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ronnie11

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About ronnie11

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  1. Right so the postcode is actually 'TR13 8FH' and not what they have listed it as on NTK . The postcode they list as you so rightly say relates to Meneage Hospital which is nearly a mile away The correct postcode correlates to actual address where ticket issued being Meneage House, Meneage Parc , Helston. I'm going to try and get photos this week of the actual area where I parked. As for the original ticket I've scoured high and low and cant find it but I do have all the other paperwork/ correspondence from them. I also found an email reply to the appeal I made back in Oct 2016. Their reply email says 'Please find attached a letter regarding your appeal' and when you open it up its actually someone else's appeal reply thanking them for payment and saying the case is now closed. NTK.pdf
  2. For a windscreen ticket (Notice To Driver) please answer the following questions.... 1 The date of infringement? 04/08/2016 2 Have you yet appealed to the parking company yet? Yes if you have then please post up whatever you sent and how you sent it and the date you sent it, Responded by email as per their original ticket on screen on the 08/08/2016 Charge No: ..... Badge Number : .... Vehicle Registration : ******** I wish to appeal this notice as a permit was displayed. I placed it on my dash and on closing my doors its obviously been caught in a draft and gone into my foot well. I have been parking there for months in exactly the same spot and have always displayed the green permit that was issued for visitors as my daughter lives at the premises. As I'm not the only person who visits her with a car I've never stuck the permit down as we were only issued the one permit to use between visiting parties so its not ideal to secure into one vehicle. has there been a response? I never had a response back The next correspondence was via letter in post NTK on 14/09/2016. If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Yes what date is on? It says date of ‘sending’ 14/09/2016 Did the NTK provide photographic evidence? No 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) Yes In brackets underneath NTK it says ‘made under the Protection of Freedom Act 2012’ 4 If you appealed after receiving the NTK. Yes on the 04/10/2016 via the appeals email address did the parking company give you any information regarding the further appeals process? Yes on the NTK I received the email response below to my appeal 0n 04/10/2016 We have received your email and, if applicable, one of our team will be in touch shortly. Information regarding appeals: Please note that receipt of your appeal is acknowledged and is being processed. Appeals against a parking charge may take up to 14 days to process but in any case you will receive a reply to your appeal within 35 days. Replies may be sent via email or postal mail. Please ensure you have provided your Parking Charge Number, name and full serviceable UK postal address, as if this matter progresses and we do not have a serviceable UK address, registered vehicle keeper details may be applied for from the DVLA. Regards, Premier Parking Solutions Ltd. "Valley Enforcement" is a trading name of Premier Parking Solutions Ltd Registered in England & Wales No. 06659134 Registered Office: PO Box 471, Newton Abbot, Devon, TQ12 9FX​ 5 Who is the parking company? Premier Parking Solutions 6. where exactly [Carpark name and town] did you park? Meneage, Helston TR13 8DR ......................... ....
  3. Well it didn't work anyway...................it came back to me as unable to deliver so they never got my email.
  4. Hi, I received a parking ticket on my windscreen back on 4/8/2016 whilst parking in a resident only space where my daughter was living at the time. I had been issued with a visitor parking permit to display when ever I was there ,which I had done this had fallen from the dash into the foot well. I appealed against the ticket on the 8/8/16 and they said they ever received my appeal even though I have proof it sent (via email). After all this time and re-appealing they passed it on to DRP and now they have subsequently passed it to Gladstones Solicitors. Advice please as I've managed to find an email address for them and have emailed the appeal and its response to them but reading other threads they don't seem to acknowledge or take not of any defence. Awaiting a reply and thanks in advance.
  5. This may have already been answered but can a 2nd charge on a home become unenforceable if one of the parties having an interest in it didn't obtain independent legal advise before signing a postponement document (and also have evidence to prove it) ?
  6. Hi Everyone, Well the basics of my query revolve around a contract that I dispute is enforceable. With the dispute on going my last contact with the Creditors solicitor was June of last year (2012). I received a standard email response back from their solicitor advising they would discuss points raised and reply forthwith. That was over 6 months ago and no response back from Creditor direct or their solicitor. However at the end of January this year I had a letter through off a debt collection agency (BCW) advising they had been passed on my details of debt etc and were now seeking recovery of it. I advised them this was on going and was in dispute. zz have since contacted the Creditor regarding any dispute etc and having received a letter dated 22nd March 2013 to say I'm a little stunned is an understatement. The Creditors have told BCW that they closed the case with the solicitors in October 2012. They have also said they're not aware of any dispute and are seeking settlement for the balance. So whats the best action to take now as I have all correspondence from Creditor initially when this all started and then Creditors solicitor (still waiting a response from my email sent to them back in middle of last year). I have emailed the Creditors solicitor concerning passing on my details to BCW when the debt is disputed/challenged. I've had no reply to either emails even just as a courteous reply from solicitors. I've never had any notification the case was closed and have as far as I'm aware the dispute still stands. Doesn't it breach OFT guide lines passing on details to debt agency firstly when its in dispute and with no contact to myself BCW have now given me 14 days to respond with documentation relating to the history of the dispute . So advise / guidance welcomed. Thanks in advance.
