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    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
    • moved to the debt self help forum. plenty of like threads here to read along with the ones you've done so far..good work. last thing you ever want to do is look at any kind of IVO/BK or anything alike concerning consumer debt, never do that, turns unsecured debts into secured ones in many instances. your best bet for now is p'haps looks at  Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk) sadly you have to go thru one of the free debt charities to invoke that but DON'T be tempted to also open up a DMP with them, just get the Breathing Space done. get that in place that gives you at leasy 60 days buffer you've also goto to realise you'll probably get a default once breathing space is in place, bit if not it might pay you to withhold payments even after BS then p'haps re start payments once a DN for each debt is issued and registered. at least that way, whatever happens in 6yrs the debt will drop off dx  
    • Hello, I am a private seller and recently sold a pair of trainers on eBay.  Everything seemed fine until just after the eBay 30 day mbg had expired.  The buyer contacted me with photos showing me that both shoes had ripped.  He wanted his money back, and after refusing to refund him, he then left me retaliatory and defamatory feedback on my profile to the effect that I had sold him fake trainers (this was removed by eBay).  He then initiated a chargeback via Paypal.  Invariably, the outcome was in his favour, and I have now been charged for the cost of the trainers.  I would have also been stung for the chargeback fee, but eBay refunded this.  Incidentally, I do have the email receipt of the trainers from when I bought them from a well-established and bona fide online retailer.  The susbequent conversation with eBay followed its predictable course, i.e. the chargeback is out of their hands etc. I have been in contact with citizens advice, and my bank.  Citizens advice told me that as a private seller I'm responsible for the "Title and description" of the goods, but not the performance, or the fitness for purpose.  To me it is clear; if you receive something that's not as described, you don't then use the goods, and more than 30 days later claim 'not as described'.  In my mind, this makes the claim fraudulent.  He's used the 'they're fake' card to give credence to a 'not as described' claim here, obviously, without any evidence.  My understanding is that the chargeback is unlawful, because the trainers were shipped as described.  However, I read something on an eBay forum regarding sellers having no statutory rights, i.e. no right to appeal against a chargeback decision, or to complain to the financial ombudsman.  Does this mean that if my bank disputes the charge on my behalf, it will be to no avail, even if it's recognisably a fraudulent chargeback?  I have reported it via the Action fraud website. Any advice, anyone?  Would be most grateful!
    • Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided.    2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"?  Do I send anything for the Vodafone debt they have included?  I've only done 118 loan s. 77 & capital one credit cards so. 78    Thank you  
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Congestion Charge


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In April 2004 I was driving to Bolton to see my family as i live at the other end of the country.

My girlfriend was going to London to see her Mother at a hospital up there and was going to get the National Express.

 

 

I said as i will be going near London i will drop you off just inside London and you can get the underground to the Hospital.

When we got to London we got diverted due to road works and got lost.

 

 

I dropped my girlfriend off and started to try and find my way out of London.

I must of entered the Congestion Zone though i didnt know it or anything about it at the time and finally managed to get my way back on the M25.

 

 

There was no reason why i should of gone in the Congestion Zone in the first place other than getting lost and hence didnt really think anything of it.

 

 

I then went up to Bolton and after

 

 

a week got home to find a PNC for driving in the Congestion Zone.

I thought :eek: come on i wasn't even suppose to go in there and they want £40 for a £5 day pass if i had of paid.

 

 

in went my appeal as i felt unjust in getting this on the basis of

1, didnt know about the CC

2, Got diverted which got me lost off my track which made me end up having to go in there when there was no need.

there were other factors which i can find but dont want to bore you.

 

Well about a month later got a letter saying your appeal was unsuccessful.

If you want to appeal to an independant person you can.

i did again appeal in May and heard nothing back from them.

 

Then come November 2005 a knock on the door from a baliff while i was up in Bolton again and the girlfriend answered the door. They have come to sieze goods if i dont pay the £260 odd pound for the fine. :eek:

 

Gets straight home from Bolton which was 300 Miles to sort it out and rang up the congestion people.

They said your appeal was unsuccessful in Feb 2005 and you were issued with the £40 fine and if you dont pay it up it goes 2 weeks later to £80 and so on.

 

 

Well i didnt recieve this that the appeal lost

 

 

off to the county court to issue an out of time declaration on the basis i didnt receive the appeal decision.

They turned that down i went further with it to the courts who upheld my out of time declaration.

 

now i am thinking i have lost my appeal on having to pay(Which i think is wrong)

but hey ok after all this hassle i will pay the £40..

 

 

Rings up the Congestion people to pay and they say sorry we not recieved the papers back yet from the court to say you won your appeal and even so the fine is now £80.

 

EH???

rings up again in June (two months later)

sorry still not received the papers.

 

 

i contact Northampton and they say yes we have sent them the papers about your out of time declaration being successful.

 

 

can you resend them to them please. Yes no problem.

 

Then last week gets a notice through the door from CC

i have to pay £120 immediately. :( what is going on.

 

 

Contacts them again and they say they still not received the papers. :-x

 

 

Can you contact them again and ask them to resend them back out.

 

 

I said go do it yourselves.

Why do i have to be the middle man in all this going back and fourth.

You contact them they will tell you directly problem solved.

No they wont do that i have to contact them.

Told them to stick it and i will see if i can take them to court over this hassle.

 

This is now over 2 years over a paultry £5 which i didnt think i should of got and should of won on an appeal.

 

Anyone got any ideas ????

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

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PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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Hi

 

You could try contacting 'Citizens Advice'. What you really need is a solicitor or at least proper legal advice, but beware, you are dealing with an organisation that in my opinion is totally autocratic. A fly in a spider's web has more chance of escape than someone caught by the congestion charge.

If you live outside London and are not familiar with the way the scheme operates, then avoid driving into the city. There are no toll booths, no clear warning signs, no information for innocent visiting strangers, just cameras. Not like speed cameras, painted yellow which are more often than not preceded by roadsigns with pictures of a camera or even large worded warning signs.

We talk about unfair bank charges. The way Congestion charging operates is to my mind, nothing short of legalised extortion - unfair, unscrupulous and loathesome. You are given six different grounds for appeal. No other 'excuse' is accepted. Retrospective payment is not accepted but the longer it is before you ultimately pay, due to appeals etc, the more you are likely to have to pay.

The hub-centre is based I think, in Coventry. Phoning them up, they don't want to know! It's up to you to know about the scheme and pay up before you use it.

I already feel sorry for those people going to the Olympic Games who will get stung. Bet Seb Ccoe didn't include that in the promotion blurb and boy oh boy, will that add to the congestion. I bet they can't wait!

My daughter's group had done a gig in Islington, the last but one of 25 over 30 nights supporting The Fall on their British Tour. They were shattered and rather than drive back to Manchester through the night, they booked into a hotel in King's Cross. Leaving at 7-30am next morning, they were caught on camera leaving!!!! London at 7-55am. They never saw the camera or anything else warning them. First they knew was 3 weeks later.

Be careful that you are not throwing good money after bad. I really sympathise with what you have gone through but whilst I appreciate the problem of traffic congestion, in my opinion, their present charge scheme is unfair, makes a mockery of traditional British justice and should be scrapped.

 

PeterG

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