Hi, We recently moved house and new property did not have and working landline. Previous supplier was Virgin Media but that was cancelled by the previous occupier's family. When I looked to transfer from my current home the website said I would have to pay a new connection charge for engineer etc. As BT couldn't provide the service I arranged for Sky to provide phone line and Broadband as part of my existing TV package, BT however want to charge £169.75 early termination of contract fee and a separate charge of £31 for "cessation of broadband." My question is simple, are they entitled to make these charges as I moved house to a residence that did nnot have a supply.. Surely the contract was broken. Any advice would be gratefully received how to avoid these charges Thank You Trojan

Morning Caggers, time i dealt with this issue . . . during my move to my current address, some 130 miles from my home town, I had been served papers at my previous address without my knowledge and only after being informed by Talk Talk of the hacking that it would be prudent to check my credit rating that I saw the default CCJ against my name. It has now been moved to my local court for enforcement , however on speaking to them I can try to get this set aside . . . i have tried to do this previously and it was rejected, but i forget why They are sending me the relevant forms to fill in etc due to my low income they say it may be possible that the fee could be waived . . . that aside, i'm just wanting to start this ball rolling to defend the claim . . . I have the contact details of the solicitors who pursued the claim on behalf of Marlin Capital, should I ring them for the case details?? thanks for any help in advance guys . . .

Hi All, A friend of ours is in a huge amount of debt from her marriage, where her husband built up this debt, cheated on her and was also very abusive. Our friend had no choice but to go into a refuge with their 2yr old son. Whilst in the refuge, her husband didn't give her dog the medication that it needed and it became ill. the husband took the dog to the vets in the morning, but the vet put the dog to sleep in the afternoon. The dog belonged solely to our friend, not the husband. The vet did not call our friend on her mobile phone to speak with, as the dog's owner), they were happy to speak with her estranged husband. The vets have sent our friend the bill and asked her to solely pay it as the sole vet account holder and dog owner. She wants to know if they can do that? Someone takes the dog in ( who the vet knows) and destroy it without t=contacting the owner and also without checking that the vet account holder is happy to accept the charge for this treatment? many thanks in advance E5D

hi all, I have received a fine from pcm ( parking control management(uk) Ltd. SL1 2XF. a pcn was not issued , but a person was taking photos of my car. this happened at hayes and Harlington station. They send me a letter by post with photographic evidence. saying a pcn was issued : (date) my question is are pcm taking people to court now? or should I ask them to issue the popla code.

I have an ongoing dispute with a storage company the action now being in court a claim by them of approx 5k and a counterclaim by me for approx 13k for loss of equipment whilst in storage. Matters came to a head on 17th September when their claim was struck out for failing to comply with an Unless Order made by the Judge leaving only my Counterclaim to be heard on the day. The hearing was adjourned as although I had quantified the amount of claim I had not included a copy of the invoice so the Judge gave me 7 days in which to submit which I have complied with and a retrial date was set for 2nd November 2012. There solicitors have now applied for an Order under CPR Part 3.9 (1) granting the claimant relief from sanctions and the claim be reinstated because failure to comply with the unless order was not intentional. The court has granted relief from the sanction imposed and reinstates the claim by order dated 17th October 2012 at a "Without Notice of Hearing" the original hearing date for my counterclaim of 2nd November 2012 is vacated and a new date for trial of both claim and counterclaim is on 10th December 2012. Both parties must now comply with with the original order dated 16th July 2012 by 26th November2012 although I had already complied with the original deadline of 17th August 2012. The Order does state that "This order has been made without a hearing under Civil Procedure Rule 23. You may apply to have this order set aside or varied within 7 days of service of this order under Rule 10 of the Civil Procedure Rule Part 23 My question is would it be worth trying to set this order aside as these solicitors seem to be able to make a complete mockery of the Unless rules just be admitting that they where completely incompetent in failing to act by the time limits imposed by the judge. Please could I have some quick responses as the time is ticking on my 7 days

