Hi guys and girls, just a quick few questions to see if anyone can help me?? I got a PCN on a public road for '01 Parking in a restricted street during prescribed hours'. I was actually parked on worn out old double yellows about 4 feet from the clearly marked new ones painted on the road! On the new double yellows there was a sign for no loading between 8.30 - 9am and 4.30 - 6pm. I was issued a ticket at 13.55 - 13.58, out of the restrictions. The council have rejected my complaint that I was not parked illegally. Also the photo's they sent have No time and date stamp on them, showing my car on the old yellow lines?? I wrote lastnight asking for clarification of which offence I had been reported for....parking legally or loading whilst the restrictions don't apply? lol....Any other Idea's.....as for a change I was actually innocent and am angry that they want me to pay for doing nothing wrong..... Russ

Hi Germany2006, I too cannot beleve that the judge didn't gve you costs after the defence failed to even turn up! That is disrespectful to the court.....and you! Would it be worth contacting a more senior judge to ask for their opinion?? Also what about a costs order as per bank charges claims?? Could you not apply to the court for your time and court costs using this tact? It looks like I am going to try what you have done against, Natwest, EGG and also HOTPOINT / INDESIT......as hotpoint have given my data to a third party without my knowledge or consent and were caught doing it.....lol Russ

Can I invite Natwest??? Or Moorcroft Debt Recoveries heavies they offered to send round??? lol........... We could have a set of stocks with custard pies for charity???? lol......

Good luck Germany...... i am subscribing today.... I also have EGG on data protection act, by the looks of it.... They have 1 signed agreement for 1 loan, but have registered 3 loans with CRA's...They have Moorcroft chasing me.... They have breached CCA request and committed criminal offence.... Mis-sold a PPI then told Financial Ombudsman they refunded it, but never did as it was added to the loan and interest charged on it! I just have to wait for SAR's request to hit 40 days.....lol I will be following you superb advice.... I would like to get some advice from you when you are free if that is ok? Take care.... Russ

Hi everyone, I need some further advice after having Moorcroft telephone me first thing this morning threatening me and swearing at me again.... I have a loan with EGG. EGG still own it as there is no deed of assignment and moorcroft admitted as much. Moorcroft had letter from me stating that all correspondance should be by letter. This was months ago! EGG have not supplied CCA with T&C's and statement of account before the 12 days then 1 month. There time was up on 13th May 2007, last sunday! Today Moorcroft start harrassing me by telephone again! I told them about the CCA not being supplied and that they had in my opinion committed a criminal offence and were being reported to TS. I was then told by this little twit, that he would send the some guys to collect their money. So I said feel free, but if they set foot on my property they would be arrested for tresspass..... I ended up losing it and venting a load of proffanities at him, then put the phone down...sorry guys....I saw red! The problem is that EGG have listed the loan with Experian and Equifax as settled! Does this mean that I can tell them where to go?? I was thinking of sending EGG and moorcroft a copy of credit report page, along with request for the new CCA for the loan EGG listed as well... EGG have told Experian and Equifax that I took a new loan out with them... Which is really my old loan in disguise with incorrect loan amount, term and monthly repayments... But they have no CCA for this so called new loan...... I requested a copy at the same time as the old CCA but they cannot supply it......As it never existed! What should I write to moorcroft?? And what do I do about EGG?? Please help..... Russ

cheers dx100uk...... I was going to send a notice to them letting them know they may have committed a criminal offence....and that it is being reported to trading standards, OFT and the FSA... I was just trying to find out under what legality, I could ask for all the money paid to them so far, back! They have listed that I have paid them £4400 back on a loan that I never signed an agreement for..... I just want to use the law the same way they have done to me to stitch me up.... If they cannot enforce an agreement because they don't have one, what legality allows me to ask for the money back???? Cheers.... russ

I received copies of 3 loan agreements and 1 credit card agreement from Egg today. Just the agreements, one of which I don't recognise and know I didn't sign.... All of these are listed with experian as settled.... the one they cannot supply the CCA for is the one they are still asking me to pay. They started this loan, No agreement and are trying to enforce it.....lol They never even gave me the loan amount they say i owe them....lol They have had me thinking I am still paying one of the settled loans..... Am I correct in saying I can ask for all my payments back for this loan if they cannot prove it ever existed?? As there was never an agreement?? Also were they supposed to send terms and conditions and statement showing what is still owed?? Cheers... russ

The company has is ammending their claim as it was a class action.... But they want me to pay them £50 for issuing claim..... As they issued after i wrote to them, I don't see why I should pay.... Any idea's?? Russ

Just had phone call from the company saying they are dropping the request for a third of what I get back from Natwest......But they want me to pay £50 toward the class action they started after I told them to stop processing my data and return my letters and statements! The person I spoke to went on about how they were going to get me £700 extra on top of claim..... But I don't want extra.....I just want what the bank charged me and the interest they took..... To take the extra from the bank would make me as bad as them in my eye's..... I have about £4000 in charges now.....he said he would get me 3 times that.....what a parasite..... Anyone advise me if I should pay them £50 for a claim they issued 1 month after I told them to...all they had done up until then is ask the court to waive the court fee's.... I told them to drop it in February when they hadn't contacted me in over 6 months.... Advice please.....

