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We all (hopefully) know that continuing to use Windows XP is a risky business. The operating system stopped receiving security patches from Microsoft in April 2014, which means anyone still relying on the platform is at risk of being impacted by vulnerabilities that are being fixed in more modern versions of the operating system. In other words, XP users are living in a state of perpetual zero-day. But, perhaps you decided to persist with Windows XP, despite the pleas from Microsoft to give it up, and the advice of security professionals. Maybe you decided to run a freebie anti-virus solution like Microsoft Security Essentials on your XP computers in an attempt to protect yourself from the uptick in vulnerability threats and malware attacks. Well, now you have an additional problem. Because Microsoft officially ends XP support for its Malicious Software Removal Tool and updates for Microsoft Security Essentials today. Actually it ended on the 14th -
Hello good people, I'm receiving ESA, the higher element and am also living in a property supplied by my local London Borough costed as Temporary Emergency Housing since my break down in 2012. I've been offered a 'break', a holiday of sorts in Broadstairs on the Kent Coast next month for five days. No cash just a stay outside of town no remuneration. Although I've seen little activity regarding the Council, Brent, checking on my personal occupational life, in Haringey, I don't want to give the paying authority for my HB any excuse to cut me off at the knees! Help and advice would be welcome, Peter. PS should probably have posted under a pseudonym but I'm trying to stay above the radar. -
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Last week yet another debtor appeared in court for cutting off a wheel clamp. In this case, a bailiff from JBW Group applied a wheel clamp to the debtors car in relation to a debt for council tax. The debtor 'claimed' that he thought that the clamp had been left on his car by a friend as a joke and accordingly, he used an angle grinder to remove the clamp. Clearly the court did not believe his story and after admitting causing criminal damage the court ordered him to pay £435 which was made up of a fine of £250, costs of £85, compensation of £75 and victims surcharge of £25. http://www.plymouthherald.co.uk/Man-used-angle-grinder-cut-wheel-clamp-car/story-26547903-detail/story.html -
Hello. I have a long ongoing battle with EE which I have issued a small claims action for. To cut a long story short, I only got a response from them after calls, Emails, letters sent recorded, Email to CEO and finally an LBA. That worked and I got two letters from the correspondence department. The trouble was when I spoke to their head office switchboard the lady I spoke to was quite embarressed as she went through to the department with the two names that were on the letters, but came back and told me that no one of those names worked in that department! I have been searching around and I have come across a couple of other people on other sites say that this is another one of EE ruses - fake people to send out generic letters to make it seem like they are taking an interest in your issue! I was trying to find out if any CAGgers have had experience with this being done by EE as I believe this is reprehensible and hopefully I will mention this during a small claims or mediation hearing (should it get that far - They sent a court bundle on the flimsiest 12 points I had come across - I ripped all their points apart which I was quite proud of!) as I know this sort of behaviour from a company is frowned upon. Companies who offer appalling service need to be taken down a peg or five! Anyway, thank you for reading this. Regards Rob -
I have an old outstanding debt from Littlewoods which was sold to Drysden / Capquest. The debt is from 2006 and I don't think any payment has been made since 2007 which should mean it should have come off my record. I entered a CCA request to them and also asked Experian to look into it and eventually I had a reply that they couldn't complete the CCA request but what they did have was a screen shot of a payment I'm supposed to have made in 2010. Is this something they can even do, shouldn't they still respond to the CCA? Can anyone advise what to do next? Thanks -
According to the Telegraph councils are having their wings clipped to prevent overzealous collection and issue of PCNs including possible banning of collection by bailiffs. Sadly it won't prevent Parking Eye, now part of Capita, et.al from ripping people off http://www.telegraph.co.uk/news/uknews/road-and-rail-transport/11453090/Motorists-will-be-given-10-minute-grace-period-when-parking-tickets-run-out.html -
Hi In 2005 I got the following: Together Mortgage £113000, Picture Loan £33000, Welcome Loan £21000, RBS Debt totaling £25000 credit card debt totaling £ 9,000. PAYDAY LOANS total £1200. I was in great despair as I was going through a divorce had an ectopic pregnancy and lived in a house half built. I was off work due to ectopic pregnancy and was losing money fast. On top of this my step daughter came to live with me and I was trying to help her through college etc. My ex husband was very nasty and he was due to leave the army and I got frightened in to not taking any of his pension that I deserved for giving up my career to bring his daughter up. He cashed in all our joint policies and left me with nothing but debt. I was in despair literally and had a breakdown turned to alcohol (not badly but enough). I then tried reading self help books to try and change my mind set. I wrote myself blank cheques to all the people I owed and had them on my wall so that I could visualize on attracting money. I won £3800 from a 10p bingo ticket then I got a windfall of £32000. I cleared the credit card debt, got the house finished and reduced the welcome loan to £9000. I still owe the rest, I got the RBS loan secured against the house to free up monthly spends. My house is now worth £136000. I was annoyed though as I have paid over £37000 to IDEM not realising that to settle I need to pay another £42000!! I was younger stupid and scared. I have now rented out my house and I am living in a room, I have started my own company using all the skills I have and have enlisted friends to help me with their trades (I take a small percentage from them as I get them work). [EDITED] It is about visualizing and felling the luck and wealth. It takes only 16 seconds to vibrate mentally and put good thoughts out. I do not ask to win the lottery e.t.c but I try to create ways that I can help myself out of the mess I got in with money. [EDITED] -
