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About TheLeeds

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  1. I've been asked by a neighbour to see if I can find any contact details for a mortgate broker called Key Consultants, who I'm told provided advice and / or an intruduction prior to her obtaining a secured loan and PPI from a company called National Home Loans. She's been advised she may be able to claim PPI compensation, however the mortgage company has rejected her initial approach and stated that a 3rd party provided advice upon which her application was based. I've serched for 'Key Consultants' online and on the companies house website, and come up with a large number of possibl
  2. So what about the supposed contract side of things ? For a contract to come into existence and be legally valid, there would have to be an offer, acceptance, consideration, and an intention on the part of the parties to enter into a legally binding agreement. It would be my argument that I do not have any business with the landowner, do not intend to enter into a legally binding agreement and I do not accept any of the terms of their suggested contract. Therefore, no contract exists. So come on, who agrees, or disagrees with this ?
  3. The original residents association formed a limited company, which then bought the land. It may be very well intentioned, and the stated aim of the parking scheme is to deter non residents from parking on the estate, however, as with many things like this, there's a danger that people who park there legitimately will end up being ticketed. I personally wouldn't be worried, as I'm quite happy to fight my corner in court, and have done on several occasions, but there will be lots of people who will simply pay, because it says so on a bit of paper.
  4. It doesn't. It says Parking charge. There's no edit button I can see, but if you're able, feel free to edit the wording.
  5. I'm currently living in a privately owned residential road / estate. A management company was formed last year which then purchased the common parts of the estate, ie roads and footways etc. The company has indicated it's intention to issue fixed penalty tickets to anyone parking there without a permit. This of course raises several questions, such as whether these charges would be enforceable. There are also various practical issues which I can envisage arising, for example, if a legitimate visitor was to arrive unexpectedly, or outside of normal hours, with no means t
  6. Another illogical thing about their behaviour, is that if I phoned them, I could answer the security questions, and then they would credit the money to the card account of my choosing, however, the branch staff refusal to do exactly the same thing does raise the perfectly valid question, which is this. What's the point in having a branch if they refuse to carry out the legitimate instructions of their customers ?
  7. I visited a Barclays bank branch in February. Whilst there, I paid a cheque into my current account. I then asked for funds to be transferred from my current account to my Barclaycard Visa card, in order to clear the outstanding balance. The cashier asked for my debit card PIN, which I had never been given, after which she refused to process my instruction. This is despite my being able to use the card for online payments. By refusing to transfer the funds, the bank had effectively declined to allow me access to my own money. The cashier then said she cou
  8. If a debt collector turns up at your house, don't let them in. They have no powers of entry unless they have a court order allowing them entry. Best to just not engage them at all. They will get bored and leave. They have better things to do, such as to harass people who might pay them. Don't be one of those people. If anything arrives through the post which looks like a court summons, read it carefully, to make sure it actually is one. Some debt collectors have been known to fake these with the intention of frightening people into paying. If in doubt, find the phone number on the summons,
  9. Basically, you only owe the money to them if you either, a) agree that you do, or b) a court decides that you do. One question to ask yourself might be this. Who has been scammed here, you, paypal or your bank ? I had a paypal negative balance once. It's not a long story, but it's not a short story either. I sold some genuine Microsoft software on ebay (purchased retail, had receipts etc). I was paid through paypal, and I used a small amount of the sale proceeds to make another ebay purchase. When the buyer received the software, he alleged it wasn't genuine, and as a g
  10. I was just thinking about this the other day, and wondered if company directors ever get prosecuted for trading whilst insolvent. I've certainly never heard of any who have. In theory, there must be a huge number of insolvent companies which continue trading. Some are doing so because their directors are genuinely hoping for a turn around in fortunes, better times etc, but some directors just don't care, because they know they can recklessly run up debts, and can just pull the plug and call in the receivers when it all gets too much.
  11. I've sent this one out a few times. _____________________________ Dear Sirs RE Unwanted Telephone Calls My Phone Number XXXXXX XXXXXX I do not wish to receive telephone calls from you. Would you please note that I will file a complaint with the Information Commissioners Office for each and every unwanted call I receive from you. In addition, I will invoice your company for all the time I have to spend dealing with these unwanted communications. The invoices will reflect the loss of what would otherwise be productive time. My charging rate is £75 per hour. You ar
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