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About Ryanrs

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  1. No! thats literally it, just like the previous one that i got a CCJ for , 1st instance of any knowledge was the letter before claim! as for windscreen PCN i think people have been playing silly buggers in the carpark as i have seen cars with 2 or 3 pcn's on them that have clearly not been issued by a warden. theres a lot of kids hanging around causing problems. as for place its Chatham dockside outlet, 4 hours free parking. UKPCM in charge , they keep changing the rules between the main , multi-story and underground carparks also.
  2. Okay thanks for the replies. had a quick look over that link.. would it ok to just post up the solicitors letter as an image on here? thats all the information i have on the matter so hopefully eveything needed is in there.. here it is anyway 20181011_152658.pdf
  3. Hi I received a PCN from a Free! carpark some time ago.. 4 hours free then pay. I received no letters from UKCPM about a fine nor do i know what it was for . . I then get a letter from Gladstones saying Pay £160 else court action. I 'forgot about it'. Next i get a court letter which turned up at my address late , saying £273 to pay with response within 14 days else action will be taken. Ok this one i genuinely did forget about, i emailed them stating the letter was late and i forgot to take action due to work commitments and stress. Next thing i know i have a CCJ on my
  4. Hi, I am in a occupation that has very strict security and H&S Rules and I operate as a self employed limited company in this industry. Recently whilst on site I was calculating the ullage values of underground petroleum tanks using a solar power calculator as allowed by the company that I was working for. However the site manageress interrupted me from my work to inform me of a gate that needs to be open whilst I'm on site. Cut long story short, she see me using the calculator and assumed I was on my mobile phone and without a word to me, she reported it to the higher authoritie
  5. well, i was not sent any statements for the SO's that i paid, but on the copy of my credit file , it shows the balance for the account to be Zero. so surely this is proof that the balance is paid off. On my S.A.R - (Subject Access Request) data, i can see where the SO payments have been made, it does not state exactly that there has been a payment made, But there are notes of 'Cust relation chg' on a monthly basis, similar to what i see on my bank statements. After the last SO was paid -indicated by 'Collection Terminate' , the next recorded SAR data shows they sent an email to the cred
  6. Hi, thanks for the replies. ill have another look through the information later on to see if there is any details of letters etc. i do believe there is tho iirc. Thing is , The balance was settled,and before they issued the default, infact i overpaid them by £37 !! i did not realise this till not long ago when i digged out all my old bank statements and checked. The SAR states that i agreed to 5 payments of £37.50 to pay off the £188 balance, but they never mentioned this to me what so ever. However they did mention 7 payments of £25 and final of £13 by SO, this was direct to voadf
  7. buzby, would you recommend i discuss this matter with them over the phone, or in writing?
  8. Ok. buzby, what would your recommended plan of action be now then? surely there is a way to have these removed?! on my S.A.R - (Subject Access Request) it shows something abut me paying 5 instalments of £37 to which i never knew of before i got my S.A.R - (Subject Access Request) data. i do however have proof of paying SO of £25 per month which i DID agree to. the total balance to be paid was £188, which = 7x£25 and 1x£13 i however forgot to cancel my SO once the balance was paid and therefore have overpaid them by £37 (i paid 9 instalments of £25). the default was placed on my account becau
  9. ok, so i finally received my S.A.R - (Subject Access Request) data after a good 60 days from the original date posted. i have looked through it , some is quite complicated due to being computer generated , but i think i have got the jist of what's been going on in my file. Looking through it, i can not see any indication of a Default notice being sent out to me... and it also appears that my credit file has been defaulted while the account was still in dispute. Being as mobile contracts do not run under CCA rules, do they have to send me a Default notice prior to enforcing a defaul
  10. i noticed it says that i have agreed to pay £37.63 for 5 months and that i will pay by CC.. i really do not know where they got this from as i did not even own my 1st Credit card untill mid 2004 (7 months later!) and it clearly shows on my bank statements that i agreed to £25 per month and final of £13.. Also it says that i was 4 months late making my 1st payment, this is due to me thinking it was going to be taken from my account using my current DD, i received No letters informing me that i had missed a single payment, let alone 4 !!
  11. And Account Activity.... Edit- Sorry for all the big pictures.... i thought they would get displayed as thumbnails .. apologies!
  12. i have finally received my S.A.R - (Subject Access Request) data from Vodafone, after about 3 months of waiting!! but there seems to be quite a lot of voda jargon in there and im finding it hard to make head or tail of it!! basically, short story of what happened... A few years back i missed bill payment, phone got suspended and ,eventually cut off and i had to pay back the bill + remainder of the contract, which was £188. i was given the option of either paying in 1 go, or spreading the payments monthly @ £25 x 7 & 1 x £13. i missed the 1st payment as i was under the impressi
  13. Arrrg! sent off my letter confirming my address, over a week ago now. sent it 1st class direct to the person that requested my address details and still no reply or SAR data. Its starting to feel like the initial 40days has been voided and therefore giving them unlimited time to reply! So, how much longer would you give them before sending off the S.10 DPA ??
  14. ok, so shall i ring them or send a letter? can i set them a time limit for me to receive my data?? i am worried that if i say 'without further delay' , not being specific to any length of time, they could take as long as they want?!
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