Given the seriousness of this thread, it really does need to get wide coverage. Accordingly, I would hope that the moderators allow it to remain on this section of the forum. Sadly, this is not the first time that I have taken issue with documentation from DCBL. There is a long thread on here regarding this firm and their letters regarding private parking debts (more later). This firm are also behind the TV series....Can't Pay...We Will Take it Away. Yesterday, I was contacted by a gentleman who had received a letter from DCBL the previous day. The letter was received by post and was on headed notepaper from DCBL and clearly stated at the top of the letter (beside the word DCBL) the words: Certificated Bailiffs and High Court Enforcement Officers. The letter referred to a 'debt' in excess of £10,000. Interest of 8% (since May 2016) had also been added. The letter stated the following: Unless we receive immediate proposals from you regarding the repayment of this debt, the recovery process will commence 7 days from the date of this letter. We may also make arrangements for a representative to call upon you to open up lines of communication. The person receiving the letter knew about the 'debt' and knew that it was heavily disputed. More importantly, he was adamant that court proceedings had not been undertaken against him and that a judgment had not been obtained. He intended writing to DCBL. Before being able to, he had a visit at his home from a High Court Enforcement Agent from DCBL. It is fair and accurate to state that an argument broke out. The 'debtor' called the police. Astonishingly, the police refused to attend stating that they were satisfied that DCBL had authority to attend his premises to enforce the debt. The High Court Enforcement Agent from DCBL refused to leave the premises unless he received payment. Under duress, the debtor borrowed a sum of £2,000. DCBL yesterday confirmed the following: That the debt had not been subject to court action. That a judgment had not been obtained by the creditor. That they were enforcing a 'pre judgment' debt. That the 'High Court Enforcement Officer' was attending as a 'Debt Collector' Members of the public receiving letters such as these will no doubt be hoodwinked into believing that the debt was legally due and that a court order exists. They would be wrong.

My disabled wife ordered a new car and it was agreed with the sales man and the sales manager that the car would have premium paint which would cost £450 extra however the salesman said if she signed the sales contract she would get the premium paint free of charge . A deposit was paid and a Contract was then signed by my wife and the sales manager which clearly stated the car was to have the premium paint . A few weeks later when she rang to inquire about a delivery date she was told by another salesman that the contract had been altered without her knowledge and the car was to be supplied in standard paint can they do this or is it breech of contract

My job as a roadside tech ( recovery driver ) is a Monday to Friday 10am till 8pm once a week I cover a night shift from end of my day shift 8pm till 8am the following day then start my day shift again at 10am Long hours I know and the night shift or being on call out as its known is unpaid unless im actually called out to a job then im paid by the hour at overtime rate from job start to job finish usually 1 or 2 hours. The call outs are sent via a night controller who sends me the jobs by SMS to my mobile phone, the night controller is as expected paid to take the jobs and relate them to me and answer calls from customers, my issue is my boss as mentioned he is considering diverting the phones direct to my mobile and therefore not having to pay someone else to control the night shift as I myself would be taking calls from customers and accepting jobs as do other members of staff when its their turn to cover the nights but as like them I am expected to do this without pay myself. I did actually ask my boss how much he is paying me if I was to do this his reply was nothing its part of the job, now I may be stupid at times but I'm guessing that if I'm answering the works phone calls from customers after my day shift as ended then I'm actually working overtime during that phone call and therefore would i be correct in assuming i should be paid to do this ? cheers to all replies M

Cutting a long story very short, bought a car in May 2016 for a few hundred pounds, have received a letter from Loans 2go saying vehicle was subject to security by the owner previous to the one we bought from and to contact L2Go. Called them this morning and asked to see copy of BOS and authorisation over the vehicle, they said they would release their clam for over three times what we bought the vehicle for. :-x the amount requested is laughably high, the vehicle would be worth maybe £200 at auction, the person on the other end of the line said we have 10 days to respond Obviously courts are closed for the weekend. Advice please Have reported the matter to the police as a pontential fraud

