Wasnt too helpful being honest, his telephone manner is miles better though. Basically he told me that he cant put it on hold as the printout from the bank says "LONDON BOROUGH OF" and it doesnt specify what borough, meaning it could have been paid to anyone. He told me to go to my bank, get a more detailed breakdown of the transaction and fax it over. He then said to speak to a Mrs Iqbal who is the supervisor dealing with my case. When I have received that then he said she will cancel it. He told me they have no copy of the original PCN as the only one is left on the car.

No I mean Im actually on the phone to Michael now. Hes looking into it for me right now.

Im Speaking To Michael!!!

I know, I said this to "Michael." Im just on hold to them, I have received the Stat Dec forms via email.

This is Liverpool Mags.

"MICHAEL" hahaha yes, I have spoken to him too, who told me to fax another number, and they eventually received the docs. He also told me the way she spoke to me was out of order and to include a letter of complaint with the fax, which I did, but havent heard from. I might ring back with a spooky call when I request copies of the fine. Also, the Mags is round the corner from my work. The county court is in town I think! They didnt mention anything about cost.

We were beaten 1-0 mate, Bobby Zamora scored the best goal he will ever score. Erm, just spoken to South Sefton Mags who said they will witness the form tomorrow but need copies of the fine etc. Need to ring Northampton TEC now and get them to fax them here to me. Am I going about this the right way? I have recorded 2 and a half conversations with Newham and CCS (my memory ran out half way through the last convo!)

Have just spoken to Northampton TEC who are emailing me the forms now. I think Ill go and get them signed straight away. Can you fax the forms back?

Thank you. Just had a heated arguement with Newham. They told me that I have not provided sufficient proof that I paid the PCN as a bank statement simply says London Borough of Newham it doesnt say what it is for. She was very abrupt, she requested I let her finish, which I did, then when I was speaking she constantly butted in. I reminded her that the bailiff turning up was a breach of English Civil Law, something which she refuted. I then requested copies of the PCN, the Notice and Charge Cert which she denied (isnt this a breach of data protection?) I then told her if it had to go to court then let it as I would win. She hung up.

Hahahah youre spot on! "No sir, you are being aggressive and you have an attitude, not me" after butting in and assuming what I am about to say and being completely wrong in the process. Erm, I dont know what I have received to be fair, a Notice to Owner sounds very familiar though. I havent received nothing from Northampton TEC The original PCN was lashed when I paid it. The letter infront of me states as follows: TAKE FORMAL NOTICE REMOVAL OF YOUR GOODS In relation to a Road Traffic Fine due to London Borough of Newham 2 I am disappointed to note that the above debt remains outstanding. I am therefore required by order of the court to seize such of your goods as are likely, when sold at public auction, to satisfy the debt together with the further costs incurred by the removal, transport and storage of your effects. I plan to call to uplift goods on Thursday the 25th September, and whilst the law allows me to remove goods in your absence, I would prefer that you were present so that we can agree the inventory of items removed. If, even at this late stage, you would prefer to make the removal and sale of your goods unnecessary by dishchargind the debt, please contact me immediately on 08452 300355. Yours sincerely Mr Hepworth Certificated Bailiff

Have called both CCS and the London Borough of Newham CCS told me that Newham have lifted the 14day hold of action on the account. Newham, well the dope at Newham who couldnt understand a word of English, told me that he would pass the information on to his supervisor. I explained I wanted a call back within the hour. I gave them my mobile number and I am now about to call them back.

Yes, but I told them I had paid. I then heard nothing...until the other week.

No, its in like 2 weeks!!!

As of yet we havent purchased insurance, we have simply booked with the holiday company. We dont go until October.

reason enough to cancel/postpone your holiday and get 100% of your money back or even just lose your deposit?

Bang out of order this statement, I am a proud Liverpudlian and can say this city has its problems and issues, as do many others of a similar size, but I can also state that it is a lot better than many of the cities I have visited - something I do on a very regular basis. Dont tar the majority with the minority brush, Mark.

**I have also posted this in the Parking Ticket forum** I went to watch Everton play in London about 19 months ago and knowingly parked on double yellows as there was nowhere to park. There were 4 of us in the car so we decided to park there and split the fine. Anyway, I sent them 2 cheques, neither of which were cashed so I cancelled them both and called to pay £120 by card. I thought the matter was settled until about 6 weeks ago I received a CCS Letter stating I hadnt paid a fine and should contact them immediately. I did, and was adviced that the cost was about £440 due to none payment and legal costs, bailiffs costs etc. I was advised to contact the London Borough of Newham, which I did. I contacted my bank, received a printout of my statements and sure enough there it was, 19th July 2007 Payment London Borough of Newham £120.00 I contacted them to inform them and the snotty woman told me that this didnt prove I had paid this specific ticket. I asked her to use the little common sense she had to realise I live in Liverpool and had no other reason whatsoever to pay Newham £120.00. I rang back and spoke to a guy named Michael who told me to fax through the proof along with a letter of complaint. I did. I rang back to confirm but they said they had not received the fax (even though I have transmission reports proving it was received). I resent the fax and received a phone call saying "do you have the card number you paid with please?" I informed them the card had been lost and I had now changed banks. "OK, we will go with what we have got and will be in touch shortly." Today, I received a CCS letter informing me that a bailiff will be attending my property on Thursday to remove goods. Now: 1) Isnt it illegal and borderline harrassment to take such action whilst I am disputing a debt? 2) Isnt it considered tresspass for a bailiff to walk onto my property without me contacting them to invite them? 3) I live with my parents, therefore everything in the house belongs to them. Please advise ASAP!!!!!!

