Hi Every one I had received a parking ticket for allegedly parking in a restricted area (client permit area) from High view parking. to further explain, we wanted some new carpets and went in a shop in hillsborough in sheffield which allows free customer parking. We parked in an area where there was a board of customer parking on the wall that i parked against, on the adjacent wall there was permit parking board. I genuinely thought it was customer parking, parked only to get a notice that i had parked in restricted area which was for clients only from high view parking. I stayed there for 17 mins. they had camera to prove i entered and stayed in what they say was a restricted area. i appealed to them initially really not understanding difference between client & customer saying my visit was for a genuine reason and they could cross check it with carpet shop. (my stupidity) and it got rejected , no surprise. I wrote to popla and giving them the explanation that the signage suggested customer parking, and there was ambuiguity and had it been more clear i would have not parked in the area. Popla has replied back saying it was still my fault to park there. I tried uploading my evidence but the website would not allow (technical problem) and than popla would not accept my pictures as case was submitted. What do i do now. ? As submission to popla, highview parking submitted a document delineating the various signage they have, but not mentioning that they have a misleading sign board in the restricted client area. Feel the decision is unfair, as i feel there should never be misleading signs. i dont know the laws regarding misleading signs in a private parking. I have now received a notice to pay £125 in 14 days. Should i take them to court ? because i still feel my case was not fully heard by POPLA. i have emails from POPLA where i have tried to convince them on allowing me to give them picture evidence but they have rejected it. ANy advice or help will be useful. attached is the picture of the area and signage

Having a real headache after purchasing an item from OCUK (Overclockers UK) and feel as though they have played me for a bit of an idiot. Am in need of some advice if possible, as this doesn't seem to fall into any current consumer law or grant any protection that I know of. Sent this letter recently and is a rough breakdown of events. 07/02/2016 Dear Sir or Madam, REFERENCE: .(name)../Overclockers UK (OCUK Ltd)-Gigabyte GeForce GTX 970 G1 Gaming 4096MB GDDR5 PCI-Express Graphics Card I have owned the item, a Gigabyte GeForce GTX 970 G1 Gaming 4096MB GDDR5 PCI-Express Graphics Card, since 13/12/2014 which I purchased from Overclockers UK (OCUK Ltd). I paid £289.99 GBP for this item and it has a 3 year warranty period. I have discovered that the item is not fit for purpose. I initially received the card on the morning of the 13th December 2014. I initially had a few issues regarding the performance of the product and managed to find a solution online. The card worked adequately enough until the 20th December 2015, at that point I began to experience what seemed to be large red graphical flashes and lines on the screen. I attempted to troubleshoot and research online regarding the problems I had experienced, specifically without touching any hardware. I was then advised to try a different port on the back of the graphics card to attempt to show the display without these large flickering lines, red dots and pixels. I managed to record video evidence of the issues and have confirmed that the other display ports were also faulty. I ultimately deemed the product unusable, as it could no longer function as originally intended for. I proceeded to contact the manufacturer 'Gigabyte' regarding an 'rma' procedure for the product, in which their response was to ' please contact the location where the original order was placed'. I then contacted Overclockers UK and spoke to a gentleman on the phone who immediately acknowledged the issues that I had faced and stated that he knew what the problem was in these cards (gtx 900 series) and that I should send the card back to them for an 'rma' procedure. He then gave me an 'rma' number/code for the return shipment process. I would like to stress that the card did have an incredibly small scratch on the back-plate (which is there on this particular model to protect the pcb and evidently costs more). On December 23rd 2015, I then sent the product back to Overclockers UK with 1st class shipping with UPS with added insurance and recorded delivery (£25.79). Received response to me via email: Dear Mr .(name). .(name).., Your RMA RMA295815 has been received at our offices. All RMAs are tested in compliance with manufacturer requirements. This testing process can take around 5 working days. Once this has been completed we will e-mail you again with an update on progress. If your item has been returned for DSR (Distance selling Regulations) refund please note that all refunds will take up to 5 – 7 working days to be completed. We also reserve the right to test and inspect high value items returned under DSR (Distance Selling Regulations). For items over 28 days of purchase please be aware we send these back to the manufacturer for repair / replacement. This process can take up to a maximum of 28 working days. On the same day I then received this email : 'Dear Mr ..(name) ....(name)..., The product GX-147-GI on RMA295815 has been returned to you. It has been rejected for the following reason. "CARD HAS BEEN TAKEN APART, SCREW MISSING FROM BACK PLATE AND SCRATCH TO BACKPLATE. WARRANTY VOIDED ". Overclockers UK then emailed me further to state that they would be sending this item back after rejecting it outright without testing it, apparently due to a scratch and a screw missing (which wasn't to my knowledge). I then received the item back on the 4/01/2016, whilst inspecting the item I noticed a number of plastic covers had been removed and not replaced, I was also able to account for every single screw in the card in which one was 'apparently' missing. I contacted Gigabyte(manufacturers) regarding the issue of voiding the warranty, the representative stated that excess physical damage (not a scratch), or aftermarket additions or modifications would breach the warranty and taking the card apart was in fact perfectly fine. Overclockers UK have no information anywhere regarding what successfully voids a warranty of a graphics card as I spent time researching their website and elsewhere online for information. On their official forums they have clearly labeled guides such as these: (cannot post links as i have a low post count) (http)://forums.overclockers.co.uk/showthread.php?t=18677735. Titled 'Here is a little guide to show you how to take apart a GTX980 G1 gaming card from Gigabyte, clean the GPU core surface and re-apply fresh thermal paste before re-assembly'. It is now dated 07/02/2016 and I have not had a functional product for over a month and a half with no positive outlook or solution on the horizon. The Consumer Rights Act 2015 makes it an implied term of the contract I have with Overclockers UK (OCUK Ltd) that goods be as described, fit for purpose and of satisfactory quality. As you are in breach of contract I am entitled to a replacement at no cost to me for the reasons outlined above. I also require you to confirm whether you will arrange for the Gigabyte GeForce GTX 970 G1 Gaming 4096MB GDDR5 PCI-Express Graphics Card to be collected or will reimburse me for the cost of returning it. I await confirmation that you will provide the remedy set out above within 14 days of the date of this letter. Yours faithfully, ...(Name).. .....(Name)..... Basically received a phone call on the morning the letter was signed for on the 10/02/2016 asking If I would send the card back into them so they can test it and process another rma 'again' so they could send it off to the manufacturers to get it repaired or replaced. the issue I have with this is that I don't trust them at all, especially as they have already told me a month ago that the warranty has been voided. Also the manufacturer may take up to 2-3 months according to their online information which means I am out of an important component now since December 2015 and may not receive anything back until April/May? Any advice would be much appreciated, unfortunately I am not made of money and cannot keep ordering new parts all of the time.