Hi, My first letter after 15 years of driving (request for a driver details). Alleged offences - 1. driving propelled vehicle without due care (which i fully admit) and 2. failing to stop / leaving accident place without providing details - which i dont accept. Accident - in the morning rush hour tried to squeeze my bike in-between cars and went to outside lane to go around stopped car and had a slight collision with cyclist. Nothin major - cyclist had a few light bruises. I stopped, helped cyclist, called ambulance to check his bruises, provided him with my name, surname and mobile number. Waited till ambulance arrived and helped him in after which i left and spoke to cyclist twice later that day to check on him. At the ambulance they took statement of the collision, etc. and now i received this letter. How do i proceed with the second point since i did stop and provide my details. Thank you

Hello folk, On the 22nd of August I received an email from extra energy sending me my "final" electricity bill, which included a £25 fee for exiting the tariff before it expired. I called Extra Energy and they told me that my supply had been taken over by British Gas and that I should speak to them about it. The operator at Extra Energy wasn't very helpful although I did tell him that I did not want to change supplier. Reality is I would not be a BG customer even if they were the cheapest in the market, I had a very bad experience with them in the 90s and there is no way I would ever consider them again. Since I did not ask to be supplied by British gas, not even knowing what tariff I am on, as I have not yet received any correspondence form them, would I be in my rights not to pay their bill if they sent me one? Don't get me wrong, I wouldn't want to have free electricity, in fact I have opened a separate savings account and instructed my bank to transfer £70.00 every month to it, just in case I get a nasty surprise. With Extra Energy my tariff was Bright fixed price January 2017, which is less expensive than BG standard, so if I do get a bill from BG can I recalculate the figures using EE's rates? Last but not least, can I sue BG for taking over the suplly without my say so? Thank you in advance for any advice.

Hi Not sure if I'm posting in the correct forum apologies if not. Can a landlord of a property someone has moved out of contact utility companies and change the address on the accounts in the name of the old tenant even though the address they have given is wrong and nothing to do with the tenant? The address they have given was an old address that the estate agent had as a forwarding address some time ago, but the property has been sold and no longer relevant to the tenant. Also as the utilities have a new address, anything they send out will not be picked up by the post office redirection service so my friend (who this relates to) will not get her post?! And info anyone can provide would be greatly apprecited Thanks in advance Simon

Hello, I am not entirely new to the CAG forum, but forgot my old login, today I had a horrible surprise, and I hope someone might offer some assistance as to what the best practice would be to go forward. This morning I opened a letter that said a company has obtained a judgment against me and require payment of £1300 I did not receive a letter from any courts regarding the companies claim, but it seems they have me in a rather unhappy position. I am supposed to pay by the 29th of this month, this was for a bill that was £50. Had I been informed of court action, of course I would have made a defense. I have spent many years recovering from debt and this year I have just started to get my credit file back into the green, waiting 6 years for an old debt to go away, so very sad.

Hi I am sure plenty of members are aware of Labours National Executive Committees (NEC)decision to bar all members who joined in the last 6 months (100,000 people approximately) from voting in the new leadership race? That is unless you pay a £25.00 membership fee within the next two days? The questions I would like to pose are, a)Is it illegal to, retrospectively, change the constitution/rules to deny the’ new’ labour party members a chance to vote? b) How much would it cost to mount a legal challenge against their decision? c) Would the new Labour party members be willing to pay an extra couple of quid to finance the challenge ?( here is my £2) d) Would anyone from CAG be able to assist in setting up a secure holding account etc etc if required? Now whether it’s Mark Twain, “If voting made any difference they wouldn't let us do it.” Or Ken Livingston’s twist on it (I think?) “If voting made any difference they would ban it.” Both quotes and the labour parties NEC decision give me grave concern in this world of “open and transparent democracy”. Regards Biff

