Hello I wonder if you can advise me. My son has had a loan from Money barn. He picked the car up and its been one problem after another with the car. He has phoned moneybarn to tell them, and they say they have opened a case but he should take it up with the garage. It is 14 days on Wednesday so does he still have time to cancel the loan and if he does should he send an email as well as phone them, he wouldnt have time to send a letter would he? Thank you for any help you can give.

Post-Monarch review finds too many passengers flying unprotected READ MORE HERE: https://www.gov.uk/government/news/post-monarch-review-finds-too-many-passengers-flying-unprotected

Hi Peeps Slowly making my way through Payplan DMP..aiming to obliterate them all at last. Lloyds Current Account O/D £900.00dr sorry been paying them £1 month recently payplan. 10 year old debt - fallen of CRF. obviously being fleeced as debt not really gone down. What letter do I send to Akinika ? unsure of this one as current account. Thanks Peeps

Hey, im hoping to get some advice on a debt that just won't go away. It started when I got a contract phone from 3 uk and the phone didn't work properly. I asked for a replacement but they said they could only repair so it went off for repair for a week and I got stuck with one of there lender brick phones. Then I got it back but it still had the same problem so again it went for repair and I got the brick lender phone again. Week later I got it back and still was broken, so i went in saying replace this or I'm ending the contract. They offered to send it away again I refused and took all add ons off the contract but they wouldn't let me stop the contract itself so i told them to stick the contract and left. That was about 2010 when I cancelled and refuse any more contact with them. Not long after lowell bought the debt and hassled me every week or 2 with colourful letters for years. I refused to have any contact with them at all. After years the letters got less and less until they stopped. Last letter I think was 5 years ago and they went quiet. A couple of weeks ago I got a very polite email from bw legal on behalf of lowell asking how they can help me settle the debt with lowell. I instantly sent back a statute barred reply because the debt was so old. I got a reply from them saying lowell took it to court in 2014 so not statute barred. I received no court judgement sent to my address. Now they are politely asking me to fill in a means form or do it online but i dont want to do anything to reactivate this debt for even longer. Can anyone give any advice I just refuse to pay on principle if anything.

Hello everyone, I work 3 days a week and my manager has advised me that I've taken too many holidays even though she authorised every single one I took and I requested my holidays according to the number of available days left on our holiday spreadsheet. I think there's been a mix up, because the number of holidays taken are under the number of days off they said I'd be entitled to in the interview. Obviously, I understand that's not set in stone and I will verify again the number of holidays I was due to have. I just wanted to get some advice on here so I am prepared. They want me to work an extra day a week to make up the time, which is stressing me out. I care for my mother on my days off and I have no outside help. I struggle to get everything done on those days off as it is. I'm constantly sleep deprived and stressed. In fact, it's triggered my IBS and I've been signed off work this week. Do I really have to make up the time as soon as possible? Thank you kindly for any advice.

Hi i need help. I applied to take my employer (major big employer) to employment tribunal. Their 28 days to respond was up today. I rang the tribunal centre before they shut at 5pm and they said to their knowledge they had not recieved anything from the respondent. They said it was possible if theyd only sent it this afternoon they might not have picked it up so check next week. If they have not responded they can apply to extend the deadline? In what circumstances can they extend it? Ive read that they dont even have to say why they did not respond? I dont know if they are just trying to drag it out but it doesnt make sense that they wouldnt fight it. Its a massive case, im representing myself and im going to prove they are guilty but if they werent able to have a say it would make it easier

