Hi guys, So this case was a bit awkward. Actually it happened today (Saturday) around 8:30am when I was unloading my van between 2 signs with different restrictions which makes me a bit confused. 1 Sign had written "No loading Mon - Fri Xam - Xpm" and the other one had written "No loading Saturday 8am - 10pm" and throughout the footpath I had the single yellow line with the vertical single yellow line. Do I have any ground to appeal in this case? As I was in the middle (between) of this 2 different signs Thanks in advance!

I have been trying to get this matter dealt with since 2010 but NatWest have either ignored every complaint lodged by me regarding this matter until lodged last complaint bout this in October 2013 now they have either provided me with different bank reference number relating to the same case or it gets assigned to new NatWest Investigator at different location - since October case assigned to 8 different Investigators located at London, Kent, Leicester then back to Kent with no sign of them actually trying to sort this matter out. The matter in question is after finally receiving requested Bank statements I noticed that some of the Bank Statements had different times or even dates logged for monies Deposited by me were not the same as the original Money Deposit Bank paying in slips. Even more annoying was the fact that most of these incorrect transactions by NatWest were either around times they were due to take their monthly payment out or some other direct debit that would then put me over my agreed overdraft limit hence NATWEST would then take additional charges because of the same. I've provided NatWest with several copies of evidence including copies of paying in slips as well as listing all the other discrepancies NatWest carried out in my Account. As NatWest neither contacted me or in my opinion even looked into this matter as there is a lot of documentation etc related to this matter so I emailed the top man via information I found on ur website. I received an immediate reply followed by a letter advising they had taken on the case and had passed it to a case manager called who then wrote to me saying he was investigating this and would get back to me with answers within next 10 days. As NatWest have to date tried to fob me off or convince me that evidence I've provided doesn't relate to my Account or that they were illegible I was hoping some kind person could tell me what I should do if it's rejected hoping to avoid FOS as need this sorted asap as struggling financially- though can't see how it could be rejected based on evidence I have. Finally I was asked by one of the more recent NatWest Investigator' s what amount would I deem as being acceptable to resolve this matter which I don't nor do I know how to go about working out the same. I know to add on monies incurred by me in this matter but that's it. Would be very grateful if someone could give me an idea of amount I should give them or how I work out the amount

Hello! I've recently been HOUNDED for £412 from a company called portfolio recovery associates every day for the last couple of months. They leave a voicemail (pre recorded) when I'm out and when I answer it's a robotic voice saying they would like to speak to me, then it connects to an operator....I thought this was illegal?! Anyway I contested the debt as there's no way I owe £412 to anyone and demanded for them to send me a credit agreement. They sent one, and it says I borrowed £80 from Wonga a while back. The woman on the phone said it's gone up to £412 due to added fees...there is no mention of this in the "credit agreement" only the £80 that was apparently originally borrowed. So my question is this....would I legally have to pay the £412 even though I have no proof that this is the amount Wonga require as there's no mention of this amount?! I mean, PRA could have changed the figures themselves couldn't they? And it's a 3 year old debt...have they stalled the default due to them maybe not having correct proof? And what makes a credit agreement a credit agreement? Thanks for your help typed this on my phone and probably doesn't make a lot of sense! Thank you

