I received a speeding fine , but my ex-employee was driving the vehicle. He was insured as an added driver. The form asks for his driving licence number.I don't have it,and I can't find thex-emplyee. Advice?

Hi all, Just give you a quick run down of the operation of the local station and route to hopefully clear up any confusion before any advice can be given. Our local station is an unmanned station, as are all the stations on the branch line, apart from the two terminals, in this case Strood and Paddock Wood, and the middle main station being Maidstone West. All the stations have a machine placed at each entrance in which to purchase a Permit to Travel ticket which can then be exchanged for a travel ticket by either the issuing ticket office at Strood, Maidstone West or Paddock Wood, or by buying a ticket from the conductor/guard on board the train. However, in the last month, the types of trains used have changed from a 3 coach class 377 with a driver and conductor/guard, to a 2 coach class 466 driver only. The Permit to Travel machine at our local station always appears to be broken, either it is jammed with coins where it won't accept anything, or the coins just slip through to the rejected coin collector, although there is a time displayed on the machine to indicate that it is turned on. Over the last two weeks, my daughter has twice been issued with a £20 penalty fare by Revenue Protection as she wasn't in possession of a valid permit to travel or travel ticket, although she wasn't able to purchase one in the first place. Revenue Protection were at the first station she would have been able to purchase a ticket from, and before the ticket office, therefore stopping her from purchasing a ticket as she has done on numerous occasions before. She did state that the Permit to Travel machine wasn't working, but they said it was, even though they weren't at the station. She paid the first Penalty instantly, but she want's to appeal this second and any subsequent penalties that she may occur if the opportunity to purchase a Permit to Travel isn't available. Hoping that some of you good guys and girls on here can offer some advice and ammunition so she can win her appeal. Many thanks, Bloke 199

In 2014 I wrote a letter to my ALMO with a great idea. Some time later they said nah not our scene. Now in 2015 on Boxing day I receive a call from the carer of a disabled resident at the other end of my estate asking for my help. Now the ALMO want my letter... The tenant is a warm kind lady and full of beans, even though disabled due to a stroke. The carers had read my letter on my site and thought I could help. I wrote an email to the ALMO and reminded them of my original letter. They came back to me with bucket loads of help. Plus offering support and guidance. Not only that this poor lady was being abused in the most horrendous ways by another tenant. But she did not have the courage or strength to ask for help why? Because she was abused (emotionally physically financially) and finally wrecking her mobility scooter) This lady is very ill and my letter has had a profound effect on her (all good BTW). Now every time she sees me in the street the smile is huge and this makes me so happy. The result was the new carer calling me, me hitting the LA with an email, my result saw 5 ward Cllrs. getting involved and arranging for this lady to be moved to a safer environment. Criminal investigation now commenced. It now makes me smile knowing that when I see this old lady in the street and seeing the huge smile on her face made me so happy and making it so worthwhile in the end.. Want to know more then simply have a look at my attachment (PDF) let me know what you think or even just to say aww lol .... Suffice to say I have been asked by my Cllrs to send them a copy of the original letter to be published in our monthly Council magazine.... The Vulnerable Residents Charter.pdf

Hi, I'm hoping someone may have the knowledge to help! I pay for a quarterly parking pass to park in a private car park attached to a shopping centre near to where I work. I've been parking there for around 18 months without issue. At the beginning of January I transferred payment to the company for the next 3 months of parking, all good. Usually, they deliver a paper pass to my place of work. After a week or so, I hadn't received this so I rang the office to chase it up and they agreed to look into it for me. It was agreed (over the phone unfortunately) that in the meantime I would display a note in the window stating 'paid & waiting for new pass'. The next day, I received a ticket. When I called back, the office claimed to have not received my payment, although later in the month they admitted they had found the payment and have since issued the paper pass for the period. VCS are now pursuing me for payment of the ticket. I have already emailed them the details outlining the mix up with the office but they maintain I have broken the rules by 'Not displaying a valid pass'. Please could someone advise whether: A) I have a case to appeal B) Who to speak to next?

