Hello again everyone. Unfortunately l have to seek help again on this site regards a PCN that happened in August 2011. I did open a thread about it in August 2011 but no longer can find it. Yesterday l received the now popular BW legal letter acting on behalf of VCS about an outstanding balance of £174.00,[ consisting of £120.00 PCN plus their clients initial legal costs of £54.00. ]. Back in August 2011, following advice from this forum and as l wasn't the driver at the time of the PCN being issued but registered keeper, we decided to ignore the threatening letters which, eventually, all threatening letters ceased. Until yesterday, 17th August, when a letter from BW legal and VCS arrived together in the same envelope dated 12 August, saying that if payment not received within 16 days court proceedings may be started. The driver of the vehicle at the time the PCN was issued has since passed away in December 2013. I have read on other posts of similar situations about sending a letter back to BW legal stating about the pre- POFA Act 2012, driver responsible and not the RK at the time of issue , but, should l also give the name of the driver at the time stating that they are now deceased and therefore can no longer pursue the payment and wish for it to be fully withdrawn ? Should l ring them and explain the situation ( which l don't want to as then they will have my phone number), or send a letter by recorded delivery ? Any help much appreciated

The Ministry of Justice has introduced a shortened list of the new Court Fees for County Court, High Court and Family Court proceedings. In relation to the bailiff section of the forum, the following fees will be of interest: Varying a judgment, suspend enforcement or suspend a warrant of possession £50 Set aside a County Court judgment £255 General Application: £255 (N244) The general application fee (of £255) apply in cases where an Out of Time witness statement has been rejected, and the respondent wishes to have the decision 'reviewed' at a hearing in person. A 'review' without a hearing is charged at £100. https://www.gov.uk/government/publications/fees-for-civil-and-family-courts/court-fees-for-the-high-court-county-court-and-family-court

Hi all, This is my first post on the consumer forum. The error that Vodafone is continuously failing to correct causes me great distress and badly affects my health. I have tried to sort this issue personally through Vodafone Customer Service making endless phone calls but it got nowhere. I was going to take the mortgage in March but Vodafone INCORRECTLY has placed a Default Account on my Credit Rating which prevents me from getting a mortgage. I have written formal complaint to Vodafone Customer Service that was posted to them on 14/10/2015 but the letter was never acknowledged and I have never received a response from Vodafone. To cut the long story short: I had Vodafone account opened in September 2013. I have systematically paid monthly payments of £39.50 up until December 2014 (shown on my bank statements). I then accidentally stopped the Direct Debit to Vodafone and I had accumulated some unpaid months to them. I have paid all those unpaid months on 29.05.2015 plus all the future monthly payments up until September 2015 (I had minimum 2 years contract) in one payment of £380.40. The reason I paid all the future payments on that day is because I asked the Vodafone Customer Service to close my account during the same phone call on the 29.05.2015. 1. Vodafone has failed to acknowledge internally in their automated system my payment to them on 29.05.2015 of £380.40 2. Due to Vodafone failing to acknowledge my payment they employed the Debt Collection Agency to retrieve the payment from me and more importantly they incorrectly put a default account on my Credit File in August 2015. I'm in the process of applying for the mortgage and imagine what impact this incorrect Vodafone default account has on my chances of being approved. 3. After the Debt Agency started to chase me for the payment I have brought a proof of the missing payment to the Vodafone store first in August 2015 and then I was asked to do that again in September 2015 and the store manager made a note on my Vodafone account about witnessing the payment. I then had spoken straight away to Vodafone customer service on the phone and they said that they will be processing a Missing Payment Form and once done the information of payment clearance will be passed on to the Debt Agency and my Credit File will be cleared. I note that this was done in September 2015. 4. After giving 7 working days (in September 2015) for the Missing Payment Form being processed I have spoken to Debt Collection agency and they said that they still haven't received any instructions from Vodafone to close the issue. I have spoken to Vodafone Customer Service again and they again confirmed that they have submitted Missing Payment Form. I have spoken to the Debt Collection agency a week later and they said the issue has been put on hold for further clarification. I think they realised that I don't owe the money to Vodafone because I've sent to them the copy of my bank statement but they were not receiving instructions from Vodafone to close the issue of this debt. 5. I now checked my Credit File for the first time on 23.02.2016 as I'm just about to apply for the mortgage and it still shows Default Vodafone Account! Bearing in mind that Vodafone confirmed processing Missing Payment Form back in September 2015 they had 4 months to clear my Credit File from the default account, however, this still hasn't been done. 6. I have called to Vodafone again yesterday (23.02.2016) about the issue. Vodafone Customer Service yet again acknowledged over the phone the note from Vodafone store manager on my file made in September 2015 about witnessing the evidence of payment. They said that they had submitted the Missing Payment Form AGAIN and he said it will take 3 (three) months! to clear my Credit File from default. But I was reassured previously by Vodafone Customer Service that the Missing Payment Form on that payment was processed back in September 2015 and they had 4 months since then to clear the Credit File but this hasn't been done! (I mentioned this to Customer Service). How can I allow another 3 months of empty promises to find out in May 2016 that nothing has been done. I have read on the Internet an Experian expert saying that changes to the Credit File can be done overnight. The house prices are rising every month and I have been waiting since September 2015 for Vodafone to clear my Credit File from the default account that they had put in their error. I have no idea what to do anymore and who to speak to about resolving the issue and clearing my Credit File from the wrong default. Vodafone is promising to clear the error since September 2015. Since September 2015 they endlessly saying to me that the Missing Payment Form has been submitted and that I should wait for the Credit File to be cleared of the default. I'm worried that Vodafone will incorrectly make changes to the Credit File simply by showing that I have paid the default money. But I need the fact of default removed from my Credit File because all of the due payments were made by me in May 2015. The default was put incorrectly in August 2015 when I in fact didn't owe any money to Vodafone by then. I'm also worried that Vodafone will reactivate my account once they acknowledge the missing payment when in fact I have asked to close my account in May 2015 and paid all the due payments then. I've asked the Vodafone Customer Service many times to send me the letter confirming that my account has been closed in May 2015 but they have never sent it to me. Any advice on how to resolve the issue with removing the Default Account History from my Credit File and getting the Vodafone to confirm that my account has been closed in May 2015 would be greatly appreciated. Kind regards, Natalya

