, but for the past 4 months or so, I have used a "3" sim card in it. This week i decided to sell the phone & I selected "Erase all content and settings" on the phone prior to its sale. To save myself any hassle, I took the phone to a local highstreet store to sell, but they informed me the phone is locked to Vodafone. I can now confirm the phone will only activate with a Vodafone sim card & will now not accept my 3 sim I had been using in it for the previous 4 months. This has really annoyed me as I paid GAME a premium for an unlocked phone, which turns out to be locked to Vodafone after I had reset it back to factory before selling. I contacted my local game store (not where I purchased it) who were totally dismissive as it was outside the 12 months warranty. Manager didnt come near me but also wiped her hands clean. I phoned the GAME helpline in London & was told "well, youve been using a 3 sim card in it & it was unlocked when you bought it, so contact Apple,, its outside the 12 months warranty. Youve been using it for 14 months havent you?" This is the first time I have had cause to "erase all content and settings" which has bought this problem to light. Personally I belive I have been missold a phone by GAME, I cant belive how dismissive they have been. Should i just put this one down to experience, I don't want to as I feel ripped off, but I believe it will be extremely difficult to go anywhere with. Has anyone any thoughts?
  24. Sophie Jones, 19, lost her battle with cancer on Saturday morning - her family say it should never have happened The parents have set up a petition in order that other young girls are not let down as Sophie was - you can sign HERE
  25. Hi, I was not really sure where to post this and I'm in a bit of a flap so please forgive me and point me in the right direction if necessary. I sub-let a small workshop for my business and have been in there almost 18 months. The lease states a start date and then goes on goes to say it continues on a year to year basis until the tenant or landlord terminates. Today the landlord served me notice and wants me out by sept 14th the lease does have what I believe is called a break clause which is worded as this 10.Upon 1 months notice , the landlord may terminate the tenancy under this lease without cause or reason. It also offers this option to the tenant in section 11. I'd like to understand my rights as far as this goes 1 month is no time at all to find another place and shift my stuff, I'd like to stay if possible as I have spent quite a bit of money on the place. Just to clarify I have not breached any conditions and rent is up to date. Thanks.
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