i have the notice to owner

should l send my own pictures or rely on the blurred pictures from the council?

sorry on what basis are you saying i should appeal?

so what should i appeal on?

yes one of the paving stones is damaged and does look lower. the council have now put double yellow lines where i was parked

Hi i am trying to establish whether this warrants a parking fine? i do not believe i was blocking the dropped footway but obviously parking attendant thought otherwise. I am going back to look at the dropped pathway today would it be a good idea to measure the height? the pictures the council sent me are very blurred not sure if they are going to produce better pictures in court. i have posted some pictures i took on my mobile at the time

Yes, I have already changed over all direct debits etc. My main reason for saying my account was with the bank was because i notice someone said not to sign the CCA request letter. But the bank already have my signature. My mortgage is also with the same bank.

I am in the unfortunate position that my credit card account and bank account is with the same bank. does it therefore matter if i sign the letter requesting my CCA? also i found this letter via your link but it does not mention supplying a signed/true copy. is this the most up to date template? [Your Address] June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re: Account/Reference Number 4563210025897412 With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully

it was opened april 2008

it was a credit card - where i transferred balance from another card. bank = abbey

what do you mean by a "running balance"?

on the phoned they said it had been destroyed. in writing they say it is not available

Hi I have posted in a few places. However, I would like to learn the correct format/template for requesting my CCA from my bank. I am disputing the interest they have applied. I did ask the Financial Ombudsman to get involved but they said if the bank had destroyed the CCA there was nothing more they could do. Is this correct - what is the role of the FO? I did request my CCA before but didnt send a £1 although the bank acknowledged they received the request.

Thank you. Does the Consumer Credit Act 1974 (Sections 77−79) apply to credit card balances?

Hi can someone tell me what letter or what is the format of the letter i need to send to my bank in order to receive a copy of my CCA? Is it just a matter of sending £1 and saying you want a copy? My bank has already admitted they destroyed it but are still pursuing me for the interest which i dispute. the financial ombudsman seem to be on the side of the bank thanks Shaz

Hi can someone tell me what letter or what is the format of the letter i need to send to my bank in order to receive a copy of my CCA? Is it just a matter of sending £1 and saying you want a copy? My bank has already admitted they destroyed it but are still pursuing me for the interest which i dispute. the financial ombudsman seem to be on the side of the bank