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  1. Hi all, I received a County Court Claim (Northampton) 4 days ago for a couple of pre-1998 student loans that I'd successfully deferred until 2013 . My account was not in default at the time, but when Erudio took over, I decided to ignore their deferral form because of all the personal info they were demanding, and later because of all the stories I heard about their dodgy practices. long story short, I've never replied to any of their correspondence, but unfortunately I ignored a PAP from Drydens recently, and now I have a County Claim form. My address hasn't changed, but I'm guessing that they're going for a default judgement as I've never sent them anything. I intend to defend the claim, but not sure whether my ignoring their letters previously will look bad if it goes to court? Many thanks in advance for any help on this matter.
  2. Bit fed up now: Been involved with social services on and off since I was 18 due to registering as partially sighted. Never really got help from them. In December, I had a meeting with my then social worker and a friend. (the friend was there to help me - I can't always explain myself) I was then passed on to someone else and this is where the problems began. She thought it was ok to take me to noisy places, despite having hypersensitive hearing. (Hyperacusis) She can't understand that I need at least 24 hours notice. Or that I can't deal with strange people. I asked her to come to a meeting with me at college. This ended with her and "disability support" both suggesting that my psychiatrist is a liar and that I don't have Autism; but have anxiety instead and that counselling would solve this issue. No-one has ever diagnosed or even suggested I have anxiety. She then took me somewhere, which I wasn't happy with; as it was with a large group of strange people. I was then given a lecture on how I have to get a job. Bear in mind that DWP / ATOS have declared me unfit for work and have placed me in the support group. The letter from DWP says I don't have to look for work. She then told me I have to meet someone and without my permission, passed my mobile number on. I was then contacted and asked about an appointment I suggested a date and wasn't given a response. I was then sent a text message 25 minutes before this appointment asking me if we're still meeting today. There were 2 weeks between the message I sent and the appointment. Call me unreasonable; but is it too much to ask for someone to confirm an appointment and give me more than 25 minutes notice? Around this time, I started getting ill and was having a load of personal issues. (I was being harassed) I had to keep putting appointments off and was sent an email. This email basically told me if you don't meet me on Wednesday, I am not working with you. Am I not allowed a life? I'd made plans with friends to do stuff. My social worker then left. After this, I sent an email to social services explaining what happened and received a phone call where I was asked to identify my care needs. Something I am not able to do. I also have a few complex medical conditions. She informed me that she's my new social worker. I received an email yesterday regarding a meeting next Monday. Except, I can't make it. I have no way of getting there and don't know the area at all. The response to me saying that was, being told the name of the road. That still means nothing to me. I have a vague idea where it is; but it's about 7 miles away with no direct bus route. The closest bus that would take me there, involves a 30 minute walk to a strange place. I am getting fed up now. I am constantly being put with people who don't understand my needs and think doing things to me that hurt is ok. I have explained time and time again that noise hurts and that I can't deal with strange people. But no-one's listening to me.
  3. Following the TSB website issues back in April I wrote a letter requesting to close my Classic Plus Account, this letter was never acknowledged! even providing valid reasons why I want to close the account, in the end I withdrew all funds out and transfered to my main account with another bank, so the TSB balance stands at zero I have made several complaints to TSB online, all i recieve is a bog standard letter every so often saying please bear with us as we are dealing with your complaint one letter from TSB i received had another customers letter included!! how shoddy!! Its now July and ive decided to pursue my issues through the Financial Ombudsman Service who apparently can close the TSB on my behalf Its a shoddy, badly run bank, which I have lost all faith in, and from my experience couldnt care less about me from the way Ive been treated
  4. Hey guys, I got issued a parking charge notice in January for parking in a visitor space without a permit in Brighton in a flat block. Was not aware that you needed permit for visitor space to. There was 2 small signs around car park which I barely even noticed as writing was small. My friend who lived in flats above told me to ignore it as there is nothing they can do. So I did. The sign has the Ethical parking ltd name on. Now got a debt collector letter which says they will suggest their client takes me to court. I don't have original parking charge notice that was put on car as I threw it away as thought I wouldn't need it. Would this affect me if it went to court? Shall I carry on ignoring them? Should I ask them for prove of parking as I don't remember getting sent a picture of car in bay? Should I just pay £160 parking charge notice ? I have till the 4th to pay the parking charge notice to debt collector before they suggest client goes to court.
