This ruling is so unreal i was just in the middle of composing a letter to get charges back when i heard the news. Hope someone one with the know works this out. I have car repayment loan that has Adhock ( capalisation )charges for £100.00 all over it and is not in default. I know alot of other people are in this boat with the same company. i'll hold on to the letter a couple of days till some great soul on this site works out what this means and where we go from here.

Got SAR yesterday. going to try and claim back miss sold ppi due to the fact that my partner came out of work for 8 months only two months after getting the car and he couldn't claim on the ppi , we also tried to cancel it and we couldn't because it was paid at the beginning of the hp loan Anyway back to the SAR. The loan statement they have started at top of page with what still owing and worked backwards so the last page at bottom shows the original amount borrowed. Do they think i still won't check it doing it back to front and that the £100 capitalisation or add hoc fee i won't notice. The notes for phone calls is a joke 3 pages long 09/07 please s&v 10/07 wtm nrp mobile not connecting, so wtr and spoek to tp who advised clt at work so lmto, need to s&v and it goes on like this with a page stapled to the back with an account for the abbreviations but half the abbreviations are missing oh and another thing turned up as well which was very intresting but don't think i can do much about that now. There were two mileage Anomaly's when they did vehicle check before selling it to my partner. They were advised to do a full mileage check because dvla had it at 36000 miles in 2002 and yet when it was sold to partner had 28000miles 5 years later! My computer went down last week and i had to do a full reformat so i have lost most of the stuff i copied and pasted for the ppi claim so any help would be appreciated going to go through the paper work with a fine tooth comb see what else i can pull out the bag

thanks for your sound advice lets fight bailiffs you are great and your imput has been gratefully appreciated with this.

Thanks for your promp reply yes i feel you are right the higher amount debt we should not worry about as any judge in the land can see she has not the means to pay out right for this and will set a reasonable payment plan. However we still have the problem of of Rossendales Amount outstanding £364.11 and this has a liability order attached to it. They will not accept the amount i know it's minimal £5.00 a week in their words has been rejected. They want £31.00 a week still she has no way to pay this without casing actual hardship to herself and her daughter. They have asked for an expenditure statement which in last letter i explained she could not supply because she was still waiting for benefits to be awarded Thanks for your help

Thank u so much hallowitch u are great. Will keep you updated thanks

Help needed please with this one now. council have responded. Rossendales debt collection have passed bk the debt to the council so the council now hold two of her debts out of the three again. They responded with a letter dated 11/11/09 postmark 12/11/09 but not recieved until 16/11/09 It says while i sympathise with your financial situation. I have no option at this time other than to commence with court proceedings to protect the council's position and this will mean that you will incur further cost which will therfore increase your debt. A letter from courts dated 11/11/09 (northampton county court ) miles away no way she will be able to get here to defend also came through the door for both accounts now held with council. Please can someone advise what to do now ? She still hasn't heard anything from benefits about her awards on child tax credit and working tax credit and therefore can still offer payment plans until this is sorted out but is willing to pay £5.00 to all her creditors until an expenditure can be determined. Also when looking at screen shot council sent about the £8,000+ debt i see there is £1063.78 for admin alone. do i SAR them see where the hell this amount came from ! oh and vat £1427.24 Do i defend part of the claim on the two accounts now filed with the court or just ignore the court form for now Just to update with other account have sent a templet letter to Rossendales re: charges and a copy to the council. they still not accepting her payment plan either as it is a liability order on this one don't c what much she can do

ok step daughter came round with replys from Rossendales tonite. First one said it will not agree to the amount of £5.00 a week and please send a expenditure sheet, wage slips in and pay £31.00 a week. Already pointed out to them she is awaiting several benefit to be awarded. Second one points out that it is there sister company Rossandales Debt Collect that is dealing with second account so need to write a letter to them. The address on bottom of her notice letter is the same as Rossandales Bailiffs and it was addressed to the person at the bottom of her last letter. ( bit obviouse here they haven't passed it on for her ) know now should have put it's in your best intrest to past this letter on ect third letter is screen shot of her accounts held with Rossendales and she has been charged twice on both accounts for bailliff visits. I know this is wrong although there fees of £24.50 and £18.00 for second visit is correct it has been charged on both accounts in one visit. She has also been charged a fee of 50p for the pleasure of paying at a paypoint her local post office for each payment. Suppose that's not unduly unfair. Still haven't heard from council about the £8,000+ debt so i am going to SAR them mid week if still not heard anything. thanks for helping