Hi all, Now I know you've had this a million times before but i'm getting confused about where to actually start first. I have 3 debts which i'm looking to try and get rectified as in the future, i'd like to get a mortgage and the like, however at the minute there are a few debts first which I need to try and get resolved. There is also a CCJ in this which has been on my file for a while now but it is just sitting as active and has done for a while, however i've just left this as it seems to run out in a year or so? Namely: Creation consumer finance (Richer Sounds) Capquest (SCS) Lowell (Burtons)? Lowell being the most aggressive with threatening letters (which i've read just seem to be standard scare tactics for them) currently I can spare about £200 maybe a bit more to try and negotiate a full and final settlement with them first? Would this be advisable? I'll list what I have below, editing out some things (name etc) Creation Consumer Finance Ltd Account type: Credit Sale Account status: Default Date last updated: 01/09/2013 Account opened: 21/04/2007 Account opening balance: £788 Regular Payment Amount: £29 Repayment frequency: Monthly Default date: 28/02/2011 Original default balance: £788 CapQuest Investments Ltd Account type: Bank Account status: Default Date last updated: 03/10/2013 Account opened: 01/02/2007 Account opening balance: £932 Repayment frequency: Monthly Default date: 30/11/2009 Original default balance: £932 Lowell Account type: Credit Card Account status: Default Date last updated: 16/09/2013 Account opened: 06/01/2007 Account opening balance: £408 Repayment frequency: Monthly Default date: 29/12/2008 Original default balance: £408 CCJ Amount: £510 Judgment date: 02/02/2009 Court: NORTHAMPTON Status: ActiveI unfortunately have no previous letters from these as in my naivety I threw them away, I do have a recent one from Capquest however which has said they will send a doorstep agent within 10 days but this was over 2 weeks ago. In the past I think Lowells have sent a letter offering a discount. What is the best way of going about all of this? I've read about CCAs/SRAs/Full and Final and the like but i'm confused as to where to start it all. If there's any further information I can provide please don't hesititate to ask, after all, you're doing me a big favour! Thanks in advance. Paul In addition: I have contacted none of these companies nor responded to any of their calls/letters yet it still says the last updated date was recent?

I had a Money Claim issued to me from a previous creditor to my parent’s address where I don't actually live myself, as I did not respond to the claim within 28 days it has now turned into a CCJ. I have now received a letter to a property 4 weeks later which I own stating that they have made an application to the court for a charging order on this property; however the address is not the address where the CCJ has been issued and there is no clear link or evidence to even suggest this property is even linked to my parents where the original CCJ was issued. “Application For Charging Order” is the first piece of correspondence I have received at this address. Without going to much into the original debt at this stage which I don’t even acknowledge as being a debt, is it possible for them to get a charging order on a property or address which was not where the original CCJ was issued. Please can someone advise me on this? Thank you

Just to put things in a different perspective. I could not have any complaints with ATOS. I was at the near recovery point after an injury and they did have the courtesy of having a proper Doctor to examine under the new DWP rules. He did his job in a very courteous manner and I did all the required tests and one extra (blood pressure) which I mentioned on my form. I passed with zero points (as expected). If they did better tests (nerve conduction studies) they could have upped the points total a bit. So I was pronounced fit for work (=JSA) within three months. The tests do not cover head injuries which are one of the hidden injuries, but no matter as this means on the ATOS pass I do not have put Disability on a Job Application form. Then there was the matter of negotiating my reduced capacities with the Job Centre to still qualify for JSA. Doctor would not sign a "Fit for Work" certificate though. It does not mean I do not have empathy with people who think they have had a raw deal. I got all the pertinent information down on the form (I think this is rather important). In practical terms, there is a bit of problem trying to explain away the gap through illness on Application Forms. This requires a bit of creative writing. And in the final guess it is DWP who make the decision from the information they have got, so make sure they have it all written out clearly. I saw it all coming and I am glad I did not make an appeal, so it is not the only route to follow. I feel much better psychologically not putting Disability down on job forms. I won't be working machinery though. My reduced capacities would not allow this. Or humping pallets around. There is a snag with the WP and their mandates though. They are a bit punitive and not helpful. Still get relapses, but it is a hidden injury, so how can anybody tell? So in case somebody is the same position, take one thing at a time. But then I am feeling optimistic. There is a bit of a problem though. I do know not how I would pass a medical if I do get a job. I think the standard tests will show up an anomaly. So I can't really mention it. It has happened before.

hi hope this in the correct thread worked for same employer for 15 years this year we have received different pay awards. we all have the same grade roles and responsibility's in our contract of employment. nowhere does it mention that as a company annual pay awards can be affected by for example attendance/performance/ability do you think/know that this is discriminatory or just morally wrong

Hi all having checked my credit file i saw 2 defaults on call credit from a payday loan company then when i checked experian.... 2 defaults from the same company but for different amounts and with a much later default date. now i asked for a copy of the original credit agreement, statement of accounts and original default notices in late june 2013, so far they have only sent me the default notices. they were sent in april 2011 and march 2011. ok so on my callcredit file they are showing as : 1.defaulted 27/8/2011 opening balance £258, default balance £159. shown as zero,satisfied and closed ( but still defaulted) and 2.then defaulted 27/7/11 opening balance £303, default balance £159 shown as zero now, satisfied and closed ( but still defaulted) BUT on my experian file they are as follows: ( the start dates are the same in all cases so its defiantly for the same accounts) 1. defaulted 17/11/2012, amount £259 2. Defaulted 17/11/2012, amount £306 what the actual hell is going on? lol.