Hi all .... a newbie here .... We ordered a Land Rover Discovery Sport, back in October 2015 and were given a delivery date of 8th March 2016. Took a call from the Dealer yesterday, a PROBLEM ..... the car has been delivered ..... but JLR had delivered the wrong car ..... it's the correct spec but they had added £2,500 worth of extras, which had not been spec'd, on to the car ..... Not surprisingly, the Dealer said that they couldn't stand the extra costs .... I said that JLR should stand the extra costs .... but the dealer has ordered a new vehicle .... which should be delivered on 25th March .... not too happy about the situation .....But what are my options .... the extras are not things that we would have spec'd .... Electric seats .... well, we are both the same height .... Xenon headlights ....??? and Rear camera .... could be of use .... So should we walk or offer a reduce amount to get the car already delivered .... Thanks for your help in advance .... Pete

Hi Everyone, apologies if this is not the right part of the forum, but I have a question regarding an overpayment claim from my last employer. Thy wrote to me about a month ago, stating they had over paid me on my final pay dated 25/06/2015 to the amount of £633.98, and wanted payment within 7 days. They attached a breakdown which was massively incorrect, and made no sense, a complete mess of company sick pay, statutory sick pay, basic pay and holiday, and several incorrect sums. I am still contacting them to try and get an explanation of how I can have been overpaid, but wanted to check my rights also, as this is causing me anxiety attacks and sleepless nights worrying about it. I had been off sick with anxiety and depression (partially due to work related stress) for two months at my last employer, when I decided to hand in my notice,as I was not going to be well enough to return for the foreseeable future, and felt like a burden, as I knew there was no budget for cover, people were already over worked, and I was a fairly senior member of staff, in terms of tasks I was performing. They accepted eventually,and my final date of employment, and date of final pay was 26/06/2015. I hadn't received my payslips whilst off sick, and didn't receive my final pay slip either, so chased the H.R department several times by email back in july, but this was eventually forgotten about, as none of my pay amounts seemed incorrect, my ongoing ill health and the fact that no-one from the company got back to me after promising to contact me when they would be sent out. My question is, if it does turn out that an overpayment was made , can I fight this?. I am on ESA benefits as I cannot leave the house most days,let alone work, and I have absolutely no money to repay this whatsoever, I don't think I could bare this going to court, but I simply can't pay, and it all seems very unfair Any help gratefully appreciated, apologies for the long rant! Danii

I received an unexpected later from my insurance telling me I should pay £525.23 (after my policy had been cancelled). I rang them up to ask what this figure was for, being told that my claim I had put before was because I was at fault. ??!! I had not been made aware of this before, neither is this in the handbook policy. Please help!!!! I thought insurance is there so it covers you up in case of an accident, whether your fault or not!! I am with only young drivers. thank you.

Hello. I am currently getting income based JSA for about 1 year now. I stay with my mum, But all of a sudden my mum is saying i need to pay £27 towards to rent as the council will only pay £109. So why now do i need to pay. I have a brother who gets ESA, and my mum gets income support. What are causing the housing benefit deduction, My brother only started claiming ESA this year in march, And all of a sudden the housing benefit is cut. So could someone help me because i am getting the impression the cut is because of me but i have been getting jsa for around a year and my mum has been getting full housing benefit since untill now.

