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About davejh666

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  1. Hi all, After some advice after receiving a Civil Parking Charge notice for Lidl in Cambridge Street St Neots. 1 Date of the infringement 02/12/18 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 04/12/18 3 Date received 06/12/18 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No, not as far as I can see. 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? {y/n?] post up your appeal] No, only recieved today Have you had a response? [Y/N?] post it up 7 Who is the parking company? Athena 8. Where exactly [carpark name and town] Lidl St Neots, Cambridge Street (there are 2 x Lidl's in St Neots) They operate under IPC. So, as above. I got into the car park at 10.46am on Sunday 2nd December and left at 12.29pm on the same day. Total stay of 1hr 42 mins. Free parking is limited to 1hr 30 mins. I went into Lidl to grab some breakfast before I went to the gym which is right next to Lidl and then went to the gym and then grabbed a bottle of water from Lidl after the gym. Not disputing that I was there that long, I honestly didn't realise I had been there that long. I have no receipts for Lidl. Any advice please would be appreciated.
  2. Evening, Thanks for the reply DX. I will upload the file tomorrow evening. I have it saved as a PDF file on my pc, but am unable to edit it to remove personal details. Will do it when I am at work tomorrow from my work PC.
  3. No. No GAP or PPI. Only thing we 'bought' was an insurance policy which covered mechanical breakdowns and repairs - that was £400, which we were not aware of until we got home with the final paperwork.
  4. Thanks for the reply DX. We have VT by letter, it was sent off recorded delivery on 28th September, and they received it on 29th September. The letter was very similar to the last one you posted. This is where all the rubbish about the collection fee started. They wanted us to take the vehicle somewhere that would have resulted in approx 120 mile round trip. My wife said that was not a reasonable distance and that she wanted someone to come out and collect. They said they would send someone out but it would cost £80. The woman at Advantage insisted they could charge it etc etc. So, in your opinion do we sign the paperwork when he comes to collect or not. Or does it even matter? It is just that I have this feeling Advantage are going to try and con us by claiming they need to repair this and that, and whack on a bill for collection etc. I will take photo's, I have already taken some, but will do more. Thanks again for your advice.
  5. Evening all, I could do with a bit of advice please. In January 2016 the wife and I took finance out on a car with Advantage finance. Unfortunately our circumstances have changed dramatically in that time and we can no longer afford to run the vehicle. We have been in contact with StepChange debt charity and they have gone through our finances and the only logical way forward for us out of a bit of a mess is to Voluntarily terminate the agreement and give the car back. We will still owe money on the vehicle as we haven't paid half the finance agreement, but StepChange have said we will deal with that once Advantage have got the car back. The advice I need is on the collection of the vehicle. The vehicle has no major damage to it - no dents or rust etc. There is a little scratch in the door which was there when we bought the car. Advantage have been really pushy on the phone to my wife already - to the point of bullying. I can understand from their point of view, in that they lent the money in good faith, but we are not burying our heads in the sand here, we are trying to do the best thing. On the phone they said any any marks or damage to the car would be charged. It is a 10 year old car, so of course it has the odd blemish here and there and, as I said, a scratch. What constitutes 'fair wear and tear'? Can I argue it at all if I don't agree with their assessment? What should I do if the person that comes to collect the car puts on his inspection sheet that it has a scratch etc? I am tempted not to sign it, or sign it as I am accepting they are taking the car but not accepting there is any 'damage' to it. As I said the car is in as good, if not better, condition than when we got it. The other thing is they are coming to collect the car Friday. They have said they are going to charge £80 to collect the vehicle. Now, StepChange have said they are not legally allowed to charge to collect the vehicle. I have read online that they are not allowed to charge. Does anyone have a definate answer as to if they can or can not charge to collect this car. In the grand scheme of things £80 is a drop in the ocean to be honest, but it is more a point of principle. Any advice would be most appreciated.
  6. Hi, Yes the claim form was issued and we responded the very same day we got it, that was on June 4th 2015. Name of the Claimant ? Cabot Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. June 2nd 2015 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE OF THE CLAIM IS DAY 1 [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. What is the value of the claim? £472.67 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Vanquis Credit Card When did you enter into the original agreement before or after 2007? After, it states on or around 22nd April 2010 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser we presume Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? What was the date of your last payment? Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? For all of those last 4 questions really, my wife can not remember ever having taken out a credit card with Vanquis. It was on or around the time she split with her ex. So, no payments were ever made. Yes, the correspondance from the court and the DCA is the claim is now stayed and today we got an email asking her to make an offer to settle.