Hi I currently have a car which i use for personal and business use, this is my only vehicle. I am replacing this car with a sign written business van, again i will also be using it for personal use. I am borrowing the money for the van. Can you tell me how i put this through the books, do i put the loan through and the cost of the vehicle or not? Do i still work purely on the mileage allowance of 45p per mile that i use for business? Appreciated, thanks -
A request for help to those more knowledgeable in this area: It's widely believed that instructing more than one debt collection agency at a time is not OK. Indeed, the Citizens Advice Bureau website states the following: Citizen's Advice do not cite where this advice comes from (e.g. relevant legislation). Despite best efforts, I have not been able to find it. Does this claim have any actual basis in law? If so, please provide details of where it may be found. Thank you!
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Hi All, Like all those before me, I'd like to say this site has been very useful. I was stopped/caught using an oyster nominee card I found - I have used it for a few weeks. To start off with, I know I am in the wrong - much like a few people here, my reasoning behind this was financial (or lack of finances) driven. To be more specific, I have been without an income for a couple of months and at the same time have been paying medical bills (Cancer) for my dad. I have started a new job, and getting a (criminal) record would not only be detrimental but actually stop me getting any future employment in my role (note I have just started a career/working life). Note also: this is my first mistake. I don't know what to do - and even though money is extremely tight - I am considering getting a (payday) loan so I can get/talk to a solicitor. I received the 1st letter giving me 10days to present my case/supporting comments etc. What should I do? In the worse case and I do get a record - is it a "full" criminal record or a "civil" record? (i seem to recall someone writing here there is a difference...) how long would this last/does it get erased? Many thanks for any help/advice -
Hello, please, i have question, my friend have a car in czech, this car is permanent to export (but have plates, and certificate - see attachment), and now. I have interest for this car, is possible to get back registrate in uk? When yes, how is process? Thank you! Removed by Admin this is certificate of car.
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An interesting story that featured on SCOOP today has caught my attention. The link to the story is below and the article says the following: Council tax dodgers in Wyre could be targeted by a team of specialist lawyers under plans drawn up by town hall bosses. Law firm Greenhalgh Keer has been lined up for a six-month pilot scheme that could see residents who refuse to pay up pursued more aggressively. A report published by Wyre Council’s resources portfolio holder Coun Alan Vincent (pictured), who will make a decision on the plans next week, said chasing up the most persistent offenders is too “time-consuming and costly”. He added: “Unfortunately, the council does not have the in-house resources for anything more than the occasional case.” Wigan-based Greenhalgh, which currently has arrangements with 35 local authorities, specialises in chasing up council tax and business rate debts. The trial scheme, which would cost the council nothing, will “test the water” with a dozen pre-selected cases. http://www.fleetwoodtoday.co.uk/news/law-firm-set-to-chase-council-tax-1-7055615
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Please can you assist with pulling together a 'road map' of the following situation; Xmas Eve had a nasty surprise of receiving a Claim Form from Cabot Financial for an old credit card debt. Due to financial downturn unable to afford the repayments in March/April 2006. Defaulted and made peppercorn payments. Date of Claim Form 22 December 2014 Name of the Claimant : Cabot Financial (UK) Limited What is the claim for The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Lloyds Bank dated on or about Sep 01 2003 and assigned to the Claimant on Jun 24 2014 in the sum of £13,303 What is the value of the claim: TOTAL £13,812 (Includes Court Fee £410 and Sols Costs £100) Is the claim for a current or credit/loan account or mobile phone account: credit card. When did you enter into the original agreement before or after 2007: Copy of the agreement/application shows date of 2 September 2003 for £8000 limit. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser; Cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? Don't know have not got a copy on file. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? The standing order to Apex, who were dealing with the case at that time, lapsed and did not notice . What was the date of your last payment? Last peppercorn payment was 19 Feb 2013 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes Citizens Advice Bureau helped us write letters and make token/peppercorn payments to all our creditors did not use a Debt Management Company.