Hi all. I am in the process of moving my mum from the awful Talktalk to a company more reliable and trustworthy. However, it has come to my attention that Talktalk have been taking not one but THREE payments a month from her account. What's more, it looks like this may have been going on since 2013! Things are not making much sense to me I need to dig a little what I know so far is this... There are two amounts being taken for Talktalk and one for Talktalk mobile. She does not have a Talktalk mobile and certainly only one phone/internet line. I recall seeing a paper bill earlier this year which was for over £60, yet when I logged into her online account it's showed every bill at the same amount, £40.45. Almost every month she receives messages warning that she has almost used all of her allowance and has even been cut off a few times, yet online it says her allowance is £250 a month and NONE of it has been used. I checked at least five or six bills and they all said the same. On her bank statement the two main direct debits were started at the same time, have the same ID but a different account number. I also know there is no way she makes enough calls to use up even a fraction of that allowance. It seems like they are sending paper bills for one account whilst the other is handled online and something is very wrong. I won't be able to do anything until Monday when I will take her to the bank to see what transaction information they hold. I will also be looking to find as many bills and bank statements as I can to see how far back this goes. I estimate that Talktalk may possibly have robbed my mother of at least a couple of thousand pounds and I want to do all I can to get that back for her. The down side is, of course, I'm amateur at best when it comes to law which is why I'm posting here. If anyone can tell me what to do or where to go once I have this information it would be most helpful. My mum is a widowed, disabled pensioner who has mental health problems that affect her memory and concentration and in my opinion they have completely taken advantage of her, even upgrading her to the more expensive fibre - she has no need for this, she doesn't even know what it is!! I have had experience of their customer "service" myself in the past so if there's a way I can avoid going down that route I'll take it. I'll check back here over the weekend as I am busy tomorrow, for now I just need to gather advice to use after Monday. Thanks guys.

Hi, how many fines are there for being stopped in an untaxed vehicle ? paid one this morning - a penalty for failure to tax £59.17 , went out and arrived home to find another one from dvla enforcement centre for £89.00 same offence really as vehicle was brought home after being stopped and not used again, do I have to pay this as well,

