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  1. Having lost a few registration marks to DVLA over the years. I wondered if anyone has ever lost a registration mark which made their car worthless as the DVLA did not affix another. This was a valuable classic car some years ago. I am also looking at the legal power of the DVLA. What they can and can't do legally. Thank you
  2. It's a few years since I was in trouble with debts, and on a much more even keel these days. Or to put it another way, all my previous woes have long since dropped off the bottom of my credit history (ie 6 years). Recently in applying for financial products (mainly mortgages), I noticed they ask the expected questions about bankruptcy, credit defaults and even simply making special arrangements with a creditor. So far so obvious. What bothered me was they ask if you have "ever" had/done any of these. To which my answer would be "not in the past 6 years" if I were being truthful, and I believe is the extent of their entitlement to information. But I really don't want to get into that, so I've just lied and said no. What bothers me is of course that I'm then signing a legal document which contains a lie, and that if I were to refuse to answer the question, I wouldn't get the mortgage. I wonder if they are allowed to ask that question in the first place, or if you can still be penalised for refusing to answer it fully?
  3. MOD launches biggest ever mental health awareness week with new confidential support for personnel on operations READ MORE HERE: https://www.gov.uk/government/news/mod-launches-biggest-ever-mental-health-awareness-week-with-new-confidential-support-for-personnel-on-operations
  4. First ever memorial to African and Caribbean Service Personnel unveiled in Brixton. READ MORE HERE: https://www.gov.uk/government/news/first-ever-memorial-to-african-and-caribbean-service-personnel-unveiled-in-brixton
  5. Those comedy golden days of on the buses, love thy neighbour and in sickness and in health..
  6. This Bank has given me no letters to say that I am overdrawn and ive had no defaults at all. I have only had good experiences with them on my basic account. bankers4me
  7. I am not going to name names. I just read of one MP who claimed a Large amount for tidying up their constituency home and garden. Then votes for a cut in ESA of 30.00 a week. I am neutral but feel free to have a look around at MPS expenses in your Town,City,Vllage,Hamlet. For whatever year you would like to see. Does it matter that much whether the woodwork has six coats of Chelsea Blue paint or Postbox Red or whatever coulour you like. Or whether the grass,flowers look like Chelsea flower show or a bowling green. And all the rest you can think about. Aggregated Annual Expenditure by MP In addition to publishing data on the individual claims for MPs every two months, we also publish a summary of all these claims once a year. We also include some additional information, such as the salaries of MPs and their connected parties and details of reward and recognition payments made to staff. From 2013-14 onwards, we are also publishing the maximum budgets available to each MP. The business costs MPs are entitled to claim are separated into different budgets: http://www.parliamentary-standards.org.uk/AnnualisedData.aspx
  8. Is something happening that we do not know about. Three people i know have said,one in Yorkshire and 2 in Lancashire who do not communicate with each other have heard strange unexplained noises from the sky. A loud humming,whining noise. Rumbling,not storms in the distance.Not tinnitus,going on for ages.A mixture of sounds. Are we chasing UFOS about perhaps.You cannot pinpoint it,it is everywhere it seems. I had better leave it there or else you may send the people with white coats to my house. Just wondering.
  9. Just heard a horse won the grand national. What ever next. Lol..
  10. 1. 123456 2. password 3. 12345678 4. qwerty 5. 12345 6. 123456789 7. football 8. 1234 9. 1234567 10. baseball 11. welcome 12. 1234567890 13. abc123 14. 111111 15. 1qaz2wsx 16. dragon 17. master 18. monkey 19. letmein 20. login 21. princess 22. qwertyuiop 23. solo 24. passw0rd 25. starwars If you recognize any of those passwords as one of yours – shame on you. Learn your lesson and change your password immediately. Passwords like these are effectively worthless. You might think you’re clever choosing a password like ‘1qaz2wsx’ (take a close look at your keyboard if you want to know where that one came from) or ‘starwars’ but it’s clear that plenty of people had the same idea as you. And don’t feel too smug if your password isn’t on this list. The fact is that hackers and password crackers have access to databases of *millions* of the most commonly used passwords – meaning that unless you have taken care creating your password, chances are that it won’t take an enormous effort to crack it. http://www.hotforsecurity.com/blog/these-are-the-25-worst-passwords-you-could-ever-choose-13286.html
  11. http://www.express.co.uk/news/uk/630389/Worst-parking-car-space-Range-Rover-driver?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+daily-express-uk-news+%28Daily+Express+%3A%3A+UK+Feed%29 The PPC managing the car park some how failed to prevent this inconsiderate parking with their ANPR cameras... *not my words.
