Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element and unsecured element of the loan. Despite 5 attempts of NRAM trying to repossess I managed to fight them off and eventually paid of the secured mortgage arrears however because I was prioritising the secured payments the unsecured loan arrears were not being paid and eventually NRAM applied for a CCJ. However at the time they did not default the unsecured loan account so it is still showing on my credit file with just many late payments. The CCJ dropped of my account about a year ago and during the 6 years prior NRAM didn't take and forceful action to recover the debt. My understanding is that prior to making an application for a CCJ to the courts they should have set my unsecured account to default and hence it should have also dropped of my account when the CCJ did and the unsecured debt should In theory now be written off. I did contact Experian and raised this issue, they replied stating that they contacted NRAM however NRAM stated they would not be making any amendments regarding this unsecured account on my credit file. I would really appreciate any advise on this matter and if my logic is incorrect. Many thanks in advance!!!

We recently had a neighbour park over the edge of our driveway - they were asked to move their car but refused, we called the local council who sent a parking warden on a scooter. When he arrived he confirmed the car (shown in the photo) was over the drive BUT I thought over the edge begins at the stone that tapers down to meet the road (Point A) where as he said only the last 10cm of the car was over which is more like Point B in the photo. Which is correct? Also 3 days later a Police Man came to our door about the incident - no idea where they got our details from we weren't expecting them and they were 3 days too late but I did ask the Policeman the same question and he didn't seem to know either. it would be good to get a concrete answer and have that well known.

I have today received a code 27 PCN for parking adjacent next to a dropped footway This does not appear to be a valid code. I was parked next to a chained/locked walled entrance to a small parking area (2 cars ) of private business. This area is never used and is seperate from the main car entrance. The entrance exits directly onto the road/carriageway. There is no footway, pavement or similar at all. Do I have a valid appeal? I have also read that the CEO can only issue the PCN if an official complaint/request has been made by the owner of said property and that complete records must be made of the request? Thanks in advance.

Hi , nasty taste left in mouth by Samsung. Whilst cooking, i used my S8 as a timer, as per normal. multiple timers set, and running. turned round to check time, and the screen was flashing like mad. A crack was developing before my eyes. A phone call to Samsung sent me to their Romford "customer care" centre where i was told i had dropped it The phone is not yet 2 months old. I was told that screen damage invalidated the warrantee, and also refused a second opinion, as 3 "engineers" had already looked at it. cost of repair is approx £350, after 1.5 months use am i right in thinking that it had a fault inherrent since manufacture, and that should be the route i take? The phone was bought via carphone warehouse, on an EE contract. EE contract appears to state the the phone is owned for the first 6 months by the company i purchased it from, so should it be carphone warehouse i approach with this issue? leaves a really nasty taste in my mouth, i suspect it is CPW that i need to go for, but they have been phenomenal to me over the past 12 years- would be much better if i was able to go directly to Samsung At time of purchase with CPW i also bought a "gear4" protective casing for the phone, and it has lived in it ever since. It was not a cheap case either Please help Kind regards iain

Hi, I have 2 debts which have now dropped off my credit file 3 months ago after 6 years of being defaulted. The debts were both originally around £12k and are both now about £9k after payments were made to them from payment books in the bank. These payments were mainly regular a few years ago but have been more irregular recently. (no payments in last 4 months). The debts were originally a Lloyds credit card and a Lloyds loan. Both have been with various dca's since the default and are now with Robinson way and Link asset. I am now wondering what to do? I am in a position to make regular payments of about £30 each (which is the rough amount i was paying) , but even if they accept these amounts it will take a long time to repay these debts. Im also aware that they could still apply for a ccj even if this is setup and agreed. I don't foresee a time when i would have anything above £2k as a full and final settlement in the future either from myself or family help. Years ago i did have court action from Nationwide on a debt which i was able to agree a settlement on because people on this website helped me understand the law on credit agreements. I feel a little out of touch now but wonder if i should ask for the original credit agreements. If they haven't got them will this help me in any way? Any advice would be gratefully received as i feel at a bit of a crossroads in getting my credit file/life back on track but unsure how to pay off/ write off these large debts. thanks