i have been dealing with housing options as well. this is about my landlord misleading me from the start with fraudulent tenancies. ie 1 making me pay a bond and months total £600 for my own tenancy in a two tenancy house 2 making me sign and witness the other tenants tenancy and £600 when, in actual fact, he had not paid a bond or months rent at all. i was told this three months later by the landlord in a recorded meeting 3 the landlord did not protect my bond and as a result of this, I am in a horrendous position 4 the landlord returned my bond 2 months after i paid it and then claimed that the tenancys signed were now actually a single shared tenancy 5 making me responsible for the other tenants debts 6 the landlord is now lying to the court in claims against me which i want to defend 7 he has mislead the court about arrears (that i was not in) etc etc housing options have applied for legal aid on my behalf. legal aid said i should apply for legal help but housing options applied for more legal aid and were granted full aid they say the notice the landlord gave me is wrong but they dont seem at all interested that the landlord commited fraud in the creation of the tenancies and the way i see it is that housing options are assisitng the landlord in misleading the court because if the tenancys were fraudulent, the landlord should be being investigated and housing options should be challenging the landlord about this and disclosing this to the court in the public interest. i believe when looking at the solicitors code of conduct, that fusion housing should be looking into this and not just seemingly trying to process me into alternative accomodation i asked fusion housing for a copy of the court bundle documents and have been told that i will need to make a data subject access request that will take 40 days to process if i want to see my own court documents. this is unhelpful as i am due in court on september 5th, in a couple of weeks. i would like to withdraw my permission for them to act for me and i would like to represent myself in court i need to make a notice of acting in person letter but am unfamiliar with the correct procedure to follow i understand the court can only allow me 40 or so days extra in the house. but really i want to defend the allegations the landlord is making against me. i have a solid defence fusion housing have said that i dont need to defend the landlords POC. as far as im concerned they are his particulars of claim and if i dont defend them i am allowing them to be on the court record. i really dont feel comfortable with the way this is bieng handled and the way housing options have seemingly taken over and are proceeding with my case i am alarmed to see that the solicitor is earning between £56 to £200 + an hour. i have no idea what they are doing with my file or what is happening i have asked to see my file and am now asking for a copy of the court documents. both are not forthcoming. any help or advice would be very much appreciated. housing options have applied for legal aid on my behalf. legal aid said i should apply for legal help but housing options applied for more legal aid and were granted full aid they say the notice the landlord gave me is wrong and that they will be representing me at court but they dont seem at all interested that the landlord commited fraud in the creation of the my tenancy. i find that alarming i understand the court can only allow me 40 or so days extra in the house and am desperately looking for alternative accomodation. fusion housing have said that i dont need to defend the landlords POC. as far as im concerned they are his particulars of claim and if i dont defend them i am allowing them to be on the court record. i really dont feel comfortable with the way this is bieng handled and the way housing options have seemingly taken over and are proceeding with my case i am alarmed to see that the solicitor is earning between £56 to £200 + an hour. i have no idea what they are doing with my file or what is happening i asked fusion housing for a copy of the court bundle documents and have been told that i will need to make a data subject access request that will take 40 days to process if i want to see my own court documents. this is unhelpful as i am due in court on september 5th, in a couple of weeks. can i do an acting in person letter to the court and charity and get some control back over my file? how many sets of wet signatures should there be when signing one contract? I am asking this because my landlord says there is only one contract attached to this house. when i signed my contract, i was lead to believe that the other tenant had a contract as well as me. both contracts were signed and witnessed. the landlord took them away to copy them i would have thought that if there was only one contract then there should be only one set of signatures there is something wrong here as there are now three copies of signed tenancies. each one has a different set of signatures. the landlord has them all but I have copies. I dont remember signing 3 contracts and my signature looks very odd in contract 3 ( which the landlord has submitted to court as the main contract) the reason i think there is something wrong here is because each one shows that a bond and months rent of £600 were paid at the signing of the tenancies and each one has been signed separately. it is clear to see as the signatures are not identical, so there were different tenancies that were signed does that mean these tenancies say there was 1800 paid to the landlord at the start of the tenancies or just £600? is this one tenancy or three? when i signed my tenancy, i paid £600.(bond and rent) the landlord now claims that there was one tenancy and that it is a joint tenancy when i signed my tenancy, the landlord and other tenant lead me to believe that he had paid £600 as well and i was asked to sign and witness his tenancy. i found out three months later that the other tenant had not paid anything at the start of the tenancys and i have been mislead from the start the landlord returned my bond after two months and did not protect it. when i gave it him back he tried to say he wasnt taking a bond and the £300 he took back was for the other tenants rent but later changed his mind i believe at that point the tenancys were changed and bonds altered , i became liable for the other tenants debts the other tenant had lived here for a few years before i moved in there was already a bond on the house when i moved in. the old bond was then repaid to the tenant after i moved in even though the tenant was in arrears and there were outstanding repairs when i moved in. when i signed and witnessed the new tenancys the tenant did not pay a bond or months rent but i was lead to believe he had by both of them because they had filled the tenancys to show he had paid £600. in reality, the other tenant was in debt at the start of the new tenancys and they had both lied to me now the landlord says it was just one tenancy and we are joint tenants and he wants his house back if it really was one tenancy why are there so many versions and why was i the only one who paid anything? i feel i was used from the start to get the old bond returned to the old tenant so that the landlord could get him out. the old tenant is heavily in debt and has made no attempt to pay rent or bills. the landlord has allowed this to happen and made no attempt to rectify this. i have been paying my rent and was paying the bills ( his debts!) although i cant access data about the accounts. the bills were in the other tenants name before i moved in. the landlord didnt change this. i believe there were already debts before i moved in and this is why they stayed in the old tenants name. the landlord has been free to manipulate all this and i am finding it difficult to get help or advice regarding the validity of the signed contract or contracts and i am confused as to where i stand. i realise the landlord can ask for his house back at any time but i think the way this has been done is very wrong. i would never have left my old home to be on a joint tenancy anyway and especially with someone who was already in debt i have repeatedly tried to discuss the tenancy, rent, bills and bond with the landlord. i started recording the visits. the landlord was doing monthly inspections and coming without notice. i was being bullied by them both. here is an extract of a recording of a visit without notice from the landlord where the bond was discussed. when the landlord gave me the £300 bond back in january, i gave it straight back to him. he took the money away but did not leave a reciept. I paid my rent into the bank a few days later. (AA is the landlord, AR is me.) ....... AA this is what I'm gonna do right, this is what I think should happen, yeah? So this £250, right, that you already put in and this £50 AR £300 AA is £300 right. By all rights yeah That money is next months money for you, yeah AR or my bond AA I'm not taking a bond. I cant take a bond right. You have a month or two months I think under the - that's why within two months I came to see you before the end of two months AR two months? You've 14 days to pay the bond in AA right so AR to the bond bank, but you didn't tell me for two months AA. yeah so it didn't happen. Yeah AR I could have got somewhere else AA yeah so it didn't happen, right but just hear me out here yeah? Look, I couldn't put it into the bond account because Mark, yeah ? Rightly or wrongfully, wrongfully, he didn't give me the money yeah? So that's why I said, sod it, give it back. There you go yeah? So the bond is, is, forget the bond, I'm not taking a bond off ya. like I says to ya, here, you know, foolish me or whatever, but, you know, I think that's my perogative" here is another extract regarding the bond .......... AR ...so had that tenancy ended then? AA it abso.., yes it ended, yeah. That's why you signed a new tenancy agreement with Mark AR Right, but why did only me have to pay a bond? AA right so you both had to pay a bond but unfortunately Mark was in rent arrears and he didn't have no money to, to, to kind of pay the rent or the bond money so that's when, remember when you? We, we, we took down, you gave me half of the bond money and to which later on I, I, I just gave that back to you because obviously it was quite clear Mark didn't have the money to pay the bond money so we gave that back" I feel that they have both really taken advantage of me and the whole thing about the tenancys and bonds is causing me great distress. I am trying to fully grasp what is/has happened here and how it will affect me.