So I would like some info if possible; Puchased a right to acquire, council valued property at 107,000 2 bed back in 2007. received 9,000 discount so purchase price 98,000. took mortgage for 101,650 fixed rate 5 years. I had a bit of a financial clitch after 2 yrs and had some arrear, i had suspended poss order. i paid them due to a claim i received but what i was told would clear them wasnt correct and i quickly ran in to trouble agsin. i had a fixed rate mortgage so i presume the monthly amount should remain the same for 5yrs, but it never and they annually increased the amount due. They applied for repossesion again. I was shocked to see a statement from them with various failed direct debit amount never agreed so looked as though I constsntly broke payment agreements with them. they charged arrears fees and court costs etc to the account and included them when they calculated interest. They told me it wasnt in their interest to allow any concessions to help me get back on track. At the final hearing the figure although by now i had paid nearly four years on the fixed rate mortgage the balance was more than started with, i never fully knew how many payments they claimed i missed as they just gave an amount. The DJ was rude to me and never allowed me to reply; Between the DJ and their solcitor it was agreed; I was unable to afford the property, (although by now I was in employment). They decided property had neg-equity. (no valuation reports or breakdown of this reasoning was produced to back this conclusion). The figure stated to the DJ as owing by this stage included the 5,000 fixed rate fee, this figure actually reduced and it had 5-6 months of its term left so the amount was considerably less. As the DJ wasnt interested I could not speak up (basically bullied me into crying and i ended up pleading with him, all he said was no use in crying) and say they had in fact grossly overstated the balance along with the added incorrect rate increases.(altering mortgage terms). They had began charging me for insurance that they added to the balance plus this contributed to the overall balance owing when calculating annual interest (would have ended up paying interest on top of interest each year for the mortgage term, as I refused to pay the insurance) (i had my own insurance which was for the required insurance indemnity amount as stated in contract 100,000, their insurance cover was for far less than stated as allowed 75,000). (this was of no significance to them and they continued to add the insurance fee). Reposession granted, 3 children 2 weeks to leave. I gave up and moved out. As I could not move some itemd struggled as nowhere to store them i had requested if possible to return the week following eviction to collect rest and informed them of items. Upon my arranged return nothing was there all have gone no explanations. The property sold for 75,000 as i found out, even with the improvements I had part completed, loft room with window and full staircase access, driveway; new bathroom with power shower. fitted full length mirrored wardrobes. Then came their bill, payable by return, "rofl" mortgage shortfall removal costs ??? specialist paint removal ??? agency fees?? securing property (i had already surrended keys to bailiffs day before) fee for 5 yrs fixed rate clause, however had been reduced to the term remaining so considerably less than quoted in court. (can they even charge this as they took to mortgage away i never switched to another provider etc) (contract must be void once repossessed surely). all in all excess of 40,000 shortfall due They never pre-agreed or gave notice of the extra costs although their paperwork did state all additional fees would be agreed prior. I never got to know why it sold so low, but believe it was valued far less than the council had said it was worth when purchased, can not have depreciated in value by roughly 30,000 plus in 4 yrs could it..?? I wrote to them asking for explanations, costs,paperwork etc. They never replied but then I received a solicitor letter with same demand for payment. So i wrote to them and referred the solicitor to the letter I was waiting a reply on. Nevet got a further reply from either. Nearly 3 yrs after repossession i received a letter informing me i had been incorrectly charged arrears and default fees over the term of mortgage and they totalled with interest 1500.00 but they were placing this against the shortfall balance. This was something i had already brought up but they chose to dismiss it and ignore me. In turn the incorrect fees with interest applied yearly had given a misleading figure owing for the account, and false information was supplied and in turn relied on in court. This no doubt would have contributed to the decision in granting repossession. The letter says the refund should put me back in a position before they where raised. Clearly not, im still minus my home. I have not heard from the mortgage provider since December 2014 as this was when they issued the letter with the details relating to the refund of charges etc. Upon checking my credit report recently the mortgage states closed with a balance 0. No change from when they sold the property as my credit file stated this info straight after Surely the shortfall should be on the balance? No other defaults etc for this account either. Can anyone advise me if they have acted inappropriately in any with their actions? Could the property have been grossly over valued with intent originally by the council appointed valuer, so the priced fectched on sale could be a realistic figure? If so is there anything that can be done to expose this? Can a fixed rate mortgage payment increase during the fixed term? Can a fixed rate fee be claimed still upon mortgage surrender that has been initiated by the provider and not the mortgagee (Me).? Why would my credit file show balance nil?? Should I have any defaults on my credit file for the mortgage? Can the nil balance be altered? Can a shortfall amount be claimed when there is no record of bslance on my credit file?? Any advice or answers appreciated

