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Bhuna76

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  1. This is also the address from which Natwest send out new Cash/Debit Cards.
  2. I was not complaining that she hadn't been arrested but I am curious about one other thing. About 7 months ago, I went to pick my GF up from work and was driving the car WITHOUT her consent. There are other offences besides the TWOC which I admitted to. In my interview for the other offences, I admitted the TWOC and was re-arrested and cautioned again 'mid interview'. I was formally charged with the other offences(no insurance/no L plates) but was released without the TWOC charges being brought against me. Question is.... Can they re-arrest me for the TWOC given the fact that they had a confession and failed to do so at the time? Thanks.
  3. Thanks cazbar, I'll try and find the paper work but I've moved house 5 times since I signed up for the course. As I remember it, I signed for monthly instalments and the only amount that was taken from my account was the £50 deposit(at which point I immediately cancelled the direct debit). I believe the course was initially paid for in full to HLC by Barclays partner Finance who then take the monthly instalments from the account named on the agreement. When I received a demand for the full amount from BPF, I told them I had not started the course and was not going to pay them. They said they would want the money back from HLC and told me I was my responsibility and that I would have to arrange it. I'll try and find the paper work and come back with more details. Thanks again.
  4. Hi all HLC victims. I too signed up for a course over 3 years ago and have received letters demanding payment from CapQuest DCA. The same day the CapQuest demand arrived I received a letter from Barclays Partner Finance telling me they had sold my account to CapQuest. This is my problem....When the representative from HLC visited me in my home to talk to me about the course, he wanted a £50 deposit upon my signing of the credit agreement. I told him I did not have any money and he said he would NOT PROCESS my credit agreement until I had contacted him and made the £50 payment. The rep mislead me and processed my agreement which led to my bank charging me for Bounced Direct debits and for taking me £50 overdrawn after the finance company took money from my account. I DIDN'T start the course and was not sent any 'Work materials'. Barclays say they paid for the course(£1552) whether or not I actually did it, and HLC say I contractually started the course the moment I signed the Forms regardless of whether or not I was misled by the HLC representative. How should I deal with this? Thanks in advance.
  5. Hi guys. I have a similar situation,These posts have explained a few things BUT, I still have worries. I just received a REMOVAL NOTICE from 'Philips' Hand Delivered, regarding council tax from a previous address. It contains today's date,what it regards, who the debt is due to(Council), the Bailiffs FIRST name only and a mobile number. It does state the OUTSTANDING AMOUNT, nor does it have a REFERENCE NUMBER. It does state that bit about 'Re-attending with a locksmith etc'. The Tenancy Agreement is in my girlfriends name and she owns all the valuable items in the house. As the House is in her name, would Philips be able to get a court order to enter the property and seize goods for a debt that is in my name? Also, I have NO INCOME whatsoever due to my JSA benefit being stopped(GF works full time) How do they expect me to pay it?. Any advice welcome. GF is panicking. Thanks. (p.s. tried to post a new thread for this but wasn't allowed)
  6. P.s.. I got a letter this morning from DLC, and just BLANKED OUT MY ADDRESS.... And wrote on the envelope...NO CONTRACT RETURN TO SENDER! I did this once with a debt letter from a parking ticket which I was given whilst parked on private land.....That was 4 months ago! Heard nothing yet!
  7. I have an issue also with DLC(Debt, Legal and Collections). I owed Captal One about £300 from over 3 and a half years ago. I received a letter from Capital1 telling me that they were no longer in control of my debt as they had "SOLD THE DEBT" to an outside collection agency. I have NO CONTRACT with anyone other than capital1, therefore am I under any legal obligation to pay the debt collection company. Was Capital One in breach of the DATA PROTECTION ACT 1988 when they sold my personal details, phone number and home address to a third party???
  8. Got my third letter from the Debt collectors acting on behalf of Park force. 1st letter said don't ignore it coz it won't go away! 2nd letter was "Notice of Intended Litigation" giving seven days to respond, and the 3rd one says they are willing to accept a 'reduced amount' for the parking ticket. I didn't actually open the 3rd one. I held it up to the light and read bits of it. Then wrote put a sticker on the front that said 'NO CONTRACT-RETURN TO SENDER. That was 3 weeks ago and we've heard nothing since.
  9. Hi sorry about this post but, could someone please point me in the right direction with regards to Driving my GF's car whilst not insured.(she was ill and unfit to drive) I was stopped and she was told that she committed an offence by allowing me to drive uninsured, BUT, the police did NOT arrest her on the spot and not caution her and let her go on her way. I was arrested. NOT her! Need advice but can't find the right threads. Please help!
  10. Is there a link to the 'Excel' legal case? Keep seeing it mentioned but can't find it!!
  11. Just been reading the letter from the Debt collection Company...."Our client has now instructed us to recover the above monies from you as the driver at the time the vehicle was parked".. Correct me if I'm wrong but, are they not allowed to assume the Registered Keeper was the Driver?? OOh, and here's the scary bit..."The BPA code of practice states that "the courts do not look favourably on motorists or consumers who try to withhold information from operators when it has been asked for with genuine, reasonable and proper cause"". AND I have just this minute noticed that the 'Parking charge notice number on the debt company's letter is DIFFERENT to the one printed on the actual ticket!!??!! Haha, the plot thickens!!
  12. Already reported them. Even quoted the sections of the codes of practice that they are in breach of. Just a waiting game now. Got the first Debt collectors letter this morning. Debt recovery plus LTD. And THEY are a member of the BPA also. And they are regulated by the CSA(Credit services association) I hope they turn up on the door step unannounced, that would be a breach of CSA regulations. Haven't contacted, haven't replied and I admit to NOTHING! I love this. Bring it on!!
  13. Just checked and found that parkforce are in breach of the BPA codes of practice AND the regulations for the AOS(approved operators scheme). If this is true, does it mean that they have unlawfully obtained my details from the DVLA??
  14. The TSRGD 1994 no longer exists?? Damn. I could have had some fun. Never mind!
  15. Never mind guys. I just found this. It mentions the ' Traffic Signs Regulations 1994. Schedule 6'. .parkingandtrafficappeals.gov.uk/user_documents/LET656.pdf .. Parking bays on public carriageways must be 1.8 meters MINIMUM! Guess where I'm parking the car later..LOL
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