Hi all, I hope you are well. I have been in foster care since I was 3 until I was 21, and now I am 22. However social said they would keep supporting me until I was 25 as long as I am in full time education. I completed three years at university and got my degree, I then decided to do a masters. However when I was barely a month or so into the masters I had to come home because I was taken ill. I wasn’t in a fit state to continue with mental health problem, thus at this point so I decided to defer my masters. I was realised from hospital and came home, at this point social services were being fantastic about things. However, I relied on my social worker to sort things out as I was in no fit state to sort it myself. When I say thing like defer me from the masters, sort things out with the uni, accommodation etc. 3-4 months have gone by since coming home and I have recently discovered my social worker hasn’t done any of these things. I have had an e-mail from the university saying what’s going on, we know you are ill. Today, I discovered my accommodation contract hasn’t been sorted, in which they said I could get out if I provided substantial documentation from a GP. Obviously at the time I left things with my social worker and just assumed it was done, I now owe almost £1000. The thing is that in the summer we agreed social will pay for a certain amount and I pay roughly a £10 deficit each month, this was agreed verbally. I believe social have stopped paying the bill therefore I am lumbered with the whole amount. In addition, when a student usually comes out of university social usually help said student get on their feet. However, the contact has been scarce over time. I received a cheque for £1,900 which was because my masters was on a scholarship and the uni said I can keep it as I was still enrolled at the time the incident happened. I was honest with social which was all good. At the time I said I would put it to good use and have driving lesson, with the aim of increasing my employability. Contact has lessened and I feel in the lurch, as I am living with a relative and can’t stay here much longer, social haven’t helped in finding me a flat of my own, I found a flat on my own which was affordable, but I could get it as I had no guarantor and none of my family were in a position to help. Social then said they won’t help me because I have this cheque. However with various expenses including Christmas, I have spent a little of it, but now I am just using it to live essentially. I have had to go to the council and declare myself homeless. I am jobless at the moment and have been doing everything in my power such as updating my CV, applying for jobs and even been to a job interview today. I have applied for JSA in which I wasn't helped with, which can be trick given the circumstances. I spoke to my social worker last week and she only wanted to see if I had applied for JSA so she could stop paying me Independent living allowance which is fair, because that has been good deed from them to me. However I feel slightly overwhelmed at the minute as I am trying to find a flat, a job. And now I have discovered that nothing has been done since coming back from university and find out I have this £980 debt. I feel it wouldn’t have been this much if my social worker had got me out of the contract. And uni fees are still being charged I believe. Sorry, I don’t mean to paint social services in a bad light, I am only speaking from experience. And I haven’t ever had a problem with them before. But it’s agitating and everything is playing on my mind, which is not good for my mental health, as I have had to overcome a lot to get to this point. Any advice is welcome and thanks for reading. Many thanks, Abc12321

