I cannot get my head around the blatancy of them. They really do not care at all. I want to remove the clamp but I do not want to find myself arrested for criminal damage either. In a real catch 22.... I do not even know how much they are charging I have had no correspondence from them at all other than a sticker on my windscreen and this letter today.

Letter received from Newlyns today: I would advise you that Newlyn Plc is working under instructions of our client London Borough of Newham, who have issued a warrant of execution at the traffic enforcement centre on the 27th February for non payment of a penalty charge notice. As certificated bailiffs we have een instructed to enforce the warant of execution and can make charge for the administration and enforcement of the warrant as per the Enforcement of Road Traffic Debts (Certificated Bailiffs) (Amendment) Regulations 2003 Please be aware that Newlyn Plc reserves the right to seize a vehicle which is on finance should it become necessary our respresentatives may remove the vehicle and will then liaise with the relative finance company regarding the matter. Enforecement action has been halted and , as such, the immobilisation unit will not be removed from your vehicle until such a time that Newlyn Plc has received further instructions from our client. Whilst we do empathise with your current situation you appeal must continue to be addressed directly with our client and the Traffic Enforcement Centre. Should our client request that the file be closed or returned then we shall, of course, comply with their instructions. I can confirm that enforcement actions remains halted pending the outcome of your recent appeal. However, please be aware that if your appeal is rejected, enforcement action will recommence in order to recover the monies owed if no payment is forthcoming

Hi At the moment though there is a hold on all bailliff action from the court and I do intend to appeal should the council not accept my request to file out of time then I will take it further and ask for a formal hearing in the county court. I take it the bailiffs cannot take any further action whilst this is going on? Or can they just turn up and take the vehicle?

Yes they confirmed they have received it they have it scanned on their system. They are saying that because it was outside the 28 days they had no responsibility to acknowledge or respond to it. There is about 600 outstanding on the log book loan and I have no idea what the car would be worth at auction I intend to fight this to the bitter end and will be asking for a hearing if the council reject my application to file out of time. They have until the 15th April to respond to the court. However, this does not help me now as I don't have my car. I have read somewhere about an abandoned levy as they left the vehicle. It states that if that is the case I can remove the clamp. Is this correct?? Do you know what will happen if I do remove the clamp? Hope you can help

No I have got nothing in writing only phone calls, it is a real struggle to get past customer service at Newham council apparently Parking services do not accept calls and as for the bailiffs they are just arrogant and rude and they keep telling me to speak to the bailiff who tells me to speak to them. I have never known anything like this. No it could not have been Saturday night and I drove it around 9pm sunday night so it was some time after that. My dog started barking in the early hours but there were no lights outside I think this must have been when they came but I have no idea what time that was.

It is Newham council and Newlyn Plc bailiffs. Another issue is that I was due to catch a flight at 7am that morning and went to get into the car at 5am they are stating they put the clamp on at 6.58am which is impossible. I have flight tickets to prove this. I have read somewhere they are not supposed to attend a property before 6am and after 9pm is this correct and if so what can I do

I received a parking ticket in August last year, due to being 10 mins late back to my car. I did appeal this but it was outside the 28 days. I heard no more from the council and Monday last week went to get into my car to go to catch a flight and there was a clamp on my vehicle from bailiffs I filed a forms TE7 and TE9 with th court and the action has been put on hold. However, they are refusing to remove the clamp from my vehicle stating that the action was taken out prior to the court putting the clamp on therefore the clamp remains in place. Both the council and bailiffs are stating this. Therefore my car is clamped on my driveway, I have no access to the garage I cannot get my bins out for the dustman and the drive is obstructed. More to the point I need my car to get to work. Is this legal? I feel like I am being backed into a corner with pay it or pay it. Does the council not have a responsibility to tell me they were not going to look at my appeal or is it ok for them just to ignore my letter. They acknowledged the letter when I spoke to them said that they had no responsiblity to notify mne and the clamp remains in place, how would I know they were not going to do anything if they did not tell me. Nobody seems to care that I could not get to work and possibly lose my job. Fortunately I am using a pool car from work at the moment. On top of all this I have a log book loan on my car with bill of sale which the bailiffs have copies of which states the car is not allowed to form any part of a distress or levied and the bailiffs have said thats fine just means we cannot sell it. Is there anything I can do as I am just banging my head against a wall. I do not think I should be forced to pay something I appealed and I feel I am the subject of bully boy tactics. I do not even know how much they are asking for I had to fight with the bailiffs to get the PCN number and they didnt want to give me the phone number for the council i had to google it. Surely there must be some law against this please help do not know which way to turn

The publication by the OFT states It is a criminal offence to carry out any activity that requires a consumer credit licence under a name that is not on your licence.

