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Speed bumps - who is meant to maintain them !?
HomerRamone posted a topic in General Motoring Issues
Im trying to find out who is responsible for maintain speed bumps - and what the position is regarding the maintenance of them. I know there are various rules about size etc - and this has I believe changed a number of times. But there are a number of bumps around where I live that are quite simply a joke. Some are made of block paving and tarmac, others are preformed things sunk into holes in the road and others are essentially formed lumps of tarmac. Many of these in a shocking state of disrepair and my car struggles with them even at like 10-15 MPH. Some have been very badly repaired others are just falling to bits slowly. I cant seem to find any rules and regs regarding the upkeep of them - whether they are mean to conform to current regs when repair and at yearly intervals or whatever. Anyone help ? Thanks !! -
Basically I have put in a complaint against ebay for an item that I sold to clear which was marked for parts or not working and no refunds accepted as ebay are siding with the buyer and told me to start a return (buyer is non uk resident) however I have responded with an appeal against the decision and a formal complaint. Also this has incensed me so much I have decided to put a petition down if anyone wants to sign it to make ebay treat sellers fairly and stop siding with the buyer to prevent [problem]mers (which is what this buyer is). https://petition.parliament.uk/petitions/179807/sponsors/4dLn9AywqqgsvIT0cBcs If anyone could sign it hopefully there will be enough to make parliament take notice and start taking ebay to task...
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Hello I really need some help please. I bought a solid gold christian name necklace from 'My Name Necklace' and purchased their 12 month warranty at the same time. Just inside the warranty date, the chain broke, I completed the online claim form along with a photo of the broken chain ( The warranty covers chain breakage ) The company emailed soon afterwards on 15th November stating: We apologies for the situation. We can send you another chain. A prepaid return envelope will be sent so that you can return your original item to us.* Please let us know if you agree. Please note that this envelope is already addressed to us and prepaid. Simply place your item in the envelope and drop into any mail box. There is no need to add postage or go to the Post Office. Please let us know if we could be of any further assistance. Best Regards, Allison Brown My Name Necklace Customer Service Team I replied stating I would use the envelope but as the order cost me £116.00, I would not be popping the envelope in a letterbox, and would pay extra to send tracked. 2 weeks passed, and the addressed envelope hadn't arrived, I messaged again to report this, was told that the returns envelope can take up to 3 weeks to reach me. I realised the compary was overseas, so had to accept this. At today's date there's still no envelope I've contacted the company again and they are just lying / fobbing me off by saying they have escalated my complaint, and then I hear no more. I've asked for the company address and they won't supply it. All communication has to be done through their webforms only. I may have found the address through Google search, but it may not be correct: Mynamenecklace 14455 N Hayden Road Suite 226 Scottsdale, AZ 85260 I'm wondering if there is a procedure similar to the UK 'small claims' that can be done with an overseas company? Can anyone advise please? The necklace was my daughters 2015 Christmas present from me. To be honest, she only wore it a handful of times as the chain is so fine, that she was frightened it would break, and unfortunately the chain caught on her jumper, and snapped when she tried to release it, albeit very carefully. Thanks in advance for any advice offered. -
I moved into my new flat in June 2015. I called up the TV License people to say I don't need one, which they said is fine, and I just need to call up every 2 years to remind them. I know it's BS and I don't even need to call them, but I thought I would anyway to see what happens. I've now got a generic letter with "Unlicensed property" in bold across the top, and a threat to pay up before 6th of Jan 2016 or they will pass my address to "Bromley Enforcement Division" for "investigation". The letter even says if I don't need one, then to let them know, and they will send someone to check. Why should I have to notify them a second time within 6 months?