To cut a long story short I believe BT or one of their employees is responsible of untrue or misleading actions possibly fraud to my father of nearly 80. Basically my dad removed caller Id from his phone to reduce the cost. He has the true-caller BT phones so straight away they stopped working correctly. I explained that it was because he had removed caller ID. While I was visiting him he asked me to put it back on for him so he phoned them went through security and I then took the phone. I explained my Dad had accidentally removed caller ID and his call blocking had stopped working and could they add it back on. The employee of BT explained that he he was such a long standing customer and providing he agreed to another years contract (he has broadband and telephone with BT) they would give it him free. A few weeks latter my Dad received a letter thanking him for his change of package. This letter explained an increase in cost to the line rental, a BT Infinity Activation charge £49, delivery charge £7.95 and a increased cost of his overall package £30 per quarter. And a new 18 month contract. None of these upgrades were mentioned during the phone call none were asked for my Dad has Sky and has no need of unlimited data. As you can imagine my Dad phoned them straight away and asked for an explanation. They could offer none but confirmed they would get back to him. A nearly 2 weeks latter they still have not. The additions have been cancelled. I have emailed a official complaint to BT requesting copies of all the calls because I'm going to send them to OFCOM I believe that this behaviour should be stopped and BT held accountable. So far I have received no reply its now been 6 days since the complaint. I believe people should be made aware of this as I find it despicable. I had a similar trick played on me by another supplier which was very quickly sorted out.

This was my first application for PIP, and received a text to say I have been awarded it and a I don't have to do anything, they will pay my money into my bank. I had decided if they called me for a face to face I was just going to drop it......as could not face going and too ashamed to take anyone with me as I don't like people knowing how I feel. Is there any way I can find out how I got the points? Is there a form I can ask for? This will be useful when a review comes through as I'll know exactly how I was awarded it, if you get my drift? Thank in advance for any help offered. Miss (less) Anxious

Hi all, Newbie here so please forgive me if this has been covered off elsewhere but I'm hoping for a quick bit of advice.... I made the mistake of leaving my car for 2 hours, 20 minutes and 3 seconds in a Highview car park on 11th December 2015. I'm certain that I was still present in the car for at least 20 minutes prior to leaving the car on a call, and any CCTV would back this up, doubt that's particularly relevant though. Anyhow, I've changed address since and have received no communication, or engaged in any form of dialogue with Highview Parking Ltd. As such I've had a lovely letter from DRP arrive in the post yesterday, informing me they've tracked me down via whatever CIA / Interpol (DVLA) database, and that if payment is not forthcoming with 14 days they'll be taking my wife, house and dog hostage... I've been researching all the advice on here relating to Highview, and despite the infinite wisdom of Facebook friends telling me to ignore it I'm not totally comfortable with that course of action and intend to lodge an appeal, follow this through and defend myself in court should that day come. To the point of this post.... I'm slightly confused by the status of my PCN.... My first course of action was attempting to appeal the PCN via their own website, this redirects to "w w w. pcnphoto .com". Upon entering my PCN and registration I receive the following message.... Your PCN has been cancelled. If you have any further enquires contact us by email so that our team may assist you directly." Following this I followed the "Pay Now" link on the Highview website, this redirected me to the parking charge payment website and a table of the PCN details including, Reg, PCN number, Date of Violation, Location, Time In, Time Out, Duration, Current Fee Due.... All of the details are present and correct however, the current fee, and total payable, both show as £0.00. Arrival & Departure pictures are also "temporarily unavailable" Is this due to the PCN being passed to DRP for collection or can I take this as off the hook? Thanks in advance guys! James