  5. Having been a loyal customer over a number of years every time I wanted to hire a car on holiday. When we were needing car hire from Stuttgart Airport to take us down to the Black forest I contacted Rental Cars. Com for a quote. They quoted a price I found acceptable and booked our hire car, this I found was through a supplier called Europcar. When we arrived at their airport rental desk the lady spoke poor English and after between us completing our hire agreement, she drew on a map to direct us to find our car a long walk away across the airport dragging two large cases and two cabin cases. I had requested a Sat Nav which I found still talking to me in German! I managed as it was built in to find a way to switch the language to English and we set off for our booked overnight stay in Stuttgart. After breakfast it was time to head off to our apartment in the black forest, and as we got onto the A8 and started to travel faster I noticed a smell of burning from the boot area but decided as it didn't get any stronger it may be the cat exhaust as I had not driven this make of car before. Fast forward to 2 days later now in the Black Forest this smell appeared again so I decided best to ring and tell Europcar of my smell and concerns of was this car safe to drive. The supplied number rang and was answered by a recorded German message which I didn't understand and after repeating it I was disconnected! So I left it and continued driving on our holiday and the smell again vanished. The day before we were due to leave the smell returned in the evening as I parked up. The following morning I went to the car to load the luggage in and couldn't open it, so this time I searched the internet for another number for Europcar. Rang it got answered and after finding some one who spoke English reported my problem and was told I needed to ring the other number as I was speaking to sales. When I explained he told me he would call them explain and get them to call me by someone that spoke English. They rang told me to remove a plastic handle insert so I could open the car with the key. Luckily I tried to start the engine as it was the battery that was dead, so I was told a local garage would be sent. One hour later this non speaking german man arrived started the car with a machine and passed me a piece of paper saying follow me to garage to check car! When we got to garage the owner appeared saying how you paying please? I told him to call this number which he did after asking us to both get out in the cold, and sitting in the car while he rang, he pushed a number before it disconnected him and he said will call back? After what seemed to be ages standing in the cold his phone rang he spoke in German he got out the car said ok and walked away. So we left and travelled back down the A8 to Stuttgart airport with this smell of burning still. I took a safety risk assessment not to go into a garage to bring the hire car back to full as it was meant to be returned. When we returned the car again I tried to tell the guy there was a fault and not to hire it out again before it had been checked but he didn't understand and just said ok go? I immediately rang Rentalcars.com to tell them of the problem and why i had not refilled the car and to contact Europcar urgently. I was requested to put all this in an email on my return which I did? Fast forward to three weeks later I am given a one day rental refund and told over the phone and confirmed by email that there would be no further charges due and the matter was now closed by Europcar so there would be no need to change my credit card number Europcar had. Three months later Europcar charged my credit card £83 which is for fuel and a penalty charge for returning the car not full as per their contract! After again contacting Rentalcars.com and sending emails too and throw I have never been given that money by either Europcar or Rentalcars.com so needless to say I am no longer a customer and I wanted to share this to warn others as this is a story that couldn't be made up I promise you! Thank You Soundguy:shock:
  6. Hi there, I've been fined on the 16/07 with a contravention code 01 (parked in a restricted street during prescibred hours) while unloading my van as I'm a delivery man. On that day when I arrived home I went to the Lambeth Council website and had filled the form to challenge the PCN which was corrected sent as I received an email back with a reference number and saying they would respond within 28 days. Today I received a "Notice to Owner" to pay £130 and my question is, is this normal? I will challenge again this PCN but they should have send me a letter/email with the result of my 1st challenge right? Should I mention on this challenge that my first challenge wasn't considered and if I lose I shouldn't be paying £130 as the first PCN had just £60 to pay. Grateful for your attention TB
  7. I have about £1400 of student debt from loans I had in 95,96 and 97. I've always been able to defer. Given that Erudio are taking housing benefit, maintenance, etc. into their calculations that takes me over their income threshold. I sent back the old style SLC forms with a letter stating my concerns and requesting clarification over the new form. They ignored the letter and just sent me another copy of their form. My deferrment period is now up and they've since begun to take payments from my account - without any notice of how much and for how long. It appears they've worked out that I need to repay them back over the year and have taken about £110 this month. From what I'd read about repayments I was expecting repayments to be related to a 60 month period. What will happen if I cancel my direct debit? My credit report has only just got out of the red and I don't want them to ruin my credit rating again. Can they really take my housing benefit etc into consideration in their calculation of eligibility for repayments? I'm currently not working so I have no earned income. I always understood that to be eligible for repayments I had to be earning a wage in excess of £20k In the past when I was working part time I never earned enough to have to pay my student loan off. Even so, following a divorce settlement I paid over £3000 of it off when I didn't have to. So I feel really gutted now that I appear to be being forced to repay money to a DCA. I'd like to just cancel my direct debit and just forget about them. Is that possible?