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Hi All, I am a company car driver and I think I've made the fatal mistake of giving PPS my name and address. Long story short: Parked at the Crossways Shopping centre in Paignton and as I had been ill with a stomach bug through the night when I arrived, I was physically ill again (and took a few minutes to gather myself) before I purchased a ticket. They have a photo showing I arrived at 11.24:39 and I have a ticket, valid until 13.43, purchased at 11.43, therefore a period of 19 minutes elapsed between me arriving and buying a ticket. They have stated that they have a 10 minute "grace" period and that I contravened this by 9 minutes, therefore I am liable to a £100 or reduced fee of £60! After my employer received the initial notice, as I assumed I'd done nothing wrong because I had a valid ticket that I assumed they had obviously overlooked, I disclosed my name, address and emailed them accordingly. I've just received a further email telling me my claim has been rejected due to the 9 minutes over that I took to buy the ticket which I find absolutely unbelievable - especially as I left the car park at 12.58 with 45 minutes still remaining on the ticket! what should I do now? many thanks in advance Ian -
This is questionable, Some work coaches are saying the above whilst others claim they can use their own discretion , really that isn't what the DWP's official guidance says about EPS As someone who is very sceptical of the establishment & DWP Sounds like someone was in la la land or stoned maybe, or is there something more sinister at foot , why do this , to cause confusion for fun ? or are they testing the waters, to see how much opposition they meet, before they scrap eps , ? https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/470857/v4am47.pdf -
They shall grow not old as we that are left grow old Age shall not weary them nor the years condemn At the going down of the sun and in the morning We will remember them
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hi all, I have a ccj with Cabot for over £7000 which I have been paying regularly for atleast the past 10yrs. i have started receiving letters from them stating:- "We need your attention - potential legal action", "your credit file indicates that your situation may have changed", The ccj relates to a loan from Bank of Scotland, my situation has not changed, my only income is carers allowance (all other benefits go direct to disabled wife). i do have other debts and pay them off at the same rates per month £5 each, at least one of these debts is held by cabot. at the bottom of the letter there is a brief explanation of what legal action could mean but that refers to a ccj. any thoughts on this would be gratefully recieved sorry if this post is a bit rambling volac123 -
Hi, I'm typing this from a tablet so it will be to the point. I got several texts from this company trying to bluff me into ringing them so I googled them, saw what they did and decided to ignore them. Next arrived 2 letters saying that I owed them £24,000 for an account they bought from HBOS! I've never had any accounts with HBOS and I do not know what the heck is going on! I've read that these parasites are in the business of phishing for debts etc. What can I do? Is there a letter I can sent them to get them to feck off? Thanks! Norm -
Paypal-Does anyone have any problems with them.On Ebay or any other site. I say this because in the last 4 weeks on Ebay my Paypal account has slowly closed on me. Only able to access it at strange times of the day,say 12 midnight or perhaps as i get up early 4 or 5 am. Then a few weeks ago i could not access at all. Usually it says DNS server cannot be found,but everything else in the world can be found. So i am selling on ebay and receiving payments paying postage but cannot access my Paypal account. So really for myself Paypal has turned into a great big savings account with no interest. I personally now have lost all faith in Paypal and looking for an alternative. This might cost me sales but all my eggs are never put in one basket.Just in case. Now this morning at 4-30 by some miracle i managed to access Paypal,i am honoured to have received this privilege.I will send them a letter thanking them. Due to the way things have been going i withdrew my hard earned money and transferred it into my bank whom i have much more faith in. This is what i have been checking each day as my frustration grew.Check it out if you feel so inclined. See what some are saying here and there.And of course is it accurate. Paypal outage map. http://downdetector.com/status/paypal/map/ Just checking my emails a few moments ago i received a email saying. Your Account Has Been Limited Your ΡayΡal account has been limited because we've noticed significant changes in your account activity. As your payment processor, we need to understand these changes better. This account limitation will affect your ability to: Send or receive money Withdraw money Also, you won't be able to: Remove any bank accounts Remove credit cards Close your account Charming,clearly they are the powerful ones and can do what they want at any time. I am invited to go to the resolution centre and say what has happened. If i manage ever to sign in again. Why i withdraw my money instead of leaving it in their hands. Anyway i just wondered what anyone else thinks of Paypal lately. And what are the real alternatives to Paypal when on ebay etc. Thanks Tawnyowl. -
Blemain say I owe them £2946. I have had the loan secured against my house since 2007. They keep sending me letters requesting payment. I'm unable to pay the full amount so I'm wondering if there is anything I can do to setup a payment plan or to even get some of the charges removed They used to charge you when there was no money in the bank. My money used to go in Friday afternoon, and they always tried to take it in the morning. They also used to take it out before bank holiday etc they charged me for that, and they also charged me for every letter they have sent. Any idea what the next step is? Been paying them £ 10 a month for a while, and I'm on a minimum wage.