I've got a slight dilemma! A mama fox decided to den in "what was" my garden until the landlady decided to plough it flat. Until recently I didn't know there were foxes burrowed under one of the bushes. It's been a few weeks and I dunno what to do with them.. http://tinypic.com/r/2hd2wwp/5 http://Http://tinypic.com/r/32zq72s/5 http://tinypic.com/r/2i9nnrc/5 http://tinypic.com/r/2nkjc03/5 lol you can't help but love em But I really don';t know what to do with it! my brother-in-law is a vet and advised me to call RSPCE (which told me to drop it off in the park to fend for itself). I'm sorry, but I'm not a vet, but I am big and ugly enough to know that these little tikes 3won't get anywhere in the real world at this age without a mother.. I've called the police to let them know that I've taken some wildlife in (which they are ok with), called the council 'Parks and Recreations' department and they are ok with it. I was warned however that I can't have them as pets, which I understand.. So where do I start? I do realise they need to be dehumanised (as they met me) and need to go back into the wild. So who will take it?

Hi all hoping to get some advise, hope I am in right place. I had applied for DLA in 2011 because my mental health condition was getting worse and I was struggling to be mobile around the house. I also now suffer from agoraphobia. I had an appeal in February this year and failed it the woman was a right cow and gave the impression that I was lying to her, because I contradicted my walking distance, I can't remember what I did this morning never mind over a year ago. Anyway I requested a statement of reasons, I am glad I did because there in black and white was a number of matters that would have come under the 3rd tier on a matter of law. I wrote to the tribunal place to request that it went further on a matter of law. They wrote back with further matters of law but instead of going to the upper tier a new appeal would be heard as soon as possible. I had a letter last week giving me a date, 1st July, quickest one I have ever had. I need advise on how to manage this appeal, if they know I requested upper tier and they know the 'legal' woman would this be held against me. My condition is getting worse and will never get better and according to my psychiatrist it is getting worse faster than he expected. Sorry for drawing this out but I need help (CAB and welfare rights are taking no new appeals on)

I have today received a standard parking charge notice from parkingeye. And they're right. I did park in their car park, and I didn't pay - because I couldn't make the machines work. Nowhere did they tell me how much money I had to pay, in fact one didn't even register my number when I punched it in. This was on Bank Holiday Monday April 1st. I could find no place to obtain help and the kiosk by the exit was empty. As was the car park, almost. When I got home I emailed the Meridian Shopping Centre in Havant, who's sign was on the car park and said that if charges applied to contact me and I'd pay (still have it of course). Nothing. In looking around I can find nowhere in the legislation that says a consumer is entitled to be told how much they have to pay. To all intents and purposes the machines appeared to be switched off, and all the instructions said was "insert required money". I intend to appeal because I do owe them money, but this parking payment notice was the first time they'd told me how much. No help, no people to ask. I had no choice.

Hi, this is a complicated one but I will try to keep it brief! I had been working for company X for 3 years when company Y took over management of the site. I was told at the time that I had to TUPE over to company Y or I would effectively be making myself redundant as there was no longer a job for me with company X. I was also told that it was company Y’s policy to employ people at my level (admin support) through a contracting company (company Z). Now, this all went ok until recently. During the 2 years I have been working for the contracting company the original company I worked for took on a part time admin position. Now, company Y are taking over all staff from company X on a direct contract of employment (including the part time admin position) rather than through the contracting company I work for. Now, my question is: Can company Y employ the admin position directly even though the TUPE arrangements and job are exactly the same as mine rather than through the contracting company like people of my position are. I have asked the question of company Y as how this can be. They have responded that the work brought over by the other admin position is “different”. However, I was recently asked in a team meeting what work of mine I could hand over to this position. I have been asking for a direct contract of employment for 2 years, and now someone who does exactly the same tasks as me is being taken on directly, it doesn’t seem fair or right. Any help anyone can give will be gratefully received!

