Hi I've attached a PDF with information about the ticket received, not much information on it as I've not received a NTK as yet, but before I waste everyone's time I wanted to ask if I should even be contesting the charge. In a nutshell, parked and bought my hour's ticket, car park was pretty much empty, my ticket was until 4.40pm, parking charge issued at 4.51pm and I got back to my car at 4.52pm, so bottom line is I was in the wrong, however I think being charged £60 rising to £100 is a bit much seeing as the car park was practically empty and I wasn't hours and hours late. In my mind the company has not lost £100 by me being a few minutes late to an empty car park. If the general consensus is that I should suck it up and pay, then I will, but if you think it's worth contesting, I'd be really grateful of advice as to how to go about it. For windscreen tickets (NTD) please answer the following questions. 1 The date of infringement? 08/02/17 2 Did you appeal to the parking company? Not yet If yes, has there been any response? If no, have you received a Notice To Keeper? (NTK) Did the NTK provide photographic evidence? No NTK received as yet 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] 5 Who is the parking company? UK Parking Control Ltd thanks WeldersWife Parking.pdf

Hi, I'm in a regulated tenancy. The rent's just gone up. The council, who pay my rent (I was on ESA in the SG long term, now I'm on GPC), are now complaining they overpaid on the old rent. They are threatening to suspend my HB claim or get the alleged overpayments back, presumably by underpaying the existing rent till they think we're square. They aren't offering any evidence of overpayment, however. My landlords, who have contacted them about this by email and ccd me on it, say the council always have been and are paying the correct rent, and have briefly broken down how the rent is arrived at for them. The council refuse to accept their figures and insist they've been overpaying. I want to see evidence of what they've been paying so I'd like to do a SAR; to whom should I address it please? I have the details of the head of housing benefit and they'd seem to be the right person. Perhaps you could either confirm that or make a better suggestion? Many thanks, SWLABR

Hello Everyone. As per the thread title. I had one "bounced" direct debit to Close Finance. They have immediately issued a default notice. This is the first missed payment on a insurance repayment account in around 13 years. They are enforcing a "we may charge £30.00 for a missed payment. As before any help, comments and advise would be welcome. Thanks Regard t

I started a job on 9th March as a GP receptionist which is a role I wanted to do for a while. Unfortunately I fell ill with Bells Palsy a few months later and have not been to work since 2nd June. I currently receive SSP from my employers and send in regularly Fitness to Work certificates as I have had another condition brought on by Bells Palsy. Anyway to cut a long story short, I previously went a Welfare Meeting at work and it was agreed that I would return to work for 4 hours a day when I was well enough however I have now seen a neurologist who has diagnosed me with a condition called FNsD (Functional Neurological symptoms Disorder). Basically I get very bad migraines which affect my speech. The migraines are triggered by the cold, heat, humid conditions, stress, hunger, tiredness and over exertion...yes alot. My speech becomes slurred so it is difficult to speak but also difficult for people to understand me. I saw my GP today who although said that I could try to work 4 hours a day but recommended that I try a role nearer to my home (my travelling time to and from work is between 1 and a half to 2 hours each way) and a role that does not require me to talk constantly. Although I would like to return to my role, I am conscious that I may be off work again due to migraines or would have to leave work if I experience one. I was thinking that if I had to leave work, I would volunteer for a few hours a week in a role of interest but in terms of entitlement to benefits, what would my options be???

Hi all. My car has been off road in a friend's MOT garage since July 2015, I genuinely thought I had declared it SORN. Tonight I have tried to transfer the private plate from it but DVLA told me that I have to decalre it SORN first. I did this by automated phone call but then spoke to a DVLA person who said that I must pay the missing period of taxation before I can transfer the plate. However, a previous call handler hinted that there is a way out of this? Any advice would be greatly received.

I am about to send a SAR to a health insurance Company who have prevaricated, back tracked on their agreement and generally caused unneccessary pain and anxiety before during and after an operation. Should I be able to get details of conversations, messages etc between the surgeons dealing with the Insurance company or just communications between the Company and me? It would help if I knew what to expect to get from them.