Hi, I quite often record calls to companies so there can be no confusion on what was said. I am aware I do not need to inform them or gain permission as the recordings are for my own records only and I need the other parties permission to use the recording for any other purposes such as supplying it as part of a complaint against them. However, what is the law regarding Transcripts of the call? If I sit and transcribe it can I legally supply a written record of the call as part of a complaint without requiring permission? The call in question is one that happened between myself and a Senior Revenue Officer of my local council and he is now telling porky pies as to the things he said on the phone. Thanks

Hi all, yet again i need your help. I have acted foolish, earlier this year i applied for and was suprised to be offered a loan of £950 by Sunny.co.uk, so i took the loan, then 4 days later paid it back, now according to their website you have a 5 day cooling off period where no interest is charged, although can only use this once every 12 months, i paid back and was charged £40+ extra in charges as i recall..... a few days after this i decided hmmm £950, that would come in handy for this and that, maybe my credit is getting a little better, applied again, was offered £950 again, took it, again....... i know, shame on me. Now the problem starts, i thought i would be paying back monthly over 10 months, but it turns out then wanted weekly, i went on the defensive and pulled the plug, running with the £950 essentially, fast forward 6 months, the total amount owing is £1450 odd from a initial £950 borrowed, on CR it is being marked as late payment NOT as a default, not yet anyway. I figure i want to enter in to negotiations to pay this back before it hits as default on CR, can i do this, are they likely to listen. I could maybe afford £50 per month for the next 6 months then maybe £80 per month. I know this will take forever for it to clear but better than getting a default... .. or not. Thanks in advance.

Hello. I hope I have put this in the correct place, I am seriously in need of some advice. Over the christmas period, a number of payments disappeared from my bank account totalling over 400 pounds overall. The name on my statements was 'virtue fusion' and after checking it appeared they own a bunch of gambling sites, however I did not know which site the payments were made on, I sent an email to every site that is operated by this company. Eventually, after a bunch of no matches... I received an email back stating that the account was on a certain site. They told me my details did not match the details on the account (not surprising as the account was not mine) and advised I send in a bank statement to show the transactions. They also asked for my correct details and said they had now blocked the account. My father advised me to call my banks fraud department as they would be able to issue a refund for the fraud while the investigation by the company was ongoing. I did this and was told I would get a refund by 5pm that day. No refund arrived I called the next day only to be told the refund would now take 2 weeks. This wasn't fine as such but it wasn't a problem as my rent was not due until yesterday, which would have been the 14th day. However, still no refund arrives. I called back today and have now been told that I will NOT be receiving a refund at all as the company in question has my correct details on record (name, date of birth and address. All of which they asked me for in order to close the account). Now, how this means it wasn't fraud to start with, I don't know BUT, the company already told me they did not have my correct details and have obviously replied to whatever the bank sent them with the details that they told me I HAD to give in order to close the account on their site. I am now late with my rent and have no way at all of finding 400 quid from nowhere. My bank is refusing to help, while the company just keep asking for bank statements. My bank reckon its safe to send the company my bank statement but given they have deceived me so far anyway, I don't feel too safe doing so as I feel it could be used against me further down the complaint in some way. I also do not really see what good it would do as clearly they aren't willing to help me given whats happened so far. My question is, what now? I am completely screwed for my rent. No-one seems willing to help and large companies appear to be lying in order to retain MY money that has been spent on their site fraudulently. I am so upset over this it is unreal. I haven't cried in years but I have been crying ever since I hung up the phone to my bank, out of both frustration and worry. I have never had fraud on a bank account before ever, but I always assumed that if it did happen, the bank would be on your side. Apparently not. I am unwilling to just let this go as it is such a large amount of money to me and its the principle of it all too to be quite honest. There has to be something i can do about it all.