I would like some advise please? I am a landlord of a freehold property and was issued a parking charge for parking in the communal car park. I never received correspondence that UKPC was going to be managing the communal car park. My tenant later informed me he had not received any correspondence also about UKPC managing the car park and so had received parking charges for 3 consecutive days but was going to ignore the charges as he was a tenant and was within his rights to use the car park. I decided to appeal the parking charge unlike him, however POPLA have refused my appeal. I am unhappy with POPLA's decision, what can I do? Swan Housing has now provided us (my tenant and I) a parking permit. Swan Housing own properties in the surrounding area. Find below the correspondence from POPLA. • Appealing with POPLA • Track appeal • Start a new appeal • Case Studies/Reports • FAQs Your appeal was not successful As your appeal was not successful, we would consider the parking charge as effective. It is advised that you now pay your parking charge. Your Information and Evidence Received Operator Information and Evidence Received POPLA Assessment Received Decision Unsuccessful Operator Information and Evidence Submitted 24/09/2015 POPLA assessment and decision 14/12/2015 Verification Code xxxxxxx Decision Unsuccessful Assessor Name Anthony Davidson Assessor summary of operator case No parking permit was displayed. Assessor summary of your case xxxx did not illegally park, xxx is a landlord in xxxxxxxx which is a freehold property. xxx has explained to Swan Housing that xxx property was a freehold and it was against the law to issue xxx a penalty notice. Assessor supporting rational for decision The terms and conditions of the car park clearly state no unauthorised parking, terms of parking apply Monday to Friday between 10am and 2pm. A valid permit must be clearly displayed at all times. Additionally, failure to comply with the terms and conditions will result in a parking charge of £100. The appellant has parked without displaying a valid parking permit. I acknowledge that appellant says xxx is a landlord in xxxxxx, which is a freehold property and xx has explained this also to Swan Housing. However, I am satisfied that the photographic evidence of the signage provided clearly advises the appellant of the terms and conditions of the car park. The operator has also provided photographic evidence of the vehicle parked at 10:47:40 without displaying a valid parking permit. By leaving xxx vehicle parked, the appellant has indicated xx acceptance of the terms and conditions. When doing so, the appellant equally accepted that the operator would issue a Parking Charge Notice (PCN) for failing to comply with any of the conditions. I am satisfied that the PCN has been issued correctly. Accordingly, this appeal must be refused. Print Your POPLA appeal is now complete You can print out a copy for your records The parking operator has been informed of the decision. Finish Paying your parking charge In order to avoid any further action by the operator, payment of the parking charge should be made within 28 days. If you would like to pay your parking charge now you can do so by selecting 'make a payment' below. Please note: The parking operator has provided us with the payment site for your convenience and POPLA is not affiliated with the payment site in any way. Make a payment Unhappy with the outcome? You cannot challenge POPLA's decision. However, there are alternative routes to resolve your dispute. You may wish to seek advice from the Citizen's Advice Bureau or seek independent legal advice. Proceed to Citizen's Advice Bureau

Dell admits security flaw was built into computers A security hole that could allow attackers to access users' personal data was inadvertently placed on Dell computers, the company has admitted. The hole represented a "profound security flaw" that could allow access to bank details and other personal data, experts said. Dell has issued guidance on removing the software that produced it. READ MORE HERE: http://www.bbc.co.uk/news/technology-34910649 This is the direct link to Dell article and removal instructions: http://www.dell.com/support/article/us/en/19/SLN300321