Hello, (Please excuse me if this has been posted in the wrong section). I recently found out I have a CCJ against my name and credit record etc. However the debt isn't mine, it is my Dad's, but we have the same name. I took a mobile phone contract out with Orange a few years ago (2010 my first contract), after a while I set up another mobile phone contract under my account for my Dad. After his two year contract passed EE (was Orange) contacted him for an upgrade, which he accepted but requested that the number and contract be severed from my account and a new one set up under his own name and details, which at the time EE said they could do so. Six months later my Dad's contract was cancelled and the debt defaulted. I only found this out a further three months later (November 15') when I tried switching from Orange (My contract was still under Orange) to O2 but they withheld my number transfer because of this unpaid debt. This is when we found out EE hadn't set up a new separate account for my Dad and kept the two mobile contracts under my account. When I tried to resolve this with EE they already sold the debt on to a collection agency. I left this with my Dad to rectify and repay. Fast forward to July 16' and the original debt collection agency had passed the debt onto another collection agency, and these guys sent notification of an application for a CCJ. During this time my Dad was recovering from severe health problems and ignored all these letters, thinking they were for him when in actual fact they had been for me. I only found this out when I applied for a small ( The judgement was made in my absence in August 16' as no defence was submitted. I contacted the County Court earlier this month stating this isn't my debt it is my Dad's, they referred us back to the debt collection agencies who then referred us back to EE who then referred us back to the debt collection agencies who referred us back to the County Court and the cycle continues. This CCJ should be for my Dad not me, we have no problem paying off the debt sum (around £580) but if I agree a payment and a certificate of satisfaction, the CCJ will still be on my credit record when it shouldn't be there it should be on my Dad's and I need the Court to change this. Now I know I've missed the deadline to submit a defence and ask for a set aside, but I am aware I can still apply for a set aside (sooner rather than later) so I can submit my defence on this CCJ (pretty much what I've wrote above) but my concern is paying for this application (an N244 form?) and it being rejected and having this CCJ on my record when it doesn't belong to me and affectively pausing my future for the next six years. I've been in regular contact with the debt collection agency and I would like to see if they'd agree to a set aside too as they're aware of the situation, the debt should be assigned to my Dad not me, but they may not agree to it which makes it a bit trickier with the County Court if they reject it too. I'm just looking for advice from anyone who has been in a similar situation, whether or not a CCJ can be changed to a different person (even if that person admits it is their debt)? Is the outlook of my next six years bleak? How do I pay the N244(?) form when I send it to the County Court? I appreciate your time reading the above and any feedback is most welcome, Thank you.

Hello, I have recently received a liability notice from the P.C.P enforcement agency. I was advised by my colleagues that I should ignore a parking ticket that I recieved whilst parked on hospital grounds whilst at work. I got a PCN letter sent to my house addressed to me and ignored that too. Subsequently have now recieved a liability notice which has got me a little twitched. Should I continue to ignore this letter or pay it? I did phone the company who states it is too late to appeal and was advised to email a company that when checked on Google has no links to parking from what I can tell?! This company has nothing to do with parking... I'm so confused??? I don't want to go to court which the letter states will be the next action unless I pay £100 fine?! Can anyone help?

Hi all. New to this and please excuse what is no doubt my own naivety thats got me in this situation. Last week, I concluded my search for a new car, Volvo V50 SE Lux 2008. Lovely car, tidy inside and had a very high spec. The own of the local dealer I bought it from may have spun me a bit of a yarn.... The car had a high level of road noise which he said was down to the tyre tread being a bit low. This seemed fair as it is a problem on these vehicles. I changed the to front tyres at £90 each and this made no difference to the noise at all. I knew also that front breaks were due soon hence I knocked his price down to cater for this. I have put new discs and pads on the car and that has made no difference. £170 for that. The next possibility is that it is the wheel bearings that need replacing which will be another £400. If it is not the wheel bearing then it could possibly be a gearbox problem which will cost a fortune. The car is otherwise perfect and I love it so I am inclined to replace the wheel bearings but if it turns out to be something else can I still reject the car and am I in a position to also claim back the cost of the above bearings, brakes and tyres? When I test drove the car, the seller said that when it went for MOT, "the mechanics had given it a thorough check over and they assured me the road noise was simply tyre related." Any thoughts or tips would be gratefully received.