Hi, I am having major issues with my bank Accounts. Here are the accounts I hold at the moment. 1. Personal Bank (currently have £8000 in it) 2. Personal Saving Account (which doesn’t get use) 3. Business account for one of Convenience store business, which is a LTD company. 4. Business saving account for the store above (which does not get used) 5. Business account for the two properties that I let out 6. Business account which got opened by mistake by my business manager which got opened with the business account for my properties 7. Business account for another convenience store, which is a LTD company but it’s a different LTD company from my other store. 8. I was also a signaturee for my parents buy to let business account. On the 6th June 16, I went into a branch to deposit money into my business account. The cashier at the desk was all confused, as she could not put money into the account. She had to phone the business team. Once she got off the phone she told me that my account is getting closed and cannot give me any more information. She gave me a number to call and discuss this further. Straight away I called the number they gave me and it was the fraud and account closure team. They have closed all the accounts above. They told me then to wait for a letter that I will get into the post. All the accounts above are frozen. Including LTD company accounts and my parents business account . Total balances of the accounts are £34,000 The letter arrived on 8th June. The letter stated that due to activity on the account they have closed the account. All Direct debits and payments coming in will be rejected. I have to go into branch with this letter and ID to take all the money from my accounts. I went into branch, the cashier took the letter and phoned to get authorisation to clear the account but as she got off the phone . She told me to phone the number on the letter, which again was the fraud and account closure team. They told me that my account and the funds are frozen. They are investigating and could not tell me anything else. Just told me to keep contacting them for an update I called today to get an update but no luck. This time they told me they hold the funds for 30 days and I should call after 30 days. I use to transfer funds from other business into my personal account and transfer from there to my Convince store business account to get by direct debits. I have done this for a year once a week at least. The convenience store sales are £35000 per week. I use cash plus account at a post office as cash deposit account and then transfer the funds to my business account, which equates to £30,000 per week. Last week on Tuesday I deposited cash into my cash plus account but forgot to make the transfer before 4pm for same day transfer so the transfer was made on Wednesday. When Wednesday came I had 20k worth direct debits to pay but the money never came into the account by 3.30pm. The cut off for direct debits is 2.30pm I went into the bank and did a cash deposit for £18,000 before the cut off time and transferred £2000 form my parents business account to my personal account and from there I transferred the £2000 into the business account to get by the direct debits. I have not done a cash Deposit of a large amount into this account for a year as I have been using cash plus Before this I was depositing cash directly into my business account for the 2 years before I moved to my cash deposit to cash plus as cash plus charges is a lot less than the bank charges I don’t know whether the large cash deposit or loads of transfer caused suspicions. On Friday I applied to open a secondary account for Paypoint Services. Just wanted this DD to be kept separate so I can ensure the money for paypoint is kept separate and the DD is paid. Money for the other store were banked into directly into that business account, as it’s a new business and have 2 years free banking. The bank is not giving me any information and is saying we are investigating the account and can take up 30 days before funds are released. I am stressed about this, as I need the funds for both my business to pay suppliers and bills. All the business are legitimate. I have never had any intentions to do money laundering or fraud. Any advice will be appreciated Thanks

I work as a van driver, doing home deliveries. A couple of weeks ago I delivered to one of two attached cottages along a narrow, unlit, unmade road. After completing the delivery I had to turn the van around, as my only alternative was to reverse around 100 yds back to the main road (I should point out that it was dark at the time). I completed the turn outside the cottages, as that was the only point wide enough, and drove to the end of the road, where I stopped for a few moments to work out my next route. I was then approached by the owner of the second cottage who informed me that I had reversed into his oil tank. After apologising and confirming that I was unaware of any contact, I gave him the "bump card" that we carry, which has the contact details of the Company, and he also took a photo of the registration number. He said he couldn't tell in the dark, if there was any damage, but would check the following day. I heard no more, and assumed that all was okay, but today I was informed by my manager that they had received an NIP for driving without due care and attention. I would have thought that this was purely a matter for the insurance company, and am surprised the the police can prosecute on the strength of one person's allegation, without even speaking to me, or being present at the time to witness it. Any thoughts?

Hi all, a bit more than a month ago I received a 2 year old PCN from southwark that I had completely forgotten about. I noticed the letter had no house/door number. It looked like one of the neighbours put it on the envelope in pencil and then delivered. I ignored it as I believe I don't think that it is enforcable without having officially delivered and having my full address on it? As far as I am concerned it could be someone else on the street. The post lady however knows ofcourse that it must be me and keeps dropping them with my other mail. I have received a CC a few weeks ago and finally yesterday the OFR. The first 2 letters I opened, but the OFR I have not opened. Am I right in thinking that writing undeliverable - no house number on the envelope and returning it will get me out of this, or at least they realise they cannot chance it any longer and have to enquire with the DVLA to get my full details? I don't even have the vehicle anymore, which is probably why they cannot get the details and just rely on a vague memory from a previous PCN? Any insights into address field legalities would be much appreciated as I cannot seem to find anything online about it.