Thanks jamberson i will give the manager your advice. The double yellow lines start right outside her shop then there is a drive way which is for the pub deliveries next door then it goes to single line which is a bank that's only open 10am to 3pm a charity shop that has closed down and a polish/lithawainian shop. I know it is causing issues with the ppl who live in the flats above the shops as well so maybe if she gets more ppl on bored she may have a good case. My son used to live in one of the flats above the charity shop which does have single white line but could never park there for cars for the pub or kebab shop accross the road. He parked his car often half a mile away and it was broke into 3 times in the 6 months he lived there. As for the special policeman who seems to be camara mad i think she will have to put up with it until she gets her parking spaces re allocated. Green and Mean i see what u mean i always try to park else where since they took away the parking spaces much to my families discust cos chips are usually cold when i get home. Often ten minute walk back to the car then 3 and half mile drive home. The chippy serves 8 villages all within 3 to 5 mile radius. The joys of living in the countryside and the village shops disappearing.

No they haven't got a walking possession agreement they spoke to her mum and he left a number for my step daughter to ring them, that's why i got confussed when letter said bringing a van but her mum said she never signed anything and explained that my step daughter does not own anything in the house. I am waiting for reply to her payment proposals then going to hit them with screen shot letters find out if she has been over charged for him turning up on doorstep ect. will post again soon as i know what there replys are thanks for helping

not sure if anyone can help here but i promised the manager of the chippy i would put up a post We live in small town only has about 30 shops through the high street. Council put in new pedestrian crossing. When they did this they put double yellow lines outside the chippy where before there had been three parking bays. She did start up a petition which was given to the council but nothing ever come of that one. now we have a plastic policeman as she calls him taking photos of everyones reg parked on the double yellows outside the chippy. that's fine if it's in the day but he does it at night when parking there is totally no hinderance to other road users. I saw him taking photo of someone parked legally on a sunday on one yellow line the other end of the high street. Now my question is what can the manager of the chippy do to get either the council to listen to her or to stop this special policeman to stop taking photo's of her customers reg plates. We have very few shops open in the high street now out of the 30 at least 15 are shut. Hope someone can help

Sorry i haven't got back to you recently been hetic. Thanks for looking though. Last liability order was for nov 2007. which Rosssendales have been dealing with. The new one with Rossendales passed to them in September 09 from council has no liability order with it hasn't been to court The last one for huge amount is still with council. Another reason i haven't got back to you is that we are waiting for the response to the new payment proposals i sent out to them all. Nothing yet on that front but the bailiffs haven't rang her either or been hassling her. hopefully they will accept the payment plans until she gets her benefits and then we will send them new proposals in January if they don't i am going to ask for them to be taken back to the council as she is Vunerable ( single parent ) Busy fighting my own battles Water Bill that isn't my partners cos he never lived there at the dates stated on the bill. IPP for a car that he stupidly brought in 2007 that is stood in drive way rotting cos the damn thing is falling apart and won't pass mot without another grand being thrown at it. Think my post office love me with the amount of recorded letters i keep sending out a week