Hi all, I'm wondering if you guys can help us out with advise. We have applied for a dropped kerb (also called vehicular access) for our house where the front garden has been paved as a drive way. When we applied we were under the impression that we would get the permit to create vehicular access based on the fact that 75% of our neighbors already have their kerb dropped. To our surprise, the Northamtonshire Highways have denied our dropped kerb citing new regulations that came into effect in 2014. We were told we could appeal, but that we probably lose this based on the new regulations. Is there a way that we can appeal based on the other dropped kerbs (in legal terms called a precedent) or do we just need to accept the fact that we won't get the kerb lowered? Thanks for any assistance.

Hi everybody, I've been pointed in this direction by a reddit user for help relating to a Parking Charge Notice. I took my car to my local garage to get an MOT check done on 01/09/2016. The owner then drove the car to the MOT garage and parked it up inside and then returned back to his garage. A few hours later I hadn't received a phone call yet to say it had been completed so I rang up to find out that my car was OK to collect. I then made my way there and collected my car from the (private) parking lot less than 30 meters away from the MOT garage. Fast-forward a week or so and I've received a letter in the post saying my car was broke the allowed parking period in the car park and I need to pay a fine for £100, I replied to the letter stating the address of my local garage and to take it up with them - I then received an email a month later saying that the time period had ran out and I had to pay urgently - I reminded them that I sent a letter in the post some time later I received this response I then replied with this email (1, 2) using a template I was advised to use. I then explained to take this matter up with my local garage and the MOT centre. I then received this. What should my next action be? I'm really not in a position to be able to afford £100 so close to Christmas. My local garage has told me that they can vouch that I wasn't the person who drove the car there/parked it in the space. Any ideas? Thanks in advance EDIT: I now have a signed and stamped note from the doctors saying I was there when this incident took place. I've managed to find my google location history showing the time I dropped the car off at my local garage and when I picked it up from the MOT centre, this is attached. My local garage has said if it goes to court they will provide further evidence that I didn't have the car after 9am until Also included text to girlfriend with date and timestamp. Omitted names etc for confidentiality EDIT 2 - it turns out I cant include links or images, any idea on this first?

Can anyone shed light on the subject of a dropped kerb. New residents moved into the house across the road approx. two months ago...in super quick time they had a dropped kerb put in outside the front of the house....they cannot use their front garden as it is a "front garden" with shrubs and bushes etc. there is also a fence surrounding the garden so clearly not in use as parking space. Despite having the dropped kerb, blocking a space that until now was free to park on, they both continue to block our parking spaces with their van and car whilst their dropped kerb sits completely empty. I live in a block of twelve flats where nine have cars who now fight for five spaces while these selfish people effectively block three and half spaces. Is there anything we can do about it?

Can anyone tell me what a DC means when they want to drop the case but ask if I'm willing to agree to a no costs settlement? I always denied the disputed debt and complained to them for putting entries on my credit file, the O/C never did it.

Had a demand for payment from Scottish power through our communal letter box , incorrectly addressed i might add, in fact the address doesn't actually exist, there was no named account holder on the letter, just an account number & the amount outstanding, I checked for the sake of checking it compared against my old SP account , as i haven't been with them for some 2yrs, I rang them to see what info they would tell me,to see if i could help, but they won't say anything , Today they sent someone round to the property, i told him that the account number doesn't match and showed him it, and that this was not the address named on the letter, he asked if he could check and read my meter, i refused on principle and privacy grounds, he was ok about it, but said they will send someone else,lol i didn't have a problem with him checking the meter's serial number but i do object to them reading the meter has it has zero to do with that company , also i would of thought the account number would be linkable to the meter SN? Typical bullying from the big utility companies who think they can do whatever they want , Another example of this is the so called 2yr safety inspection, when the reality of it is purely about visually checking the meter for evidence of tampering and to also get a bona fide meter reading , why can't they be honest about it, and admit that they don't trust their customers instead of giving us bs excuses?, as i live in a privately rented property and has gas appliances these and meter are checked by a actual gas safe registered engineer once every year that is a safety check