  12. From: FBI HEADQUARTERS WASHINGTON DC (info@fbi.org) Sent: 20 November 2015 00:38:44 To: ANTI-TERRORIST AND MONETARY CRIMES DIVISION FBI HEADQUARTERS WASHINGTON DC FEDERAL BUREAU OF INVESTIGATION J.EDGAR HOOVER BUILDING 935 PENNSYLVANIA AVENUE, NW WASHINGTON, D.C. 20535-0001 THIS IS TO NOTIFY YOU THAT FUNDS VALUED AT USD10,500,000.00 HAVE BEEN TRANSFERRED INTO YOUR BANK ACCOUNT. THIS TRANSFER WAS STOPPED TODAY BY THE FEDERAL BUREAU OF INVESTIGATIONS (F.B.I) BECAUSE OUR VERIFICATION SHOWS THAT YOU DO NOT HAVE THE DIPLOMATIC IMMUNITY SEAL OF TRANSFER (DIST) TO SHOW THAT THIS FUNDS IS LEGIT AND RIGHTLY BELONGS TO YOU. YOU CAN OBTAIN THE DIST DOCUMENT AT A FEE OF USD650. REPLY TO THIS NOTICE SO WE CAN DIRECT YOU ACCORDINGLY WHERE YOU WILL PROCURE THIS LEGAL WIRING DOCUMENT TO FULLY AUTHORIZE THE CREDIT OF FUNDS IN YOUR MAIN BANK ACCOUNT. EMAIL: fbi.fund.alerts01@e-mail.ua YOURS FAITHFULLY, SPECIAL AGENT Andrew Castor, mail: andrew_castor@aol.com ON BEHALF OF THE FBI DIRECTOR
  13. Our worst car buying experience ever - horrendous! I cannot underestimate how shocked we were at how Bullitt Cars in North London refused to refund us our money when we rejected a faulty car. We bought a car for over £12,000 and the first time it rained it was clear that the roof was leaking. We returned the car to reject it as is our right under the Sales of Goods Act 1979 as it was not fit for purpose and they refused to refund us our money. They then drove and fixed the car without our permission and attempted to force us to pick the car up by charging us £30 a day storage. The police were contacted who notified them they were acting outside the law but they continued on with the same threat. They refused to tell us what work had been done on the car or who did the work. We even offered to sell it back at a loss but their counter offer was for us to lose over £1,000. When told we were going to inform other consumers about them they threatened to sue us for libel if we posted bad feedback unless it was done after we won a court case against them. We are shocked and appalled that a Bullitt Cars could act in this way and it is experiences like these that we feel make people wary of buying from dodgy car dealers.
  14. Good Morning All, My dad took out a couple of loans and credit cards in the early 1990s with TSB (Later part of Lloyds). He was advised at the time that he could not take out the products unless he also took out PPI. He did not need the PPI as at the time he had a very good job which had an excellent sick pay/redundancy policy. He recently tried to claim this PPI back through a claim company. The claim company were eventually sent a Data Subject Access Request showing basic details of the accounts my Dad held with the TSB. Lloyds (TSB) claim that my Dad did not have PPI on any of the loans or credit cards. He knows that he did but has no way of proving otherwise. The Loans and CCs were taken out so long ago he has no proof. The claim company have since sent him a letter along with a copy of the DSAR stating that they have rescinded their contract with him. My first question is this, where does my dad go from here. He knows he was mis-sold PPI but has no way of proving this. Secondly, If there is a way of proceeding and he was successful in his claim, can the Claim company demand any of this money from him? Thank you so very much to anyone that takes the time to respond to this post. My Dad and I will be most grateful for any advice.