Hi, during 2015 I was at University at Brighton and decided to get a gym membership. I went to a few gyms checking prices and commitments and when I went to LA Fitness the guy that eventually signed me up (obviously trying to make a sale) lied to me, he stated that if I moved out of Brighton (which I obviously would do, as Uni does end) that it'd be fine and my account could be closed no hassle. He stated that all I had to do was be 8 miles from THAT PARTICULAR gym. Well I moved back home to Southampton, and went to cancel my membership stating that "yes, I had moved over 8 miles from the gym." That wasn't good enough, and the lady on the phone replied saying that I had to be 8 miles from any LA Fitness in the UK, and that it wasn't their fault or problem that the guy lied. This was awful news, I was in my overdraft and had no job, and I couldn't afford £20-40 a month, I showed proof (with a bank statement) and they didn't accept that. This went on for 2 MONTHS. I decided to cancel the direct debit on my card, and I heard nothing from then until today, I just got a letter from ARCEUROPE LTD saying I owe them £202.40 and have to pay in 14 days. I can't afford that, being still in my overdraft, what do I do? I've already posted this to reddit and they have pointed out that because I cancelled and didn't keep arguing my cancellation that I'm in the wrong and liable to pay the debt.

I was meant to start my MWA at 11am on Tuesday but due to a family member being taken ill i had to sign off at 9am the same day as i wasnt/wont be job searching for the next few weeks.I'm just wondering if i will be sanctioned for not turning up to start my MWA the same day as i signed off? The women on the phone when i closed my claim down said i wouldnt and that the MWA provider would be told that i signed off.

Hi, We bought a 2003 Fiesta in November 2014 (last year) from a car dealer in Warrington for £1500. We didn't do any checks as we felt that it was unnecessary from a dealer (We now know this to have been a mistake and should have done checks), however we did ask if there was anything historical about the car that we should know about, they said there wasn't. Fast forward to today, we've come to trade in this car as a part exchange and they've informed us that it was a Category D write off, and would only offer £150 for it. We've now run a check on it ourselves and this is true. Do we have any recourse against the dealer in Warrington? Since we'd asked about it's history, and they didn't tell us this information, have they mislead us? What course of action should/can we take? There seems to be conflicting reports from similar situations around the internet ranging from them being told to take them to court, to them not having any rights at all. If we would have known that it was a write off, we'd have never bought the car. Over the Course of the last 12 months we've spent over £1000 on repairs for the car (yes - fully admit that it was a bad purchase, all things considered), are we able to claim any of that back as well as the price paid for the car, given we wouldn't have bought the car if we knew the full story? Just a little bit confused on what our options (if any) are? Thanks in advance to anyone that can advise.

Hope someone can help me. I moved home a few years ago and paid for Royal Mail redirection. At some point about18months later (redirection still in place) a bill was sent to my old address, but not forwarded by Royal Mail. The claimant then began court proceedings and this was also not forwarded. The case went to court and went ahead without my knowledge and I 'lost' as I didn't appear. The first I heard of this was when I did eventually get a redirection saying that judgement was made against me and that a CCJ had been issued against my name! You can imagine the horror on opening that letter! I had to pay £155 to the court to have the case 'reopened' and judgment set aside so I could request the CCJ to be removed.. The court had no objection to that due to the fact that Royal Mail didn't redirect the claim or documents. I then spent three months trying to clear the CCJ from all of the agencies. I had no problem paying the debt (I would have done in advance if I'd have known about it!), and that was paid. But can I claim from Royal Mail these additional costs that I incurred due to Royal Mail's lack of redirection? ie the cost to have the case reopened? Any help would be much appreciated!

Hello everybody I recently got into debt bother with EON . I spoke to them about my options with regards to my debt (installments, pre-payment etc). I indicated that I would prefer prepayment to manage my debts but then took my time getting back to them . Next I received a letter telling me that they were applying to the courts and had added £60.00. The court date was supposed to be 12th of November and I awaited this date so I could contest the fee (I had already told them that I wanted prepayment), they wrote to me shortly before telling me that the court hearing had been cancelled and they would write to me at a later date. Yesterday (12th) I got home to find some documents and a electricity key INSIDE MY HOUSE !!. The accompanying paperwork said that they had acted on a warrant (no issue date, number etc) and had changed my electricity meter. In my actual mail on that day I got a letter from them telling me that they had reapplied for a court date - which was supposed to be the 16th November !!!. So clearly they illegally entered my house without a warrant and changed the meter. Luckily, nothing valuable was stolen from me by these rapscallions . I have not yet contacted them, instead I would prefer the advice of somebody who has experience in these matters to see exactly where I stand before I act. What are my options, so to speak ?