Even though i'm new on here i've been on here enough to know that this type of 'help me' threads get posted sooo many times so here another one. To keep it short: i was stopped by revenue inspectors and failed to produce an oyster (i used my sister's but as my sister was with me at the time literally with me i gave her oyster back) when the inspector asked for my oyster i just said i didn't have one because my sister was terrified and i didn't want to get her in trouble so took the responsibillity. (i'm older than her). tfl sent me legal proceedings letter and now a 'single procedure justice' notice to plead guilty or not guilty within 21 days. This 21 day ends next week thursday. Because this isn't a court summons so does this mean no out of court settlement?????? also ANYONE have their number i've searched every where but can't find it. i'm so stressed out.

Hi, I seem to be yet another 'victim' of having taken out Tescos car insurance in good faith in September 2015, only to be stopped by the police in December 2015 & told that I don't actually have insurance!!! After my car being impounded, a raging rant at Tescos, letters to Tescos, etc, I was finally sent a CD with the recorded conversation with Tescos and a letter from them, disclaiming all responsibility. I now have a court date in May 2016 relating to driving without insurance and the risk of a fine and points. I'm aware from reading on the site that many people seem to have had similar experiences with Tescos. Please can anyone who has actually managed to get resolution to this situation tell me how to do it. Ideally, I would like to find a solicitor who has managed to win a case such as this against Tescos. I am not a happy bunny ... but I'm sure help is out there somewhere.

I'm having a really frustrating time with my direct line at the moment regarding an accident I was involved in on a duel carriage way roundabout. I was in the inside lane going forward onto the 2nd exit. He was in the outside lane and needed to take the next exit. As the roundabout was full of traffic it seemed like he was running out of time to get into the correct lane to take his exit. there were cars bumper to bumper behind me but a gap appeared between myself and the car infront. I was going around 25mph at the time following the flow of traffic. Next thing I knew I heard him accelerating really hard and he flew past me just as I was passing his intended exit. He clipped my car and scratched his car from front to back as he scraped the side of my car. He ended up in the lane he was heading for and I stopped on the verge of the roundabout. to me, he obviously found himself in the wrong lane and about to miss his turning, He took a risk to get through the gap and to do so he had to accelerate to twice the speed of moving traffic. He misjudged it and casused damage to both cars. Ok so what my problem is that the insurance company - Direct Line - is representing both parties. Apparently the third party is not accepting liability and is saying it was my fault for obstructing him and because I wasnt taking the immediate turning I was infact in the wrong lane and therefore liable. I messaged the guy, who gave me his numner at the scence of the accident and asked him what he think happened. He told me that the insurance company told him that he was not liable because of these facts. He actually didn't know who was liable until they told him that I was! Ive been told by direct line every time I call that its looking like it might be a 50/50 settlement which isn't right. theyre telling me this without actually having seen pictures of the damage or a full complete statement from the third party or myself! I understand that insurance companies try to save money and time by just automatically ending cases like this on roundabouts as 50/50. They tell me that theyre acting very professionally but honestly I really don't believe them. they've told me that the damage evidence doesn't really matter and that its his word against mind which would mean we are equally liable. But what gets me is that his word was influenced by his insurance company which is also my insurance company! basically I know he was in the wrong. He drove aggressively and dangerously and he took a risk that didn't work out. I wont back down on this as I don't want to have to pay the excess and lose my no claims bonuses and also raise my premium. most of all its the principal. has anyone had this before and if so did you take the decision to another body and challenge the insurance company?