  8. Having received court paperwork from hoist portfolio holding for a old HSBC overdraft And loan all merged into one account. Sent hoist solicitors a CPR request After hearing nothing submitted a holding defence I now have notice of proposed allocation to small claims track Do I need to tick no to small claims track being appropriate as they have failed with CPR request Can only find conflicting information looking online about what to put:boxing:
  9. Wrote a letter of complaint to Lloyds Bank on the 4th February 2016, letter was headed “Formal Complaint” and was sent to Gresham Street. I did not send by recorded delivery but did obtain proof of posting, I have had no response whatever. What should be my next step. Many thanks
  10. Several months ago I received a court summons for Joe Smith, my name is Yux Smith — apart from the name, everything else is correct. I wrongfully ignored this summons and have since moved from this address. Could I face any repercussions for acting this way?
  11. Like it says. I won't go into detail and I won't enter into any further correpondence but, because of the reception I got for suggestions of sound advice and places where more specialist support could be found - and the debacle in that particular thread that has been unfolding since - I no longer wish to be associated in any way with CAG forums. I dare say the quality of support is, in general, excellent but I have had enough of the hostility here for my positive contribution on the subject I hold close. Interestingly, I now note there have been historically other people here, in a similar situation while pursuing a similar topic, who have been subject to the same treatment and have felt the need to react similarly, all of which which only serves to highlight the questions I have over the reliability and impartiality of advice given on this site. I have requested my membership be deleted on two occasions via the "contact us" facility in my profile but have not even had an acknowledgement, hence the ironic and unfortunate need to make this request, to an organisation championing a Consumer Rights, publically via their own consumer rights forum. Can a mod please action? Good bye Thudd
  12. Bought a sofa which has a very strong chemical smell which is affecting my health after 2 months and I put in a section 75 claim but Santander are dragging their feet!! I told them that I'll get a couple of written reports from upholsterers but they won't accept that!! What to do next please
  13. If you search about this online you'll find a lot of interesting things but nothing really that clarifies it 100%. Some people claim they have been successful getting prime credit cards etc with defaults over 3 years old while others say it's simply not true. I've read that "most lenders perform what is known as a 3yr search so if you're clean for the last 3yrs it will go unnoticed totally, if you had missed payments or something bad they would perform a full 6yr search and see it" The reason I am interested is because I have a default that will be 3 years old in a few weeks and am wondering whether I should wait for this before I apply for a student credit card? And if so will it be ok to apply the exact day the default is 3 years old or wait a further few days/weeks? Any advice would be appreciated
  14. Hi all, A few weeks back I received a PCN from CP Plus for overstaying my welcome at the Moto Dinnington Services. I appealed their decision via a rather lengthy letter that I sent to them via recorded delivery a couple of weeks back (can't remember the exact date without logging onto my computer at work and finding the serial number). I know they received it as it was signed for. This morning I received a 'Legal Action Pending' notice asking for £140 with no mention of my appeal! Why have they ignored it and what are my next steps to sort this out? Is this grounds for cancellation of the PCN? Thanks for your help in advance!
  15. Guys I need some advice please. Myself and a female friend went down to London for 9th March to paint at jam called Femme Fierce. We purchased tickets that included a tshirt and a goodie bag for £11.25. When the jam was finished we weren’t given the tshirts or bags as apparently “there wasn’t enough time to hand them out” even though everyone was standing about. After two months, we’ve still not received our tshirts or a refund, despite being promised they would be posted out within a week and we’re being properly ignored by the organiser. Basically most of the writers and artists paid extra for these tshirts, about 100 people (that’s £1000 to her – not included in the £1.25 to paint in a LEGAL tunnel!). She’s just ignoring all of us, but she’s online uploading photos of her latest jams and going to events. A few of us have asked for refunds and still nothing. This is an utter joke, people shouldn’t be able to get away with ignoring people that they used to advertise an event and got recognition because of said event. Basically we’ve all been ripped off. Does anyone know if I can do anything about this?