cheers everyone for the advice.... I will get onto it after I sort out my nightmare with 2 claims being issued on the same day at 2 different courts.... by myself and a company issuing a claim under my name without my conscent!!! God this is getting complicated.......lol Russ

I went to a local company in mid 2006 to reclaim my bank charges. They got me to sign a request to have court fee's waived. 6 months on I hadn't heard anything at all. I went into their office and was told it had been denied, but they had been too busy to contact me. They told me that they now had a solicitor dealing with the cases. If I wanted anything else done I should sign an agreement. i got home and thought about it and wrote to them rescinding my authorisation to act on my behalf as they had not contacted me. Also that I felt they had not acted in my best interest. This was Feb 9th 2007. I received a letter from them within days asking me to sign agreement with them and solicitors. I ignored their request as I had told them I didn't want them to represent me anymore. I filed my own claim and have had everyone on here helping me get it ready....barracad, un1boy, etc.... Today i got a copy of the back of an N1 form with a request to sign it. I called them and they want a third of anything the banks give me from my own claim. They have ignored my letter and continued action against my bank! They have the same court date as me but in a different county court.... The N1 was signed on my behalf by their solicitors.....without my knowledge or permission! I am fuming as they are requesting information from my bank, filing county court claims and pretending to have my permission! The court they are going to just told me to turn up and get it thrown out! But how can I if my claim is at the same time and date but 20 miles away? The court won't talk to me as i didn't put the claim in, their solicitors did! What do I do?? I really need some help here....... Russ

Hi MrShed....I wrote to the owner and he ignored my 2 letters asking hime to mend the fence and roof. The letting agent sent their repair guy round. He hadn 't even heard about the roof collapsing! When the tile slid off the roof there was a huge bang from the roof. It looks like the ridge tiles and roof tiles are badly dipping, as though a beam has collapsed. Yet the owner won't even contact the tenants.... I am just worried another tile could hit someone coming to my front door... The previous tenant moved out after condemning the electrics. He was a sparkie and couldn't believe how poorly maintained the house was.... The windows are falling out as the frames are rotten, the heating wasn't tested for 4 years, the electrics are dangerous, the roofs falling apart, the fence is falling down and there's asbestos dumped in the garden.....quality house for rent.....lol It has been like that for the past 5 years, since we bought our house... I just wish I could force the owner to repair the dangerous bits that affect me... Russ

The weird thing is that the street is a small residential street that has no markings appart from double yellow lines at one end, where it meets the A13 London Road. The sign is actually on the double yellow lines right on the corner about 20 feet from the end of them. This is the only sign in the entire street. There are no bays marked on the road at all, just some old worn out remnants of yellow lines. There are bays on the A13 round the corner that are for deliveries. I believe that the sign was put in the wrong place as it is new! I think it should have been next to the other bays..... Even so, I was not parked on the yellow lines or in any marked bays.... I thought and still do that I was parked in a residential street with no restrictions! I will get some pics tomorrow and post them.... Russ

Hi MrShed...i tried enviromental health....they said they couldn't do anything as it wasn't council property...? I thought their job was to make sure we are safe....but they didn't want to know..! Hi blacksheep, I will contact them tomorrow....I hadn't thought of trying that approach.... Thanks for both your advice... Russ

Hi, I live next door to a rented property. the tennants are friendly and we get on fine. The problem is the owner of the property will not repair the roof or the fence that leads between both properties. The fence is rotten and collapsing onto my entrance to my front door. the roof of the rented property is falling apart, tiles sliding off and hitting the wall next to my front door. luckily it was 5am and missed anyone going in or out of my house! I have called the letting agent, as has the tennant. we have both asked for the roof and fence to be sorted out. I sent 2 letters and have called 6 times in the past year. Finally 3 months ago, someone came to quote for the repairs.... then nothing! I am disabled and cannot get a wheelchair to my front door anymore.... The problem is the rented properties pathway is higher than mine. So the soil under his path has pushed the fence outward narrowing my entrance to my house. The fence was there when we moved in in 2003. I just realised a month or so ago that the fence is on my property anyway. But have been told that it is his fence.... Can I get it taken down and returned to the letting agent, so the owner gets it back as with cutting down a tree that overhangs my property?? I am desperate as i am having more and more problems getting in and out of my house.... I tried council and they will do nothing as it is a private rental.... also there are sheets of asbestos dumped against this fence on the other side....but the council still say they can't do anything...... Help..... I am desperate...... russ