Hi, I searched out this forum with a specific issue in mind. I have ordered a new garage door, made to measure, all steel insulated, secure locking etc. I paid 50% deposit on confirming the order, the total value of which is approx £1650. The company are demanding that I pay the balance before they will come and fit the door. I have baulked at this as it leaves me with no bargaining power should the installation or goods be below standard, but I have stated that I will pay immediately the fitting is complete to my satisfaction. They just keep repeating the mantra of 'our standard terms and conditions', and have cancelled the fitting which was scheduled for tomorrow. Just a few points: the only notification of these terms I recieved was by post after I paid the deposit. They stated that it was on the surveyors order form, but he just recited the tech specs and asked me to sign it to say they were correct. I believe that in legal terms any contract has to be judged as 'fair' to both parties. As their imposed terms leave them holding the money and the goods, I don't think that this principle is being upheld in this case. One hears numerous cases of consumers being let down or worse after 'paying up front' and although I may be able to fall back on the legal system, I think it is far more prudent to be wary prior to parting with the money. I have showd my good will and commitment to the contract by paying the deposit but it would appear the other party want to have things all their own way. Any thoughts, advice or suggestions from an experienced and knowledgeable audience would be appreciated -Thanks

Hi there, I have been out of work (Self employed) due to a knee injury. I am currently receiving 74.90 a week from ESA and that is ALL I am receiving. I live at home with my parents who I rent from. So going from Earning over 500 a week to 74.00 is making my life a nightmare. IS there anything else I can claim? All of my bills are racking up and going to start receiving late payments etc!

Hello and thanks for reading, im new to the forum so please bare with me. My mum died in 2008 when i was only 15. She had a mortgage through hallifax and had a loan secured on her house through swift. The loan was taken out on 20.10.2006 for £19,133 (I believe this was the amount with interest added on, i think she only received about £15,000. At the time she died her estate was handed to my aunty to deal with as i was too young. The market wasn't great for selling so my aunt thought it would be in my interest to keep the house on and have a tenant living there in the mean time until there would be a profit from the house sale so this is what she's done. While the tenant was there (the last 8 years) she's been paying the mortgage and the loan with swift. However we have now decided to sell the house. I had a look at some paperwork and my aunts been paying £280 a month, but they've added monthly interest of £300 so the debt is getting £20 worse a month, which I don't understand. We thought it would be straight forward as when the house sells we can pay off the remainder of the mortgage and the loan and bobs your uncle. However after doing some research on here of swift it doesn't look like that's the case. Is it true they will add a huge sum on the original loan amount for a settlement figure? how best to proceed from now? i really do thank you for your time reading this and hope someone can help because im at a loss

I've received the following letter from DCBL Certificated Bailiffs & High Court Enforcement saying that my overdue debt of £180 to New Generation Parking Management (NGPM) has been assigned to them to recover. The letter is printed on really poor paper and looks like it's been printed on a teenagers printer in their bedroom where the ink is almost running out. The letter is titled "Notice of Debt Assignment" :- I have this letter on my Flickr account but this website won't let me put links in any posts. This was for a parking charge notice (PCN) from back in early summer 2014. I ignored the first ever letter saying I had to pay this and I never received anymore letters. Then over 18 months later, today this letter in the link above arrived on my doorstep. So now what do I do? I read other posts etc. And they all seem to say that once it gets to the debt collectors stage to totally ignore everything and not to contact them in any way. But is this at that stage now? Or further on. Is this a further scare tactic or actually serious? Their website on this new letter shows that they were on the TV program "don't pay, we take it away". Any advice would be great appreciated.