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nb. subject should be freeholder not leaseholder Hi, in a nutshell we are trying to get information on ground rent owed to freeholder and monies we believe owed to my partner (leaseholder) from the freeholder and not sure what action to take next. Here's the timeline and more information: Dec 2013 Roof of my partner and her then husband (we'll call him Gru) leaks resulting in exterior and interior damage to property Freeholder refuses to make insurance claim as behind on ground rent despite not providing my partner and Gru with required invoices for ground rent Decision made to have work carried out by partner and Gru and pay contractors directly March 2014 Up to date on ground rent Freeholder makes insurance claim Insurance payout agreed by Gru and paid to freeholder - £975 Insurance payout not forwarded on. Not chased due to personal circumstance including partner not living at home. At some point a verbal agreement on paying ground rent was reached with Gru while he resided at the property which my partner was not party to. Still no invoices from freeholder for ground rent. My partner moved back into the property in February 2015 and Gru moved out. May 2015 Letter hand delivered to freeholder (he's local) requesting payment of insurance money June 2015 Second letter sent to freeholder, same as above August 2015 LBA sent to leaseholder threatening court action September 24th 2015 Email sent to leaseholder in last ditch effort to stave off court action September 25th 2015 Reply from freeholder intimating an amicable solution regards offsetting ground rent and insurance payout October 12th 2015 Chased freeholder for information October 19th 2015 Chased freeholder again for information October 19th 2015 Freeholder replied advising still looking for some of the information October 20th 2015 Polite confirmation What action should we take next? I'm aware it's good to show effort to mediate before jumping in with court action and freeholder has shown his desire to counter-sue for ground rent, even though he appears unable or unwilling to provide us with information on how much we owe for ground rent. Not even sure if he can hold onto the insurance money in lieu of ground rent. Any help and advice greatly appreciated. Thanks, Kris -
I have a few debts with Robbers Way and I want them cleared off. Really fed up to back teeth of dealing with them. A friend of mine will kindly borrow me the money and I would sooner pay her than these vultures. Debts I have is an overdraft which Santander closed back in 2010. I have been on a repayment plan offering them £5 ever since. Paid each month and on time. Current balance around £1,200 A credit card which is about £300.00 again similar arrangement. Now what do I offer them? I am on benefits.....I did offer £100.00 and told me NO before. Is there any formula i could use to determine what I pay and ask for help off my friend for. I do want to keep it low as possible but I want these now off my back. Any advice on what to offer...and if they reject it what to do>?