I have been paying a loan for over two years. The bank did not send me a statement at that time. Since then they have sold on the loan to a third party. At time of selling on they put an additional charge on the account - due to a change of interest. The third party appear to be charging a higher interest rate than was originally indicated on the loan. Any ideas what I can do about this.

I have noticed that up to now the general advice for a ticket from any of these is to ignore and since last October not much has changed apart from the provision of an appeals process via POPLA - although any decision made is not binding on the motorist. If however eeveryone challenged their tickets - I accept what we see here is the minority - with the insistence of taking it to POPLA. let us examine a few scenarios. 1 - lets say 300 people write in and appeal to the PPC's better nature and are all turned down, The cost to the PPC at this stage is the cost of stationery and postage - cost say £150, but also how long will tie themup to keep answering. 2 - each appeal to the PPC is then taken to POPLA - cost £27 - £8100 in total, which they have to pay on a 30 day notice. 3 - the next month follows a similar pattern with no guarantee folks are going to pay Multiply this by say 6 or 7 PPC's and it wouldn't takelong to clog the system up, we already know the PPC's are not the most colourful page in the book and some do not have the staff or resources to keep this up. For me the vote would go to write in rather than ignore from the start, play them at their own game.

Hi Guys, I hope someone can help. I will be as clear as I can - the long and short of it is that I appealed a parking ticket as I was unaware that I had one until the baliffs came calling. All paperwork was sent to my old address so I did not get the opportunity to sort it out. The council dont want to know and I had a hearing at my local court to which they threw my appeal out. The baliffs are demanding £497 (for a £25 ticket) - I have written a letter to the baliff company as advised on one of the forums and stated that guidelines state that where the baliffs are dealing with a vunerable household (ie me) - they should refer it back to the council. I am currently not working as I have been made redundant (and having worked the last 20 years of my life solidly) - and am claiming income support for the first time in my life. I have now received a letter back from the baliff company stating that 'simply benig unemployed and in receipt of income support does not necessarily mean that you are a vunerable person in respect of enforcement action.' The letter goes on that the NSEA is not a legal binding instrument but guidance only. They are therefore going to continue enforcement action. I honestly cannot afford to pay them - the only real asset I have is my car and since we live 11 miles from school and essentially in the middle of nowhere I need trasnsport. there are no buses or trains here and I have three children. I am really worried now and would appreciate anyones help. Thanks so much.

Perhaps those more versed in law can decide on the legal aspects of the following question; A retailer advertises in the local rag making an offer, you then accept the offer by visiting the store and purchasing goods. I assume at that point that there is a contract in place as an offer was made and then accepted. The retailer has not attached any terms and conditions relating to parking on their private land. I would assume that the retailer is now the principle in the agreement or contract. However while parked on their land you are issued with a "ticket" by the PPC monitoring the parking area for the retailer because you overstayed by 20 minutes while concluding the contract. On entering the parking area although there are numerous signs at the entrance to parking area, you did not read the signs as nothing was mentioned in the offer about parking conditions. By the way how many reasonable people stop and read these signs fully? As you never read the sign technically you have not agreed to any contract or terms and conditions. Also the PPC is a sub-contractor to the retailer who made the offer and is not a principle in the original contract therefore I would assume that the first contract would over ride the second contract. Would you be able to use any of the above as part of a defence in case involving parking on private land?

I don't know for sure if this is going to happen I just over heard a dept team leader mention while some one joked and asked why there is a 47" flatscreen tv in the office where we work. His answer is that it's going to be used to monitor workers. Again he could of been joking but what are my rightsaccording to this? I know cameras can be used to monitor people by the management(even the toilets) but surely granting access to this information to every one who walk pass the office to get the next bit of work or just going through? Anyone know if this is legal?

I want to buy a car for my daughter's partner to keep and use and make it clear that I retain ownership. They live elsewhere so he needs to be the registered keeper and the insurance be in his name. I know 'the registered keeper is not necessarily the owner' but how do I go about making the distinction clear?