  7. ronnie11

    Libor Mortgages.

    How would the Libor manipulation have affected business lending??
  8. Hi All, Hoping I can get some help/advice? Right then I've got a 2nd charge over my property in relation to business finance (business went insolvent). Creditor has now come calling (12 months ago actually). They wrote to me by letter May 31st 2011 offering to reduce amount claimed and in their own words below stated; '£80k in full and final settlement of the claim tp be paid in full following the sale of the property with interim payments of £500 per month starting before 10th June 2011' I emailed back agreeing to the £80k offer and said I would make a alump sum payment on the sale of the house to pay 50% of full and final settlement figure and then make monthly payments of £150 per month. Along with that I would also give their client a charge over the new property I would move to ensuring their clients were paid. From that point on (June of 2011) corresepondance has been going back and forth clairfying I would make the lump sum payment of £40k and comfirming I would make it 28 days after completion of my sale, also confirming I would make monthly payments of £150 starting the month after sale of my property and also that the 2nd charge would be placed on new property. Now I'm days away from exchange of contract on mine and had arranged a valution on a much smaller property and was porting over my current mortgage to new property reducing mortgage by £50k. The Creditor has now written back to my conveyancing solicitor and infromed them that redemption figure is £90,379. with daily interest accurring. I'm now considering stopping sale before contracts exchange and taking creditor to court for breach of contract . Advice help /welcomed. Tx in advance:|
  9. Right all didn't know how to boost it from original thread so I'm reposting as a new thread. HSBC breathing down my neck re:2nd charge and now almost homeless as they want £90k now as been adding interest every day. I tried to offer them £40k with my forced house sale (due to complete in around 4 weeks) and also a payment of £150 per month for 5 years with a voluntary charge if I'm able to downsize and continue to keep foot on ladder. Is there any hope or am I grasping at straws with the 2nd Charge enforceability ??? Also anyone got any advice about a paralegal acting on behalf of HSBC that has been misleading discussions ?? Or would any big news paper be interested in a story about being made homeless by HSBC even though offering practically everything to them?? Below is the post from last year but no replies as yet to it..........................any help welcomed else me and my daughter are living in the boxes I'm saving from work Re: 2nd Charge Fairness and Enforceability Part 8 And CCA s.140 B Ok..............first I'll apologise if this has already been discussed here but I need urgent advice regarding a 2nd charge over my property relating to a business loan (business insolvent 2007). HSBC have now coming knocking on my door so to speak demanding £105,000.00 or they will seek a possession order. Right then the paperwork for the 2nd charge is for £75,000.00 'guaranteed'....as it states in the terms of facility letter. Security is a guarantee for £75,000. There now seems to be a misunderstanding on the part of HSBC drafting team who have drafted a legal mortgage so that the charge purports to secure the debt of my old company (which they now claim is £105,0000.00 due to added interest etc). Now I've happily offered to put my property on the market along with a 'one off lump sum payment' without predjudice as Full and final settlement to them. So my property on sale would allow me to pay back approx £50k (due to equity in it). I've just recieved another letter today saying now that obviously they'll be a short fall and how do I propose to pay of the rest of the debt. So where do I stand etc?? Someone mentioned to me that once the property has been sold then the rest of the debt for HSBC becomes unsecured....is this true?? Is there any other way I can get them off my back (without bankcrupy).....as I have a young daughter and am separated . The house is soley in my name and my partner signed over his interest some time ago. Now you can all have a laugh as in my last correspondance I asked for them to have a little compassion and not make me and my daughter homeless................. .............now there's a laugh...banks and compassion in the same sentence!!! Anyway all help advice welcomed. Further more in regard to latest info about PPI's.......would HSBC have applied a PPI to business loan secured as a 2nd charge on a property?? Looking forward to any help and advice. Thanks in advance all
  10. Hi All, Right I'm in a bit of a fix at the moment........I'm having to sell my house to pay of part of a debt that was incurred by means of 2nd charge on my property back a few years years ago when my business failed (now they've come knocking so to speak). Well my problem is (or question) is in regard to portability and original terms of mortgage. My original mortgage was with GMAC and in their paperwork in states sec 8. 'You may be able to transfer this mortgage product to a new property without incurring any early repayment charge. This option is available subject to meeting certain criteria and their approval'. Now then carrying on from that in the original mortgage offer details that I signed and agreed with GMAC it says under sec 4 Description of this mortgage - This mortgage is provided by GMAC- RFC ltd. (then there's various bits about the rate etc and Bank Of Engalnd base rate etc etc But at the end of sec 4 it says 'The maximum loan available on this product is 85% of the value of your property subject to conditions'. So my question is shouldn't my new mortgage company that now hold my mortgage still give me 85% loan to value......rather than the 52% they're now offering?? GMAC sold over to Oakwood Homeloans who subsequently sold over to Engage Credit Ltd...but my original terms etc should apply shouldn't they?? And as in GMAC paperwork they say the product is transferable...and sec4 of original mortgage paperwork (from GMAC) it says loan to value of this product is 85% Surely Engage can't now pick a figure totally at random to suit them when I'm supposed to have same terms conditions of original mortgage..........??? I'm not in arrears and even with a LTV of 85% I'd still be reducing my mortgage by £20k ...surely I've got some argument against this?? Any help/advice welcomed.