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Help Please, Was caught on 3rd of October with my sister in law discounted oyster card , at the time i didn't know it was discounted card. she wasn't using it anymore cause they issued her freedom bus pass. The day i borrowed the card, i couldn't find my card which is discounted as well from the job center so i had to borrow. when i explained to the inspector he didn't believe me and took my details anyway. 4 weeks later i received a letter to explain what happen and replied with sincere apology followed the explanation and told them that am unemployed. Today i received a letter to appear in court 2 months from today. I have 3 options 1.Guilty - Don't attend the court 2. Guilty - Attend the court 3. Not Guilty - Intend to call witness What should i do? Do i need legal representation? Will i get criminal record for this? Do i call tfl or write to them to settle the case? Any advice and information is appreciated. -
February 2014 Old landlord sold the block I live in & new LL via a new letting agent informed us that the current AST would be honored & that the deposit would also reflect the changes. Aug 2014 end of AST the new LL asked us to sign a memo of renewal for additional 6 months whilst increasing the rent. LL stated this is not a new contract & that it was only to notify us of the increase. Note 30 days notice was not given. We believe this is now a Statutory Periodic. The council has informed us that planning to refurbish has been received and that we would all need to leave once permission has been granted; anytime around Xmas. I have looked at the deposit with DPS & though it has new LL details it has never been reissued either because of the change of ownership or change of contract . AST to SP etc. Also it states that it was not protected for 40 days even though it was through old LL. Therefore we are awaiting S21 ( not everyone had deposit protected after 30 days). My question would be this because of the negligence of new LL/LA if no one has a contract with new LL is S21 valid? Surely a contract would have to be submitted as evidence in court & as no one has a signed contract with new LL what could that mean ?. Also if deposit through negligence of previous LL but assigned to new LL is 40 days old would that make a S21 invalid? via LA they stated they'd honor the deposit. SUPERSTRIKE LTD when AST becomes SP. Are the other tenants deposits not valid They are with DPS. Finally if it is SP & everyone's rental period starts 5th of the month does that mean 2 months must be given by the 4th of that month; or carry over to next month.Thanks -
Hello Everyone, I have recently been offered terms of redundancy that i have accepted. I have reduced credit repayment arrangements in place (negotiated myself) with 6 companies that stretch back between 4 & 5 years:- I have indicated where these are getting managed by a DMC. Halifax Creditcard - Blair Oliver & Scott - 4k outstanding Virgin Creditcard- Westcot - 4.5k outstanding Tesco Credit card - 3.5k outstanding Sainsburys - Blair Oliver & Scott - 1.2k outstanding Barclaycard - 3.8k outstanding Aqua - Creditcard - £1.2k outstanding I want to consider utilising part of my redundancy to clear the debts by offering full & final offers to the tune of 40% per debt. My questions are as follows please:- 1: Does becoming redundant affect a creditors decision making in accepting any offer? 2: Because i have maintained regular albeit reduced payments for so long, might the creditors refuse any offer regardless of my circumstances? 3: Because i have had direct payment plans with some of my creditors, will this impact any agreement to the F&F payment of 40%? I should add that i have not yet secured employment with anyone else and i would also propose that i cease from the end of October, any further payments until the F&F is concluded.. .due to the consultation/notice process, i would have funds available to repay at the end of December and using the template on the National Debt Helpline, i was going to suggest that payments would be made from this date. Any thoughts/feedback would be greatly appreciated. Kind Regards, BR -
Hello, Just wondering if anyone can help. I was caught using a freedom pass - which I shouldn't have been. I had some extenuating circumstances which I explained to the officer and although he started off being quite serious - at the end of the interview he didn't show me his notebook, seemed to put a line through what he had written, gave me back the freedom pass, told me to top up my oyster and not use the freedom pass again. he had taken down all my details before that. I am not really sure what happened, but I believe he let me off. It's quite surprising and I just wanted to check that this is the case or if he was just giving back the pass but is still going to process the conviction. I got a bit overwhelmed and confused - so didn't ask? -