Hi all, This is my first post so please bare with me. Had a visit on monday from a rossenadales bailif at my business adress which is a limited company, the ccj was issued to myself at my home adress and relates to a debt when i was a sole trader prior to starting my above limited company. Rossendales have not caught me in at home and have traced me to my new business adress, and have now put my ltd company adress onto their paperwork, but i have had no notification of this from the court. Can they do this???? Thanks all for your help

Hi Guys, Need help from you experts I have a property on buy to let. I sent the payment to the management company (who maintains the block of flats) by cheque. Unfortunately the cheque was not properly filled. The company sent the cheque to my old address and reminders as well and subsequently filed for CCJ but I got none of the letters as I had moved to new address. I believe that I had told the management company of my move but dont have any proof but I had also seeked their permission to let the property and that permission had my new address recorded on it. Now I have paid the company when I got to know about it. But I also discovered CCJ when I saw it on my credit report yesterday. The company is asking me for further charges (legal cost etc totalling around 400 quids and I am contesting it. Please advice what can be done to get the CCJ removed from my credit report as this is going to adversely impact my credit rating. I have spoken to the management company and they said that I can apply for CCJ to be set aside. Is it possible for them to cancel it altogether or can you please suggest a better way to deal with it.

Hi all. I'll try and write this out logically to make it easy to understand I moved house last month. I have just got a credit report from Equifax, shows me as at my previous address and contains all my current agreements, passed defaults and past addresses. I have also just got a credit report from Experian (credit expert). They show me as at my previous-previous address and a fantastic credit score, only showing an old mortgage, mobile phone and Halifax bank account, all in great green condition until closed years ago (the latter still monthly green though in reality its dormant). These 3 accounts are shown on the Equifax report mixed in with the rest. I have told experian my new addres, not mentioning my recent previous address (where all my bad debt is registered to). Experian don't even have me on the electoral register at this address, even though Equifax can see I've been on it for 3 years! All defaults are 3 years with no activity. Although one bank account has been showing as 6 payments missed every month for the last 3 years instead of defaulting! All but one default are all Barclays overdrafts (7) which they suddenly demanded instant repayment after seeing I'd switched bank accounts, can't they be combined? I don't know what to do for the best. Merging them seems correct, but I'm desperate for a clean credit file so I can put my adult life in order. All the recent things I've done are showing up on Equifax, but according to Experian I've done nothing in 4 years. The only place my bad address shows up with Experian is where stupid Lowel do a search (18 of them in the last 6 months!!) and a linked address to the mortgage, despite this being cleared before I lived at any of these addresses. Can I become the Experian person and pick up where I left of 3 years ago? Why is nothing from my previous address showing up there, when Equifax have got it all? Which one are the credit companies using? I can't even get a proper bank account because of my credit. Just have a £150 limit Vanquis. Should I give Halifax (who are showing on Experian) my new current address and start using that, or will that tie me all together as Equifax know about Halifax. What to do.... Any advice? Thanks

I just thought the forum regulars could use a little cheering up

As already reported in the media over the past couple of weeks a lot of ASDA stores have already got Santa's grotto in place ready for Xmas & have been selling Xmas lines for ages. SWMBO has just come in from work and told me that they are now expecting their delivery of the Easter eggs on Boxing day. She was also given her 'Xmas stocking' from work which contained party packs, nuts etc.