Hi guys. This is my first post here and so be gentle !! Last week I received a demand letter from Debt Recovery Plus (DRP) stating they are writing to me of behalf of their creditor (G24 Ltd). It states they are writing to me due to no response received to their previous correspondence and are demanding I pay £160 parking charge ! The thing is, this is the first I've heard of the parking charge/fine (dated 5th Nov 2015). There has been no correspondence received. I have also revisited the site (England) to inspect the disclaimer sign, which states the fine is £100, or £40 if paid within 14 days. Naturally, I rang DRP and explained I have had no previous correspondence and as such was completely oblivious to the parking fine. He then said "Well you're now outside the 28 day appeals window" !!. I then questioned him as to how I can appeal a situation I had no knowledge it existed !! To which he had no answer, obviously. At this point I also had no evidence of the offence I had allegedly commited so I asked for this, which they emailed me at the weekend (two images of my car parked outside the lined bays). I replied to the email thanking them for the evidence but also stating that I will not be paying £160 because I received no initial paperwork and was not given the opportunity to settle the matter at the reduced rate. I then received a reply which I will copy below, which says they still want the £160.... Start of letter........ Thank you for youremail regarding the above Parking Charge Notice (PCN). The time to challenge the charge has now expired and therefore access to the Independent Appeals Service (if applicable) is no longer available. However, in order to resolve this matter, I will offer the following comments as to why this PCN was correctly issued and is still payable. My findings The site in question is subject to terms and conditions, which are stated on signs throughout the area. Those signs state that all vehicles must be parked in authorised areas. On the date in question, the vehicle was parked in an unauthorised area and a PCN was correctly and legitimately issued as a result. Correspondence Please note that a PCN was sent to the vehicle’s registered address for notification purposes. If there has been a problem regarding the delivery of this document, this is a matter to raise with your postal service. Under The Interpretations Act 1978: Where an Act authorises or requires any document to be served by post (whether the expression “serve” or the expression “give” or “send” or any other expression is used) then, unless the contrary intention appears, the service is deemed to be effected by properly addressing, pre-paying and posting a letter containing the document and, unless the contrary is proved, to have been effected at the time at which the letter would be delivered in the ordinary course of post. Your obligation to notify the DVLA of a change of circumstance Regarding your details, I must stress that it is your obligation to ensure any of your details held at the DVLA are correct. If a delay in communication has resulted from a failure to do so, our company cannot be held accountable. What you need to do now Please ensure that £160.00 is paid by 24th March 2016. Payment can be made online or by phone. Go to 'link removed' or phone 0208 234 6775. You can find full details of how to pay on the reverse of the letter(s) sent. What will happen if you do not pay what you owe If the amount is not paid by the date shown above, we will recommend to our client that court action be taken by them to recover the outstanding balance. What if you do not agree Although any correspondence that does not provide further evidence will be noted and retained, I cannot guarantee that we will reply to it. End of letter...... Surely they cannot force me to pay £160 when they cannot prove I received the initial PCN ? It also rages me that they say if I haven't received the initial PCN, then I need to contact my local postal service ! They're the sender, it's not my duty to ensure delivery and how can I query unsolicited mail ? Any help/comments guys would be much appreciated. Kind regards

Good morning all... I checked my credit files this week, and was rather shocked to see a default registered by Orange, last year for £65. Background is this: I have been an Orange customer for over 15 years, and towards the end of 2014 my handset stopped working and I decided it was time to upgrade and get a new one. Simple, or so I thought. I called Orange from my handset, and was quickly upgraded to a new contract by the representative who told me that my new contract was with EE but that it was all the same company and nothing would change. My account was not in arrears. The EE account has been running since, no arrears, no notification of outstanding arrears, until last week when I discovered the default and outstanding balance. I called 150 from my handset, and was transferred to a call centre in India where I was told that I had not paid my final Orange bill, which was strange as I can't remember the phone representative mentioning anything about it when I upgraded and I haven't received a bill or reminder about it and of course I am still an EE customer, they know exactly where I live and I still have the same number. I asked to speak to a manager, was kept waiting for 40 minutes, then hung up on and had to repeat the same process again. I finally got through to someone who told me it was my fault, they had apparently sent me my final Orange bill with an amount for the first months EE bill and insurance. This is even stranger; surely I would've been cut off if I hadn't paid my EE bill, and this is beside the fact that I was told nothing would change when I upgraded my phone? Orange told me I need to pay the DCA, and there is nothing they can do. I have received no correspondence from any DCA. Reading around other threads it doesn't look good for having the default removed, and I am so frustrated, as my credit file would be clean at the end of the year and I was looking to get a mortgage. It doesn't seem right that Orange/EE should be able to do this, and I certainly would not have upgraded my contract with them had I known, but understanding that mobile agreements are not bounded by the CCA I'm not sure how to challenge it?