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Popular Content

Showing content with the highest reputation on 19/06/09 in all areas

  1. 1 point
    by Alan Watkins Three top Medway councillors have been caught parking in spaces reserved for disabled drivers. Their cars were photographed at the council’s Gun Wharf headquarters in the clearly-marked disabled section. The trio of Conservative councillors were: Cllr Alan Jarrett, the council’s finance chief and deputy leader who has extracted £200,000 in parking penalties from Medway’s drivers over the past 12 months. Cllr Reh Chishti, pictured, the council’s community safety and enforcement chief. Cllr Tom Mason, the man responsible for protecting Medway’s disabled adults. The photographs of the cars was taken last Monday night by Labour’s Cllr Glyn Griffiths. All three were parked outside the council entrance at the offices in Dock Road, Chatham, in spaces marked in yellow for disabled drivers. Cllr Jarrett has ordered a clampdown on litter louts after admitting parking offenders seemed to have learned their lesson. Cllr Chishti, also Conservative candidate for the Gillingham and Rainham parliamentary seat, said: “It was late, it was in exceptional circumstances and it was the first time I had parked there.” Cllr Jarrett said: “It’s typical of Labour to focus on something like this. There was a Conservative group meeting and the council offices were closed.” Cllr Mason pointed out it was raining and the offices were closed. “Ordinarily, I wouldn’t park in those spaces, but when the offices are closed it’s OK.” Cllr Griffiths said: “It is so arrogant to say it is all right when no one is about. Does that mean it’s OK to park on double yellow lines at night or to jump a red light at 3am? “These are the very people who lecture the public on their responsibilities and who buy the Smart cars with CCTV cameras to enforce it.” Cllr Maureen Ruparel (Lib), who has a disabled husband, said: “The administration bought Gun Wharf with insufficient parking spaces for staff, public and councillors. The public are made to feel they aren’t wanted in Fortress Gun Wharf.” Original article : Councillor parked in disabled bays Photos of the councillors involved : Medway Council - Councillor Tom Mason Medway Council - Councillor Alan Jarrett Medway Council - Councillor Rehman Chishti
  2. 1 point
    Just had my clearance renewed. DVA sent me the world's longest financial questionnaire because they couldn't find me on the CRA database (for reasons I won't go into here). The case officer told me that they don't take that much notice of CRA files anyway because they are so often inaccurate. I have a CCJ (obtained by default in the wrong jurisdiction), and several defaults. They didn't prove to be a problem. I gather that if a lot of CCJs, or evidence of serious financial irresponsibility, whilst not necessarily a bar to clearance, will get you a DV-stylee interview.
  3. 1 point
    Who's attacking who and where? :-? You expressed your preferences, I expressed mine. Chill out, there's absolutely no need to feel aggressed simply because I prefer the 3 yrs system. PS: It works both ways, please don't assume what type of car I have. In fact, I have a 7 seater Grand C4 Picasso. ;-)
  4. 1 point
    How can you prove you don't have something? It's upto them to prove it. Wait for them to contact you in writing. Then send them this: Dear Sir/Madam Account no: XXXXXXXX You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to yourselves. I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. This is formal request that you remove all telephone numbers relating to me from your database. You must conduct all correspondance in writing only. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. Yours faithfully
  5. 1 point
    Perhaps 1 of these days Kraken & diddy will realize that what i am trying to get across to everyone on here (maybe not well admittedly???), but what i try to say is...that only the county court that has the power to obtain money out of the individual in this country. Yes i agree that anyone can drag anyone to court - but there is a fee for that & thats why most (not all) DCA's dont go anywhere near the places & just rely on threats in the hope that you buckle with fright & pay up. I & many others on here know what DCA's are like - you only have to ask the likes of ODC & Babybear for their examples of things that have been said to them by DCA's. They lie,cheat,bully,threaten & no repayment amount is ever good enough for them. I encourage people to go to the courts because that way it is all sorted out properley/legally/officially & an amount will be paid based on what they can afford rather than what the DCA wants them to pay. Why some see that as reckless/irresponsible or poor advice is beyond me? I suspect they know the more people can just get away with re-paying £1 per month in a county court, then the more the DCA sympathises like Kraken & Diddy will take a dislike to you. I get accused of all sorts coz thats the line i take, well let me say that it would be even worse if i said "oh just pay up staight away/give the DCA what it wants" etc... I know Kraken & diddy would rather i did take that line, but i wont. Call me a vigilante/a revolutionist..call me whatever you want (sticks & stones etc...) but i will carry on giving my advice & carry on saying things like what Diddy has quoted me on above. If people like me for it then great, if they dont then tough...plain & simple as that
  6. 1 point