Couldn't find a suitable forum for this... unbelievable. http://www.bbc.co.uk/news/uk-england-berkshire-34412120

Hi, this is my first time on a forum so apologies in advance for the length of this posting. We owned a 1934 classic car and in October 2011 it was being transported to a venue by a reputable carrier in whose tow vehicle my husband was a passenger. Unfortunately the car was totally destroyed when the carrier's driver lost control and both vehicles somersaulted across three lanes of the motorway. The carrier accepted liability and, as we had legal cover and it seemed a straightforward case, our insurers passed us onto Minster Law to handle the claim. Problems arose very soon after the claim was initiated. A friend, who is by co-incidence the head of a legal department with another insurance company, told us to claim as cargo, but Minster insisted the claim be handled as a RTA, even though our car was actually being transported by a third party. Months went by until eventually, the TP's insurers offered a ridiculously low sum in settlement, despite them having a certified receipt for the vehicle. (Anyone with any knowledge of classic cars would know that values actually increase with age, plus ours had been maintained in top condition.) They then deducted a high amount for salvage based on the assumption that because it was a specialist car we could disassemble it ourselves and sell it for parts!!! Minster suggested another option so we declined the offer and were told that court papers were being prepared - indeed they sent us a copy of the official notification. Still matters dragged on. We had to frequently chase for updates and answers to questions, some of which were totally ignored. We were worried because our car was being stored at a specialist garage and charges were growing daily. Getting desperate, we asked for copies of letters relating to our case. They were promised several times but nothing ever materialized. Then, in September 2012 we were informed, out of the blue, that Minster had received a cheque from the TP's insurers. Since we were under the illusion that court proceedings were pending, we were aghast that they had accepted this. When we queried it, we received a curt letter, which basically said 'like it or lump it'. The handler claimed it was an interim payment, that she had advised us previously to accept the offer (she hadn't) and we went against her advice. She intimated that our car was not worth the money we'd paid for it. She also told us we are now liable for storage charges from the date of the cheque. No further mention was made of court action. We reluctantly accepted the payment on the basis that we could still dispute the valuation but my husband phoned our insurers to report our unhappiness with the way things had progressed and also contacted the Complaints department at Minster Law. The claims handler suddenly went on long-term sick leave and the case was transferred to someone else. Despite this, the position remains unchanged. Minster refused to fight the claim as cargo and since we have continued to argue the valuation they are now refusing to act any further on our behalf. They ask that any new solicitor submit a 'lien'. We have no idea what this is, but it sounds ominous and expensive. Despite our requests for a meeting with the Complaints department, they say they cannot see any benefit in it. We invested my husband's entire redundancy payment in that car and had just started up a wedding business, but that has now been blown out of the water, yet we're not asking for compensation, only for justice. None of this was our fault, we've acted honestly and in good faith throughout, yet it feels like we're being punished for trusting: a) the carrier to transport our vehicle safely: b) the insurers to play fair and c) the lawyers who are supposed to be looking after our best interests. How can this seemingly straightforward case have gone so badly wrong? Answers on a postage stamp please!

Hi, some time ago we had notification that the housing association who own the house next door were going to remove the existing single dropped kerb between our properties and "give it to next door". I have downloaded a deed plan and property register of my property and the boundry puts the joint access on the housing associations side but the register states A: Property Register This register describes the land and estate comprised in the title. 1 (15.01.2001) The Freehold land shown edged with red on the plan of the above Title filed at the Registry and being (the propertY. 2 (15.01.2001) The Conveyance dated 4 January 2001 referred to in the Charges Register was made pursuant to Part V of the Housing Act 1985 and the land has the benefit of and is subject to such easements as are granted and reserved in the said Deed and the easements and rights specified in paragraph 2 of Schedule 6 of the said Act. 3 (15.01.2001) The Conveyance dated 4 January 2001 referred to above contains provisions as to light or air and boundary structures. Looking at he section of the act it seems to say that I am entitled to the same rights of use I had as when I was a tenant of the local authority. Would this include the dropped kirb and can it be taken away without application to the land registry to alter the deeds of my property.