  16. Hi, I have received various letters over the last couple of years, very sparingly, regarding a barclaycard debt. I started by calling them and telling them I've never had one, they would go away, months would pass then the letters would start again, this was with Marlin Capital Europe. On one of the calls I said this was quite simple to resolve, prove it, send me the agreement that I signed, knowing that they couldn't, thought this would end it. They sent me an A4 sheet of paper with one line of text and a Dollar figure right at the top of the paper and nothing else on the paper not even there name and address, this was years ago. I phoned them and said you have got to be joking. I got no where with the person I was talking to, so just hung up. Eventually I just ignored them. Years passed. Then I got letters from another company Mortimer Clarke Solicitors last year, I contacted them, they said it was an online setup and gave me the email address. I stopped using that email address years ago as it kept getting hacked and sending emails out to all my contacts. Same thing happend, I'd talk to them, then nothing for ages then it all starts again as though we have never spoken. I then decided to use the templates on here to request the CCA to prove it. Thought that sounded quite simple. Sent off my letter using the template on here, sent in my £1 postal order. Heard nothing from them and that was a few months ago, now out of the blue this County Court Claim form has turned up stating Egg Banking as the original company not Barclaycard. The amount they always said I owed was £8,268.30, the CC Claim form is for £12,18.28 plus £410 Court Fee plus £100 Solicitors costs, totalling £12,696.28. The form also says the original agreement between me and Egg was on or around 31/10/2007 which sounds a bit strange, don't they know! My original letter requesting the CCA was 10th September 2014. Once again nothing happens for months then they start, but this time it has got serious. I thought that when you send that CCA letter the claim was in dispute and therefore no legal proceedings could be brought until it was resolved. Obviously I was wrong. Can anyone help me, I don't know what to do next, I have this County Court form and it says 14 days to respond. Thank you.
  17. My professional body has written today to say they no longer support me. I an self employed. This is because in December I challenged many ways where I believed they were no adhering to their code of behaviour. The result of their ban means I cannot get letters of support needed to be able to carry out my work. They have applied these sanctions without advising me as to why and offering me a right to appeal. The Chair of Trustees also went behind my back to ask others whether I was mentally ill or not. Any thoughts on how to move forward. They have refused to answer e-mails for the past three weeks.
  18. Hi , We have been issued with a window ticket in a free car park of an entertainment complex with lots of restaurant's etc as we where ," observed leaving site". We did leave for 30 minutes on arrival but returned to visit the arcades . I am wondering do we appeal now or do we wait until they make contact with us. I have read several posts on here, but still not sure of the correct protocol for this . The husband is out taking a photo of the signage now to see if that will aid our appeal. Also if someone watched us walk away, would they have been permitted to take a video/photo to support their ticket? or does it come down to their word against ours? and finally how do I go about finding out who owns the land that UKCPS work for?. Please feel free to point me in the direction of a past post that may cover all my questions. Thanks for your help in this matter
  19. An old debt, now owned by Marlin, resurfaced earlier this year. They issued a claim in May. I wasn't sure I remembered it at first (it was an old HSBC account) and the information suggested it was over the 6 years anyway. I put in a defence to this effect and they sent me information to confirm the debt was still active. I ignored this and they did nothing more within the 28 days they are allowed. Subsequently, they applied for the stay to be lifted and defence struck out, which was transferred to my local court and I put in an admission and requested time to pay (£5 per month- I have no income of my own). I couldn't attend court. I just received the judgement, which gives me until December 11th to pay in full and has added £1100 for costs. There is no mention of my offer to pay, which is what concerns me most. I also think the costs are ridiculous, especially since they are the ones that failed to meet the first deadline. The debt amount was £2000. My question is what should I do now? Do I assume that the offer to pay was missed and put in a new application? Is there anything to be done about the costs? Thanks.