    Hi Andrew1 I don't give a hoot where people come from. I care about how they conduct themselves. My nice english neighbours are the filthiest chavish **** you'll ever come across and there isn't a fiddle invented that they don't know about. They burnt down the other neighbours fence when they had a drunken BBQ and thought it was effing hilarious. They register cars in false names at local addresses and run up endless parking fines. There's 4 generations in and out at all times of day and night. Domestics day in and day out, other neighbours cars vandalised, used nappies discarded everywhere. The smell..oh the smell. My god. I could go on and on and on. We have had a living hell ever since we moved in seven years ago. The nice doctor couple who sold us the house were just as bad for selling us this place and Me - well I'm just stupid for overlooking the most basic rule in the book: caveat emptor. Sometimes wonder why I'm fighting so hard to keep the damn place. Oh and they've got addresses all over the borough. All council. For me it's the system pure and simple. People will just do what they do. Respect. EIE. (Likewise have a good weekend)
  7. 1 point
    If you send a request for a copy of your agreement under s77/78 Consumer Credit act they have 12+ 2 days to respond with a copy of your agreement...If they do not comply in that time you can put the account into dispute and refuse to pay until they come up with the goods! How old is the account by the way? If you send a SAR you can also ask for a copy of the agreement and any statements for the account.... that way you can claim back unlawful charges. Depending on what you get back or how long they take to respond is how you take it from there.. Halifax did freeze my interest and put me on a payment Plan but I am now querying my agreement because I have some dodgy paperwork sent by themselves and I'm hoping to take it further. Good Luck. Spam.
  8. 1 point
    When did you sign your agreement? If it was after their license lapsed on 23/1/09 then i think you are in a strong position to negotiate your own repayment terms if you want to return the original sum advanced to you. I would send an email along the lines of what I did making it clear that if they do not accept what you are comfortable with then the onous is on them to prove the enforcibility of your agreement in court. If they were able to do this then why would they write off the £810 they said I owed them? They didn't even take the extra £120 I offered them to settle. On the second issue, I had a similar experience with my bank about 6 months ago. I cancelled my card and 2 weeks later a payday company took £10 out of my account using the cancelled card. I was livid to say the least! On the plus side I was glad it was only £10 because I had just been paid so it could have potentially been much more. However, I raised the issue with my bank and let rip on the basis that my account was no longer secure and that it seemed anyone I had financial dealings with in the past could plunder my account if they so desired. I was told that as I had given authority in the past then the bank had assumed a standing arrangement was in place and authorised the payment. I found this unnacceptable and much arguing and threatening with FSA / BOS resulted in a refund of the money and an assurance that no future payments would be authorised on that card. I still changed my bank though.
  9. 1 point
    nice one GG, send it to the sols i would say. i would send the cpr as well give them 7 days to comply. try this with it if no one has any changes or other ideas. Dear Sir, Thank you for your letter of xx xxxx 2009 in reply to my request for disclosure under the Civil Procedure Rules. In your letter you state that this matter relates to small claims and therefore Civil Procedure Rules do not apply. From this I take it that you refer to CPR27, however may I refer you to CPR26.8 which deals with matters relevant to allocation to track and in particular part (1)© which states: “(1) When deciding the track for a claim, the matters to which the court shall have regard include- © the likely complexity of the facts, law or evidence;” As this case revolves around the issue of the enforceability of complex contract documents governed by the Consumer Credit Act 1974, I fail to see how this can possibly be allocated to small claims track and therefore I am at liberty to ask for disclosure under the CPR. Indeed as no track has yet been allocated I enclose a further CPR31.14 request for disclosure with which I trust you will conform. Should you not be able to do so, I require your reasoning in writing within the timeframe of the aforementioned request. For the reasons outlined above I would appreciate a swift response such that I may formulate a defence to the case against me and save the resources and time of the Court by dispensing with the need to file an embarrassed defence and subsequent amendments. Yours Faithfully
  10. 1 point
    welcome to C A G hope this helps but please start your own thread you will get more response to your questions that way i have copied and pasted below for you as one of your question is much the same as jonny england Originally Posted by jonny england the liability orders are 1999 2000 2001 2002 !!!! this is the answer from tomtubby bailiff expert Can you please confirm that dates of these Liability Order as there would appear to be a problem with enforcing Liability Orders issued so long ago. I believe the case law on this is R v Thameside Magistrates Court & Thameside MBC Ex Parte Coleman & Davenport 1998 and that this provides that a local authority should not delay more 4 than years between obtain a Liability Oder and Distress.