In brief - We went to a local independent flooring company, wishing to purchase a wood floor. The owner talked us through the various products, came to our house to look at the area it was for, measured up, checked the subfloor etc. He then recommended a product for us, ordered it and arranged for "his team" to come out and fit. He arranged the day and time they were to come out and told us that we should pay them cash on the day. In the meantime, he took moisture readings, spoke to the manufacturer and also the manufacturer of the underfloor heating we'd had put down, to check what underlay might be needed. The floor was fitted by "his team" - his brother and another man. It subsequently failed 4 times in the course of a year. The first 2 attempts to remedy the problems were made by the fitters. After it went wrong the 3rd time, it came to light that the fitters and the company owner had parted company, so the company owner/supplier came out and attempted to repair it. The same thing happened again, and he came out again. At this point, the supplier offered us a replacement stair carpet for our trouble. We said that this was not necessary, but if the floor failed again, we would be seeking a refund. When it failed again, we requested our money back. The supplier agreed, minus fitting costs. When we argued, he withdrew his offer and offered us a replacement floor instead. We expressed our concern that we had no confidence he had the neccesary skills and knowledge to fit a floor, given our experience thus far. We then took advice from the CAB and wrote a letter before action, inviting the supplier to comment on what he believed to be the issue with the floor, and offering to go to mediation. He responded, trying to lay the blame on us with various spurious claims, including that the contracting of the fitters had nothing to do with him - since the receipt he issued clearly stated "supply only." We then wrote again, offering to have an expert inspection and report done on the floor, and asking that both parties share the cost in order to confirm what had caused the problems with the floor. He refused, saying the cost was too great in relation to the value of the floor. We once again gave him the opportunity to refund us, while warning him that he may be asked to pay the cost of the report, should we take our case to the small claims court and win. In order to ascertain whether we had a case, we had the expert inspection done. It found that the fitting was to blame for the issues, including inadequate moisture and humidity readings taken by the supplier. The expert contacted the supplier to find out exactly what prep he had carried out and the supplier told him. The report also queried the suitability of the product for the conditions of our property. Once again, we wrote to the supplier with details of the report's findings and requested a refund of both the flooring, fitting and cost of the report or we would have no choice but to take our case to the small claims. The supplier has not responded. We feel we have a strong case. However, our concern is that it may be thrown out on the basis that the receipt we were issued was for supply only. In the letters from the supplier, he does state that he tried to repair the floor on 2 occasions, hut says it was purely a good will gesture. However, he also states that he did the pre-fitting site visits and prep. So, what is our legal position regarding his responsibility for the fitting of the floor?

Now calm down i know it is late in the evening. Ford gave me this idea on the Asteroid skimming our rooftops tonight thread.Northern lights i mean. Covering myself a touch.Your idea not mine thoughts. Oh you did not know.Sorry about that. So would you- What would you do for your last 24 hours on Earth? Netflix and chill Get drunk Go to work Spend all your savings Or something else. Not saying myself,but would be pretty tired afterwards. What minds have you got,sending me psychic thoughts like that. Go for a run i would and take a world record leap to another universe. Source with many links. ‘End of the world’ Christian group leader 'surprised' to still be alive The world didn’t end on October 7 but the Armageddon will be ‘soon’, insists Christian group leader Chris McCann http://www.telegraph.co.uk/news/worldnews/northamerica/usa/11922005/End-of-the-world-Christian-group-leader-surprised-to-still-be-alive.html