Hi everyone, I'm new here I was involved in a lorry crash in early October and the lorry driver admitted full liability, so this is not in dispute. The original arrangement to sort out the mess to my car (he squashed the side of it) was to deal with it all privately through his own company. I was given details of who I should contact to arrange this. I thought this was a good idea becuase I thought if I went through my own insurance to sort it out with their insurance company, I would probably end up with a premium hike. I was keen to avoid that, so I just reported the accident instead and decided to do it all privately. I was contacted shortly after the accident by a claims management company who asked to do their own assessment on my car to ascertain the extent of damage. I had already done one of my own, got a quote for the damage. The quote itself cost £30. I told the claims management company that I needed my own garage to do the work because I was on a PCP Agreement and the terms stipulated that my own garage should do any repairs, preferably, to ensure original parts were used for replacements. I had to agree to the claims management company to do their own too. I was quite cross to see the Agent looking over my car in the forecourt of my house without having first knocked on my door. I noticed him out of the window. After he came and went, I had first told him about the Quote I already had paid for from my own garage - making it clear to him that those repairs would need to be done, not any revised work they might consider necessary instead. He said he would contact my garage for a copy of that. A few weeks later I got a call from another guy from the same claims management company who virtually accused me of having diddled the quote, asking for more work than was necessary - a complete re-spray - which was not necessary. I told him in no uncertain terms that the garage I got the quote from was bona fide and had a duty of care not to over-stipulate the work required by law when I checked it later, after the call, a re-spray wasn't even listed on it. I rang him again and told him that what was on that quote was the work I needed doing and they THEY would be paying for it. That was all there was to it, as far as I was concerned. He then told me that when he had contacted my garage for the quote, my garage had since refused to do this work for me - even though they had not told me personally about that decision. I rang them myself and they told me that they had said nothing of the kind but they did need a work repairs number to authorise payment from this claims management company or they could not begin work without it. I rang back the claim management guy what the outcome was at the claims management company and he agreed to go ahead with it all. I then put all this in writing this time, asking him specifically to reassure me that they would provide a works repair number to my garage to do the repairs, as per the quote they had originally given me. I also said in my email that the work may not be in full and final settlement if they discovered more needed to be done down the line and to confirm that they understood this. I did not get this, just a go ahead to book the garage. Since then I have done nothing at all to get the car repaired. I have been borrowing cars in my job lent to me by other clients, so my car has not been used much. However, I have been thinking about all of this and feel distinctly uneasy about going through this claims management company who are billing the company direct and leaving their own insurance company out of it. I feel now, given the messing about, the implied accusations, that the claims management company and my garage could easily cook up a deal behind my back to do less than was on the quote - so that the company pays less, but I don't get a comparable car back to what it was like before the crash. I now feel I want to chuck in all these behind the scenes arrangements, get in touch with their own insurance company and get them to instigate the repairs. I still don't intend to get my own insurance company involved though. Do you think I am being paranoid or do you think I am being set up for a fall? The works quote my garage compiled for the £30 charge is around £4300 worth of damage with a list of work to be carried out (and says nothing about a re-spray). My car is quite new and was not written off by the claim's management guy that looked over the car, even though it was officially worth £6800 at the time of the accident. The claims management company who are dealing with this on behalf of the lorry driver's company has issued a 'retail' works reference (not an insurance one). NB: Another thing I do not like about this private arrangement is that there are too many parties involved - the lorry driver's company, a company they speak to about repairs, the repair's department claim's management company (who also apparently work for the insurance company who they are not involving). It all seems too complicated to me. The last thing I want is to be taken for a ride and shafted in some way. Any advice from those who might be able to offer sound, constructive advice about this please?

Hi We are currently in dispute with a builder. We have taken all appropriate pre-court action steps and are now at the point of submitting an N1 form to kick off a claim. Could someone tell me if any supporting evidence is supposed to be enclosed with this claim form? Or will this be requested later? We have quite a file of letters and expert reports and we are not sure at what point these come into play. Also, (maybe a silly question but I want to do this right). If there is not enough form for the particulars of the claim in the space provided, can you use this space plus another sheet or are you only supposed to use one or the other i.e. it does give the option of 'attached.' I reaslise these particulars are supposed to be fairly concise. Thanks in advance.

