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woolsty

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  1. In respect of the charges my daughter can't recall anything at all. She's asked RMG for a copy of the contract and they are unable to produce one in relation to late fees, charges etc. She's offered the fees in full and they've rejected them stating they want to go to court to settle the matter.
  2. hopefully this is the claim Now my daughter has never had any paperwork in respect of late payment fees, admin charges etc, 08112017, 2244 Office Lens.pdf
  3. What is the difference between the FREEHOLDER and holder of FREEHOLD INTEREST, in the papers it states the claimant is the FREEHOLDER and the defendant is the current holder of the FREEHOLD interest. The freehold as never been transferred to anyone, its owned by my daughter. thank you for everyones advice so far. The only thing on the proprietorship register is the fact that the house cant be sold without clearance from RMG.
  4. My daughter as never paid her service charge for the private estate she lives on after disputes over when the company RMG took over full responsibility and lack of work. After the debt built up she offered to do a repayment plan which they rejected. They then instructed PDC to recover the debt which they didn't. Now the outstanding charges amount to £378. They have now instructed PDC Law to take the matter to court. Which they have, and as a result they are asking for £378 in charges, £390 in admin fees and late payment fees ( for which she as never even had a contract explaining any such like ) and £840 in costs including £192 for the debt recovery agency. She as spoke to RMG and offered the full amount of £378 but they tell her she needs to speak with the debt recovery people as they are now handling the matter. Where does she go from here ? I think the charges are well inflated and if need be will try and defend them if it goes to court but she just wants a quick solution. Any help or advice would be appreciated.
  5. Having had all appeals rejected by the council i opted for a personal hearing at the tribunal. The council then withdrew the ticket and decided not to contest the issue.
  6. On 30/9/14 I parked on Braddon St Manchester at its jnc with Oldfield St to go and watch Man City. This area was originally terraced houses and they have all since been demolished. Even the vast majority of street names have been removed. I have since been back and only one sign exists at Clayton Lane/Oldfield St with the resident parking restrictions which are only enforced on event days. However if you drive into the area from the other side Turner St no such signs exists, just old signs on lamp posts. Even Google maps in 2012 clearly show that the houses have been demolished. Ive appealed on this basis and i am just waiting the outcome. Seems not to be within the spirit of the regulations really. Fingers crossed.
  7. I am unable to locate the letter, however from my statement 3/11/07 to 3/12/07 it states i have an overdraft of X amount , in the charges section i am charged an advanced overdraft interest of a few pounds. My next statement and subsequent statements make no reference of having an overdraft. In the charges section i am charged £25 for an unauthorised Overdraft dated 2/1/07 and again the next statement. I am going to assume that the overdraft was withdrawn on the 2/1/07.
  8. They withdrew my overdraft facility in January 2008 , they sent a letter stating the same the previous month. Hence why i closed the account down. This was done i believe because i had commenced proceedings for bank charges.
  9. After dispute over the bank charges i closed my account with Abbey in 2007/8 . The last transaction being on 31/12/2007. I left with an unpaid overdraft of £1550 , which i disputed during the bank charge reclaims. I was contacted by Equidebt in 2010 asking for payment, i countered by not acknowledging the debt and stated that the overdraft was simply bank charges unlawfully imposed by the bank and that i would defend any further actions along that basis. Equidebt never proceeded any further. I have moved house since 2010 and today have had a letter from Santander thanking me for updating them with my new details i.e. coa. I have not acknowledged the letter. The account as been inactive since 31/12/2007 albeit they continued to send statements for a short while. Is this overdraft debt now statute barred ? Would it take effect from the date of my last transaction or the official date the account was closed which was sometime in the January.
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