hi everyone, A little advice needed please. on the 6th july I had a new polycarbonate roof fitted aprox 5 mtrs by 4 mtrs which has turned out to be a right bodge job done. Morning after fitting I noticed endcaps had fallen off, wrong material used on side frames, poly roof sheets had 2 inch gaps near to house so rain can get in, sheets were cut cut so badly it looks like they had been chopped with an axe, glazing bars lifting, scratches real bad big scratches. I contacted business owner who said ill come out which he did 3 days later to be told yes the fitters had codged the job and they will fit flasing to hide the gaps and cut glazing bars correctly and basically cover over all the bodges. I was told they would contact me last week about coming back but nothing at all heard. should I demand/ask the badged parts be replacedor have I got to accept his offer to cover over bodges?. Where do I stand please? any help/advice id be most gratefull for. I paid £1310 for 4 poly sheets , 3 glazing bars plus fitting to be left with a very bad bodged job.

Just starting a thread on Electric Cars. I have noticed a Taxi Firm in my town has gone fully Electric. Can you believe this news. As i looked around Great Britain to see what was going on other towns have done the same. Just a quick look around but sure i read that cost of electric v fuel was roughly 1500.00 Electric per year v 7500.00 for fuel a saving of 6,000 pounds.This was a Taxi and i will have to find the article again. Also that batteries are improving and most motorway service stations have recharging points now. Better put a couple of articles on as i have not looked at Electric Cars before. Electric cars could rule the road in just over 10 years say motor industry experts Sales of the vehicles are surging so fast the market looks set to meet government forecasts for the end of new diesel and petrol cars by 2040 http://www.mirror.co.uk/lifestyle/motoring/electric-cars-could-rule-road-8305609 How the all-electric Leaf is becoming a favourite of taxi drivers http://nissaninsider.co.uk/how-the-all-electric-leaf-is-becoming-a-favourite-of-taxi-drivers/ One dramatic chart shows why electric cars are about to become mainstream http://www.techinsider.io/electric-vehicle-battery-cost-decreases-2016-3 Taxi Built In Britain known to us as a Bomber,well was when i last used one about 20 years ago. Metrocab Electric London Taxi- Made two years ago so probably technology has moved on much more since then. Another reason to switch to EV...there are plans for electric cars to drive in bus lanes http://bit.ly/292fWiL Electric cars are so refined and quiet, you can record a song in one. Here’s how Cerys Matthews and her band did it. https://www.youtube.com/watch?v=fNfyVHbn3xE Have you got a electric car. Sounds like you are saving a few bob if you have.