  7. Hi all, I have looked through a few other threads, as there are quite a few regarding Cabot/Restons, but can't find anything like my situation, so hopefully someone can help. This is my other halfs issue really, but am trying to help her out as much as I can. Back in November 2014 we got a few letters from a debt collection agency about a Vanquis credit card debt it said my wife owed. She did not recognise the debt, so we wrote to them asking for a CCA and statement. We have kept a photocopy of this. We didn't hear anything back, and I will be honest and say we just left it. In June my wife got a letter from Northampton CC saying that Restons had taken her to court for £472.67 on behalf of Vanquis bank for a debt that was taken out on or around 22nd April 2010. We went online immediately and disputed it. I told the court we had never had any correspondence from Restons regarding this matter, but we did have another debt collector and we had already requested a full statement and CCA, which we never recieved. We asked again, through the court for a CCA. The court stayed the judgement. As I said this was back in June. Restons have said they have asked for the information from the original creditor, but they said (their words) that this can be a lengthy process. We told them as far as we were concerned they had 12 days to produce the relevant information. We got another letter today stating that they are sorry for the delay and they are still awaiting the information from their client. The invite my wife to put forward an amicable settlement proposal. Now, I realise we/I have probably done a lot of things wrong here, but where do we go from here? My wife has said (this was before me) she may have taken the CC out, she was with an ex at the time, but she honestly can't remember and she has no paperwork at all for a Vanquis CC (she keeps everything, so I find it unusual she wouldn't have something). So what should we do now? Many Thanks.
  8. Hi all, Thanks for all the advice. I looked last night for an email address to contact LA Fitness, but could not find one anywhere for them. I have wrote a letter to them this morning which will be posted off today stating the facts as Slick132 outlined in the response. I know you said they will pester me for the remaining month they think I owe them for notice, but ultimately what can they do? Will they effect my credit score in anyway, does it go against it? Cheers again for the replies.
  9. Hi all, After some advice regarding LA Fitness and cancelling my gym membership with them. I am sorry upfront but this is going to be rather long as I want to give all the information. I joined an LA Fitness gym in Bedford on 11/06/2014. This was under a rolling 1 month contract. I paid monthly via a direct debit which comes out of my account the 31st of every month. I received an email from LA Fitness on 29th October 2014 to inform me that my gym was closing on 14th November 2014. LA Fitness informed me in the email that: LA Fitness had 2 gym's in my town, they shut the one I went to and transferred the membership to the other one. The gym's are not that far apart, only about 2 miles at most. I called the membership line on the 30th October 2014 to ask a few questions. I was worried as I biked to the gym, about where I could leave my bike at the new gym and whether the gym would be suitable for my needs, and about the cost of the new gym. I was told the cost would stay the same and the re-assured me over the bike situation. I went up to the new gym on Saturday 15th November and it seemed okay, nice and clean etc. The problem came when I went to go last night, Tuesday 18th November. Although the gym's are not far apart (and as I said I bike there on my way home from work), it is quite a bit out of my way for biking home. It took me about 20 mins longer to get to the new gym, different route and much more traffic. And, when I got in the gym at about 6.45pm, it was very, very busy (as you might expect I guess). I had to wait up to 20 minutes to get on some pieces of equipment, and I generally did not like it. Which comes to me phoning up the membership services helpline today to cancel my membership (as my terms and conditions state I should). I explained to the lady on the phone that I had nowhere to leave my bike when I got to the gym (there is a bike rack, but it was full), it is not convenient for me (the sole reason I joined the original LA gym was that it was on my bike route to and from work) and I generally didn't get on well there last night. She said that I could cancel but I need to give 30 calendar days notice and therefore my membership would not end until December 31st 2015. Again, my terms and conditions state that notice on the first day of the month following receipt of notice of termination, so again, they are right. However, do I have any rights here as they have shut my 'Home' gym? I have no wish to go up there again. They only gave me 2 days notice that they were going to shut my 'Home' gym before they took a full months payment (the gym didn't shut for another 2 weeks so had use of my home gym for 2 weeks). I tried to argue that giving notice was irrelevant as I no longer had a home gym. She said in the terms and conditions it allows them to move me to another gym. The only bit I can see that possibly refers to this is: But, not sure if that is what she is referring to? Sorry this is rather long winded, but wanted to give as much info as possible. can I get out of giving them the notice they say I owe as the transfer isn't suitable for me. Many Thanks.