I have been in my temporary job since June of this year (was out of work for over a year) which I got through an agency. However, over the last few weeks there has been limited of things for me to do during the day which has mainly been filing. I know I should speak to the agency but would I get into trouble if I said something about how unhappy I am? I am also looking for other jobs at the moment. Thanks and hope the above makes sense.

I have been with Step Change (CCCS ) for over ten years now, they have recently threatened to close my account with them and would seem to be wanting me to take out equity release to clear the remainder of my debts as they say they are now licensed to do this . They also wanted me to contact my debtors by telephone ( all now with DCAs ) and to start to go through the security process just to see whose debt belongs to who ? Either me my wife or jointly if I failed the security checks then it would be my wife's etc. So instead of this I have sent a CCA request to each one. Today the first one has come back from AMEX via NCO. They have sent their terms and conditions from 2003 ( reconstituted ) with no signatures or dates ( credit agreement regulated by the consumer credit act 1974 ) They have also sent my latest statement showing the last payment from Step Change and my current balance and a summary of Credit Card Benefits Section 1. Finally a photocopy of a 60 second application form. This does contain my signature and is dated but where it says authorised by Amex nothing ! They have not signed or dated the agreement. In their letter they say These documents form the executed agreement between me and american express. We trust this resolves your request. Is this valid as I need to know what to look for ? Or what is legally correct ? BTW I did an experian credit check and nothing is showing and my credit score was 997.

In the first instance, don’t delay…but whatever you do….don’t rush into issuing an injunction (more on this in my second post). Why has my car been taken? In most cases, the vehicle would have been taken because it had been identified by a bailiff using ANPR (Automatic Number Plate Recognition) in relation to unpaid penalty charge notices owed by the previous owner. Why this happens is because the warrant carries upon it the vehicle registration number of the vehicle involved in the parking contravention. Will the bailiff company give me my car back? Unfortunately, without documentary evidence being provided to support the sale, the vehicle will be unlikely to be released. Why is this? Bailiff companies frequently come across cases where a vehicle has ‘allegedly' been 'sold’ in order to assist the ‘real owner’ evade payment of their parking debts. In other words, it can be fairly common for 'sales’ to be ‘bogus’. It is vehicle owners such as these, that are to blame for genuine purchasers being required to provide so much documentary evidence. What do I need to do? In the first instance, ask a question on the bailiff section of the forum. If your car has been taken, you will need to contact the enforcement company as soon as possible to make a Part 85 Claim . This claim must be submitted within 7 days . Almost all companies will ask you to provide the following five items as evidence. Most of the larger companies have their own set Questionnaires. V5c Log Book If the purchase was a recent one, this document can be difficult to provide as it can take up to 4 weeks for the new V5c to be processed by DVLA. If this document is not available, you should provide the tear off New Keeper supplement from the Log Book. Proof of Purchase. If payment for the vehicle purchase had been made by bank transfer, this is ideal. If payment had been made by cash….this can be problematic. Most enforcement companies will request evidence by way of a bank statement showing cash being withdrawn a few days before the purchase. You will also be required to provide a copy of the sales receipt. How the purchase came about. If the car was purchased via eBay, Gumtree, Auto Trader or a garage etc, then a copy of the advert and receipt will be required. If the purchase has been via a friend or relative, this can be problematical. Once again, please post a question on the forum. Copy of vehicle insurance. This will be one of the most important documents. It is a criminal offence to keep a vehicle on a public highway without insurance and all enforcement companies will require some evidence that the new owner has obtained insurance within a day or so of the purchase. If the vehicle is not kept on a highway, evidence of SORN registration should be provided. Evidence that road fund licence has been purchased. Most new vehicle owners will tax their vehicle online with DVLA and will either make a one off payment or monthly instalments. A copy of the bank statement evidencing that road fund licence was obtained around the time of the purchase will need to be provided.

Hi, on 25th I was taken 244,61f from my account by Direct Debit from O2. They said it was mistake but I know people that was edited like that before. O2 said to use Indemnity Claim (firstly they said they are refunding me but after few chats they said they didn't - pure edited). I contacted Barclays like 5-6 times. Everyone edited or ignores the matter. I have proof on chatts that different customer service write that indemnity claim is succesful and I will get my money back but after 2.5 days I don't have nothing. I have just called on barclays helpline and some guy edited told me that they need 2 more days (he didn't even check anything). I told that I want to speak with Branch Manager - he told ok and put me on hold and then he disconnected !! I have a problem because now I am abroad - normally I would go to the bank and won't leave without my money. Just a good thing I know now that Barclays are edited same as O2. Never go to them. I am taking my money from their accounts as soon as I can. What should I do with 244,61f - should I sue them? Barclays as an UK bank is obligated to use in this matter DD guarantee - and I should get my money asap. Tomorrow I will propably call a lawyer and will see how it goes from there.