Hi. I need some advice. A few weeks ago I was called into a sudden "investigation meeting" at work where I was shown picture of me using a mobile phone behind the counter at work. The image wasn't clear and I don't think unless they showed me a video you probably couldn't see that it was a phone (just something black). Even probably on video you wouldn't be able to tell it was a phone but anyway they asked me "what is the company policy regarding using phones at work" I said "you're not allowed". They said looking at the image, why was I using my phone. I said I was waiting for a call cause my cousin is in ICU, so was checking my phone. She told me this is just a warning and to not do it again after some more questions. However, 2 weeks pass and today I get a letter for a disciplinary meeting? I'm really annoyed. Firstly, I knew I messed up admitting using the phone. I should have not admitted that cause they picture wasn't that clear. I know we've been "told" we can't use mobile phones in our workplace however today I went through all the company policies on the system and it is not stated anywhere you cannot use your phone. All that is stated it you cannot use "social networking" while at work. Using a phone doesn't mean your using a social networking site. A few other people over the last 2 months have been caught using their phones and all they had was a investigation meeting and no disciplinary. My question is. 1) Can I still challenge in the disciplinary if that is a phone in my hand in the picture even though I admitted it during the investigation? 2) Am I being discriminated against? Everyone else who was caught was white and a woman, i'm neither. How is it i'm being singled out and being given a discinplinary while they were all let go? One of the girls even told me today she didn't get a disciplinary and only did a "investigation" meeting. 3) If there is no written company policy regarding mobile phones, can they give me a disciplinary? 4) If I was told during the investigation meeting that this is a warning, how can they still call me in for a disciplinary? 5) Our company states gross misconduct as stealing or hitting someone at work which leads to instant dismissal. Are they still able to fire me over this considering it seems to have crossed a line that no one else has crossed? All help appreciated.
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I have recently been stopped using a child ticket on my return journey from london on the train and been told to wait for the train company to write to me about what further action is being taken. I am very worried as i hardly travel by train and strongly believed that as i am still in full time education i was entitled to the child fare (all other times i have been with family who have paid for me or been under 16) which i know now is not the case. as i never travel by train i am not confident using the ticket machines so went to the booth to make sure i was given the correct ticket for the journey that i wanted were i was issued with a child ticket and was not asked my age or for any id or informed of the age restrictions on a child ticket. i was not stopped leaving my station or arriving in london so was therefore still under the impression i had the right ticket. the next day once again i was able to go through the london barriers with the ticket to go home but once i reached my home station i saw a penalty notice that under 16s were not permitted travel on childs tickets and started to worry, as i went to the station the ticket barriers didnt let me through as i was the questioned by the staff their my age in which i started to panic and lied about my age but then when further questioned i admitted my real age and gave all my real details and was then read my rights and asked to sign a statement and to expect a letter through the post with no idea what outcome i might get from this, i want to do all i can to prevent getting a criminal record as i am due to go to university next year and i dont want this affecting my life and i have never done anything like this before, what should i do? -
Hi, I was caught on London bus on June .. for using rail pass issued for my friend .. later I got summon to appear on court this 30 , Sept .. 1. for using the pass issued for another person 71 b 2.contrary to section section 25(3) I'm a mom of 2 young children,trying for job and don't want to end up with a criminal record on my name I tried calling tfl in this numbers several times ..(02070279158,02030543595,02030543825,02030544374,02030545522) cant get them (I aimed to convince them by pleading guilty )..please help ..please help .. how can I avoid criminal record ? _Chida -
Upshot is this, Driver of vehicle parks, on a PE operated car park with a 2 hours limit. Driver leaves after 2hrs 12 mins Parking Eye send a Parking Notice to the owner of the vehicle at the address registered Owner wasn't the driver at the time, the driver at the time is disabled and able to stay double the amount usually given ...so they could have parked for 4 hours. As they didn't address it to the driver at the time the registered keeper ignored the communication. 2 Months on Parking Eye write to another address (not the registered keepers address) but an address where the registered keeper used to live stating that they couldn't have know that the registered keeper had moved and that they would accept a reduced fee if paid within 14 days, they also state that they gained the address by way of a Credit Reference Agency....say what? The Registered Keeper still lives at the original address and the one that is registered to the car by the DVLA ..the other address sent the communication back to the original address. The person driving is covered to park over the time allocated, no problem with that, but Parking Eye using a credit ref agency to write to another address simply because the one and only time they wrote to the registered address but did not receive a reply. For £40 and which they have zero chance of collecting given the disabled status of the driver of the vehicle at the time and which is easily enough rectified ...however, lets hope Parking Eye waste their money taking out court action and wasting more of their money. What seems so wrong is a cra being used for an address when all the time the vehicle is still registered at the original address.
