Hi all, I'm hoping I can get some help on this I have a property that is let out (with permission from my mortgage provider) while I have been working abroad. The mortgage provider has my correspondence address on file. The management company for my estate charges me an annual fee. I've been late paying this before so I signed up to their online account so I can track it online, which is easier for me. In September 2015, they emailed me saying that they were moving to a paperless solution and would be emailing invoices and other correspondence from October 2015. I did not receive an email and forgot about it until Jan 2017 when I got an email requesting payment for 2017 charges and promptly paid. I picked up my mail from my rented out property August 2017 (most of my mail is redirected but some slips through occasionally) to find a letter from my mortgage provider stating that a charge of approx £720 was added to my mortgage in respect of late rentcharges. This letter was dated June 2016 but they sent it to the address I have let and not my correspondence address so I did not get it at the time. I have received letters from them before and after this date to the correct address. I went back through more mail to find that PDC had sent me letters chasing the management company's invoice (that I did not receive). A quick summary (all these letters went to old address so I only got them in August 2017): early Feb 2016 - management company sent "final demand" letter for payment (not paperless!) (approx £150) late Feb 16 - PDC wrote asking for £370 and including a form asking me to authorise them to take it from my mortgage provider early March 16 - PDC wrote again asking for payment mid March 16 (10 days later) - PDC wrote again stating Section 121 and asking for payment of £720 to avoid legal proceedings. They sent this to my mortgage provider too late March 16 - Mortgage provider writes to me (at wrong address) saying PDC alleges arrears of £720 stating that they won't take action unless they get evidence that PDC can take forfeiture action early June 16 - Mortgage provider writes (to wrong address) to inform me that £720 has been added to my mortgage I called mortgage provider and they told me that PDC provided "evidence" of a CCJ against me in April 2016 and that is why they paid. I checked my credit file recently and no CCJ has been recorded. I also never received a letter from PDC after mid March. I've seen other posts about PDC on this forum but most people were able to stop action before they went to the mortgage company. I'm looking for advice on what I can do now to get those funds back from PDC. I have also filed a complaint against mortgage provider for not writing to my correct address.

Thank you both. I may just have to concede on this one then!

Thanks! They have sent me a form to appeal to the adjudicator so I will give it a go. They sent me a copy of the notice of rejection that I didn't receive along with this yellow form.

The PCN says 12R - parked in a residents bay. On this website, http://www.penaltychargenotice.co.uk/parking/contraventions-for-parking/contravention-code-12/, I found this "2. Quite often motorists are confused by poor signage, for example where pay and display bays join resident’s only bays. Camden council in London are particularly poor at signposting their various restrictions. If the signage is confusing you should take photographs and make representations. If the signage is not clear and does not comply then the contravention did not occur. Remember that there should be a clear and un-obscured sign within 15 metres (3 car lengths) of where you parked. If you have different types of bays adjoining each other for example pay and display bays adjoining residents parking bays then there should be a sign either at the point where the bays meet with arrows pointing each way and clearly showing the different types of enforcement or signs showing each restriction within 5 meters of each side of the demarcation line. We do not believe it sufficient for there to be just demarcation lines in the Road." But I'm not sure where that quotes from. In their rejection notice, they said the sign was in the middle of the bay but it was not. On the day, I remember looking and not being able to see one close to me. On google street view, I did see it and it was closer to the other end than the end where I was parked. They also said the sign was 12 metres from my car. The quote above says 15 metres is roughly 3 car lengths and the sign was about 4 car lengths from me (this is all based on google maps as it was raining too heavily to take pictures that day).