  15. Step son now staying with us had to have mental health team intervention about 12 weeks ago claims to have had benefit forms filled in by MIND who he was referred to, and which he posted himself, had no acknowledgement of claim or anything from dwp. I unfortunately don't believe him ( I hope im wrong) but going on his past ie. going to job centre and refusing to go on courses hence no JSA. My question basically is do the DWP acknowledge claims and does it normally take this long for a claim to be considered when a "fitness to work" note is provided. Ive read a lot of the posts this am but not been able to find one which covers this guidance and help would be appreciated.
  16. Hi I'm desperate for some advice. Since 2010 my dad has took the finance out for me due to bad credit history. We've had 3 VW, 2 Toyotas and now a Honda. Toyota have financed the last 2 cars and the Honda we have now. We've always been upfront with the dealer. the 2 Toyotas came from the same dealer and we told them that I couldn't get finance so they asked if someone else could and my dad agreed and when we went for the Honda I to,d them as well and they also suggested I get someone so I did and my dad agreed again. Today I've found out it's illegal. I was talking to Toyota Finance due to a issue with the Honda and mentioned my dad had the finance and I drove the car and it was registered in my hisbands name and kept at our address. She said Toyota don't allow this..I told her the 2 dealers have never said a thing about it not being allowed. I've told my dad and he's shocked and said if it was fraud he'd never have agreed to finance the cars. What is likely to happen. We are looking to sell the car anyway but I'm worried they think my dad has committed fraud. It was the dealer who suggested it. Why would they do this if it was fraud.
  17. So essentially, I'm just going to provide a little bit of background information and then I'll get to the question at hand. I'm a University graduate with a 2:1 honors degree in Web Systems and Development (i.e. A Web Developer). I finished University in 2013, I worked up until July 2014 and have been out of work since that time, I have had freelance jobs here and there to help me along the way, but essentially, I have been out of full-time employment since July 2014. Without trying to toot my own horn here, I'm portraying this across to simply imply, I have a lot of qualifications and I have a fair amount of job experience, I have worked with over 5 individual clients, had jobs with 3 different people (from July 2013 - July 2014), so it's not as if I'm in short supply there either. So to get onto the actual topic. I've been on JSA since July 2014, but recently when I went to sign on, one of the advisors there informed me that because I had been on JSA for 12-months, I am now being transferred to "The Work Programme", she didn't tell me much about it, nor did the person who I had my interview regarding the appointment to set-up TWP interview. The sad thing that I happen to see reoccurring all the time is that, The Work Programme is a pile of crap, essentially. I have read no good stories about TWP, no advantageous results of being on TWP, it just seems like it is a gigantic waste of my time and it's going to be more hassle than it's worth. So I guess my question is this, typically what does TWP entail? Has there been any benefits of being on TWP and as someone with a heavy Computing background, will that help me with TWP. I've read that despite your qualifications, you are usually thrown into retail work (shops or whatever) just stacking shelves for 2-4 weeks, you then have a 2 week gap and then you're back on the next job, rinse and repeat until you eventually get a job out of it. I just don't really see how I or anyone else currently on this programme can take it seriously knowing that you're going to be in a place surrounded by other full time employees knowing that they are getting paid minimum wage while you're there working for close to £1.2 p/h? It just doesn't make sense to me. If anyone could fill me in, help me understand this a little bit more, that would be great.
  18. Cut finances and resources to the NHS, create a backlog of patients, then get a private company to clear the backlog.... Private company then looks to be the solution and way forward for the NHS! Interestingly, some of the private companies who are taking NHS work have already been criticised by the Care Quality Commission. Further reading here: http://www.theguardian.com/society/2015/mar/12/nhs-agrees-largest-ever-privatisation-deal-to-tackle-backlog?CMP=share_btn_fb The NHS should never ever be privatised.