Hi folks. I was wondering, out of interest, if someone could use the LIBOR scandal as a way of getting a default removed from their credit file? I've seen some responses from banks, when asked to remove a default, that they would not because they believed it was correct to place the default on the customer's credit file because it was "a true and accurate reflection of the customer's financial situation at the time", but surely it wasn't, if the banks had been fiddling LIBOR, as this affects credit card interest rates, loan interest rates, etc? Thanks for reading, ML

Hi All I have an account with an outstanding balance still owing which is now status barred as it is 6 years since I last made a payment , I originally CCA the original solicitor for the bank whom stated they could not located the CCA so the account remained in dispute, about two years later they then sold it to a DCA to which I wrote to them stating that the account was still in dispute with the original solicitor for the bank as they could not locate my CCA and sent the DCA copies of the letters I'd sent to banks solicitor and their reply so I was a bit perplexed as to how they could sell it on when it was still in dispute. another two years pasts by and then out of the blue I received another letter from the DCA stating they now owned the debt and asking for my proposals for payment, again I sent them the same reply as before as regards the account being in dispute or to provide a cca to which I have heard nothing since. Question is I know full well that I had a good amount of PPI attached to this loan but would I be implicating myself by putting in a claim for PPI or does the status barred scenario only take into account when the last payment was made and therefore not implicate me for applying for PPI on the account I also had allot more loans with this bank with ppi which I paid up in full, but I don't want to rock the boat if this will null and void the status barred ruling on the account that was still outstanding and leave the door open for the DCA to be able to reopen the case as I have heard that if you contact the bank regarding PPI if any of the accounts have been sold to a DCA they contact them! Any thoughts please. Tinks

This one from Scoop regarding increase in bailiff referrals by councils http://www.spaldingtoday.co.uk/news/opinion/campaigns/how-the-cost-of-paying-up-is-sending-bailiffs-diaries-wild-1-6962592

I'm not sure if I should be posting this here or in the debt forum, if I'm in the wrong place then please accept my apologies. I have a debt of £1500 to HMRC (my own fault I have the debt but I'm working hard to settle it). I was paying £10 a week to HMRC through my online banking, it's all I can afford. I'm self employed at the moment but my business is dying away, I have no way of recovering my business. I have been looking for full time work and there's no work available, I have however had an offer of full time permanent work from a company I used to work for but the job start date isn't until January. About 2 weeks ago HMRC passed the debt to a debt collection agency called Apex Credit Management who have since demanded the debt to be settled in full, I have no savings and my only asset is a car (which I need), I don't know the exact value of my car but it's not a lot, I bought it 4 year ago for a £1000. I wrote to Apex with an offer of £10 per week token payment but they refused as it's not a high enough offer, the letter said something about HMRC policy to have the account settled within 12 months. If I couldn't raise the token payment then they would hand the account back to HMRC for further enforcement. £10 a week is all I can genuinely afford, if I start this job in January I could have the remaining balance settled by about March. If I was to continue with the token payments, is it likely that HMRC would take further action while payments are being paid? What is the chance that they would automatically bankrupt me? I have a couple of other debts (1 priority and 1 non priority - both larger amounts than HMRC) who have all accepted the same token payment without any problems.

If I have 2 defaults on my credit record dating back to 2012 they show on credit checks left alone I'm guessing they will go statute barred in 3 yrs time However IF I paid the debts off in full when does the defaults go off the credit record? in 3 yrs time or in 6 yrs time?

as the above says. I'm posting this on behalf of my neighbour who has just got back from tameside magistrates regarding her housing benefit, in 2014 I helped her fill out the form HBCT1 and that was sent off, nothing was heard for several months, then after those months passed, still nothing, so I contacted them on her behalf, needless to say she had to fill out another HBCT1 form and was awarded housing benefit. New Charter had said that she owes them a total of £3000 she was taken to court today and ordered to pay £70 every monday, Bearing in mind that she gets £62 carers allowance and her income support. so out of her benefits she has to pay £270 every month. Because she had already applied but there was no acknowledgement from the revenues sector, is there any way to claim a backdate for that period that they say she owes them... Any help and advice would sincerely be appreciated.