There are many reports of debtors being arrested for obstructing a bailiff (Section 68.1 of Section 12 of the Tribunal Courts & Enforcement Act 2007) or more commonly; for removing a car clamp but it is rare to read a report about a debtor being injured during a bailiff visit. This particular press article featured on SCOOP yesterday. The background to the matter is that the debtor (a young mother) had been fined for using a TV without a valid licence. The balance of the court fine was £200. For reasons that are not known, she did not deal with the debt at the Compliance stage (when the fees were just £75) and accordingly, the debt was passed to an enforcement agent. It would seem from the article that bailiffs were attempting to apply a wheel clamp to her vehicle and upon witnessing this, the debtor admitted that she started 'running around' her car 'like a crazy woman in a panic'. Foolishly (in my opinion), she then picked up one half of the wheel clamp and flung it across the garden towards the gate. Following this, a struggle broke out between her and the bailiff and it was later discovered that she had suffered a broken bone in her wrist from the incident. Police are investigating and examining footage from the bailiff's body-worn camera. A neighbour volunteered to pay the debt of £525 to avoid her vehicle being taken. http://www.manchestereveningnews.co.uk/news/greater-manchester-news/mum-claims-bailiff-broke-wrist-10008184

Hi i have had a similar experience with a child minder She took me via MCOL to a county court over a debt the claim was struck out but now she has instructed bailiffs.(correction -a dca - DX) What I need to know is if the claim was struck out how come she can instruct bailiffs , has she broken any laws in doing so and can i now counter claim?

Is there some URL that I can go to and check details of my CCJ such as details like amount date and payment arrangements. Thanks in advance

Hi I'm desperate for some advice. Since 2010 my dad has took the finance out for me due to bad credit history. We've had 3 VW, 2 Toyotas and now a Honda. Toyota have financed the last 2 cars and the Honda we have now. We've always been upfront with the dealer. the 2 Toyotas came from the same dealer and we told them that I couldn't get finance so they asked if someone else could and my dad agreed and when we went for the Honda I to,d them as well and they also suggested I get someone so I did and my dad agreed again. Today I've found out it's illegal. I was talking to Toyota Finance due to a issue with the Honda and mentioned my dad had the finance and I drove the car and it was registered in my hisbands name and kept at our address. She said Toyota don't allow this..I told her the 2 dealers have never said a thing about it not being allowed. I've told my dad and he's shocked and said if it was fraud he'd never have agreed to finance the cars. What is likely to happen. We are looking to sell the car anyway but I'm worried they think my dad has committed fraud. It was the dealer who suggested it. Why would they do this if it was fraud.

If you had administrative action taken against you as a result of a police caution it may be that you have grounds for a complaint. If you have now left the armed forces and had administrative action taken against you as a result of a police caution between December 2008 and September 2011, it may be that you have grounds for a complaint. The MOD has written to serving and former serving personnel because of changes to the law which took effect in December 2008 that meant such cautions should not have been taken into account after that date. However, whilst action has been taken to contact those affected directly, it is apparent that we have not managed to reach some people and they will be unaware of efforts to contact them about this issue. READ MORE HERE: https://www.gov.uk/government/news/information-for-those-who-left-the-armed-forces-between-december-2008-and-september-2011

Hello, just wanted some advice. I was coming home from work when the car in front of me indicated to turn right, I was behind the car, not moving when I was hit from behind. My cars bumper was smashed and I also have a massive dent in the car. The guy admitted it was his fault and asked if he could just pay for the damage as he had only had the car insured for 4 weeks. I said ok and took his details. I have had the cost of the work to be done and he want to pay when the work is done, I've said no it needs paying first or I might end up with the bill. He can't afford to hire me a car for work as he said he also has to pay for his car to be mended. Do I go through insurance or carry on with the arrangement. Thanks any advice will be great.

I understand from someone that Paratus have issued letters informing of an interest rate rise ? I wasn't aware of any rise in interest rates. Anyone had one of these letters ?