Around 20 people have been killed and 42 hospitalised after a suspected terrorist opened fire at a gay nightclub in the Florida city of Orlando. Officials confirmed the shooter had been killed by police and was carrying a “suspicious device”. http://www.huffingtonpost.co.uk/entry/orlando-shooting-florida-pulse-nightclub-attack_uk_575d23bde4b041514369cf54?fnu2428e7bc7bvs4i& Shooter inside the nightclub is dead The shooter behind an attack at a gay nightclub in Orlando, Florida is dead, police said Sunday, describing the scene as a "mass casualty situation. 4 videos. http://edition.cnn.com/videos/us/2016/06/12/florida-nightclub-shooting.cnn/video/playlists/orlando-nightclub-shooting/

If you're a single person with no children you need to work at least 30 hours a week to qualify, but does it have to be from one job only? I'm working part time. If I get a second part time job, would I be entitled to WTC? Sorry for the silly question but I've checked on gov.UK and it's not very clear. Thanks.

Hello, Its my first time when i am trying to claim my PPI - can someone help me where to send complains I had a few store cards, all now closed and all information are from my Equifax account DEBENHAMS 2009 - 2013 - NewDay MONSOON 2007 - 2012 - NewDay TOP SHOP - account closed 2009 - GE Money River Island - NewDay NEXT - (2006 - 2012) I had as well Personal loan from Ocean money and again I dont have idea which address to use? Any help will be appreciated

Something came to my attention yesterday.Better just start this off.Shocked me. There are currently 3.7 million children living in poverty in the UK. That’s over a quarter of all children. 1.7 million of these children are living in severe poverty. . In the UK 63% of children living in poverty are in a family where someone works. The Government has a statutory requirement, enshrined in the Child Poverty Act 2010, to end child poverty by 2020. However, it is predicated that by 2020/21 another 1 million children will be pushed into poverty as a result of the Coalition Government’s policies. Check your area out and see how many children are in poverty. POVERTY IN YOUR AREA http://www.endchildpoverty.org.uk/poverty-in-your-area/ Changes will push children into poverty Figures published by the End Child Poverty coalition, of which The Children’s Society is a member, show that nearly three in ten children in Greater Manchester lived in poverty at the end of 2013. http://www.manchestereveningnews.co.uk/news/greater-manchester-news/changes-push-children-poverty-10949893 Peers defeat government over child poverty reports http://www.bbc.co.uk/news/uk-politics-35405479 These child poverty statistics and facts will help to give you an idea of the scale of child poverty in the UK and the affect it can have on: a child's education a child's health the day to day lives of families. https://www.barnardos.org.uk/what_we_do/our_work/child_poverty/child_poverty_what_is_poverty/child_poverty_statistics_facts.htm I have read 43% of Children in Manchester do not have a hot meal,repeated across many areas very worrying. Well i have started this thread about child poverty not knowing much about this problem. What is it like in your area.And have your say.I had not realised there was such a big problem out there. If you have links to back up your point all the better. In Manchester i have noticed a lady trying to raise a few pounds from local businesses to provide a few hot meals in Salford for children. Seems a good idea.Could make a big difference repeated across the country. http://www.poundsforchildpoverty.org.uk/ Bye for now. Tawnyowl.

