If it isn't a signed PP UK agreement yes. You can always always ignore Moorcr@p.

EXCELLENT!!! Of course it's OK to wait.

CPR 31:14 will suffice.

All I can find on google maps is one titchy sign at the entrance that you can't read from the vehicle.....

Yep ignore them, let their computers go through the motions. If the gym is local to you, can you get photographs of the entrance and any signage, and of signs in the car park.

Really?

Your mortgage MUST take priority. Have you let any of your creditors know that you are having difficulty in the payments? You can take a payment holiday, I think up to six months but don't quote me on that? Have you switched any of these cards to an interest free CC? Some give up to 30 months interest free transfer which may give you enough breathing space to get your re-mortgage in place. This really isn't insurmountable, although I understand it can feel like it is.

Tribunal is Monday. Got an RBL rep who has thumbed through the case and has said that; "Your claim for head injury is rejected under article 41, however I suspect article 46, schedule 3 will apply, which is the exclusion of the use and effects of alcohol consumption. " I'm unable to find that anywhere regarding WP, ?.... Am I looking in the right place?

Ah bless em, make sure you take them up on their generous offer and get that ''peace of mind'' they chirp on about.

Can you scan and post up that threat letter from the Sols? Seems extremely immature to threaten bailiffs for such a trivial pittance, ruddy jokers. Ah wait, it is Slowdales isn't it.....been playing with their crayons again.

They've got two hopes of collecting anything here, the first one being Bob. Ignore the puerile DCA, simply don't engage with them via any means. They say all sorts of nonsense, none of it bears any truth whatsoever, besides, it's simply a computer that prints out a standard template threatogramme, which makes for great hamster bedding. I'd take more notice of next doors cat than a tin pot DCA.

Then you have an extremely good chance that they won't be able to find any enforceable paperwork, send the CCA then see if they come back with anything. As for the loan, have you informed the bank that you are in financial difficulty? They ''should'' help you, have you checked your credit file? Were you in financial difficulty when you applied for this loan? What state was your credit file in when you applied?

You can most definitely ignore them, block the emails and bounce them back, any letters, just put in them in file 13.

I wouldn't send them anything. Even when it passes the SB date, it just gives them an opportunity to engage with you and fabricate a phantom payment forcing you to panic and second guess yourself. There is nothing they can do once it is SB, let it run.

No, do not respond to them, pointless letter tennis. Have you already got a thread running on this case? If not what's the story please? How old, how much, when last paid, etc etc etc.

DCA's don't have any principles, they're morally bankrupt fools. This is why you don't engage with them nor do you ever pay them anything.

Not PofA compliant either is it? It states that only 'the driver' is now liable for their fictitious invoice?

Such a shame...

It'll definitely have a wet ink signature.

Yeah, spoke with an RBL rep earlier, he talked me through the whole procedure and told me that doing the tribunal over the internet is the better option and doesn't put you at a disadvantage. He also questioned whether I had thought about putting in a further claim for my PTSD as when I was awarded it they gave me the bog standard 6-14% rate, which they always do apparently because they know people won't appeal it. So food for thought as he says I should seriously consider putting in a 'deterioration' claim. Still, he's put my mind at rest that everything will be taken care of and seems quite positive about it all.

File 13 would be my first option.

Cheers Stu. Just spoke with The RBL, they are going to represent me, just filling in the listing questionnaire, have ticked hearing via video link, but am second guessing myself whether that is a good choice?? Already have all my docs and paperwork, it just needs a day or two to go through their response pack and ensure they have looked at the documents I used for the initial appeal..

Email landed today that to say that they (HMCTS) have received my papers from Vets UK regarding my appeal, and they will aim to list it for a hearing within the next 4 months... Slightly panicked by this, as I have no clue where to start? I'm unsure of what documents they have, and whether I need to send them everything I have, which has already been provided in the build up to this tribunal . Ultimately though, I need to get myself representation and have someone listen to my argument against their decision not to award me a SAP.

Well you have to do something surely? Make a decision, either check Trust online, or send them the SB letter, alternatively you can always do nothing and be none the wiser. Trust online will not charge you per address, it doesn't go against the address, CCJ's go against the name, otherwise all you'd have to do is move house.

Use your current address, be proactive. They will let you know if they need any further identification.