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  1. Hi all, I have received a letter out of the blue from cabot regarding an HSBC loan, allegedly in the sum of £11,045.93 I had this loan with HSBC but have had no default notices, NOA or anything from them since I fell on hard times in 2010 and had to stop paying. It states that it is an important notice and that after several attempts to contact me (in reality, none have been made or succesful) they are allegedly going to take legal action against me! What is the first step in this - letter states that if I do not call within 7 days of the date of letter (10th March) they wi
  2. Some advice please. My severely disabled daughter (uses an electric wheelchair) and her carer used a car park in Exeter in a Smart Parking car park, but the carer only entered the last 3 letters of the car reg. This is most probably because in our local council car parks you only need the last three letters. The letter states we did not purchase a ticket or it was insufficient time. I still have the ticket and photographic evidence that we paid and parked, so I appealed on their behalf. The appeal was on the grounds that we did not enter the full reg and they are upholding the
  3. Wondering if one of the experienced users on here can help here with this one? Yesterday afternoon I found my car clamped by Marstons Bailiffs - no paperwork whatsoever only a scribble and phone number so I phoned them to find out that apparently I failed to pay the congestion charge in November last year but know nothing about it as they send all paperwork to a previous address even though I updated my address with the DVLA in 2017!!! Then the bailiff stopped answering any of calls when I tried to ask her about PCN information etc and the TEC phonelines were not being answered yest
  4. i'm asking on behalf of a friend who is a wheelchair user and had to attend homerton hospital for her daughters appointment. they drove around looking for a BB parking space and couldn't find one and as the appointment time was nearing they parked on St Barnabas Terrace. they are newham council residents and and unfortunately hackney council seem to follow different rules, in newham they can park in resident only bays etc with a BB. they did not realise that they can not park in the business permit holders only bay with a BB and i know ignorance is not a defence but this was t
  5. Hi All I have now received 3 letters in the last two weeks for a small 'debt' by Lowell on behalf of EDF. This supposed debt (£71.15) on the letter for 'outstanding balance' states a date range between '22.5.13 to 4.6.15 ( this was the entire term of my account with EDF I believe.) These letters arrived out of the blue. The account for utilities at EDF which ended at April '15 I think judging by old emails I have. Ive had no letters or other communications from EDF in the last 5 years that Im aware of about this alleged debt. Surely this must be some kind of fishing trip?
  6. Hi, Can you just apply and pay the fee for a new blue badge submitting the relevant docs when you lose your blue badge? rather than going to the police station and convincing them that you really did lose it as the dvla want a reference number for them! Anyone been down this road? Thanks.
  7. This is yet another important decision from the Local Government Ombudsman and one that once again makes clear that if a debtor who is subject to bailiff enforcement considers that he may be 'vulnerable', he must be prepared to provide evidence and outline how his 'vulnerability' affects his ability to deal with the debt. In brief, Mr B's complaint was as follows: Mr B incurred 5 penalty charge notices. He believes that there is a law from the year 1600 that means that he can’t be fined and so can park anywhere. He and his wife both have Blue Badges and he considered that
  8. This is just a tip for anyone who receives a blue badge because they get tbe Mobility component of PIP. I was on DLA for years up until Nov 2016, when I was transferred to PIP. In the 'old days' with DLA, when you came to renewing your blue badge, you simply completed the application form, enclosed passport photo, ticked the DLA section and sent a photocopy of your DLA award letter (regardless of how old that letter was, as I assume the Blue badge team would check with DWP anyway). I re-applied for my Blue badge to be renewed a few weeks ago. I sent a photo -c
  9. Sunday 3rd September 2017, I forgot to display my Blue Badge when I parked in a Disabled space at Bluewater in Kent, obviously a genuine mistake because elsewhere in the area it is Free parking. Returning to the car I found a ticket, requiring £95 or £57 if paid within 14 days ( a bit steep either way). I appealed on-line at the PCM website at once. getting a letter this morning Thursday 7th, rejecting my appeal. Must I pay?
  10. Hi, hoping someone has some advice. While visiting family last week, my husband parked up in a disabled bay in a council car park while we took the children to the park. Parking was free for up to three hours. Blue badge and time clock displayed clearly. he drives a WAV, he has to be careful about how to park, very few car parks have spaces that are ok for WAVs. This particular car park layout meant for safely and to not cause an obstruction, he was within two BB spaces, ie making a 'through' space. We've parked there before with our previous WAV.