I went to watch Everton play in London about 19 months ago and knowingly parked on double yellows as there was nowhere to park. There were 4 of us in the car so we decided to park there and split the fine. Anyway, I sent them 2 cheques, neither of which were cashed so I cancelled them both and called to pay £120 by card. I thought the matter was settled until about 6 weeks ago I received a CCS Letter stating I hadnt paid a fine and should contact them immediately. I did, and was adviced that the cost was about £440 due to none payment and legal costs, bailiffs costs etc. I was advised to contact the London Borough of Newham, which I did. I contacted my bank, received a printout of my statements and sure enough there it was, 19th July 2007 Payment London Borough of Newham £120.00 I contacted them to inform them and the snotty woman told me that this didnt prove I had paid this specific ticket. I asked her to use the little common sense she had to realise I live in Liverpool and had no other reason whatsoever to pay Newham £120.00. I rang back and spoke to a guy named Michael who told me to fax through the proof along with a letter of complaint. I did. I rang back to confirm but they said they had not received the fax (even though I have transmission reports proving it was received). I resent the fax and received a phone call saying "do you have the card number you paid with please?" I informed them the card had been lost and I had now changed banks. "OK, we will go with what we have got and will be in touch shortly." Today, I received a CCS letter informing me that a bailiff will be attending my property on Thursday to remove goods. Now: 1) Isnt it illegal and borderline harrassment to take such action whilst I am disputing a debt? 2) Isnt it considered tresspass for a bailiff to walk onto my property without me contacting them to invite them? 3) I live with my parents, therefore everything in the house belongs to them. Please advise ASAP!!!!!!

I cant get loans cos my credit is poor! By the way, I am in Liverpool too

I have a car under finance with BlackHorse. Because my credit history isnt the best my interest rate is 29.9% This makes the payment on a car I bought for £7500 £259 per month, an amount that is now crippling me. I have a decent income which will only rise within the next 2 years unless I do something stupid and lose my job. My adverse credit is only from when I was a dope in College about 8 years ago. Can anyone advise me on how I can get these payments down?

For example a phone contract, is this contract legally binding? You never ever actually sign anything do you?

How does this sound: (apologies for the font size!) You are pursuing me via a debt collection agency for £714 in relation to a mobile telephone contract, which I was miss-sold and cancelled during an extended cooling off period. I am yet to receive a response to my previous letter dated 29th November 2007, a copy of which is attached to refresh your memory. Therefore, I was left with no alternative other than to write to you again. I became an o2 customer approximately 10 years ago on a pay as you go online tariff offering me 300 free texts per month. As time went on my usage increased, thus raising the amount of money I spent. The amount was such that o2 regularly rewarded me with 20% credit back and on one occasion offered me a free mobile phone. I eventually decided that I would save money if I went onto a pay monthly plan. Everything was fine until I came to upgrade for a fourth time if my memory serves me correctly. I was informed my tariff was sim only and that an upgrade was not allowed. I explained that I had upgraded before and, after some conversation with an advisor and a supervisor, it was decided that the error was o2’s and that I would be allowed to upgrade. One year later and I tried to upgrade. Again the same situation. I explained to the advisor what had happened the previous year and the conversation with the supervisor. The advisor told me this no longer stood and that “If you want a handset you have to come off sim only and go into another contract. But, the new plan will save you money anyway.” I agreed and was sent a handset. Two weeks into my plan I called o2 to express my concern at my current unbilled usage. I was told “you will see the savings when your bill comes through. I will extend the cooling off period until your next bill. If you’re not happy call us back and we will do something about it.” My next bill arrived and was extortionate. I called o2 AGAIN to voice my displeasure. I explained I was leaving o2 to go to orange and would like to cancel. The advisor told me to revert back to my sim only plan as I was only bound into a 30-day period and it would cost me 30 days’ line rental to cancel, to which I agreed. I requested a jiffy pack to send the handset back, which arrived a few days later along with a prepaid label. I packaged the handset and took it to my local post office. Being prepaid it didn’t occur to me that I would require proof of postage. I simply placed my trust in the postal service. I regarded this to be the end of the matter. I received a letter from Wescott stating I owed o2 the sum of approximately £714. I queried this and they referred me back to o2. I called o2 who told me they had not received the handset. The advisor also explained it had been used in the Liverpool area. I explained it hadn’t been used by me as I was now on orange and had sent the handset back. The conversation ended. Wescott sent me another letter so I contacted them to explain. Wescott were satisfied I had no case to answer and told me they I would hear no more from them, which I didn’t. I recently received a letter from Buchanan Clark & Wells requesting the sum of approximately £714 that I owed to o2. I contacted BCW to question this and to explain that I had already had communication with another credit agency that closed the case. However, the agent at BCW was purely abrupt, uninterested in what I was trying to say and simply accused me of “selling it on ebay” and demanded I pay. Because of the arrogance of this agent and the fact that she constantly interrupted me I hung up. Since then I received a phone call from BCW. Again, the agent was rude and uninterested in anything I attempted to say, constantly interrupting me and demanding the full payment. Again, I hung up. To date I think I have received six telephone calls from whom I presume are BCW. I regard this as harassment under section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. In light of this, I would like your assurance that any further collection activity will cease. If I receive no further communication within 14 days of the date of this letter, I will conclude the matter resolved. Thank you in advance for your assistance. Yours truly,