  11. 1 point
    Send the idiots this; Dear Cretins, May I suggest your client contacts the General Register Office (GRO) or either Faraday Tracing Bureau (FTB) or Tracesmart Ltd for a 'Mortality check'. For a fee they will supply death register information. Yours,
  12. 1 point
  13. 1 point
    Use this letter to stop doorstep visits Look at letters 3 and 4, there is afew more on there too The Consumer Forums - Debt collectors
  14. 1 point
    Just a note here. It is best to wait for the ICO opinion (if you have complained) as the Judges tend to use this in support of your claims - I know this from personal experience.
  15. 1 point
    They are trying it on, even if they had a legit agreement by the time they got past Northampton and county court they can only get a charging order if you default so that's a long way down the line. You need to send them a stiff letter as MC are their in house cowboys who work in a pretty much automated sort of way and when it comes to sending out bespoke letters tend to make a lot of errors.. Point out the account is in dispute as the agreement didn't contain the prescribed terms and quote some case law Go on to say that any litigation would be defended and you would use your rights under CPR 7.3 at AQ stage to ask the court to produce a copy of the original agreement or dismiss the claim Also say that despite the account being in dispuite as a sign of goodwill you are still happy to make your payments as per your debt management plan This give you a lot of ammo should they pursue legal action.
  16. 1 point
    Sorry for resurrecting this old thread, but matters have developed and I think the resolution may prove interesting/helpful to others who have especially large water bills. Essentially, I wrote to my provider, Southern Waster, er...Water, and demanded a meter. they duly sent somebody around who, due to various problems with the layout of the building couldn't fit a meter... ...however, I am informed by said chap that if you request a meter and can't have it fitted for reasons beyond your control, you are - apparantly - legally entitled to a substantial discount on your unmetered bill. I have yet to hear from SW on what this discount will be, but I urge anyone in the situation of paying a large amount for a bill but who doesn't think they could have a meter to try for one regardless; you'll either get one, or qualify for a discount because you've asked for one.
  17. 1 point
    I have been through the bank charges sucessfully before and im disputing various cards,when the agreements came they were unenforcable so now im not paying and havent been since november and ive claim on the charges back too, I have no intension of paying any of them unless they take me to court,which they wont, with the help from this site you will gain knowledge and confidence,just be prepared to do a lot of reading and If your not sure ask, Im not as experienced as a lot of others on here so someone will give you the correct advice. At the moment I have ppi waiting to come through for a couple of grand and more to come, the idea behind the cca is to give you something to dispute 12+2 days-this will probaly never arrive and you can send the "account in dispute" letter off-that will be the reason to stop paying.(£20) the sar will come up with the agreement-maybe but certainly the charges and any loans +ppi this will give you ammunition for reclaiming your charges back and you should be able to put in a claim for hardship when you dispute the accounts what have you got to lose , your probaly skint now anyway and if your missing the token payments your credit rating in going down hill,so make the most of a fight back against these banks and get some money back in the process.
  18. 1 point
    HHmm..Although Egg CCA are better than some, they normally have a signature and some of the prescribed terms, a quick search on here will show they are certainly not water tight. Many posters on here point out that Egg CCA's miss the prescribed term Amount Of Credit, Egg CCA's generally have an 'Approved Limit' instead which is open to interperation. Andy
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