My issue I received by post two Notice to Owner letters dated 11/11/2014 in different envelopes. These letter refer to the same office '27 Parked in a special enforcement area adjacent to footway, cycle track or verge lowered to meet the level of the carriage way. Both have a unique PCN number on them for a notice I have never seen or been aware of, nor handed to me in person nor left on my vehicle for me to find. Both refer to a contravention date and time, one 8/10/2014 at 10.52 PN11112536 and the other 8/10/2014 at 12.26 PN110-9538A for the same location, a local authority local road. Both request a payment within 28 days of £130. I can also make representation by post on a number of grounds should I think they apply. In addition on the same date 8/10/2014 I found my vehicle was missing from the roadside outside my home address where I can usually see it from my kitchen window and that it apparently had been impounded by the council. After I made some enquiries I found out where my vehicle was, that I had a dropped kerb offence which I had not noticed before, so I complied and paid £200 (removal fee)+£65 (parking fine) =total of £265 on the following day 9/10/2014 (within 24 hours) to the car compound in order I could get my vehicle back and park again outside my home address. At the time of paying this 3rd PCN and towing fine I was given a photocopy of another (3rd) PCN PN11095390 again that I had not previously seen, again dating the same offence, same date as two above two PCNs but time 8/10/2014 12.28. Apparently then removed by the council on 8/10/2014 at 12.33 to their car compound. My questions are 1 Do I have any grounds to see representation for all three PCNs for this same offence, on the same date, on the same location, by the same council, where my vehicle had not been moved, until the council removed it at 8/10/2014 at 12.33. Note I have already filled in a representation form to Warrington in Cheshire for PN 11095390 that I was made aware of on 8/10/2014 at the car compound. 2 Is it normal for a council to issue Notice to Owners letters to car owners without serving a PCN to them, and is this legal in the case of the ' 27' offence, in my case in question, parked near to dropped kerb but some 1 1/2 feet away from it on the carriageway. 3 Should I seek representation on the grounds that 'The penalty charge exceeded the amount applicable in the circumstances. In this case I have already paid £65 for the PN11095390 for time 8/10/2014 12.28, so should I be also need to pay two more fines as well for PN11112526 for a time 8/10/2014 10.52 and PN1109538A for a time 8/10/2014 12.26.? On balance these fines seem very excessive and costly and I think all 3 PCNs, (none that were ever handed to me or ever left on my vehicle), belong to the same single incident and span only 34 minutes apart. Note I have already raised a formal complaint to the council 'Major' as an email titled ' excessive parking fines' with reference to -over eager traffic wardens, -a lack of parking spaces due to daily commuters taking up all the parking spaces so that residents can not park correctly, -the fact my car was in need of attention due to engine / starting problems, -the fact I was engaged at the time in a household 'leaking gas' national grid emergency repair and could not be called away immediately from my home, -a lack of residents only parking zone unlike adjacent areas nearby, -a question about the 3 minute rule being ignored judging by when my car was removed (12.33) on PN 10095390 (12.28) -No opportunity to pay at a reduced cost. - a question whether these computer generated NTO letters were not an error. (when I go into council site no photo graphs are available at all for the PN in question, so I wonder if there was every any evidence taken at the time by the traffic warden wandering my council estate?) The recipient being the Major for the area then notified me that the council were looking into my complaint. I also noticed the other day out of my kitchen window a owned council truck parked directly across the same dropped kerb outside my home. So I took two photos of it and sent them to the council worker who had replied to me, making the point How come Council worker can park across the same dropped kerb,- a sort of hypocrisy going on. Can I ask for some degree of leniency in this case, or do I simply have to pay up for the other two at a cost of £260? Any advice would be most welcome on where I legally stand and whether I have any ground for representation at all?.

