Tomlin order is interesting, do you know if its relevant in a business loan dept that is at court with possible repriasals of a charging order.

thanks for moving to hopefully a more appropriate forum, how can I get some eyes on this thread please. BUMP

Great news, this means I have used money I needed to pay back my debtors and thought that after 6 years it would be the end of the nightmare where I cannot get anything not even a mobile phone which is humiliating to someone with a previous squeeky clean credit rating, its meant I cant help my kids with mortgages or rent guarantors and my choices are limited to say the least.. Now it means that this will never end as even in around ten years it will still show until its paid off... I almost wish I had never paid them anything now. The only plus side I guess is they all dropped interest to 0 percent so debt was coming down rather than going up if they decide to go for a charging order.

I wonder if things hot up after a few years and them knowing there is the statue barred issue, although after recent reads on credit file threads it appears this can actually go on longer if they re list the default, have you paid them anything in all this time

this is brilliant thread. Andyorch I tried to pm you as I have a similar lonley thread Re: Imminent Charge on property Lloyds bank Business Loan pse help someone... but very lonley on my thread subbed here but could do with some eyes on mine however it is a business contract. Apologies to Shazza50 for taking up a post on your thread, I am with you however

phew there back.. disappeared off for a moment... thanks Peter for trying yes its business banking Guarantee and Indemnity contract just cant find anyone who can help although Andrew is good

aghhh what happened to the rest of my posts?

what comes around goes around maybe someday someone will do something out of there way for you in return. nice move

Thanks Peter,, btw dont know why I keep getting a twitter page inbetween my posts

Guys Im sorry Im dead confused now.. I have a number of credit cards that I challenged CCAs in 2008, most appeared to be enforceable, MBNA BCARD didnt send me anything to prove or disprove but i got spooked after so many people went to court and lost... so I bottled it, ruined my credit file and paid each month via CCCS hoping that if I did get called to court the dj would see that I had attemped to play ball. Is the score now that by paying after 6 years the defaults will be reinstated for another forever? or this is just a possibility or this cant happen the debt will be statute barred or this can happen but experian and ico will support getting them dropped off my file

THOSE OF YOU WHO ARE WITH ME... CAN SOMEONE TAKE A LOOK AND TELL ME IF THIS IS COVERED BY CCA LEGISLATION, OR ANY LEGISLATION AS GONNA HVE TO DO A DEFENSE SOON. GUARANTEE AND INDEMNITY AGREEMENT http://i369.photobucket.com/albums/oo137/skeggs885/LLOYDSJAZZYJ/CCF25052011_00007-1.jpg http://i369.photobucket.com/albums/oo137/skeggs885/LLOYDSJAZZYJ/CCF25052011_00006.jpg http://i369.photobucket.com/albums/oo137/skeggs885/LLOYDSJAZZYJ/CCF25052011_00005.jpg http://i369.photobucket.com/albums/oo137/skeggs885/LLOYDSJAZZYJ/CCF25052011_00004.jpg http://i369.photobucket.com/albums/oo137/skeggs885/LLOYDSJAZZYJ/CCF25052011_00003.jpg http://i369.photobucket.com/albums/oo137/skeggs885/LLOYDSJAZZYJ/CCF25052011_00002.jpg http://i369.photobucket.com/albums/oo137/skeggs885/LLOYDSJAZZYJ/CCF25052011_00001.jpg http://i369.photobucket.com/albums/oo137/skeggs885/LLOYDSJAZZYJ/CCF25052011_00000.jpg PAGE 10 OF 10 IS SIGNED BUT NOT DATED AND WE DONT RECOGNISE THE NAME OF THE WITNESS.

So just clarify this is an unsecured debt? this is different from my case in that ours was a business loan .. I dont think that a business loan is covered by the CCA

Thanks site team.

Little confused as to the lending code.. does this cover business loans also.. it says must be familiar with consumer credit act but dont think a directors loan (business overdraft) is covered by this sort of agreement? What sort of loan was this? an ordinary bank loan like a consilidation loan after you had overdraft I too would like to know what guidelines they have breached if any

For one minute I thought I was reading my own thead! almost duplicate.. http://www.consumeractiongroup.co.uk/forum/showthread.php?306013-Imminent-Charge-on-property-Lloyds-bank-Business-Loan-pse-help-someone...&p=3421091#post3421091 Im subbed and watching as already found some advice on your thread and mine RBS too.