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Our land lord lives on the premises, he is joint land lord with his brother who lives in Australia, The one here, is in massive debt, we are talking £50,000, he uses our front door to his granny flat but we have the run of the rest of the house, we are and have been happy for the past 12 years here, we pay minimal rent while basically keeping the house in sort of repair, we dont have the funds to keep the property as it should, we have just fitted a new kitchen and bathroom at OUR expense, along with many other repairs etc. He has been going down under to visit his brother several times over the past two year or so, I have even asked him if he was thinking of emigrating, he said no, which was obviously a lie, he told my wife yesterday he was moving to Australia on 5th Nov this year, this has come as a bit of a blow as we have lived her for 12 years, how can he just drop all his debt and emigrate....???????????????? we are talking £30-£40,000 on credit cards, which include 2 charges against the property, and about £4500 in water rates, couciil tax coming out of his ears, i mean mega debt (we have checked with the council that we are not libel for the CT arrears) he said we can still rent but we know his brother will hike the rent up to market value, but he wont do the repairs that need doing, we may have an option of buying the property, due to repair of the house that would valued at £100,000, but how would the debts that he has at the property and charges on the house if we buy it. But we think he is lying to appease us, to keep us on the good side and he will still go for good, we know the process of moving and getting accepted takes about 2 years for the application, he says it's all accepted and sorted Now, if he drops us in it which we know he will, is there any way we could put a spanner in the works for him regarding his emigration, if nothing else but to bide us time -
Hey there I was wondering about this for some time. If a debt is sold on to another company does that debt have to be paid? I am presently trying to claim back PPI from a loan I took out some years ago. The short story is that I bought a house and then purchased british gas boiler insurance on their initial visit they conned me into getting a new boiler installed. We could not afford to buy one they offered a loan but I was refused because I was medically retired due to an injury and my only income was a pension and benefits. The BG guy then tried another company in my wife's name and even though she had no income as she was caring for me she got the all clear and her income was what I got lol. Didn't make sense but hey we got the loan The trouble was that we had to agree to pay PPI otherwise we would not get the loan so we were misold the PPI. After a short time we got ourselves into a lot of debt and could not pay this loan. We were eventually taken to County Court and a CCJ was issued against my wife (loan was only in her name). We could not keep up payments so along with bailiffs etc it ended up as a Charging order against our property. A few years later we moved home and the debt was paid in full. That is the background story lol. My wife made a complaint to British Gas about the PPI but we had no information as we didn't have a clue and stress was through the roof etc etc. We didn't keep records and kept burying our heads in the sand. The guy from BG who was investigating the claim wrote back to us saying that he contacted the loan company but they had no records so he could not proceed any further with the complaint ... . Right cop out!! I have since got a lot more information and have sent it to him so he should be able to do some digging. My question isn't about the PPI thing as that is ongoing and we were clearly misold it My question is that the debt was sold on to another company and we ended up paying them the full wack which was over £5,000. Was it lawful for a company that purchased a debt to make a charging order and make us pay the full amount?? Is there any way I can claim back the money I paid to the collection agency that bought the debt now that it has been paid in full. The company was Aktiv Kapital. I see that people are getting off paying debt to these companies so was wondering what the score is?? Thanx for any help in advance -
Hi, I cancelled my direct debit after the 12 month contract, received a swift letter from harlands stating I need to setup the Direct Debit otherwise I'll face a £25.00 administration fee. I was writing them a letter with the following (template used): I refer to your letter of 09/12/2015. My agreement with Xercise4Less was for a minimum of 12 months. The first payment was for the amount of £34.99 (joining fee + first monthly payment), dated 02/11/2014. The remaining payments were taken on the 2nd of every month up to and including 02/11/2015 with one additional monthly payment of £14.99 after the agreed minimum contract period, taken 02/12/2015. I cancelled my Direct Debit mandate on 07/12/2015 and this was adequate notice of my cancellation of the agreement, as per the case of The OFT v Ashbourne Mgt Services Ltd in 2011. I now realise I should have paid one further month's fee for the notice period and am willing to offer you £14.99 now. If you confirm in writing within 14 days that you'll accept £14.99 in full settlement of all amounts due, I will pay it promptly. If you fail to accept my offer within 14 days, or if you demand any administration or cancellation fees (unlawful penalties), my offer will be withdrawn and I may ignore further demands from you and/or CRS. Such demands may be reported to Trading Standards. Yours faithfully, However, I can't find my W-number in my email folders to add to the letter, just the reference number from the letter they sent regarding reinstating my Direct Debit. Should I just use the reference number quoted on the letter or? Additionally, what legal leverage do I hold on the situation? Thanks -
I've done some reading but it's hard finding the answer. Since private companies can't fine you, what realistically happens if you just ignore them? Do they have any mechanism for forcing payment? I understand they could sue under contract law, but what are the odds of that? -
Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the loan was sold on by Lloyds and I've been paying it back ever since. I didn't go bankrupt or anything like that, and the loan wasn't a large sum of money. But I lost the business bank account in the process. I've been paying off the loan ever since through a debt consolidation company and all is fine in that regard. I was wondering if I'm likely to experience issues when opening a business bank account now? I'd use a different bank and I wouldn't be looking to get a loan or anything like that. It would purely be myself and my business partner using it as our official business bank account. Any help on this would be much appreciated, -
Around a year or two ago the an underground ditch drain pipe started to leak and come up after some heavy rain, my parents who were living here at the time called the council to get it fixed. The council then dug up the drain but left it as an open ditch on our land, without asking us first... (we would have said no) The council refuse to correct the damage done, and say we must pay to repair it ourselves or pay them to do it. We never asked them to dig up the ditch. They did that on there own accord. Do we have any legal backing to force them to correct the damage done? And can this work be classed as criminal damage as it was done without our blessing?
