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About Maki

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    Basic Account Holder
  1. Thanks BankFodder, I certainly have the anger and the time to take this as far as I can ! I'll put everything together in a chronological order in a separate message as soon as I've typed it all up. I request the SAR from Natwest last week (after explaining to the complaints handler that I didn't need to submit the request on writing or to a particular department and suggested she obtained some training on the matter!) I got the impression the solicitors I've spoken to just didn't want to take on Natwest.
  2. I've had an ongoing battle with Natwest since September last year when I discovered they'd been reporting missed payments on various loan and mortgage accounts that had been settled 9 years previously. (I only discovered when I was rejected for a property based on credit checks). After Natwest refused to correct the errors for various reasons I took my case to the Financial Ombudsman who ruled in my favour after Natwest admitted they'd misplaced a lot of my records and made errors on my accounts. The ombudsman ordered Natwest to correct the mistakes on my credit file and recommended
  3. Do I let them know I wont be paying and not to bother with debt collectors or do I just ignore everything until I receive any court papers ?
  4. It was more a request to move (worded "would you mind moving your car.." rather than an instruction to move from the police as it's private land they couldn't instruct me to move. I was thinking about getting other residents to petition for the removal but the majority are tenants rather than the actual property owners so I'm not sure how much weight that would have at the end of the day. Something to consider once I know what I'm doing though.
  5. OK, I've had my response from POPLA and they've upheld the parking invoice (no surprise there!) stating the employee didn't have the right to alter the terms of parking and I accepted the terms displayed on the signs in the car park. In addition to this they said the fact I emailed UKPC to confirm the change to the parking conditions as verbally agreed is irrelevant as UKPC didn't respond to the email to accept them. I've now received the usual pay up or else we will pass to debt collectors letter from UKPC. I have no intention of paying this charge and am happy to go to court to ar
  6. I actually look forward to them trying to take this matter to court, but I'm just as interested to know if I could turn the tables and charge them the £120 for breach of contract in that they issued a ticket contrary to the verbal agreement (which I confirmed in writing via email to UKPC) to amend the contract I had with a member of their staff
  7. Sadly I couldn't allow it to go to that stage as its a contract car and the agreement states they will just pay any unpaid parking tickets and charge me an additional fee for doing so
  8. I’m looking for some advice and to see if I can can invoice UKPC under the parking conditions for breach of contract using the same charges laid out in the parking terms and conditions. To give a brief background; I live in a complex where residents are allocated a parking space and must display parking permits and visitors may park in visitor bays as long as visitor permits are displayed. A few weeks ago I was woken up by a knock on my front door from two police officers asking if I would mind moving my car as my neighbours had been locked in for the past 2 hours by an illegally p
  9. I’m not sure if this helps but I didn’t do any of that. I simply completed their online form stating I believe I’d been missold as I had enough cover elsewhere and 6 weeks later I received a letter stating I was due a refund of over £3,000. The cheque took a couple of weeks after that to arrive.
  10. I’ve spoken to Infomation Commissioners Office and they’ve confirmed under the Data Protection Act the debt shouldn’t have been Re registered I’m going to issue another complaint
  11. Thanks for the replies. The shortfall is due and I've been in communication with Natwest more or less constantly about the debt and am making every effort to pay it. My concern was that they seemed to have once again screwed my credit file by reporting the shortfall as a new debt.
  12. Thanks for the reply. The other loans and CCJ's aren't showing anymore as they were past the 6 year mark which I pointed out to the bank so they updated their records with the correct default dates etc and had the records removed from my credit file. The house was repossessed over 7 years ago (I have all the paperwork) and Natwest have only just added the shortfall to my credit file in the last week when they were sorting out the mess they had made on my credit file. My point was that once the mortgage had been defaulted I didn't think they could report the shortfall as a new de
  13. 11 years ago I was taken seriously ill and due to the illness I lost my job and ended up in a financial mess resulting in my house being repossessed. Thankfully my health has stabalised and I'm now starting to get to grips with my financial mess. Having checked my credit reports I noticed Natwest were reporting missed payments each month on two mortgages and a loan and hadn't recorded any of the defaults or CCJ's. I lodged a complaint with Natwest which they upheld due to inaccurate reporting of my credit file when one mortgage and loan had been paid off with a full a final sett
  14. If you were on a true zero hours contract, your employer could simply choose to say they have no hours for you each week for the remaining weeks (if you are on a fixed period contract, or forever if you are on an open ended contract) Unfortunately, until you have worked for an employee for more than 2 years you have no rights to take your employer to a tribunal for unfair dismissal (or much else) unless it's on grounds for discrimination where special rules apply
  15. Yes, it is an online form. However, I only have 10 days to post a defence as Royal Mail took 18 days to deliver the notice and when I spoke to the court was told I was lucky I could still file the acknowledgement as the solicitors hadn't applied to find me in default. Do I admit the £290 and reject the rest on the basis I don't have a clue where it's come from ? Thanks in advance
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