Sorry to hear about your added stress.... I am also disabled but not enough to qualify for the blue badge.... What you must remember is it can only make you stronger and you get to learn how to stand up for what is morrally correct.... I am behind you on this one..... As you are right and weren't one of these people knowingly using the badge! It was an error made by a visitor who is unaware of the badges use! It was a genuine mistake, we all make them! It might be an idea to write to local MP and speak to the councillor that deals with disability in your local council?? Have you tried the disabled rights advice lines?? They can often help or at least advise you..... Good luck.... I hope it all works out......keep us informed.... Russ

just a quick question to those who know..... How does a private company get your details from the Registration number if the DVLA are covered by the Data protection act?? So how can they issue a penalty notice?? Just curious.... cheers..... russ

Hi everyone... I got a PCN yesterday at 13.55 to 13.58, in a side road with a sign saying :- No loading between 8 - 9.30 am and 4.30 - 6pm... the PCN says : - Contravention code: 01 " Parked in a restricted street during prescribed hours". Yet the idiot who issued the ticket obviously didn't read the sign less than 10 feet from my car.... Is this grounds to get the PCN thrown out? Is this contravention the same as parked on double yellow lines?? As the car dealer opposite had 2 cars on double yellow lines and didn't get a single ticket!! I have written letter and also put :- I respectfully ask for the enforcement dept to speak to their wardens and explain the meaning of the signs to save further unlawfully issued notices being issued." Cheers... Russ

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Unfortunately I paid by switch card, as I had the cash at the time... I am insisting that they repair the machine, as Hotpoint give 5 years free parts warranty.....So all it will cost Tower Radio is the labour! It was the fact that Hotpoint also gave copies of all my details and correspondance to the retailer.... None of which had anything to do with them! Just another bit of ammunition for me though......lol I reported to Consumer Direct yesterday, they are getting trading standards to contact me next week..... Who do I see about The Data Protection Act?? Anyone got any idea's?? Russ

I have a 18 month old washing machine I am trying to get repaired or replaced under The Sale of Goods Act. It was repaired at 4 months old By Hotpoint the manufacturer under their 12 month warranty. At 14 months old the same fault, plus 2 others came back. The main door opens whilst on, the rubbers are covered in black mould and the weights inside the machine have come loose again... I wrote to Hotpoint, who said it was out of warranty! I then wrote to Tower Radio the supplier who ignored 2 letters. I sent a third and finally received a reply. They have quoted parts of my letter to Hotpoint and Hotpoints reply to me. They have said that Hotpoint gave them all my information and a copy of the engineers report! Surely this is a breach of The data protection act by Hotpoint?? The retailer did not have anything to do with the repair under warranty, so what right did Hotpoint have to give out my data?? The retailer is refusing to repair or replace the machine under 'the sale of goods act'. They just say it is out of warranty and any guarentee..... But at a cost of £379, 18 months ago, I am shocked that the manufacturer and retailer are not trying to sort this out!

Just to clarify.... If EGG have told Experian and Equifax that a loan is settled is that proof I can use in court? Can they reinstate the loan with the CRA's?? And am I correct in saying that EGG cannot tell the CRA's that one agreement covers 3 seperate loans?? If they list 3 loans with the CRA's, then they should have 3 seperate agreements, one for each?? They just keep telling me that the one agreement is for all 3, and that they changed the repayment amounts and term of the loan to help me pay.... They knocked off £4 a month, but went from 52 months to 85 months... any idea's?? Russ

Cheers angrycat, I did a CCA request on 13th March 2007... As yet No reply from EGG..... But Moorcroft supplied a copy, with no assignment proof.... So I am now ignoring them..... As they have no hold over me.....only EGG if they actually supply the agreement....lol Moorcroft have only supplied the agreement for the original loan.... If EGG have told Experian and Equifax that it is settled, as they have done! I guess they have No agreement for the new loans they listed with the CRA's..... So I could argue that the genuine loan was settled.......lol And dispute the one's they cannot prove exist....?? Or they will have to admit supplying CRA's with false information???? russ

I would.....but three of the listings on experians documents have no reference numbers, etc... only 2 loans and 1 credit card are known to me.... The 3 remaining that EGG listed are made up by Egg.... So I do not know how to ask for copies of the CCA's, if neither of us have any loan agreement numbers, etc..... They list the loan I actually signed up for as settled on the same day I took it out.....lol Rather than list as defaulted they just listed my repayments as a new loan! My bloody head hurts again.....lol helllpppppp....lol russ

Sorry to ask what could be a stupid question..... I have 2 loans with EGG and 1 credit card.... My experian report lists 3 loans instead of the 1.... If I do a CCA request does it cover all Agreements held by egg for all loans and the credit card?? Or do I need to do one for each?? Problem is as un1boy knows already....Egg have listed the one loan 3 times, all with different terms, monthly repayment amounts and different loan amounts! 2 of these are listed as settled.....one of the settled ones is the correct information.....for the actual loan I took out! So if they cannot supply the CCA for the ones they made up?? Does that mean they are unenforcable???? i thought I would ask as Tamadus and Un1boy seem to be full of good info....lol Cheers.... Russ