Equality Act, and lack of capacity, used to annul bankruptcy order. I will add more in a moment... Not sure where to post this argument here on this thread or the other one in the bailiff section so have decided here and to link to this thread for further discussions... I think this is an important to add here due to the thread and other things so your thoughts please... See below for the link... http://blogs.lexisnexis.co.uk/randi/...cial-receiver/ The link to a case referred to in the above can be found here http://www.mentalhealthlaw.co.uk/Haw...1)_EWHC_36_(Ch) Although this case is significant in as much was for bankruptcy it can easily be used for all levels of debt and with that in mind this info could be of use for many....

If there is a dispute regarding goods that may have been seized by bailiffs and the debtor considers that those goods should not have been taken as they were considered (for one reason or another) to be exempt, then the regulations provide that there is a proper and FREE procedure that should be made under section 85 of the Civil Procedure Rules. Unfortunately, it would seem that debtors are wrongly making application to the County Court for injunctions and so far, we have yet to see one succesful case. Instead, there are many cases now being reported where debtors are having substantial cost orders made against them (in one case last week a debtor was ordered to pay the local authorities costs of £3,200. Details can be read here: http://www.consumeractiongroup.co.uk/forum/showthread.php?445251-Goods-on-HP-a-Judge-says-they-can-be-sold(8-Viewing)-nbsp Today, I have received details of yet another failed injunction but most importantly, the Judgment makes very clear (yet again) that the wrong procedure was used and the claim has instead been transferred to a District Judge at another court pursuant to CPR 85.7(5) for further directions. Details will follow in a moment.... PS: It should be noted that in this particular case, it would also seem that the wrong party had issued the proceedings.

Hello, I'm new to this site and can't find where I need to search or post regarding an issue I have Thanks

Hi Long story but the short version is. I owned a Cockatoo (Parrot) Had to rehome him as my dog had terminal cancer and needed constant care. Finally decided on a small sanctuary that had a small enclosure of animals. Sanctuary was owned by a couple that owned/run a pub/restaurant in a quiet part of the world. Have a contract drawn up by them that states if Cockatoo ever needs to be rehomed we would have first refusal and would be contacted to discuss. Have just found out today that the couple sold the pub in April and all animals rehomed to another sanctuary, one that allows large scale visitors and is open daily to the public. Sanctuary is not a charity. No contact was made with me to discuss this or my Cockatoo, he was just passed on without my knowledge. I am not happy with him being at this sanctuary and id prefer to have him back here, as stated in the contract. This contract was the only reason I parted with him in the first place, as I wanted him to have a secure home where he wouldn't be passed around to others, and in the event that they could no longer look after him, I wanted him back here with me. I have contacted the new sanctuary, but no response as yet. Do I have any rights? Thank you.

Hi and thanks in advance. I wondered if anyone could tell me if I am being, or have been, treated fairly with regards to a debt i have been paying off for some time now. I originally took a personal loan of £15k to buy into a business. It wasn't secured on the house I own, as at the time I was quite credit worthy and didn't expect there to be any problems. This was just before the recession. The business that we had worked hard to build up failed. Sadly my marriage did also. I started to fall behind on my payments and tried to negotiate with Tesco, but was given short shrift. The people I spoke to made no secret of the fact that they would proceed with a view of repossesing the property I own with my ex wife, if their demands were not met. The loan agreement was approx £170 per month, but they were demanding over £300 per month at a time when I simply couldn't afford it. They then placed a charging order on the property. Work for me at the time was sporadic, I am a builder and very little work was taking place at that time. I was staying on friends couches etc and paying them everything I could afford. I have religiously made these payment (on average £100 per month) for nearly a decade, and assumed that the debt would have been reduced significantly. I was informed that the debt had been frozen when I defaulted and it was passed to a debt handling company. Over the last couple of years I have worked 7 days a week to build a company up and things have gone well. I am now in the position to be able to face some of the demons of the past and so requested a breakdown of whatever debt was still outstanding from Tesco. You can probably guess the next bit. They have been charging interest ( I think at 5.9% PA) for the entire duration since I defaulted. I was staggered. I assumed that it would have been down to a nominal figure. I haven't spoken to anyone including Tesco, or the various companies that have pursued the debt on their behalf. I wanted to find out as much as I could before I did so. I am hoping I have some form of case here. The irony is now I can actually afford to pay the figure off in full immediately. It's just that they categorically informed me that the debt had been frozen when the account went into arrears. I am happy to supply as much information as I have if needed. Any help with this would be greatly appreciated. I have used CAG in the past to help a friend who was threatened with having her home repossessed. The outcome was.......She is still happily living there! Thanks for reading. Gary