  19. [ATTACH]56320[/ATTACH] Response received today to my second complaint regarding unlawful data processing. First complaint completely ignored! Vodaphone must like court claims
  20. Ofgem has ordered Spark Energy to pay £250,000 to Citizens Advice for 14 breaches of relevant conditions and requirements. These include: Refusing to allow customers to switch. Switching other customers without their knowledge Billing errors Failing to refund customers in credit Failing to notify customers of increases failure to provide accurate direct debit calculations. failure to deal with complaints properly Spark Energy are so bad they make Npower look almost professional http://www.bbc.co.uk/news/uk-scotland-scotland-business-31490466 Notice of Intention to Impose a Financial Penalty on Spark Energy 16 February 2015
  21. UK: Grieving Family Face Horror of Exhuming Their Grandfather After Muslim Family Complains About Relative Being Buried Next to Non-Believer http://no1forum.co.uk/showthread.php?707-Racism-is-rife-and-native-Britain’s-are-biggest-victims&p=1302#post1302
  22. This bunch [removed] have been taking £18.50 a month from my Octogenarian relatives for a number of years and carrying out services to the boiler. No one else has touched the boiler, this time round (last week) an Engineer decided to cut the supply off as there was a wing nut missing on the case and a seal was broken (which they must have done) My relatives have now been without heating and hot water for 5 days and despite numerous calls to their non helpful customer help line, no one has turned up. They are totally unhelpful, do not call back within the timescales they set and have no concerns for the safety of their elderly customers. All in all, this company are the very worst I have ever dealt with (and I've been in the building industry for 40 years) I know a thing or two about dreadful companies and bad service - Beware - do not expect any help at any time from this lot of rubbish.
  23. I just come across this mail address in my means off leaving how am filling with this so called AA REPAIR WARRANTY which is just taken money from people and when there is a propblem with their car you tell them to clear off. I have the AA repair warranty with the aboved car. my car is in prtfect condition untill recently it developed a problem with the first gear. i called tghe AA patrol team who come to see the car and advice i take it to my local VAT garage. car was sent to KENS AUTOS in croydon since few month ago they replace the clutch of this same car and it still under warranty. upon they investigating the problem with car, they said it was the flywheel so it must be change. job was carried and they phone the AA to inform them. the AA promised sending a technician to inspect the damage flywheel. the said technician visited the garage on the agreed date and sent a repot to the AA that the problem with the flywheel has been there for ages and this the information received from the garage. upon such information sent to the AA they refused to pay my claim. i have been to kens autos in croydon to ask them about this case and they said no information of such types was given to the technician when he come around their garage. CCTV evidence was shown to proof that no such communication took place there so meaning the technician has lied or given false information about my car to the AA hence refusing my claim. the garage confirmed that no such problem was with the car when they were changing the clutch. it it was they would have done both together avoiding further cos to me the technician is from a company called ACE. i wrote to them about what their technician has done. they then wrote to the AA to find out but was told to stop given me information or responding to me. this means it deliberately thing the AA is doing. I have been in touch with a team member by nae NASH and ADOM who told me they still stand by their wards and wont change anything. My next step is the court and i have already assigned the case to a solicitor because i see it as a total rip off from a company like the AA. WHY IS THE AA RIPPING OFF PEOPLE . WHY WHY WHY NEVER BUY AA CAR REPAIR WARRANTY
  24. Hi, Last year, after years of sorting out various financial messes, my credit rating was finally repaired. A couple of days ago, I logged into my credit report to see all of the fixing completely undone and a default from British Gas, from an old address in 2009, had appeared. This is the first time this mark/account has appeared on my file. The address is an old rented flat - after digging through my old correspondence, It appears I left the flat, notified them, paid up the final bill (letting agent wouldn't allow the deposit back if I didn't prove this) and then they tried to charge me for the period between vacating and a new tenant taking over because it's scientifically proven BG can't get anything right. Further digging shows Buchanan, Clarke & Wells sending me threatening letters for a gas bill a few months after vacating (Nov '09). I challenged their letter, because I didn't owe the money and they wrote to me and said no further action would be pursued. Sadly the only record I have is my own letter and memory of their response. Now it transpires the 'debt' - which covers when i had left the property, told the imbeciles at BG AND paid up my final bill/reading - has resurfaced five years later on my credit report out of nowhere, just a few months before I plan on buying a house (of course ). Where do I start to try and sort this mess out?
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