Hi all! just over a year ago I was using quick quid and wonga, never took huge amounts and paid back on time then a few things came up and I was desperate for money and took out two big loans from both (not on the same date but within a short space of time) I couldn't afford to pay them back and ignored them and hoped it would go away... yeah I know! I don't have any of the original letters as had a massive clear out and must have thrown them out. wonga has passed the debt on to Mackenzie hall and I now owe them £750.37 and Quick quid have passed the debt on to Mercantile Recovery Solutions of £594.75 (the original loan was £450) I received a letter from mac hall the other day but to the life of me I can't find it anywhere, I remember it saying if I paid by a certain date I would only have to pay a percentage, gave a later date and a percentage (higher) and another late with a higher percentage to be paid back (all lower than the full amount) Today I received a letter from Merc recovery saying this... FORMAL NOTICE OF LITIGATION AS REGULATED BY THE CONSUMER CREDIT ACT (2006) Dear (my name), We have previously written to you to inform you that we, Mercantile Recovery Solutions Ltd., have purchased the above debt and as such are now the legal owners and beneficiaries of the sum outstanding. Despite attempting to contact you using all means available to us, including all the information provided in your credit application we have, to date, been unable to reach an amicable solution of repayment with you. We must now make it clear that we are in the process of instructing our solicitors to issue a claim against you in your local court. We are fully confident that such claim will be successful as we are unaware of any legitimate legal reason for non-payment of the debt and again we should make our intentions clear that upon successful award of the claim we will look to enforce the debt by way of an earnings arrestment. As part of your application process you provided your bank account number, sort code, pay date and employer details – all of this information will be utilised to seek immediate repayment of the sum outstanding. Please be aware that your employer will be notified of this order if necessary. Whilst we do not wish to burden you with further costs, (all legally recoverable fees will be added to your outstanding balance) your lack of cooperation thus far leaves us with no viable alternative. Should you wish to avoid this course of action we would recommend you contact our pre-litigation collections department on 01563 546 371 before noon the 25th September 2012. Failure to respond to this notice will only lead to immediate court action being undertaken. Yours sincerely, Mark Sanderson (operations manager) So this letter has freaked me out as I'm guessing they are in the middle of sorting out court proceedings. Also the whole contacting my employers, I have read that their not allowed to do this. I 'm actually leaving my current job this Friday so I know they wont get a response from them but obviously I'm concerned they might be able to find out who my new employers are and then contact them. I want to try to clear these debts, I don't want to make contact via the phone so I'd like to write to them (making up some excuse as to why I've ignored everyone) and offer a payment plan to them. I can afford a max of £125 a month between the two. I also don't want to make it through my bank as I've changed banks and don't want them to get those details and would also like to tell them not to call me any more (as I'm bombarded with calls all day long 7 days a week) I'm looking for some advice, suggestions on what to write (I'm not very good at wording things) a nd also what my rights are in regards to charges. Can I ask them to put a stop to the charges? Also Just checked my junk emails and received a email from merc recovery at the end of august s aying they want to resolve this issue and as a good will gesture are willing to to offer a substantial reduction in the amount I owe, so can I bring that up in the letter and also with the mac hall letter that I've misplace about the reduce in money owed. Appologies on this being so long but I'm freaked out by this last letter, I'm planning on moving out in around 6 months so would like to get this sorted or on the path of getting sorted. I really do need help so any advice or assistance would be gratefully received.

Hello, I have recently moved out of a joint tenancy rental property and, after pushing through several attempts to dissuade me I was able to be present for the check out inventory check conducted by the letting agent. Two weeks prior to the end of the tenancy I went down to the letting agent and asked for a copy of the inventory they had on record, as they had been several months late in getting an up to date inventory done so I wanted to confirm that we were all working off the same copy. However, during the check out I managed to get a look at the inventory being used and it was completely different (though admittedly better, the inventory they provided was not only late it was minimal at best), to the extent that it had actually been done by a different company to the one I had been given. Having checked with my other house mates none of them recall seeing or signing a new inventory, so, though I haven't gone to them about it yet, I am fairly certain there is no tenants signature on the inventory they were using. My question is how will this affect our deposit? As it seems unreasonable for them to give us one inventory to bring the property in line with, and then deduct money based on an entirely different inventory that we haven't even seen! As a side note I would also like to get an opinion on wording. During the check out the main disagreement I had with what was being noted down was that the walls in the bedrooms had bluetack marks. While this is indeed true, they had been there when we moved in and in none of the bedrooms did we make them any worse. On the copy of the inventory that I had, we had added comments to each room to say that the walls were 'marked'. Firstly the man doing the check out tried to claim that the walls had been painted before we moved in, which is quite clearly not the case, and then went on to say that even if they hadn't been that because we had put 'marks' and not 'bluetack marks' that the letting agent would still be able to charge us. Once again, this does not seem right to me? Any in put would be appreciated, and I should point out that I haven't actually heard from the letting agent yet as to what, if anything, they intend to deduct (despite the check out being three weeks ago), but I am intending to chase them up soon and I don't trust them as far as I can throw them, so I am hoping to confirm the things I feel suspicious of so that I am fully equipped to deal with them. Many thanks!