I was taken by a confidence trickster on Gumtree last week to the tune of £730. they got me to transfer the money to a Barclays account and used a passport and Barclay's account statement to establish that he was bonafide. A few days after the money was transferred, I got an email from Gumtree to say that this person was a fraudster. I contacted Action Fraud (which only seems to be a way for the police to do absolutely nothing about fraud), my own bank, Santander (who told me as I had willingly paid the money, I couldn't claim from them) and Barclays, from whom I have just had an out-of-office email reply. First things first - how is bank transfer fraud and different from credit card fraud? In both cases the money is paid willingly, yet you are covered when you are defrauded by credit card. The next thing is, how could Barclays have allowed this criminal to open and operate an account with them. If the details he gave me are as a result of identity theft, then the bank should know this. Anyone who opens a bank account has to supply personal details which the bank has to check vigorously to ensure they are legitimate. So as far as I'm concerned, Barclays hasn't done enough to ensure I was not a victim of fraud by one of their customers. So would it be feasible to sue Barclays to have my money repaid, based on these reasons?

Consumers who are forced to have prepayment energy meters put in should face a maximum installation fee of £150, the regulator has proposed. Currently such energy users - already the most vulnerable to debt - face a charge of up to £900, said Ofgem. As many as 4.5 million people use prepayment meters for electricity, while 3.5 million use them for gas. Ofgem is suggesting that the maximum fee should be between £100 and £150. For particularly vulnerable consumers, such as those in financial hardship or those with health issues, it says there should be no charge at all. http://www.bbc.co.uk/news/business-37349013 Ofgem is now inviting comments and responses to its plans before it finalises them in Novembe and. has published a series of proposals

I always find it interesting when an MP is caught doing something which might not be criminal, but brings into question their moral integrity, as well as creating a potential cause for blackmail to keep something private. Without talking about the latest news story or the MP involved, it would be interesting to gain opinion about when people think an MP should resign. Should an MP resign if they have been unfaithful to their married partner, without them knowing i.e no open marriage or no breakdown in relationship before affair ? If they are presenting a happy family life to voters and then privately behaving differently, would you still trust them as an MP ? If an MP has been a prominent campaigner for road safety and against speeding, is banned from driving due to speeding offences ? If an MP has been found to be a regular drug user, but not convicted of any offence, but has voted regularly in Parliament against decriminalising drug usage, should they resign, as they are unfit to perform their job on behalf of constituents ? Should an MP only be required to resign if they have been convicted of a criminal offence ?

Hi so, I will try to be succinct! We all know the law changed, but I didn't quite get it. I bought a car second hand, it came with a tax disk, I thought I was fine for a few months. Obviously I wasn't, I understand that, and am happy to pay a REASONABLE amount because of this. I was caught on camera on 21st December near Oxford. I was caught on my home street in London on 13th January. I was clamped on 14th of January, costing me £100 to get out. I taxed my car that same day. On 15th January I get two letters, both dated 14th January - obviously these would not be received until after I got clamped. One letter referred to being caught on camera in December, charging me £117. The second letter referred to being caught on 13th January, asking me to pay £145. On phoning the DVLA, I was told I am supposed to pay BOTH fines. PLUS the £100 for the clamping. DO the maths if you want but it's a lot of money, for one (accidental) offence. I wrote a nice long, detailed letter of appeal, asking for a reasonable reduction and consolidation of these "out of court settlements). I have just received a letter telling me that none of my reasons were valid, and I still have to pay everything. Shall I fight it? It seems a crazy system, even if I swallow the fee for the clamping, having to pay twice for the same offence. And the fact that they seem to have KEPT THE DECEMBER OFFENCE BACK UNTIL THEY CAUGHT ME AGAIN, SENDING LETTERS FOR BOTH THE OFFENCES ON THE SAME DAY seems either very sneaky, to get maximum money from me, or at least very bad admin. If I do fight it, where will the court case be held? Locally to me or in Swansea? Anyone know? If I do fight it, how much might I have to pay if I lose? If I do fight it, anyone know my chances? Should I just pay because offences are offences? Thanks all, looking forward to hearing your thoughts. Jon

