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    • The sticky thread is locked because it's just a template thread. We need to see the invoice you're disputing. And for you to answer the questions below (I'm guessing this is an ANPR capture, the vast majority of tickets are) -   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up both sides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY
    • Perfect, thanks Dave.   You're right, a whole dodo storm this has been. As sons of first-generation immigrant parents, whenever something like this happens the old man panics. There was a whole "appeal this now" because my dad paid for the parking as he was with the hirer at the time and he isn't as tech-savvy as my brother so he ended up doing what he did and because I don't live there anymore it came all the way down to this.  But yes, we'll do this SAR and see what comes of it.  Will keep posting here with the hopes that it may benefit someone in the future.  Thanks again, everyone. 
    • saying the thread is locked, what shall I do?
    • Please fill in the forum sticky and upload a copy of the invoice, redacted of anything that could identify you -  
    • first time to use this forum, so a bit clueless got a PCN from Horizon, saying that "exceeded ma stay period" any template for me to make appeal please?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Capital One have affected my credit file in a negative way and I paid .


mooshy
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Thanks

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I have spent the last 4 years making my finances and credit file 100% so I could confidently escape a not nice relationship .

My credit file was 100% and I was v proud .

 

Bank have offered me a decent remortgage ( 6 weeks ago ) and solicitor has filed consent order so I could be as planned divorced and have bought my ex husband out of the family home in a few weeks.

 

 

However I stupidly used an empty Cap 1 cc when it was all I had with me recently .

I only put about £65 on it .

 

They contacted me to say I hadn't made the minimum payment and i assumed they were right and paid it immediately with a promise from them it wouldn't affect my credit rating .

I was shocked to then be told I hadn't made another payment .

 

 

When I looked I actually had made a payment of 15 on time the first month and after their contact made a further payment of 15.

I also told them I would pay it all off immediately and did .

 

They contacted me again and said my account was in arrears saying they've received no payments .

As instructed I faxed all my bank statements through with a covering letter .

Still no response

 

 

I used their online complaints link called resolve .

I heard back yesterday to say they could see I had tried to pay !

However I had used a wrong reference number and it wasn't into my account ????

I was to call the bank and recall the payments and then pay them at capital one .

They said they could see i had tried to pay but would be rejecting my complaint and would consider amending my credit report when I had sorted this .

 

I'm now so upset and frustrated that I not only paid this but I put my account in credit and no idea where it's gone .

My worst fear is that I now won't get my mortgage advance to buy my husband out and it's cost me almost £10000 in legal fees to get this far .

 

Will they now refuse my remortgage ?

how likely are they to ammend my credit file and how long will that take ?

Many thanks for reading all this .

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Stay OFF the damn phone!

 

CRF's are not updated immediately, they take at least 3 months, and in some cases longer.

 

Check your files, statements, and see who you paid and when, anything these clowns tell you over the phone is fantasy. Surely you've been here long enough now to know the tricks they pull?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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