My car was hit by another driver today before and they proceeded to drive away, my neighbour heard the collision and luckily got the car registration and make and model. The damage to my car is only probably a few hundred pounds. I have called the police and I have an appointment with them tomorrow. What is the best way to proceed with this? I feel I have two options, go through my insurance and pay my excess (£250) and lose my my ncb. I can't help but feel a little bit hard done to here, I was hit by a possible uninsured driver and may possibly have to pay for the same as well as us all paying extra in our premiums. Any advice? Any chance the askmib site is incorrect? If I do pay for this out if my own pocket I will try and have the police take it as far as possible.

Hello all, I have been claiming JSA and have been referred to Ingeus just recently so far i have avoided signing any paper work as to not fall into their trap. luckily enough i have now found a job that i am due to start so i need to stop my JSA claim however as i will be paid monthly i would really need the housing benefit 4 week run on for help with rent and c.tax. what is the best route for me to go as i really do not want INGEUS contacting my new employer as it is rather annoying plus i haven't signed anything so dont feel it is fair if they did. can i tell the job centre that i have simply just found a job without giving them the actual details? and give the local council details of my job in order to get the run on or will the council tell the job centre my details and they then pass it on to ingeus? any help is much appreciated. thank you. Dean

Hi all, rather a strange post so please bear with me. Today I had a 3 hour long final assessment as an admin assistant and got offered the job after my 1 on 1 interview at the end. I was called away to the interview when I was inbetween filling in all the forms. When I finished the forms, the another lady who worked there (not the one who interview me) looked through my forms and said I need to provide proof of the last 3 years of my benefits. I was a carer for my Gran up until Sept 2014 but was getting Carers Allowance up until August 2012. The Carers Allowance stopped due to my Gran being in hospital so much but I still carried on being her carer even though I was claiming JSA. In April 2014 I started to claim ESA as my Grans health began to deteriorate and she was in and out of hospital again but I was still her carer. My Gran passed in Sept 2014 and am signing off ESA now as this job offer has really given me the boost I needed and that I never thought Id get. My question is, why do I need to provide this information? How do I go about providing this information? From the DWP? I didnt even know I could get this info.

Hi All, I had was involved in a RTA back in January; happy to say not serious and not my fault. Third Party admitted liability, so I made a direct claim to their insurers, who promptly arranged for repairs to my car, arranged a hire car, and paid out a sum to my passenger in injury compensation. I didn’t make a personal injury claim at the time as I didn’t experience any effects that I could attribute to the accident. However just about a week later I did experience a stiff neck and shoulder pain, also pain down my arm, I knew that it must’ve been as a direct result of the accident, but I was under the impression that I would be out of time to make a claim, so I put it down to experience and forgot all about it. I had a call recently from an accident claims specialist who said that the insurers put aside an amount for injury compensation, I did explain that I thought it would be too late, however the guy was very persistent, so I agreed to make a claim through them. I was passed on to their legal team who took details. I then got this letter from them via email, however something appears to be “Not Quite Right” :- “Dear Mr Murphy Re Your Accident on 29th January 2015 Please note as requested, we have arranged After the Event legal expenses insurance to cover you throughout this case. On the information currently available to us, we believe, that a contract of insurance with AmTrust Europe Legal is appropriate to cover your opponent’s charges and your own disbursements in case you lose. What this means is that if your claim is unsuccessful, the insurance then takes effect to protect you, as previously discussed the premium amount is deferred and costs £350.00 which is payable by you upon conclusion of your claim as it is no longer recoverable from your opponent since the government changed the rules with effect from 1st April 2013. If you lose the premium is still not payable. Full details are contained in the insurance policy documents. It is generally this type of cover which we recommend; we do not have any financial interest in recommending to you AmTrust Europe Legal. We only select from a limited number of insurers for After the Event legal expense insurance contracts but we are not contractually obliged to conduct our business in this way. You can ask us for a list of the insurers that we use. Yours Faithfully” Shall I tell them to go do one, or do think it’s OK Thank for your help Ken