Hi I recently allowed our home to be repossessed. The mortgage company got a valuation done before marketing the house but I was wondering is how many should the lender get. Many thanks

Just looking for a home that was built in two days.A house not part of a skyscraper.And 90% more energy friendly and green.Affordable and if so slap them clean on the Brownfield sites now. There is urgent need,that is clear. I will find it.And add it later.90K and can be rented out or sold within weeks. Also will find out about Brownfield sites. Building more homes on brownfield land Consultation proposals https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/398745/Brownfield_Consultation_Paper.pdf And how many empty homes there are,not in use. And who will benefit from those jails George Osborne has his eyes on for selling for housing Speech with video,about 2 minutes that is all for those that may be slightly allergic to George Osborne. http://www.msn.com/en-gb/news/video/george-osborne-nine-new-prisons-to-replace-victorian-jails/vi-CC8zE3 So perhaps some in the steel industry would be interested in this. I know,those damn Chinese,but fine entrepreneurs as well.Despite having many of our ideas away.And copying them. We should now return the favour perhaps with our steel.They use a lot,like meccano sets. Connect the steel plant to the production area,give no chance for cheap chinese steel to appear. Perfectly legal to do.A small loophole in European Law that is all. And it is time to look after our workers. Chairman Zhang's flatpack skyscrapers A Chinese entrepreneur who took just 19 days to build a 57-storey tower says he has triggered a construction revolution. And his dreams soar far, far higher. http://www.bbc.co.uk/news/resources/idt-3cca82c0-af80-4c3a-8a79-84fda5015115 And the video. China builds complete 57 story skyscraper in record 19 days https://www.youtube.com/watch?v=93HVG3j1phs Even better. In April a company in China claimed to have built 10 detached, single-storey houses within 24 hours, using waste material which was pumped out into layers - and the properties were said to have been created for less than $5,000 (£2,974) each. Four huge printers measuring 105ft (32 metres) long, 33ft (10 metres) wide and 22ft (6.6 metres) tall were used to make the bungalows, China’s Xinhua news agency reported at the time. Read more: http://www.dailymail.co.uk/news/article-2753200/Company-launches-two-bedroom-home-DOWNLOAD-internet-build-yourself.html#ixzz3rZ4YJiwB The answers are here friends,nip off to the council and enlighten them. For those that would consider this idea. Would be in the house and set up for Christmas.I can see you sat by the fire.Christmas tree in the corner,turkey on the table. Will find much more info in the next week.This is just for starters. A lighter look at the problem we know is here. I have run out of time today. Please post how you feel about things. Any info,any additional thoughts and links.From you knowledgeable ones out there.

Hi I'm Dan, just joined today after a morbidly disappointing realisation that credit agencies are a law unto themselves. So Hi all Hope I can be useful and hope people can help me to.

Just opening a thread on Carers. What benefits they can get. How earning a small wage can effect them,anything really about carers. What troubles they face. Where they can find help and where. What charities will help them with things they may need.For the people they care for. Whether a unpaid carer or paid carer. Maybe you are a charity and see many things and help so many.Good on you. Whether a Carer who is employed by a company and shoots round all over the towns and cities, what pressures you or they face. Does the company you work for treat you well. What pressure are you under. Too much paperwork do you feel. Do you think you are doing things you are not really trained for. Anything you want to say feel free. I personally have just finished helping someone care for someone and saw how hard it could be. Made a few observations in the little time i cared for someone. And wondered how it really is all over Great Britain.For the Carers in our communities. So soon i will find articles. Just wanted the thread out there. Another thought out of a cluttered mind. Are you a carer .How old are you. I believe many carers are young,some are pensioners i believe. What is lacking do you feel.If anything. The population is getting older,many more carers may be needed. Have your say. The Country would be lost without them of that i am sure. If you are outside looking in just register and have your say.We are a friendly lot. There you are. http://www.consumeractiongroup.co.uk/forum/register.php