thanks for getting back to me some of it is council tax but others are housing benefit and think one is for eviction from her council property. Think the council have been pretty lienent with her so far cos they know how gullable she is with her x. it's all very complicated she had council house her x moved in he was working they didn't decalre it and then she moved out but left him in the house which he wrecked when she had gone. She was first took to court apparently according to council letter in 2005 for council tax but the letter isn't till 27th november 2007 so that's confusing in itself as she hasn't got any letter previouse to this. they set the payments for £33.00 a week which she defaulted on and it got given to rossendales she has paid this one off. The second one was also for council tax which council also took her to court for on august 2007 and the letter came with the above letter on 27th november 2007. She is still paying this one and in default hence another letter she brought to me saying a van would be attending the mimimum charge for this is £110.00 as a bailiff had spoke to her mum in september 2009 as all her mail goes to mums house due to the fact that she still gets involved with her x ( who cause all this debt in first place ) Mum never signed anything but he left his phone number and when she got in touch with him the payments were set for £33.10 a week way beyond her means as she still had further two debts with the council both set at £40.00 a month and she a single mum and at the time was out of work. Hence the default again because debt repayments were too high. She is now living on her own with her child and got a job but awaiting childtax credit and working tax credit award. Out of the two remaining debts with the council one has been passed over to rossendales wich is Sundry not council tax. So far i have sent letters to 2 letters to rossendales pointing out her change of circumstances and a proposal for payment of £5.00 per week on both debts held by them until 3rd jan 2010 when she will have got her benefits and be able to make another written proposal. To the Governing Bailliff i have used one of the templet letters on pointing out that she knows her rights and pricing for visits ect and there has been a proposal submitted and attached that letter to it. The council i have wrote for an explination of what the sum of £8,0000+ is for as next to the council it does not say anthing not council tax or sundry it's blank. think this one is something to do with eviction order and damage to the property ( which council know it was not her but because it was all in her name had no choice but to charge her for ) I have also wrote a proposal for £5.00 a week for this until her benefits are sorted out and she can do an accurate incoming and outgoings hope you understand all this so far. Rossendales have been quite patcient with her the same as the council and i have put that in the letters as well but pointed out to her that she must stick to the repayment plan but looks like x is lurking around in the back ground again so think i may be waisting my time.

not sure if this is right forum but i am sure someone will direct me if it is not. my step daughter has got herself in loads of debt and i said because council is god she will have to pay them back but these debts are from 2003 and she has been trying to pay them back bit by bit but her circumstances are always changing and i think they are getting a bit tired of giving her holidays from her debts. I asked her for her paper work on all debts the trouble is she has four debts with the council each with different departments one of the debts is £8,0000 + and she doesn't even have a clue what it is for. My question is this does she write to the council and ask for a Subject Access Request so we can see what the debts are for as two of the debts are with a baliff company now or do we just write to the council asking for details about each debt and do we write to just one person if so whom? or do we write individual to each department she is dealing with including another letter to the baliff. Any help on this matter will be appreciated as she is getting phone calls on her mobile from the baliffs and i have told her not to talk to them and to tell them she is putting a proposal of payment in writting to them but she talks to them unless i take the phone off her when i am with her. thanks Just been looking at her paper work again and have yet another question, she has final demands from council before passing it over to rossendales but does the council have to actual take it to court before handing it over to the baliffs because there is no evidence that they have done this in any of her paperwork

not sure if this is right forum but i am sure someone will direct me if it is not. my step daughter has got herself in loads of debt and i said because council is god she will have to pay them back but these debts are from 2003 and she has been trying to pay them back bit by bit but her circumstances are always changing and i think they are getting a bit tired of giving her holidays from her debts. I asked her for her paper work on all debts the trouble is she has four debts with the council each with different departments one of the debts is £8,0000 + and she doesn't even have a clue what it is for. My question is this does she write to the council and ask for a Subject Access Request so we can see what the debts are for as two of the debts are with a baliff company now or do we just write to the council asking for details about each debt and do we write to just one person if so whom? or do we write individual to each department she is dealing with including another letter to the baliff. Any help on this matter will be appreciated as she is getting phone calls on her mobile from the baliffs and i have told her not to talk to them and to tell them she is putting a proposal of payment in writting to them but she talks to them unless i take the phone off her when i am with her. thanks