  10. Afternoon all, Could really do with some advice if possible. It's a bit of a long story but I will get through it as quickly and accurately as possible. On 13th June 2013 the wife, the kids and myself moved house (we rent with a HA). When we moved into the house we already knew, through speaking to one neighbour, that the property had been empty for a while due to flooding. Our Housing officer informed us that electric was supplied from Southern Electric, we took meter readings and phoned Southern Electric up. There is no gas supply to the property (or to the village for that matter - very rural). We set up a direct debit for £65 per month. For the first few months living here any post that came for the previous tenant we would bundle together and hand into the HA once we were going past (we had no forwarding address). Once it got past about 6 months we just threw the letters in the bin tbh. About 3 weeks ago we got a letter that was addressed to Miss D xxxx/current occupier, so I opened it. It was a letter from a debt collection agency (face 2 face) operating on behalf of Ovo electricity, demanding £2150.50. I called Ovo to explain that we don't owe this debt, we are with Southern Electric. The guy said to me that was fine and that he would update their records immediately. However, Monday, we were away on holiday and didn't get home until Monday evening, a doorstep collector turned up at our house and obviously as we were not there put a card through the door to say that he called. Again, I called Ovo to complain, saying we didn't owe this debt and that we are with Southern Electric. However, at this point the chap turned around and said, no you are with Ovo. They, as it turns out do supply our property with electric, not Southern Electric, and have done since December 2011. The chap said there was a request from Southern Electric back in March 2013 to take over supplying the property, but Ovo denied it as there was debt outstanding. It turns out this was our HA asking Southern Electric to supply it when they were doing the necessary work on the property when the last tenant left. I phoned Southern Electric to check this out, and after about 30 mins of investigation they confirmed that indeed Ovo do supply the property, not Southern Electric. The lady I spoke to said she would raise a formal complaint on my behalf, but this could take a few months to sort out. Obviously Southern Electric have about £750 of my money. Which leads me on to Ovo. After all this I gave the chap at Ovo our current meter readings. It turns out since we have been here we have used £1650 of electric, so we were massively underpaying Southern. The reason Southern didn't spot it earlier was because all there bills/statement were estimates. The chap at Ovo said to cover current consumption we would need to pay £135 per month - that's fine. However, he also said the debt of £1650 needs to be cleared in 12 months. There is no way I can do that. It would push my bill up to about £275 per month (until I get the refund from Soutern), then down to £220, which I just can't afford. The guy did say the only way they will extend the debt is through pre-pay meters, but they just are not practical where we live. Our nearest pay point shop is nearly 7 miles, and even in this winter, which wasn't that bad by all accounts, we couldn't get out the village for about a week in total through flooding etc. I did, in another conversation, ask them to fit a smart meter as you can top them up online which would be fine, but he said our meter isn't compatible, and as they didn't have to do it until 2020 or something they wouldn't do it. I have told Ovo I can afford £175 per month, but they won't accept. So, what do I do? I have left it that Ovo are going to call me next Wednesday to set up a repayment plan of £275, which in all good conscious I can't do because I can't afford it. I have called Soutern god knows how many times to sort out getting my money back (and compensation) and just get told it is going through the complaints system. Southern are trying to push the blame onto Ovo, saying they should have contacted me well before now. I feel we are being right royally screwed here, and don't know where to turn! Thanks.
  11. Cheers for all the replies. I called the bailiff again yesterday and she said she would put a note on the account to say the my FIL is not the owner of the vehicle, and as such the van would not be touched. She did ask me for my FIL's telephone number so she could call him to speak to him about the debt. I didn't give her the number obviously. She did say if they can't make some kind of contact within a week or so they will go back to the council and ask to force entry into the property. Keep in mind that council tax is now owed for 4 years (this is the 5th year), how likely is it that the court will give permission to force entry? Thanks.
  12. Okay, well he won't pay, or rather he can't pay. He has about 3 more weeks of work and then he retires. He has savings of zero and next to no income. It is just the tip of the iceberg. We knew nothing really about this all. We knew he was struggling financially, but not to this extent. He confessed he hasn't paid any water bill for about 15 years, council tax is as I say over £4k. He is behind with rent but not sure how much. We have tried giving him advice, but he just won't listen. I think his only option is bankruptcy, but he won't do it.
  13. It is used for work, but how would he prove it is used as a work vehicle? And, back to the original point, if they have gone to DVLA to check to see if the van is in his name, why have they not put a notice on the car that was outside?
  14. Afternoon all, We have a bit of a situation going on that I really need some advice on. About 2 years ago my wife was working as a self-employed courier. We bought her a transit van to do the job in. What we didn't realise, but did very soon after, was that her driving licence does not entile her to drive the van we bought (it is a long wheel base transit that is over the weight restriction on her licence). To cut a long story short, her Dad needed a van to do his job in but had no money to buy one with so we 'lent' him ours, with a signed agreement that it was still our van, but it would be registered in his name and he was responsible for the upkeep of the van, but was not allowed to sell it without our permission. last week we got a phone call from him saying a bailiff had put a notice of seizure of goods and inventory over unpaid council tax totaling over £4000. The van is not worth anything like this. Now, we have the original receipt we got from the previous owner of the van, and we have the signed agreement between my wife and her father. I have left a voice mail message for the baliff's, but nobody has come back to me. We have taken the van back for now and put it in a lockup we have. Are they entitled to take the goods as her Dad's name is on the log-book? Also, where will they have got the information from that he owns the van, DVLA? Only asking as he also has a car which they have not put a notice of seizure on, which was parked outside his house also, just find it very odd. Thanks.
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