I am mightily confused. I have been signing on for 12 months, at the start of my claim I signed a claimant commitment stating I will do X number of steps each week to find work, IE look in papers, ask family and friends, use UJM etc. I completed my job search online and always filled in my activity history on UJM, ensuring I recorded X number of steps as required in my claimant commitment. Part way through the year I was told not to use UJM instead I was given a paper template to fill that stated I must do 35 hours job search per week, this had a section to fill stating the time each task took. Some time later I was issued with a pie chart diagram which showed different activities I could include in my 35 hour job search. Now I have been given another paper template form which states I have to apply for and record 10 vacancies jobs per week. What the heck as happened to my claimant commitment, no where in that did I agree to a 35 hour week job search nor did it state when I signed it that it was a requirement. Secondly, I would never agree to applying for X amount of vacancies per week , what if the only suitable vacancies are ones I have already applied for. And now they have just reissued me a new claimant commitment to sign which is basically same as my old one except they have added “ engage with the work program” Can they enforce this 10 job application rule and what is in place to prevent me from just jotting down bogus applications. Obviously I am fulfilling my claimant commitment still but as there is no actual way to record that activity any more am I even obligated to carry it out. From what I can gather the 35 hour per week is only a suggestion and not enforceable as long as client shows they have took reasonable steps they cannot be sanctioned but I cannot find any info at all regarding the 10 vacancies per week.

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.

Hello, first post here having read through other threads. I received a FCN from Napier after parking at Willen Lake, i bought a ticket and it appeared to have blown off my dash into the footwell of my car. I returned to my car to find an FCN on the windscreen asking for payment of £80 or a reduced charge of £45 if paid within 14 days. I appealed to Napier through their online procedure explaining this situation and attaching a picture of my ticket. However they responded with a letter attached to an email stating that because i failed to ensure the ticket was displayed that im still expected to pay. In this letter though, it now says they will accept a £25 payment as a show of good will. Very simply should i just accept this and pay them, or is ignoring further correspondence the best route to take?

