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  1. Update: In court last week. Coast were represented by Council, neither TLT or Coast were present. They were pursuing for possession/eviction - the judge granted a 2 week adjournment, due to personal circumstance and the fact that I had proof that I had to tried to contact them to negotiate a deal to which they did not respond. The court were also concerned that the court helpdesk advisor (that has been helping me the case and came into the courtroom with me) also contacted them and they also did not respond to her either. The judge was not impressed with that and basically gave me a 2 week adjournment to go away, contact Coast and try and negotiate a deal. There was a complication, the judge said that really if following protocol correctly she should grant the possession as Claimant pointed out that the loan had become fully payable and that a full demand for payment had been issued. I wander if they are referring to the end of the contract because if so that is not until 2022. I contacted Coast straight away and was connected with someone from Target to negotiate and was advised that no offer would be accepted and that only full settlement of the loan would be accepted which is around £19K. No mention of the illegal charges on the account was mentioned in court as the Citizens advise legal advisor suggested this may only complicate things in the courtroom that day. Having a good look at the original very difficult to read original agreement and the recon copy it looks as though amounts are different. For example original loan agreement says advance amount is £15000, the recon copy says advance amount is £16500.00, including different monthly payments. Requested from Target a letter of authority to allow someone else to negotiate on my account. They said they would post last week and still not arrived. They said they could not email this, sent email and been trying to call but no answer from Coast Finance. No letter of Authority has arrived and no answer from phone as of yet! (25 mins on hold!) Supposedly back in Court next Tuesday but awaiting notification from Court.
  2. I'm not sure what terms they are going to negotiate, I did mention that there were lots of illegal charges and fees on the account that needed to be deducted with interest but they didn't agree. My parents can help but they are retired and in their 80's and they are both unwell. So they can help but not much. A few years ago Welcome offered me a settlement figure of £3.5K - I would have snapped that up then if i could but if they were to offer similar now I would definitely ask my parents, i don't think they will offer that low though (If they do at all!)
  3. Thanks Ell-enn for this very helpful info - the arrears balance is around £20K, that's including all their fees and charges, recent legal fees etc. Last payment was made quite some time ago possibly 2+ years ago. I had contacted them and asked them if they would accept a significantly reduced settlement figure and that if it was reasonable i may be able to ask family to help but they did not even respond to this and continued with their court proceedings. The lawyer is going to try and negotiate with them over the next few days. Mates rates for lawyer so thats good news although this is not their area of expertise.
  4. Hello Ell-enn, thanks so much for looking at this I have received; 1. 'Notice of hearing' with date and time confirmed (approx 3 weeks time) 2. Also received (i think at the same time) 'General Form of Judgment or Order ' stating the judges names and the court address also states 'IT IS ORDERED THAT' : Because this order was made without a hearing, any party may apply for it to be varied, stayed or set aside. Such application must reach the court within 7 days of service of this order. 3. Letter from HM Courts & Tribunals Service: "We have sent you this pack because the claimant (your landlord or mortgage provider) has applied to the court to evict you. "You must act now as you are risk losing home etc etc" Contact local duty advisor etc 4. Letter from TLT stating they have been instructed so start re-possession proceedings relating to the above property. With details of the Court date and time etc. 5. Another letter from TLT 'Notice of Substantive Hearing' with date time of hearing That's the lot!
  5. A lawyer has been dealing with this (as I was struggling to deal with this alongside my current PTSD trauma counselling.) - now have Notice of Hearing which says " A Judge has decided that this case should proceed to a possession hearing, you must attend this hearing, if you do not the order may be made in your absence. If you are unable to attend for any reason you must contact the Court or the other party immediately. It goes on to suggest that seek legal advice or get myself representation. I advised the lawyer that there were legal charges on the account but i don't think this has been mentioned to the court in previous communications. I have been advised today that the worst case scenario is that the full debt will have to be paid immediately - if that is the worst case I have no idea how that will happen given that I have £287 to my name. I'm having PTSD trauma counselling at the moment and passed this over to family to help who involved a lawyer to help with but fear that this may have been wrong decision
  6. Received from 'Debt Recovery Plus' an letter stating that legal recovery actions will begin if i do not respond within 7 days.