Someone said to me today that they were putting cucumber slices on their eyes. I thought to myself is this a joke. But then i checked things out. Can you believe that cucumber slices can help in many ways. I am dumbfounded at this news. Cucumber Benefits for Great Skin and Eyes http://www.disabled-world.com/artman/publish/cucumber_benefits.shtml WHO KNEW CUCUMBERS COULD DO ALL THIS!!! http://hackerspace.kinja.com/who-knew-cucumbers-could-do-all-this-717278789 15 Surprising benefits of Cucumbers. http://www.miraculousladies.com/15-surprising-benefits-of-cucumbers/ My eyes have been opened wide and refreshed after reading what a cucumber can do for you. mmm-business thought. Fresh packs of cucumber slices for tired eyes,in a store near you soon. No need for spending fortunes. Tawnyowls tempting offers-only 5.00:lol:

Across the country, 91 courts and tribunals will close, while a further 31 will merge with existing buildings. See the link below for more details on this story: What effect is this going to have on local justice and how will the volume change for the remaining Courts to pick up the extra cases that will be heard at regional Courts in the future? So with the change to digital and more use of the video conference and the use of telephones will see a significant change to the justice system. How many more changes are in the pipeline and what will they be now? Only time will tell!!!! Centralisation will be more cost effective so will the EA's face the same cuts or will more be used? If the latter will this be just the start of a new justice system? Imagine facing the bench from your armchair? Homemade justice without the need to attend a live court!!!! http://www.echo-news.co.uk/news/13424238.Essex_courts_to_close_as_Government_makes_cuts/

I have some questions about the correct procedures for County Court summonses. I'd be really grateful if anyone could advise me on any of these queries. I have read the guidance notes for both online and paper forms but still have some uncertainties. Background: I am about to issue a County Court summons for unpaid compensation for use of part of my property by a builder. The basis of the compensation is set out in an agreement and related emails. My questions: 1) When sending in a paper N1 form, is it correct to send supporting paperwork with it? E.g. Copies of agreements, contracts, print outs of related emails. 2) Exactly how many copies of the N1 form, defendant's notes, and supporting documents (if these should be sent with the N1) do I need to send? I assume from the guidance that it should be a total of three copies of everything: One copy (i.e. the original form) for the court, one copy for the defendant, and one copy for me (to be sent back to me). 3) I was originally planning to issue the summons online but the Particulars of Claim box on the MCOL website is absurdly small. How does anyone explain the key points of their case with so few characters and lines to work with? Any help on these queries will be really helpful. Edit: I have found the answer for question 4. Questions 1, 2 and 3 still confuse me. Answered question below: 4) I am aware that one can send additional PoC by post if using the online form but, as I understand it, these later PoC are only to be sent to the defendant. The Court and the Judge will not see them unless and until the case comes to a hearing. Is this correct, or should one send additional PoC to the court as well as to the defendant? Answer: I see that form N215 'Certificate of service' requires that documents sent to the defendant must also be sent to the Court.

Hi I'm really need some advise on how to proceed with our local Honda dealer. We purchased our 2013 Honda Civic 1.6 EST from a Honda dealer in the north East in 2013. The car was 9 months old. It has been serviced by our local Honda dealer in March 2014 and again in Dec 2014. On the 2nd service the rear brake pads were replaced. The front pads were at 50% worn. End of March 2015 we noticed every time I braked a squealing noise would occur. We took it back to the Honda dealer who serviced the car and were told the front pads were 75% worn but the discs were fine. We have the pads replaced. The squealing didn't go away so we rang the dealer who said give it time they are new pads. Gave it 2 weeks still squealing so booked back into garage who said small stones were causing the problem. Got car back, still squealing, booked back in, brakes all checked, said all OK, got car back, still squealing, booked back in again, brakes stripped and cleaned, got back last Tuesday. Went out Wednesday and squealing worse than ever. Drove it back to the garage. Mechanic came with us in car and every time I touched the brake it would squeal. Mechanic couldn't hear anything. I was gobsmacked. He must have a hearing problem. Car booked back in for today. I have recorded the last week of driving which you can clearly hear the problem on. In the meantime some sensor on the dash keeps going off. Tells me people in back but seatbelt snot fastened. There is no one in the back. Goes off 20-30 times. Sensor replaced last week. Out in it yesterday taking daughter to school and went off over 40 times. I have rang Honda UK who are useless. They say take back to dealer to sort out. Any idea where I go from here. This car is not only embarrassing to drive but distracting. Trying to keep eyes on road but sensor going off and when it comes to braking the notice is horrific.