Tawnyowl here with how to completely mess your car insurance up.Through rushing,not checking,many things. Now when i write a story when completely stressed out with a situation i mix a lighter look at things,helps me cope somehow.Knocking on a bit now so things prey on my mind.Especially after reading many stories over many years in the CAG So i hope before you read this you can understand that.I expect some stick,fair enough i can take that. I might even make a couple of mistakes but over time things usually become clear. Writing this at 1 in the morning so it is bothering me slightly. Been a driver for 29 years,no accidents apart from two write offs when i was not in my cars. One a lad borrowed his mums car and wrote my Ford Capri 1.6 off after flying round a corner. I was working on a clients house many years ago,rather large and did not hear the crash. Client came home at dinnertime and said have you seen your car.No i replied so went outside and there it was about one third the size it was when i parked it. Nobody hurt thank goodness. Glad i did not hear it really because i was papering rather a large hallway where one roll did one drop, i might have fallen off my ladder and double trouble then. Other when i was in a shop,a wagon reversed slowly into my car and wrote it off once again. Thought i was in Beadles about or Smile You Are On Candid Camera,completely unreal to watch such a thing. So two cars written off speed travelling 0 miles per hour. Move on many years end up with Saga,very cool,nice quotes everything great,1O Years plus no claims. Then my daughter wants to drive,so i say well young owl,i will phone Saga and insure you. Put you on my insurance so you can learn to drive. The old owl gets on the blower to Saga saying my young owlet wants to learn to drive so can you insure her on my insurance. No sorry no youngsters taken on under twenty five years old. Well my eyes glazed over and feathers drooped,sad that i had to say goodbye to Saga and move on. At the time i was looking at a quote 200 fully comp with breakdown 3 years no claims only because i had had a break for a couple of years previously. So i must admit the insurance market had me baffled slightly but googled away and cheapest seemed to be One Direct,1043.94p A great shock to me,but had to be done,wanted to help youngster. Struggled to pay each month,in fact late payments perhaps 50% of the time but always paid including charges. Anyway,received late payment letter,could not get through to usual place so paid,in a rush by card direct to One Call. On web including usual late payment charges. Received this back. . Dear Tawnyowl.6th April. Thank you for keeping your policy up to date. Your request has been sent to our renewals team who will manually process the payment. Please note that funds will not immediately debit from your account until the payment has been accepted. Cover will not commence until you receive confirmation that cover is in force and payment has been processed. One Call do not accept responsibility or liability until we have issued your policy documents to you. Now i did not think much about this and left it.15 th April comes, Policy started on 15th Oct cancelled on 15th April letter said Cost of Insurance 1043.94 Discounts applied to policy 15.00 Cancellation charge +55.99. Total cancellation cost 617.29.Amount paid 538.99 Balance to pay 78.30 not challenging the cancellation.Late payment made but perhaps to wrong dept,gave policy number. Panic set in,good grief if i had travelled yesterday i would not have been insured,Was my thought. Feathers nearly fell out,just imagine that. Did not think clearly,just wanted insurance as quick as,so googled away and found one Autonet. About 600 including breakdown.Myself only.Talked to them about cancellation on phone,had to tell them i thought. Asked Saga did not want to touch me because of cancellation.I had to tell them i thought. Daughter is going on crash course ready to take test,just wanted any bad habits i may have passed on to be ironed out. Daughter had had lessons before i gave her extra ones. Autonet want proof of NCD or i suppose another cancellation is looming. Thought to myself this insurance is sure costing a bit,let me root out the paperwork see why. Then i noticed One Call had me down for 0 years NCD- Good grief i must have on inception put 0 years NCD so must have paid more last year. I will phone One Call and try to sort this.Tell them last year was wrong and should have been 3 years NCD. Not try to get anything back just update things. After explaining,final quote from them was. So i talked to Autonet again,their reply after chatting away. It may reduce the premium slightly by applying the extra 2 year discount, yes. We do need this to be your most up to date no claims bonus. If you double check this and then come back, we can then look in to this for you. But at the moment One Call have me down as 0 years NCD what a mess,to put it mildly. Because when Autonet receive that proof it will be 0 years,and puff up in smoke goes my insurance again. Or increased massively. Should be 4 years NCB I am 1-Thinking of challenging One Calls cancellation charge as payment was made to the company. Thoughts are Shame they do not check all NCD whether 10 years or no years just in case someone makes a mistake. Benefits one way it seems.If there is a NCD Data Base,does anyone know if there is such a thing. Well i do not expect many if any replies but just thought i would pop in and show you what a mess i have managed to make on my insurance. And who knows may help someone,kind off do not rush,take your time when getting insured. Keep things filed,easy to get at,not like myself forgotten about,thrown in a box somewhere. At the moment i feel i am Donate to the Insurance Industry on a giant scale. Well good morning to you all,enjoy the Bank Holiday Weekend,when it arrives,it is a little cool though. The problem is off my chest now, written down so a hot chocolate and off to roost. What will be,will be.

Since the introduction of the Taking Control of Goods Regulations 2013, it has been very interesting to observe the number of forum posts (here and on all other websites) where debtors (and indeed regular forum posters) consider that in cases where a debtor is identified as being ''vulnerable', that the local authority (or creditor) should be obliged to recall the account from an enforcement agent.....and remove all bailiff fees. In the majority of cases, the fees under discussion will be £310, consisting of a Compliance Fee of £75 (applied when sending the Notice of Enforcement) and an Enforcement Fee of £235 (applied when an enforcement agent attends the debtors premises in person). In the following post I have outlined my opinion on the above.

Background: last fiscal year 2015-6 I claimed working tax credits for 5 months, ending in February 2016. Since then a mix of JSA, volunteering and part time work. This week I started full time work and I was thinking of starting a fresh claim. However I've just received the tax credit renewal pack for this current year, plus the annual review for last year. I'm not really sure if I should make a fresh claim or use the online tool to renew my tax credits. On the gov.UK page: https://online.hmrc.gov.uk/shortforms/form/TCCF makes me think a fresh claim only applies to those who have never applied for WTC. Can anybody clarify this point to me? Thanks