  7. Thanks FTMDave - so is it safe to ignore all correspondence to them - or should I write again and insist on the fact I paid for a ticket and that I will not pay any fine! Or just ignore completely. The pub said they don't own the car park but it causes them a lot of problems, people use the car park and pay at the machine and if they come into the pub they refund them the parking costs - they said they think that many people just ignore parking fines from this company.
  8. Hi FTMDave - no unfortunately not, becuase I paid cash and chucked away the ticket - after all there was no parking ticket on my windscreen.. (live and learn must keep all tickets!)
  9. Good point DX nothing to do with the council, ill follow these recommended steps and go take a look at the site.. Lookinforinfo I think its the royal oak but I think they must get people constantly parking in there for the co-op as its right next door. Ill go take some photos and post them up here shortly.. thanks both for help
  10. I know DX - I've had similar in the past! I immediately appealed as I had bought a ticket thinking that would just settle the matter, clearly not! I'm surprised as Bookham is such a small little high street this parking company must catch out tons of people as it appears to be just a standard pay and display car park! Disgraceful - I don't now how the council allow them to get away with this.. 1 Date of the infringement Give answer here 16/05/21 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 20/05/21 3 Date received 26/5/21 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] YES 5 Is there any photographic evidence of the event? YES 6 Have you appealed? [Y/N?] post up your appeal] YES as i bought a ticket Have you had a response? [Y/N?] post it up yes 7 Who is the parking company? Initial Parking Ltd 8. Where exactly [carpark name and town] The Royal Oak (Next to the Co-op) Bookham High Street, Bookham, Surrey For either option, does it say which appeals body they operate under. POPLA parking edited.pdf
  11. In Bookham, surrey there is a small co-op with a small car park next to it with a parking meter. Parked there, put about a £1 in the meter as I only planned to pop in quickly. I had to enter my car reg number into the meter. I thought I had paid for parking until received a parking fine of £100 discounted to £60 if paid within 14 days. I immediately appealed the charge and told them i paid for the parking at the meter and this is the response!: (I definitely smell a rat!) Issue date: 20/05/2021 POPLA verification code: xxxxxxxxxx. Thank you for your appeal received on 26/05/2021 regarding the above detailed Parking Charge Notice. We have carefully reviewed the case and considered the points that you raised in conjunction with the facts and evidence available to me. On this occasion, your appeal has been rejected and we are satisfied that this Parking Charge Notice was issued correctly. The Royal Oak, Bookham is private land and is subject to a parking management scheme put in place by the operator at the landowner’s request. There are specific terms and conditions in place as part of this scheme. These terms and conditions are stated on the signs installed at the site, which are displayed in clear and prominent positions. The terms and conditions of the scheme at this location state that a valid payment must be made for the length of time the vehicle is parked on site. On 16/05/2021, the vehicle was parked without this payment being made. This was a breach of these terms and conditions. As stated on our, very large, BPA approved signs ' By parking or remaining in this car park you agree to the terms of the Parking Contract (if you do not agree to them then please leave within 10 minutes of entry)' Therefore, the charge remains valid and payment is due. Ultimately, it is the responsibility of the motorist to ensure that they seek out, read and comply with the terms and conditions of parking that are in place. By parking on site in breach of these terms and conditions, it has been agreed that the charge detailed on the signs will be paid. I appreciate that this may not be the desired outcome, however, you have now reached the end of our internal appeal process. The three options available are listed below: Your options 1) Pay the PCN at the reduced amount of £60.00 by 14 days. After this time the opportunity to pay at the reduced amount will no longer be available and the amount outstanding will rise to the full amount of £100.00. This will need to be paid by 14 days. Payment can be made online by phone or by post. Go to www.initialparking.co.uk, call 0333 023 0138. Payments can also be made by cheque or postal order made payable to Initial Parking Limited. Please ensure you write your Parking Charge Notice number clearly on the reverse. Please do not send cash through the post. Payment can be made using a debit or credit card by calling the automated payment line on 03330230138. For our full Complaints Procedure please visit www.initialparking.co.uk.
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