  20. Hi I need some help please my (friend's) wife and her husband have a debt from an old business associate (long story) - long and short of it they now have a high court writ for just over £24k. I have been to the court twice to get it set aside 1) they are both on income based JSA 2) medical grounds / vulnerability - both of which were rejected as the claimant should be given the opportunity to get the money back by way of the sheriffs so the writ still stands. I spoke to CAB and stepchange and both have agreed that bankruptcy is the way forward (although they have to wait over 8 weeks to try and get the £1050 grant from british gas!) however they still need to deal with the sheriffs for the wife's sake! I sent the following letter to them: To: The Sheriffs Office Date: 26th November 2014 Dear Sirs, Re: ************************************* Account reference: ************* Claim Number: ************* We refer to your letter dated 14/11/2014 informing us that your company have been instructed by *************High Court to enforce a High Court Writ against *************, in respect of Writ Claim Number *************. In your letter you state that you will be visiting/returning to our home to remove our goods unless full payment of £24,125.47 is made by 17/11/2014. The purpose of this letter is to advise your company that we believe that our circumstances fall within the category as contained within the National Standards for Enforcement Agents of “vulnerable situations”. The reason for this is that: • ************* are in receipt of Income Based JSA (see attached proof of claim) • ************* is in long term ill health with High Blood Pressure, Severe Anxiety & Hypertension which escalates when she gets anxious (see attached proof of medical evidence) • *************’s relative passed away on 3rd November and was laid to rest on 12/11/2014 (see attached proof of cremation service) Accordingly, we would like to request that you do not visit our property & would refrain from calling our phone and that you would converse via letter / email as this would cause undue stress and anxiety. Instead, we would like to request that you return this case back to the claimant / high court. We would be grateful if you could confirm safe receipt of this letter, and confirmation that the case returned to the claimant / high court. We have received advice from StepChange Debt Charity to help solve my debt problem. We are in financial difficulties at the moment and not able to meet my normal monthly payments. We will make a monthly payment of whatever we can afford until more money is available. We have enclosed our monthly budget and a list of creditors. After paying our household bills, we can pay you £1. We will pay this each month and tell you when our circumstances change. We will continue working with StepChange Debt Charity to improve our circumstances and find a more permanent solution to repay our debt. In the meantime, please consider reducing or stopping interest or any other charges on our account to help us during our financial difficulties. We have retained a copy of this letter for future reference. Yours Faithfully, ************* By which they have now replied: Dear Sir/Madam, Re: ********** -v- ********** ********** Claim Number: ********** Thank you for your email dated 26th November. We have noted our system accordingly. Please note your token offer to pay £1.00 per month has been rejected. We require you to submit reasonable payment proposals to us. Please note this is a high priority debt and as such we require revised proposals to be submitted within 3 days. We would confirm the balance currently stands at £24,183.76 with daily interest being applied. We await hearing from you in due course. Yours faithfully, The Sheriffs Office This is her Dr's letter that accompanied the original letter: ********* is registered with our practice since 1994 and i am one of the GPs she consults. She suffers from Anxiety and Hypertension Over the past 12 months she has been suffering from severe anxiety and is on three lots of medication to help her anxiety symptoms she also has been having high blood pressure which escalates when she gets anxious Yours sincerely Dr ********* What are the other choices? they cant pay anymore than max £4 per month - they have over£15k of other debt (unsecured various) - the main debt is this one but they also have rent and c/tax debt too which i thought were priority debts - not this one? I'm going to write back saying they can only pay a max of £4 a mth - they have seen our financial statement and believe me they haven't got anything else! - they even asked the CAB if they should just let them in to see but they advised not to!? Any other suggestions please? they are getting desperate now and this is putting more and more stress on his wife which is not good for her health! Thanks in advance - play the devils advocate as much as you like - i can take it ive thought of everything as far as i can tell and I just dont know where to turn!
  21. Morning all, I sent off a CCA Request to NatWest around mid-March that was signed for at their Birmingham office on 17/03/2014 - that request included the £1 statutory fee in the form of a postal order. I have kept the tracking number for this item and have the surname of the signatory. I have since received notification that my debt has been passed on to a company called APEX, who were actually surprisingly helpful when I rang them. They've advised me to get back in touch with NatWest and in the mean time they will ensure they don't bombard me with calls and letters. When ringing the NatWest call centre, they seemed baffled at my request and insisted on treating me like a standard collections customer who just doesn't want to pay. Even after explaining that I have submitted a CCA request, they continued to say I need to contact APEX. Note, I did not send a follow up letter because I wrongly assumed that my initial letter regarding the debt had led them to drop the matter as I had received no further contact since last week when I received the APEX notification. Just wondering the best way to go about this now, as I am keen to ensure there are no adverse credit score implications. Thanks in advance.