  11. Hi everyone, I'm new to the forums. On Sunday 30th July I attended my baby nephews baptism and celebration, which was in the town centre. There is nowhere for disabled drivers to park near the venue so I parked on a single yellow line, which I believed I was allowed to do for 3 hours. I left the car at 12.56pm by the clock in the car and set the timer for the blue badge at literally just before 1.00pm. One of my family went to move the car for me at 3.45pm and found a PCN stuck on the window screen. The contravention on the ticket says, "Parked or loading/unloading in a
  12. Hi, Received a call from unknown number just before Christmas asking me to ring a number to discuss a matter - I didn't. Today have received a letter from Redwood Collections whose number it turns out was the one I was requested to ring. Letter is below, and is all they have sent to me, but my request for assistance from CAG (legends!)is what should be my first step with dealing with them, who I have never heard of or dealt with, as yes I dispute the whole debt for myriad reasons, but I want to be seen to be doing the right thing by replying to them - wit
  13. I just received a Personal Health Report from Blue Crest Health Screening following a medical with them. The report stated I was very overweight had a Body Mass Index of 40.5 (which is high) and blood pressure as stage 2 hypertension 189/101 but the lung fuction of a 22 year old? Surprisingly they stated I had a zero risk of heart attack or stroke in the next 10 years. I couldn't believe that I read the report in detail and found they listed me as 5'4 instead of 6'1 which of course increases my BMI and risk ratio. I called Blue Crest immediately 7 days ago
  14. Hello I'm looking for advise. I live overseas for past 10 years. Yesterday at a friends address in UK where I receive my bank statements a letter arrived looking official. At my request my friend opened it. It is a Notice of Application for Attachments of Earnings Order. Judgement Creditor: Hoist Portfolio Holding 2 Limited. In the: Country Court Money Claims Centre. Amount 3,975.28 GB. The Judgement Debtor is under my maiden name and I've since been married, divorced and re-married. I have never heard of this company and no of no debt to them. They are not listed
  15. Hi guys, so over the years i've read the forums and they have helped me out greatly. Now i have something i don't think i've ever read before Bluestone credit management took me to court using banner jones, i requested the case be heard at a local court. The case was heard and i said that the case should not have even been heard since the creditor had not sent me a notice of assignment as directed under the law of property act 1925. The judge decided the claimant has 21 days to send me a notice of assignment, this turned up today, first class recorded. Now the in
  16. I have just received through the post a Notice of Enforcement (from Merton Enforcement Agents). It relates to an (unspecified) traffic offence in July 2016 which although I cannot recall committing I probably did as I was in that area on the day in question, probably caught on camera for something (it would not have been a parking offence as I was only passing through). I have no previous communication relating to this matter from the Borough of Merton: no tickets, no reminders, no recorded post. The amount owed from the original offence (which I presume would have be
  17. Hi All Blumen Cheek. I wrote to this bunch a few weeks ago requesting making lower payments etc sent recorded they signed and I have RM print out, well all hell let loose 10 mins ago within the Mr household. they took the money on the 24th? can they do this,? this has now left me short for other bills. I am thinking that maybe they went for my throat because of my request to reduce payments? I am going to cancell the dd today and send a ' strong ' e-mail and another letter, are there any quotes I need to include. Mr, Rather Angry
  18. Hi all, Hoping someone could give me some advice. I'm with OVO Energy, have been since August 2016. My tariff was £45 a month dual fuel, 2 bed semi detached house. I live with 1 other person. I cancelled my direct debit in October and made a manual payment. I couldn't set my direct debit back up on the website so I left it and made a couple of small payments here and there, intending to set it back up again. I had two statements from them, one in Nov for £32.24 and one in Dec for £31.43. A man came to read the meters a week or so ago. On my online account it says that I gave th
  19. Police can now instantly identify Blue Badge misusers SCOTLAND ONLY READ MORE HERE: http://www.scotland.police.uk/whats-happening/news/2016/january/police-can-now-instantly-identify-blue-badge-misusers
  20. Thank you to all who contributed to this forum. I have worked my way through as many post as I can, and it has helped me to calm down since getting cautioned by an inspector on the tube. It was very distressing for me and really affected my day to day activities for the first 48 hours or so. The letter that I had been expecting came today and one thing that struck me was how it does not ask me to comment on the incident. It merely asked me to fill out the form on the reverse side. It reads: 1. If you deny committing an offence, please explain why. Plea
  21. Issued today (again to 'er indoors), and altho there are 'mitigating circumstances' for her egregious lack of consideration for those less mobile, I don't wanna offer them at the moment for fear of appearing to excuse her reprehensible behaviour. It was a Morrisons car park, free to use for 2 hrs, and I'm the RK. I'm going to await the NTK as usual, but at this stage (at the risk of being a bit previous), just wanted to know the current position regarding disabled bays in private car parks, and the extent of driver ID disclosure required by law. So, 1.
  22. Please advise! My 7 year old daughter is severely impaired and she has a blue badge. We use a wheelchair adapted car. We usually park in disabled bays. On 20th of Apr 2016 we received Parking Charge Notice from Gemini, parking operator ar Rivermead Centre Reading. The PCN states that the car exceeded the 30 minutes free of charge parking with 3 minutes. They've asked a payment of 100£, 60 payable in 14 days. My opinion : 1. I thought disabled parking (public or private) are free of charge. 2. The PCN was issued on 20th of Apr for a civil offence committed on 20 t
  23. I am trying to help a relative who has received a claim out of the blue Name of the Claimant ? MFS Portfolio Ltd Date of issue 2/12/15 Date to submit defence = 4/1/16 [by 4pm 4th jan ] EDIT BY DX The claim was acknowledged online on 16/12/15 What is the claim for – The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract contract between the Defendant(s) and Lloyds Bank dated on or about Sept 23 2009 and assigned to the claimant on 29 June 2015. Particulars a/c no xxxxxx Date 10/11/15 Default balance £18k Po
  24. Hi, I am a blue badge holder and our car was parked in a private retail car park (free for all customers). A PCN was posted on the windscreen as being parked in a disabled bay without displaying the badge. AS this topic seems to be a bit of a minefield and having got no further in my decision of how to deal with this despite reading up on the subject for days, I was hoping that someone here would be able to help. As I understand it I need to wait for the NtK before proceeding but also I have read that I should appeal within the first 14 days. I do intend
  25. About two and a half years ago I had a current account with overdraft that was in credit when I used the account switching service to change to another bank after I became fed up with RBS and wanted to leave them. Today I received a letter claiming RBS have been trying to contact me as there hasn't been any money paid in to my account that RBS closed for me while in credit and transferred the credit balance to my new account with a different bank. The Sort Code of the account it is claimed I owe them money on is different from the sort code of my old RBS branch,
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