  11. Hi All, Just needed a bit of advice here if anyone can help Right I've had a few PPi refunds back but who would I now write to have my outstanding debt figure amended with a creditor (due to that ppi refund)? Do I write to original creditor or do I write to the latest company who's taken on that debt ? e.g. Cahoot original debt now being dealt with by Ace Debt recovery Tx for any help advice
  12. Hi, Saw this thread and thought I'd respond. I had a letter back from GE Money that basically said they have nothing to do with it and to contact Anglian. So I contacted Anglian and this is the response I got from them. ' The sale of general insurance did not come under the remit of the FSA until 14th January 2005 and any sales prior to this date are known as pre-regulation;the regulations are not applied retrospectively. From the details I have, this sale was conducted in April 2001. For any purchase of insurance prior to the 14th January 2005, you were deemed to have chosen freely whether or not to choose to purchase the insurance. The sales represntative did not have to assess your demands or needs;it was your decision whether the policy was suitable or necessary. A policy summary is provided,although the full terms and conditions would have been sent by the insurer. When arranging the finance and insurance a cooling off period is provided, giving you time to cancel should you not wish to proceed.Signing the credit aggrement is taken as acceptance of the full terms and conditions.Considering the regulations that applied at the time I do not agree that the policy is mis-sold. I would also advise you that prior to the 14th January 2005. Anglian was not a member of the Association of British Insureres (ABI), the General Insurance Standards Council (GISC) or the Finance Leasing association (FLA), and were consequently not bound by their codes of practice. I hope that I have been able to provide further information for you, thank you for bringing this matter to my attention and allowing me to respond accordingly ' So where do I stand now as I've even got a document titled 'First National Bank Plc Protected Payment Plan' . It states the premiums taken and added to the whole account. Can I still try and claim back those premiums??
  13. HI Just wanted to share this........I've had success with Cahoot (Santander). Wrote to them re: personal online loan taken out with them and 2 weeks later I've received a letter saying they've reviewed my claim etc and they're offering me £4064.85p. The loan was for £12k. To aid swift refund they're sending it via electronic transfer if I accept. Well my bits all signed and I'm sending it back tm first thing ....they even supplied a pre-paid envelope first class. RESULT.......................................just got to hear back off others now. Good luck all
  14. Does all this still apply if it was a business loan also linked to a debenture and then a 2nd charge on my home (to secure) ? Can I claim back PPI on that business loan? (taken out 2004)
  15. Ok..............first I'll apologise if this has already been discussed here but I need urgent advice regarding a 2nd charge over my property relating to a business loan (business insolvent 2007). HSBC have now coming knocking on my door so to speak demanding £105,000.00 or they will seek a possession order. Right then the paperwork for the 2nd charge is for £75,000.00 'guaranteed'....as it states in the terms of facility letter. Security is a guarantee for £75,000. There now seems to be a misunderstanding on the part of HSBC drafting team who have drafted a legal mortgage so that the charge purports to secure the debt of my old company (which they now claim is £105,0000.00 due to added interest etc). Now I've happily offered to put my property on the market along with a 'one off lump sum payment' without predjudice as full and final settlement to them. So my property on sale would allow me to pay back approx £50k (due to equity in it). I've just recieved another letter today saying now that obviously they'll be a short fall and how do I propose to pay of the rest of the debt. So where do I stand etc?? Someone mentioned to me that once the property has been sold then the rest of the debt for HSBC becomes unsecured....is this true?? Is there any other way I can get them off my back (without bankcrupy).....as I have a young daughter and am separated . The house is soley in my name and my partner signed over his interest some time ago. Now you can all have a laugh as in my last correspondance I asked for them to have a little compassion and not make me and my daughter homeless..............................now there's a laugh...banks and compassion in the same sentence!!! Anyway all help advice welcomed. Further more in regard to latest info about PPI's.......would HSBC have applied a PPI to business loan secured as a 2nd charge on a property?? Looking forward to any help and advice. Thanks in advance all
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