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About hev106

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  1. Hi Papasmurf, thanks for replying, now I am confused as the letter which was dated 12 may said it had to be paid by 12 may which is of course impossible as a) the letter was not posted to me until 13 may and b) i had no reference number to refer to until I got the ticket. As to my job, lets just say that if I get a criminal conviction (which I believe would happen if I ended up at court for not paying this if I have to pay it legally) then in my job that conviction could (yes I have changed the wording) cost me my job if they decided it was gross misconduct, though it appears it may only go d
  2. anyone help on this...............................
  3. Hi, not sure it I am on the right board, but hopefully this will be a quick and painless question. I was stopped on 28 April 2011 by a council enforcement officer for discarding a cigarette butt on the pavement and walking away. He checked my details out by phone having seen my work ID which clearly identifed me, and due to circumstances of where I was stopped and being at work at the time, he stated he would send by FPN for littering in the post. I had no problem with this as I had dropped the cig butt and was big enough to accept the fine. HOWEVER, I have today come home to find the noti
  4. Hi Sorry forgot to add that the letter from the DCA asking for payment despite the fact that we are waiting on a response from the OC to the SAR is headed "LEGAL NOTIFICATION" and then goes on to say despite repeated requests blah de blah for payment it remains outstanding (no kidding sherlock) Accordingly documents can now be prepared for the issue of a claim against you in your local court, once judgement or decree has been granted the following can take place................it then goes on to say costs etc and interest can be added (lets just make the situation ten times worse while we are
  5. Hi Babybear sorry its been a while since I got back to you,sent the SAR to the OC but still being hounded by DCA? Also 2nd mobile phone debt Moorcroft have sent a letter back with the p.o. attached saying - and I quote - "Please note certain accounts are excluded from compliance with Part V of he CCA or are not in fact credit or hire agreements and WE BELIEVE that our client's account falls into one of these categories" Now if they dont actually know does this mean she can tell them to take a running jump? And for the record the 12+2 days was up on 19 Nov however their letter is dated 10 No
  6. Baby bear, what if the account is not in dispute but is actually owed but due to head burying in sand, has never been paid? surely the SAR would have to go to the DCA? This is my daughters debt (which I found amongst several others) and is one of two she has with O2! Are you saying it should to to O2? Also as the p.o. sent to the DCA was returned I take it she cannot get this money back by cashing the p.o (its crossed and payable to the DCA)(hey I know its only £1 but £1 is £1 after all when you aint got anything!) Cheers
  7. Hi bh486, I too was looking for what letter to send them and having read several posts on here it appears as you say that a mobile contract is not covered by CCA and guess what I sent a CCA letter off to one particular DCA and have this morning got my postal order and a letter back saying just this. It appears that an SAR needs to be done so off to the post office to get another £9 worth of postal order to send with the SAR letter. Problem will then arise if they do not respond to this.................where do I go then??????? I hope that others on here will answer that SAR is the next move
  8. Thanks Erika I did think they were dragging their heels, am gonna read up on the reg you mention then hotfoot it to the local office where no doubt we will sit for over an hour as usual to be seen!
  9. Hi, I am posting this on behalf of my daughter and will keep it short and to the point. New owner taken over the shop she works in and hours have been cut from 40 - 24hrs a week, therefore she had to reapply for housing ben and c/tax ben due to cut in wages. this was in june 2010 and it has still not been sorted despite letter showing changes in hours sent in, new contract sent in and wage slips sent in. Is there an obligation on local authorities to sort this out sooner rather than later? Can the benefit be backdated? With Xmas approaching every penny counts as she is now living hand to
  10. Hi, Sorry for delay, laptop problems, thanks for the answer and will be doing just that, funnily enough they seem to have taken the hint as the phone calls have ceased tho not trusting them cos no doubt they will find another number to call from, hurrah for caller display!
  11. Evening good people I posted recently that I sent a CCA to IJ for a debt I had been paying off slowly but surely, but obviously not quick enough for them as they kept hassling me by phone despite being told not to, so as recommended I sent the CCA to them and yes, you guessed it, no response so sent the Acct in dispute letter.........................heard nothing until recently when I started to get calls from Apex Credit Management. First of all I was 'who the heck are you' and was told we wrote to you..............well actually you didn't or if you did I have never received any communi
  12. Hi Debt4Get and Mr Worried, Thanks for your swift replies and I will most certainly send them the letter you suggested. Do I send it to the OC as that is who sent me the letter/junk I received? I am desperately trying to borrow a friends scanner so I can upload the stuff they sent as I really do want to be sure what I have received is what I have written about in my long winded post! I hope to get my hands on the scanner sometime later today so will probably not post the letter until Monday afternoon...it also the quietest time to visit one of our remaining post offices! (I presume its
  13. Hi Howler and all the other helpful peeps on board here, I forgot about IJ's CCA letter to which they remarkably responded on the day my recorded delivery hit their dorrmat......amazing how quick they drop things back to the OC........................anyway, I forgot to write to them within the 12+2 days saying you aint replied so now crawl back under your rock, so may have done myself an injustice, however, todays mail brought news from the OC . It is along the lines of what Howler has received in as much as a one sided page of a application form clearly indicated as such by 'please complet
  14. Thanx debt4get, I think I will sit down in a few minutes and send them the cca letter and cancel my standing order so they can then go whistle in the wind! My main worry was the fact that they threatened court (which I know they can and sometimes do do this) although I think the court would look favourably cos I am paying them and intended on keeping on paying them but I think they have now shot themselves in the foot! One other question, I know that if they do not respond after the 12+2 days the acct is then in dispute that sometimes they pass it or the OC passes it to another pond feeder,
  15. Hi, I too had a strange experience with Abbey/Santander and Capquest starting with an out of the blue letter from telogram? It relates to me at an address not used for some 14 years and in an old name of mine, however, I never had an acct with abbey that many years ago. I did make the fatal mistake that when the telogram letter was followed up by a letter from abbey i called them (after all its who i bank with, I know peeps on here dont like them but they have been good to me through all my financial stresses so i stayed put), they told me the acct number i quoted them was not one ever linke
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