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Hi everyone. I work for a large telecommunications company and speak to customers on the phone. I have never been rude and regularly get complimented from customers for going out of my way to help them. However there was one performance target I was struggling with and 2 years ago was put on a Personal Improvement Plan to help meet this target. Despite making a massive improvement it still wasn't meeting the actual target so began the disciplinary procedure. Back then the scores I got for that target were worse than the company average so I understand and accept that I ended up with a Final Formal Warning. However, that was 2 years ago and since then I have been constantly dragged in and out of disciplinary meetings and the outcome is always that they will "extend the monitoring period" because I am still improving. The stress from this and from my dad's sudden death made me extremely ill last year and I was signed off with depression and anxiety for 4 months and my employer knew that this was in part due to their continual pressure and threats of dismissal. As soon as I returned to work I got another formal letter for yet another meeting and yet again the monitoring period was extended and I was told that over a 5 week period I must meet or better the company average on 2 specific performance targets and if i did not then there would be another meeting with senior management. Over those 5 week I worked extremely hard and succeeded to get better than the company average in both targets so I was relieved and went off on a week's annual leave happy that this was finally over. So I was devastated on my return to be handed a letter straight away saying performance had not improved and the meeting was set for a week later. I prepared for the meeting by working out my averages for the 5 week period and the company average for the same time and showed they were better so I had done exactly what was asked of me. That was 2 weeks ago and I have had no decision. The signals I'm getting though is that I will be dismissed. I don't understand though because their own figures prove I did what was asked. The disciplinary process says outcomes are provided within 5 working days. They know that the ridiculous pressure almost destroyed me and they don't seem to care at all and honestly appear to be TRYING to get me to break down and just quit. Every day I go in to work and am expected to be at 100% in what is already a stressful job despite being terrified and anxious every second that I'm just about to be taken away and sacked at any moment. Any advice? (sorry about the length, just trying to make things clear) -
a little dickie bird just sent me a msg saying Advantis DCA are now using a series of mobile phones to try and get around debtors not responding to landline calls and letters. it took several exchanges to find out they were a DCA the caller just asked for the debtor by their first name saying they were an old school friend. he smelt a rat as he could here call centre chatter in the back ground. 07891891162 was the number others to follow or add them here if you know others dx siteteam. -
they should be closed down!!! by the regulators using indian call centres to ring on unavailable or withheld or untraceable international number then leaving an 0800 number to 'further' their UK business. truecall box does its job but 41 calls in 3months!!
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This is really a strange one, I have a WDA account and so does my OH - their account is fine and is paying over and above each month to reduce the balance and no in default. My account is a different story and in default. Last month OH's bank rang to say that WDA had tried to take out over £200 on their debit card and obviously was refused. A couple of days later they paid on their account using their debit card. What I have found out is that WDA are trying to take money from their bank account for my account. Are they really allowed to do this. I can again state that their account is not in default whatsoever and is paying the interest every month together with a little bit of the capital to bring the balance down. Would people say this is fraud and are they allowed to take someone else's money to pay for my account.