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So, I was an irresponsible student who racked up some defaults for a small amount of 2500 I am in a position to settle these debts now, but many of them are very close to being statute barred, my main query is, if I was to settle these debt, how long until I would expect to see an improvement in my credit file?
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I've had an issue with a PCN going on for a little while. Essentially I got no ticket on my vehicle and no communication from the LA, the first I heard of it was when the TEC sent the order for recovery I completed a witness statement which was accepted, then the same thing happened again. Again I completed a witness statement which was accepted, this time the LA said they wouldn't accept it and would continue to pursure for recovery under the order (which had been cancelled!) After I challenged the legality of this, they eventually issued an NTO. I raised representations which were rejected so I took it to the TPT. At the hearing my appeal was upheld and the TPT confirmed in writing that they had directed the council to cancel the ticket. I am well aware that the council is aware of the hearing since they send a bundle to it and I've had no communication from them in over a year (the hearing took a long time). The council has now ignored the hearing outcome and sent out a charge certificate on what is now a cancelled PCN! There can be no claim of 'crossing with post' as this has been sent 5 weeks after the hearing. I've already fired off an email demanding they withdraw it, but this is now the second time the council has acted what I believe to be illegally. What's the best way forward if they ignore my email and escalate it to the TEC again? Is there any action I can take based on the actions they've already taken? -
Have read a few threads on this company as I have now had the misfortune of having to deal with them! I have (or had) a secured loan with Black Horse Finance, they have now sold it on to Idem Servicing so it looks like after reading about them I will start getting hassles I guess The first dealings with them are a negative (tell solicitor one thing then tell me something different). Fingers crossed they don't get too annoying!
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I was wondering if anyone who has, or has had, a mortgage with DB Mortgages has managed to get approval from them to port their mortgage? If so when was this, what were the circumstances, i.e. buying new house or downsizing, and what were the criteria that they insisted upon. Also how long did the process take and were their any 'pitfalls' along the way? I am asking as it something they say they do and which I would like to do with my mortgage with them. I am looking to downsize house, release some equity and with some of it pay a lump off the current outstanding balance, not increase the term but reduce the mortgage size by 30%. Dealing with them is never straightforward so thought would ask the users for experiences! Thank you -
Hello everyone, Credit card- Citi with Cabot Financial Europe. I am paying to Clarity (online payment via their website) which I guess has been employed by Cabot to take the payments of £1 since 2013. Noddle is updated by Cabot on regular basis showing –£1 each month. Information on Noddle: Account start date 07/2007, opening balance £1436, default balance £1436 ,date of default 06/2010. Between 2010 and 2013 I was paying more than £1 a month so the current balance is down to around £590. The last letter I have received from them is a confirmation of arrangement for £1 a month with Clarity. I called Citi years ago to ask them for more information regarding the debt and about Clarity. They could not find anything in my name with their bank and explained they do not have credit card department anymore as they no longer offer any credit cards and as far as they are aware I don’t owe them anything. They could not give me any information about PPI either.. .They never wrote to me to explain that they ‘sold’ my debt as far as I remember. I sent them CCA request as advised by the helpful people here. They have received my change of address letter and the CCA on Friday 8th of January, 2016 - I can confirm that because I sent it Recorded. This morning they called me but I did not answer. T hey left a voice mail asking me to call them back. I did not provide them with my telephone number on the change of address letter or the CCA request (only address but I guess they have my telephone number from previous contact with them back in 2012-2013). Should I call them or ignore? Why are they calling me?! Anybody with similar experience? -
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