No news from the court today, still not managed to get this agreement up as bin offering other caggers advice... am I correct that cca isnt covered in business indemnities and therefore we cannot request cca as there isnt one only this indemnity agreement which was signed but not dated at same time. Does this mean that prescribed terms and conditions do not apply on this and we cannot use this stance as unenforceable.. Still going along the misold loan route though pressurised into taking it out and not given proper advice.. I presume Lloyds must be overseen by OFT?

As far as internal disciplinaries which are much lower threshold than criminal this poor bloke may get suspended whilst enquiry is investigated, unless Police are going to take a lead first Race hate big news and lots of certain people know this. But the comment has to be racial and has to be believed truly by the injured party to be racial. By what you have said they are playing the card... I think if your kind enough to ring the company it would be an honourable thing to do and would unsubstantiate any allegation of racial abuse

Get copy of paperwork going back 6 years by sending a sar request

Yup agree with above post good sound advice. not moralistic or preaching if if what if and consequences.. I think this thread has had quite enough of that. Perhaps the owner of the thread has also had some asumptions of his age and boy racer assumed.. I hope this has now put some of your concerns to bed and some of us have helped.

Again proof is the issue.. so wait for the NIP and then respond with your version of your events.. it is unlikely that someone gave the traffic warden their name and address... unless you were really giving it some noise ... how many days ago was it there is a set period of time to issue NIP. I guess have to just throw in a low baller the nice traffic warden may have recorded the noise on their phone as evidence? do you recall seeing a traffic warden shouting at your over the music? do you even recall the incident? if so were you driving at the time, what was the placement of your vehicle, reason I ask is the traffic warden would have to have a clear unobstructed view of your car and describe the driver.. rv turnball or points to prove. amount, distance, visability, obstruction, known, etc etc. try not to worry about it too much until it happens and you havent had anything yet. Its not an arrestable offence and these days summons if they even get to the stage of Police speaking to you mean that you can go and give your account voluntarily by standalone .. btw always always have a solicitor it costs nothing for legal advice in these circumstances and any trial you may be entitled to legal aid... wait wait for anything to happen as it may not yet, and even if it does you get to put your account over and there has to be evidence for it to go anywhere... oh and dont have your radio really loud in a public place and be sensible with it as if its really loud it does affect your driving... x just noticed first post again, see traffic warden shouted over to you prob to turn music down.. yes anyone has power to report an incident, its whether they take it further and if the police and the cps have anything to take it further.

I thought that once default lodged on credit file it lasted 6 years... tell me it cant continue after that until debt paid, thought it was barred by statue after 6 years, this has been only thing keeping me going thinking there would be an end to my defaults following my cca requests in 08

Theft definition. Dishonestly appropriates property with the intention of permanently depriving the other of it.... Its theft and comes under the fraud act. Police have a dedicated e bay liaison officer and it needs to be reported officially. keep any evidence you may have.. good luck.

Just to add. all care homes offering residential care are covered by organisation called CQC a regulatory body, if a fall or something that could constitute neglect occur as post states home must have detailed notes and body map anything like bruises or bed sores which go in gradings and go very quickly. A reg 37 needs to be sent from the care home to ACS adult care services and copied into CQC and Police involvement is sometimes requested from ACS in the form of a safe guarding adult process a strategy is held and decided if there are ny criminal allegations of neglect to consider. If home havent informed acs then they have contravened safe guarding adult processes and should be pulled up on this.

Just thinking about post 30.. Mitagating circumstances.. worth a try.. was there an urgent reason why you had to park quickly outside your uncles house perhaps and didnt have time to take in the parking restrictions... I can think of some potential ones, may get you no where but if its all you have.

Oh bless, let us know how you got on.. for future, if you ever get a ticket, take lots of pictures of the area, the place your parked, the signs, the alleged line, if that line is faded or unclear due to perhaps lots of leaves or something you may not have realise it was there, just look for the clause. Worse case your just going to get a fine. Hope it works out not too bad.