  22. Hi, I am new on here and hope you good people can help please. I received the fine due to not displaying a new permit at my place of work. The old one had expired and was out of date by 3 or 4 weeks. We used to get notification at the same time every year to remind staff of permit expiry but this no longer happens. At the time of expiry, due to illness, I was not able to drive my car to work anyway and travelled by public transport for a couple of weeks. When i returned to work in the car, I had no idea that my permit was out of date. The parking company had been operating for a few weeks when I got the ticket and when I queried it with my company they said that there was nothing they could do as they do not get involved whatsoever. Their mantra is that they brought this parking company in to stop all the people who were parking there when they had no right to do so and I totally concur with that. However, it was obvious that I was a staff member who had just forgotton to renew a nd I feel that the parking company could have checked it out. If my car had not displayed any pass at all, then I would have held my hands up. I ignored letters from the parking company because by the time I received them, one parent had started cancer treatment and when they were recovering from that, the other parent had an accident. A very stressful time and is still ongoing. By the time I got round to looking at these letters, it was too late to appeal so I buried them away hoping that the whole thing would go away. Now I have received a Notice of intended court action from a debt recovery company for £150, totally out of proportion to what the original parking charge is. They say they will get the parking co.'s solicitor to commence court action against me if I don't pay and (this is the most worrying thing) they say that a court judgement against me could seriously affect my ability to obtain credit in the future. I will also have to pay their costs including 8% interest. Surely a court judgment would only affect your credit if you didn't pay any court judgement? Are they allowed to make these statements if they are misleading? Please would anyone be able to advise me what is the best course of action for me now? I am not frightened about going to court as I have successfully brought 3 cases in the small claims court previously and won. However, defending this case will be a whole different ball game I know. What I am frightened of is getting a bad mark against my credit record which is exemplary and also my work finding out about all this. I know there are lots of threads on this forum about similar sorts of things and I have spent a long time trying to read them all but I can't find anything similar to mine. Thanks if anyone can help.
  23. Hi I am hoping someone may be able to give me some advice on a Parking Charge Notice I have received from Civil Enforcement Ltd. I had watched the Watchdog programme a long while ago that said to ignore these if you receive them. I then received the second letter that says about Section 4 and that the owner of the car is liable for the charge. Having now read through the forums I can see that I should have raised a appeal through POPLA, but there has been too much time since the first letter arrive. Can I carry on ignoring these letters?
  24. Hi all New to the forums here. Back in march this year I parked my motorbike in the Cardiff NCP car park overnight without purchasing a ticket, and came back the next day with a penalty charge notice on my wind shield. Now when I got to the car park originally, I hopped off my bike, read through every sign that they had up, looked around for an attendant and there was none - even at the office. I was looking for any sort of information on parking motorbikes (they had no designated bike area) but there was none. Being anal about it I called them on the 0845 customer services number, spoke to a guy who spoke with his manager whilst putting me on hold and then confirmed I do not need to pay as it's a motorcycle. I told him which car park I was located at, and also confirmed with him that I should park my bike in a car bay. So I thought this would be bullet proof, certainly now I won't come back to a ticket. But I did. £30 within 14 days or £60 thereafter. Of course I refused to pay it - now this is where I imagine the facepalms and headshakes will happen. I sent an appeal to NCP as per the notice said, detailing how I spoke with a gentlemen on this number, at this time and this was discussed. The calls were recorded according to the 0845 greeting. They declined my appeal on the basis that I parked in a pay and display car park without clearly displaying a ticket. I felt like exploding. I didn't appeal to POPLA as by that point I didn't want NCP getting hold of my information ( I gave false contact details to NCP). But as it was on CCTV the DVLA were more than happy to hand over my details, I later found. So I received a series of letters which I ignored, telling me how debt recovery would be given the case and eventually Debt Recovery Plus Ltd have taken over and are sending me notice's for now in excess of £100. Again I ignored these, the last one I ignored was a letter saying a reduced amount of £110 is payable if I pay before 12/11/2013. I didn't. And since then I have moved address and not told the DVLA. Not sure if I've received any more letters. I want to get this burden off my back now, it's starting to stress me out as I'm worrying over the thought of having debt and a CCJ, now that I've moved into a place I can hardly afford. Is there anybody who can advise me on this situation? There's absolutely no advise I can find on motorcycle parking and what my rights are. Thank you so much for reading. Dale
  25. Hello I sent Vanquis a SAR from a template on here on19th September 2012 by recorded delivery giving them 40 days to reply.. I hadn't heard anything by 8th November so sent a failure to respond letter threatening court action by recorded delivery on 8th nov asking for a response within 7 days . (Also from a template on here) It is now 21st November and i have not heard a peep out of them. What happens now? Many thanks Hayley
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