Hi My husband and I have both had contracts with vodafone for many years. When it came time for me to upgrade 2 years ago, vodafone offered a discounted deal if I took my phone as a second phone on my husbands account. This was a decent deal so my contract ended and his had both our phones. Two pay monthly contracts. Fast forward 2 years and my husbands contract for his phone ended and he upgraded to a new contract with vodafone. April this year the second phone contract ended (my phone). I waited a few months to decide what I was going to do as I will still happy with the handset. I then decided to take a new phone contract out in August in my own name with vodafone. I called them to advise I wanted to keep my old number. I explained the situation that my old phone was a 2nd phone on my husbands account. No problem they said. Here is a PAC code... Ever since then it has been a nightmare. Apparently what should have happened was that my old number should have been converted to pay as you go to allow me to keep the number and port to my new phone. Instead for over 3 weeks nothing happened Then, after countless phonecalls and different pieces of advice we were told that it would be sorted... Again, nothing. Then my husband discovers he cannot make any calls. Lo and behold they had switched his number to pay as you go instead of mine. Commencement of another endless number of calls. My husband spent HOURS at his work phoning vodafone because they would not talk to me as the 2nd phone (my number) was on his account. Having said that, some of them spoke to me so not a hard and fast rule clearly. I then spent HOURS and HOURS and HOURS and DAYS and MORE DAYS on the phone to many many different departments and indeed countries. Several times I was assured it wolud be sorted. Indeed, the last person even got their manager to apparently sprint down to the floor below to speak with a superuser who was going to wave his magic wand. And still nothing. I was assured phone calls back. Nothing. Still nothing. S o, my husband, who needs his phone for work, is still on a Pay As You Go. My old number is still active so we are STILL paying this contract even though it should have ended in August. My new phone I am paying for but has a new number. It is also not receiving calls. I only receive the odd call and the remainder of the time when people try to call me it goes straight to answer phone. I can be holding the handset when someone calls and it doesnt even ring. Someone told me my old number had now been lost then someone else told me that wasnt right. I was told my husband was no longer PAYG and was back on contract the I was told this wasnt right. Seriously, are they actually just taking the absolute...... ? I cannot bring myself to waste another entire DAY to explain the situation again only for nothing to happen again. I need vodafone to cancel my old contract and reimburse my money (or to my husband as was on his account) I need them to reactivate his contract and cancel his Pay as You Go as this phone should never have been touched. I need them to transfer my old number to my new phone. I need them to find out and fix my phone so it receives all calls. The internet is also much slower than my old iphone 5 (this is an iphone 6) I need all monies reimbursed that are owed to us. This has been ongoing since August 21st with no resolution and not a single call back from anyone who said they would. PLEASE HELP!!!!

Gregory Transport, (Somerset), wants caravans banned between the hours of 6am and 6pm in the months of July and August. Wouldn't it be more sensible to ban lorries during those time and even more sensible to ban lorries from taking a couple of miles to overtake another lorry so blocking the road. I think there are a lot of caravaners, (and non caravaners), who might have something to say about that. The man is demented.

Due to strike action by staff, HMRC is extending the deadline to apply for tax credits to 11.59pm on Wednesday 6 August, regardless of how you renew. 550,000 people still need to renew their tax credits or risk losing their payments,HMRC is offering people renewing their claims this year the option of doing so online for the first time. They can do this either by going to the web page or by using the free HMRC app, which is available in the iTunes and Google Play stores. Claimants can also renew by post, or on the phone by calling 0345 300 3900. http://www.theguardian.com/money/2014/jul/30/tax-credit-renewal-claimants-week-strike

I apologise if this is posted in the wrong forum. Further to my last posts I have now had my Capital One debt referred to CapQuest. There was a standing order set up for Capital One for the sum of £1 pound as instructed this is still in place. I have had no telephone conversations with CapQuest, not that they have not stopped trying. I recieved a letter from them this morning stating that Capital One are happy to accept a reduced amount of £1088.41 to be paid in full or over a 3 month period. I am still in no position to pay this amount of and cannot see this changing in the near future. But my belly is full and my bills are all paid so happy days, well not so happy but life goes on as they say

The FOS report that they are currently receiving 1500 PPI related complaints every day. In the August issue of their news they give some examples of cases they have upheld,and also those rejected.Worth a read. http://financialombudsmanservice.newsweaver.co.uk/Newsletter/1nqfti6z0ss1ejplibozya?rss=true

avoiding catalogue chaos 2 August 2012 the latest issue of Disability magazine features the ombudsman's money tips on avoiding problems with catalogue credit

Well with oil prices falling to $90 a barrel and forecasters saying it could drop to $50 as demands fall,you can bet they will be looking at a bigger increase than 3p come January. http://www.bbc.co.uk/news/uk-politics-18588855