This is a long and tricky one so bear with me... I parked in a pay and display bay in Camden and attempted to pay for parking by phone. I can't remember which company they use but it wasn't one I was already signed up to so I had to register. The registration process was TERRIBLE! Poor voice recognition and I kept getting disconnected. After a few attempts, I thought I'd pay for a short time with the coins I had and try the phone again when I got indoors where it was quieter. I did try to phone again but it took me about 20 minutes to pay and I eventually had to be transferred to an advisor. While I was doing this, I sent me fiance to check on the car and he saw an attendant writing out a ticket. You can even see his foot in one of the photos! This was on 20 June 2012. I sent an informal appeal on 5 July and had it rejected via email on 17 July. I emailed back saying I was not happy with the decision and wanted to make a formal appeal. They replied by email on 1 August saying "I understand that you wrote to us on 13/10/2012..." yeah, apparently I wrote them a letter from the future Anyway, in that letter, they said I should wait for the notice to owner to make a formal representation. I never received the Notice to Owner but instead got a letter from the local County Court. I filled in the details saying I never received a NTO and they cancelled any proceedings and said Camden would get in touch with me again. I finally received a Notice to Owner dated 14 Dec 2012 and sent my formal representation on 14 Jan. I did not receive a response but I received a Charge Certificate dated 5 March 2013. I got in touch with them again saying I had not received a response to my formal representation. They responded with a letter saying a letter was sent to me on 24 Jan 2013. With exception of official notices, they had been responding via email up until now and I definitely did not receive an email OR a letter. They enclosed a copy of the letter of the rejection notice. In both appeals, I included a copy of my phone bill that shows I attempted two calls BEFORE my parking ran out and 3 after before finally being able to make a payment with an advisor. They rejected the appeal based on the grounds that I only tried to call AFTER the parking expired and they ignored the fact that I called 2 times before. This is all getting so annoying because it has been so long. If I appeal again, do I have a decent chance based on the fact that their pay by phone parking was so difficult to use? Or should I just give up at this stage? Thanks

I got a PCN from Westminster and I have already filed an informal appeal. There were 2 signs one above the other right beside where I parked (photo attached). One said "Disabled badge holders only. At any time". The one below said "Mon-Fri 8:30am - 6.30pm. Maximum stay 4 hours, no return within 1 hour". I figured that the top one applied to the bay in front, which was clearly marked disabled and the other applied to the bay in which I was parked (photo attached). It was raining really heavily that day so I couldn't get pictures but I used google maps streetview to get photos and used that for my informal appeal. In the rejection letter, they stated that I was in a residents' bay and there was a sign 12 metres behind my car. I remember reading somewhere that where one restriction meets another, there should be a sign 5metres from either end and there definitely was not. If this 5 metre rule is accurate, could somebody please point me in the direction of the official wording I can use to make a formal representation? Thanks!

Hi all, I moved into my house almost 2 years ago and sent the new customer with meter reading forms off but never heard anything. I contacted e.on 3 months later to tell them I still hadn't received a welcome pack or a bill and never got anything back from them. Yesterday, I received a HUGE electric bill that I'd been waiting for to cover all the time since I moved in. I know that the billing code states that they cannot charge for more that 1 year if they are at fault so I looked for the proof that I contacted them but couldn't find it!! I registered for an online account based on the info in the bill and saw that they have actually been taking meter readings since I moved in but just not billing me so I took screenshots of it all and plan to write to them. Is there a template somewhere on this site that I can follow? I tried to look for one but didn't find anything. And also, do you think I have a case using these screenshots as proof that they were taking meter readings (as they are tied to my user account). I'm just waiting for the gas one to fall through the letter box now!!

Welcome to the forum akes. I'm not sure what happens in this instance to be honest. I'd imagine the debt would still be unenforceable because they were not able to provide the original CCA within 12 working days. Hopefully somebody with more experience can chime in.

any update? I am in a similar situation, I graduated in 2005

UPDATE! So I have to admit, I hve been slack regarding this whole thing. Instead of the credit agreement, Link sent me an application form with a forged signature - don't know if they forged it or not, but it WAS NOT my signature. They have called a couple of times since and sent one of their infamous postcards. The letter I sent is attached I will do better to keep you all updated. This debt will be statute barred in a few months, probably why they have increased the frequency of their calls. CCA_reply_2507.doc

Oops, I'm sorry - I thought I had given an update. I ended up paying for an upholsterer to come in, take the arms off and put it back together again. With me working out of town all week, this was the easiest option. They managed to scuff one of the chairs during the process and are either going to have the scuff removed or replace it if they can't remove it. It is so small that it is not worth the hassle of having them replaced. It has been a long process partly because of me because I work away from home so frequently. If I had been back home, I'd have been more likely to fight but I have my chairs now and I do love them

I just checked my credit file and Link have registered a default against me...the strange this is that they are keeping the account private and not updating Equifax so the first 3 months showed up as "Default" and now nothing. Could they have something tricky up their sleeve? I have not taken any further action after receiving the credit agreement with the forged signature.

Lol yes it is! I posted this on MSE and I got only negative responses saying it was my fault for not taking measurements myself.

ah wow gyzmo, you really are a star Thank you so much! I will let you know how it goes.

All on debit card