The Highways Agency is encouraging road users to spend a few minutes making sure they, and their vehicle, are fully prepared for severe weather. You might think that most of their advice is blindingly obvious, but a survey showed that: Many motorists (45%) don’t do any winter checks at all on their vehicle Nearly two-thirds of drivers (63%) do not check their anti-freeze, oil or water before setting off on a winter journey Less than half (41%) said they checked their lights were working before setting out. Just over half (53%) of drivers don’t have warm clothes in their car in case of emergency. Fewer than half (42%) of drivers carry de-icer in their vehicle. Almost two-thirds (64%) don’t carry drinking water. Only a third (33%) carry a warm drink, around the same number (32%) take food, and (37%) said they packed a blanket. A few minutes of preparation could be a life saver. https://www.gov.uk/government/news/survey-shows-many-drivers-wont-be-ready-when-winter-bites

An interesting read today as follows "As a landlord, agent or solicitor, if you have used a High Court Enforcement Officer who did not follow the proper process, you could find that you’re liable for a significant claim for damages. In recent years, there has been a large increase in the use of High Court Enforcement Officers (HCEO) to evict residential tenants, which is no great surprise, as HCEOs can frequently enforce far more quickly than a County Court Bailiff (CCB) can. How could the eviction be illegal? At present, HCEOs can only use a standard writ of possession to evict trespassers, i.e. “persons unknown” such as squatters. For an HCEO to evict a tenant who remains in a property after a possession date, they MUST obtain permission from the County Court under Section 42 of the County Court Act 1984 to transfer enforcement of the order for possession to the High Court. Without this permission, any writ of possession enforced is invalid and any action taken under it will be illegal. Are illegal evictions taking place? In the last 18 months the High Court enforcement sector has seen a quantity of small ‘franchise’ bailiff firms, many operating under the authority of a single authorised High Court Enforcement Officer. Some of these firms are offering guaranteed seven day evictions of residential tenants, which does not allow time to obtain court permission to transfer up. It is our understanding that some of these firms may be applying for the writ of possession, without having previously obtained permission from the County Court to transfer up the order for possession to the High Court for enforcement, perhaps because they are not aware of this legal requirement. If any of these firms are evicting tenants under a writ of possession but without court permission to transfer up, then those evictions will have been conducted illegally. Exposure to claims for damages Whilst it is understandable that every landlord wants possession of their property without the lengthy delays regularly quoted by the County Court Bailiffs, the potential cost implications for a landlord for incorrectly evicting a tenant can be huge - claims for damages might come from both the tenants, as well as the local authority that had to rehouse them in emergency accommodation. As well as claiming for considerable damages from the landlord, the tenant may also make a claim against the bailiff company that evicted them and the authorised HCEO personally. If you think you may be affected If you have used the services of one of these ‘franchise’ HCEO firms, it would be prudent to now demand to see the court order allowing the HCEO to undertake the eviction. Be advised that this is NOT the writ of possession, but is a separate standard court order. If the HCEO cannot produce this, you could be looking at a claim for damages landing on your doormat any day soon. It would also be prudent to ask the HCEO company for details of their insurers." Story from Scoop today here http://www.scoop.it/t/lacef-news Info in full from here http://thesheriffsoffice.com/articles/are-you-evicting-tenants-illegally