This could be a fun one.... A few weeks ago we moved house and our fridge freezer is the American type, tall with two vertical doors. We've had it a few years, a few small dents here and there. We weren't able to move it ourselves because of the size but (for those of you who know), we found someone on the Facebook "selling" groups locally - called Jean Claude Van Man. He quoted £35 to move it with two people for which we agreed. They arrive with a large transit sized van and proceed to pick it up (without really assessing anything) - they lift it on it's side (so the freezer door would swing open), and start taking it out of our rear double doors (there is a step down to a patio area). As the chap at the back inside the house gets towards it, he stumbles forward dropping it out the door, it landing on it's freezer door edge. Shelves spill out, one of them cracking the plastic frame. I'm not impressed by this point, so they upright it and get it on a sack truck(!) and get it to the van. By this point my partner points out that they better have insurance to cover the damage ... nothing is said. They load it in the van on it's side, pushing it in on a blanket of some description. Unloading at the other end is easier but I notice how much damage has been caused. Chips down the edge of the freezer door and at the bottom where it scraped. Scratches on the inside of the fridge door and a nice white scratch on the front of the door. Later on I put 1 and 1 together and realised that there is a nice long dent on the side of the unit, exactly where they had pushed it in the transit van. I got a "sorry about that" but thinking I was doing the right thing I paid them £35 (in thinking that by paying what I had agreed I kept my part of the contract therefore could take them to court for cost to repair or replace depending which is cheaper). So it ends up going back on Facebook that they drop it to which it is virtually flatly denied and they claim "they have offered to put it right" for which they have done nothing. I was given an address to write to to make my complaint for which I have sent a letter recorded delivery. Not delivered and it hasn't been collected (9 days now since attempted delivery) - I'm pretty sure I'm having it returned. There were messages on Facebook from them to us but they have now blocked us and the messages appear from "Facebook User" (but on the main screen it shows the name). I have a certain amount of evidence of them admitting liability but in my letter I request details of their liability insurers, which I'm 99.9% sure they don't have. My question in all of this is, assuming the letter is returned with no delivery, based on the above - is this sufficient to take them to court for compensation? I would request the amount it would cost to put it back to pre-dropped condition - whatever it costs to repair doors, failing that, replace doors, and if that's too expensive, replace the entire unit. I understand my evidence is mostly unsubstantiated but I have plenty of pictures of the damage and a few screenshots from facebook and also the messages we have from them. My next move? Many thanks.

I am totally confused here and annoyed to say the least. I have parked along a road with no markings indicating that I should not park in this particular place. There are vehicles parked here every single day. So.....the actual location is in my opinion not a dropped footway. It is actually a speed Bump on the road..one of many. It is clearly a speed bump and always has been. How can this be correct.

I am a long time reader of these forums and have gained some very help full advice from them. I have looked for an answer to my query all over the forums but not got a definite answer, so here it goes. I also hope I am posting in the right place. I have been paying cap-quest for a credit card debt on and off for almost 6 years and regularly £5.00 every month for over 2 years. It dropped off my credit file last year. I have not received a single letter off them or account status/statement in over 18 months. The last I heard from them was when they turned down an offer I made as a full and final settlement (I came into a small amount of money and managed to pay off all but two debts) they told me It did not matter if the default dropped off my file they would just keep it on my file (I know this was incorrect from reading other forums) and I had to keep paying them for ever or until the debt was paid. so what I am basically asking is 1. Do I have to keep paying them for ever or can I just stop and ignore there threats and hot air? 2. are they suppose to send me an account statement on regular basis if so are they in breach of any thing I can use against them? 3. If I do stop paying are they likely to apply for a CCJ? as if this is the case i would rather keep paying them as only got 18 months till all my defaults are off my file. I know some of this is in other forums I just need to clarify things on my situation so it clear in my head. Hope some one can help.