Effing superbia! I love this site. Consumerdirect told me to also write to o2?

Qualty advice, I learned the hard way. The second time they called me I denied all knowledge of knowing who they were, they said you rang us and I said prove it, they couldnt and again asked for my address and postcode. I said you could be purple aki, I wouldnt give purple aki my address, and she went right and hung up. Stick to your guns mate, also try the CAB. They write to your debtors on your behalf, get interest frozen and make reasonable offers. Also, you dont have to be entirely truthful on your incom/outgoings sheet, make it work to your advantage, you only have to prove your incomings if it goes to court, not your outgoings.

I had a contract with o2 and was mis-sold an upgrade. I had been upgrading for a few years then was told I was on a sim only contract. I explained I had been upgrading for years and they admitted it was their mistake and I could continue upgrading. A year later I tried upgrading again and was told I would have to go onto another tarrif that "would save me money anyway." I called them 2 weeks into it saying I was concerned about my usage. They told me they would "extend my cooling off period from 14 days to the next bill date and if I didnt see a difference to call back and they would do something about it." I called back and they told me that they would put me back on a sim only contract. That way I could request cancellation and 30 days later it would be cancelled with no charges. They also waived the bill. I requested a jiffy envelope to send the handset back, which they sent. The jiffy envelope came with a prepaid label. I packed the handset in and went the post office. The envelope was pre paid so I didnt request a receipt or anything like that. I just put my trust in Postman Pat. I received a letter from Wescott saying I owed o2 £711. This was the 18 month contract multiplied by the monthly line rental. I quizzed this and they said to ring o2. I called o2 and was told that they hadnt received the handset and that the handset had been used in Liverpool close to my home address. I told them I was now on orange and had been for a long time. I contacted Wescott who told o2 they would not deal with the case any further and returned it to o2. They were satisfied I had no case to answer. Imagine my surprise when I received a letter from Buchanan Clark & Wells asking for £711. I contacted them and they were not helpful in the slightest. They wouldnt listen. They asked me to prove I had sent the handset back, which I couldnt. The woman said "how do I know you havent just sold it on ebay." Superb, mature comment. Anyway, after a bit of arguing I decided to hang up as I wasnt being listened to. I received numerous phone calls to my mobile phone, I dont know where they got my new telephone number from, but I asked who it was and again entered into a slanging match with the agent. I hung up. I have now had a letter claiming legal action is to be taken against me. I would quite happily go to court, however I have no proof of delivery seen as though o2 sent me a prepaid label and jiffy envelope. I had sent phones back in the past without problem. I faxed OFCOM with my complaint and also included the letter from BCW. I spoke to consumerrights.com and they said the following: "Based on the information you have provided the key legal points in response to your enquiry are as follows: You are being pursued for £700 in relation to a mobile contract that was cancelled within the cooling-off period. Only the court can actually order you to pay a claimed debt. To get such an order, a trader must provide proof that the debt is owed. If they cannot do so, the court would not make such an order. At this stage, we would advise that you send the collection agency a recorded delivery letter, keeping a copy for your records, asking for proof that you owe a debt. Make it clear that without such proof, you will enter no further correspondence or discussion over this matter, and may consider further requests for payment to be harrassment. You should also send o2 a recorded delivery letter, outlining everything to date, and giving a deadline to resolve the matter within a set period of time (i.e. 14 days). Make it very clear what you are claiming from them - that they ensure any further collection activity is ceased. It is also worth retaining copies of everything sent, for your records. If you require any further advice or information about this case, please do not hesitate to contact Consumer Direct on 08454 04 05 06 quoting the case reference number." I am now going to write to both BCW and o2. But I wanted to throw some stuff in like Data Protection, like harrassment. I just wanted some advice on writing the letter and, if there are any templates on this site, as I know there are millions