They are a one man band... They have been contacted in the first instance and were very rude and now they have just gone completely silent...

Could somebody please help. Is a credit agreement that was taken out prior to a trading name being added to a licence legal and enforceable? I have just found out that I took out a log book loan with a sole trader. So the sole trader had (his name) trading as **** he had made application to have the name he traded with me as added to his licence but this name was not added until after the date we traded by (8 days). The OFT have advised that it is a criminal breach to use a name that is not on your licence but will not state whether or not the agreement is enforceable. They say that is a legal matter and I must seek legal advice. The financial ombudsman states the same they cannot offer legal advice. So in your opinion is this agreement enforceable Many Thanks

I have just had a response from the OFT and they have stated that until the name is added to the licence it is a criminal breach. So my question now where do I stand? Is my credit agreement and or bill of sale void? If so how do I go about dealing with this mess. The details of the breach have been forwarded to the Trading Standards, the Financial Ombudsman is looking into this as well. Do I continue paying or are there any steps I can take myself? Many Thanks

Hi Does anyone know if I can challenge a log book loan? I took out a log book loan in June 2011, when I spoke to the person down the phone I was told the only condition was that I had to keep the loan for a minimum of 3 months and then I could pay off the balance. The gentleman drove down from the north on the same day printed off some documents put me in the car and drove me to a solicitors office. I did not see the forms but was happy with what the lady had told me down the phone. I was later sent an unsigned credit agreement and my vehicle documents back. I have since found out the person that issued the loan is in fact a sole trader. I was under the impression it was a large organisation. I have requested a copy of the bill of sale and am awaiting this to arrive. I tried to settle the account in April 2012 and then found out I had been tied in for a 2 year fixed term. So in short I am being charged £3400 for a £1000 loan. I feel I have been mis-sold this as it is definitely not was discussed with me down the phone. So am I am to challenge this is anyway. I would have been insane to knowingly sign into a 2 year fixed term agreement. K

Hi My story is a bit involved so I thought I would start at the top and gradually move through the different questions I have. My initial question is if somebody applies to the office of fair trading for an amendment to their licence eg: to add another trading style to it at what point are they allowed to actually trade. Is it from when the application is sent or from when it was approved. I have checked the public register of a particular licence holder and they applied for an additonal trading name and style of credit on the 31st May 2011 this is when the OFT has stated application received on the 17/6/11 they have stated closed so this I am assuming to mean when the application was dealt with. I would like to state they are a sole trader offering mortgages and logbook loans Is the licence holder permitted to trade with the new trading style on the 9th June 2011 prior to what I seem to believe is the date the application was approved? Many Thanks for any advice and there is a lot more questions to come I just want to get things in slow order K

Thank you for your advice. I will give it a go. He is wanting me to tell them that he knew nothing about it and I did it without him knowing, which is NOT strictly true. Sure he did not know there was a credit account opened but neither did I. As far as I am concerned I was looking to order stuff that he had wanted me to. I do wonder whether or not it is worth me going to the police and explaining what has happened? Does that mean that he will have two defaults in his name one for Littlewoods and one for Lowell? We cannot hold a civil conversation so any communication we have usually ends in huge arguments so I try not to talk to him as it gets nowhere. Once I have enough information I am going to write to him with what I am going to do

Hi Yes the debt has been paid in full to Lowell. The goods were Christmas presents last year some of it was for him I thought I was ordering in my name it was my computer I did not know an account for littlewoods had been opened in his name, like I said earlier there were never any catalogues sent to the address and nothing was signed. I think littlewoods must have just opened a credit account without me realising. Apparently the account was opened in June 11. I think at the time I was looking for lacoste t shirts for him he was after a specific one that was eventually bought at the House of Fraser I had to do all his online ordering for him whenever he wanted anything