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  1. After reading a lot of threads i want to defend this. I've already done the following. pop up on the MCOL website detailed on the claim form. . register as an individual note the long gateway number given then log in . select respond to a claim and select the start AOS box. . then using the details required from the claimform . defend all leave jurisdiction unticked. click thru to the end confirm and exit MCOL. . get a CPR 3114 request running to the solicitors type your name ONLY no need to sign anything. (will be posted to them on monday) Other details: Name of the Claimant ? - Euro parking services limited claimants Solicitors: Gladstone Solicitors Limited Date of issue – 9th Nov 2018 What is the claim for – (to note there is no registration on the letter either) The driver of the vehicle registration (the 'Vehicle') incurred the parking charge(s) on 26/08/2017 for breaching the terms of parking on the land at Lidl & travelodge The Defendant was driving the Vehicle and/or is the Keeper of the Vehicle. AND THE CLAIMANT CLAIMS £160 for Parking Charges / Damages and indemnity costs if applicable, together with interest of £14.25 pursuant to S69 of the County Courts Act 1984 at 8% pa, continuing to Judgement at £0.04 per day. What is the value of the claim? - £174.25 amount claimed, court fee £25.00, legal rep costs £50.00 Total amount £249.25 Has the claim been issued by the Private parking Company or was the PCN assigned and it is the Debt purchaser who has issued the claim ? Euro parking services Were you aware the account had been assigned – did you receive a Notice of Assignment? - Not sure what this is? Other things to note: - There is no pay and display at the car park. There is signage which states customer have "x" amount of time to park as a customer. (Going to check the time on the signage and take photo's) - I have receipt of the driver's purchase at the store - Dated 26/08/2017 with a time of 13:59 - The two photo's in the notice to keeper letter both showing the vehicle moving dated 26/08/2017 and time stamped 14:14 - I no longer own the vehicle - I tried contacting lidl but they basically told me to take it up with euro parking services. What's the best line of defence to take? -Check with the council whether they even have the planning permission? -Check the so called "contract" on the signage and use the receipt to counter the "breach"? -Provide the evidence that car was not parked as per the photos? Thanks in advance
  2. Hi, My wife attended a company meeting at the Grand Harbour Hotel, Southampton back in May of this year. Her company booked a package that included complimentary parking and a member of the hotel staff was tasked with collecting VRN's from the attendees. Unfortunately, my wife (and another lady) were somehow missed out and, as a result, she received a PCN from Parkingeye. We have appealed to Parkingeye and through POPLA, but to no avail. We have also ignored their 'gesture of goodwill' offer for us to pay £60 instead of £100. The hotel has stated, by emails on two separate occasions, that the PCN has been cancelled. However, the emails are from an intermediary member of the hotel staff and not the person who has, apparently, contacted Parkingeye. So we do not have copies of the communication to Parkingeye, or their response. We also have a copy of the hotel function sheet for that event which clearly states free parking. We received a 'Letter Before County Court Claim' from Parkingeye dated 31 October 2018, which we have responded to (in my wife's name but with my assistance). We acknowledged receipt of their letter and stated that we dispute the claim, re-stating our reasons why. My wife is due to attend another event at the same hotel next week and we are hoping that, with her being there in person, she stands a better chance of getting the information we need from the hotel concerning their PCN cancellation request. Apologies for tagging this on to another post earlier today I understand the need to start a new thread now. Any advice and guidance would be very much appreciated.
  3. Hi, I have received a letter from TFL for failing to produce a valid ticket, pass or photocard for my journey the London Underground. have asked for my side of the story and have been advised that legal proceedings may be taken against me. What happened is that I was on the tube then an inspector came on and I gave him the Oyster card that I had used for the journey. He scanned it and asked to see the railcard attached so I gave him my student railcard. He then told me that there is a greater discount on the card and asked if I have another railcard. I said that I don't. The inspector revealed that it was a privilege discount which is 75% and that I should have a privilege card to be entitled to it. he then cautioned me and started questioning me and I explained that I bought the blue Oyster card and then asked a staff member to attach my 16-25 student railcard to it. The inspector withdrew the oyster but returned my student railcard. I was told that even though it may have been a staff mistake where the wrong discount was attached, TFL can still take action against me for using a discount that I wasn't eligible for and benefitting from it. Please advise me on how to respond to their letter. Should I argue that it is not my fault that the staff made a mistake and I am not responsible to correct it. It was the staff's responsibility to check the right discount was given and there was no reason for me to assume they could not properly perform their job. Also, I could have only found out that the wrong discount was given after using the oyster and then calculating the fare I was charged, so travelling without a valid photocard was unavoidable. I didn't know that privilege discount existed, so even if I noticed that I had a greater discount, I would have still not known what is was for me to go and report it. I would appreciate any help on how to respond to this to get the best outcome possible.
  4. I am also posting the same story on other forums this is not to undermine anyone on any of these in any way, but to gauge different options and ideas that people may have when dealing with this. It could be there is stuff that may help others out across all pages and that can only be a good thing for those of us consumers being roally shafted by the establishment!!! 2007 with a growing family I took out a car loan with Welcome Finance (BIG mistake, I know. Never again!) the loan was adjusted late 2008 to reduce the payment amount and supposedly the PPI and insurances were cancelled as mis-sold. 2012 it was my belief that I was paying over the odds for a car that was vastly overinflated price, that the PPI etc although cancelled the costs were not commuted as I was expected to pay almost 12k for a car worth 4500 at purchase. so account was placed into dispute. Dispute was ignored, come march 2013 account was registered default, court threats and a CPR letter was sent requesting all documentation in march 2013. april, may 2013 further correspondence was received clearly the dispute was ignored and so was the CPR until August when the CPR was acknowledged. Nothing! at some point the account was sold to Lowells, Then Cabot, Marlin, back to Cabot but nothing was ever actioned and nothing was posted out that warranted action. As the account was in an ignored legal dispute situation but still had been registered as default and sold to 3rd parties this is a monumental breach! Finally 14/07/15 I received a letter from Cabot the account was being referred to Mortimer Clark. Same day, but postmark 15/07/15 I received a letter from Mortimer Clark stating they were instructed to take court proceedings (Nothing in the letter states clearly this is a LBA) and I was to contact them. The letters appear below Mortimer clark letter so I initially knocked up this response removed fotl rubbish letter - dx oh!.... was it not much better then, got me worried now please ignore spacing and syntax mistakes, this was a draft. Following advice on xxxxxxxx I followed this letter instead
  5. I have today received a claim from Northampton issued by Cabot in respect of a Marbles credit card which fell into arrears some months ago. Without boring everyone with my life story and the reason I am in financial turmoil but I got into the payday lending trap last year, struggling to find work and wasnt able to pay my credit cards and so earlier this year stopped paying. I did write a letter but never had a reply just started getting DC letters which I ignored and now they have issued a claim. I am shocked to be honest at how quick Marbles assigned the debt to Cabot. Advice on how to proceed would be greatly appreciated.
  6. This one is mysterious: friend of mine has a vehicle service and MOT garage business and has received a letter through the post from the Police entitled INTENTION TO PROSECUTE. The NIP (if that’s what it is) states the offence as driving a mechanically propelled vehicle without due care and attention on the public road and it lists a vehicle that was brought into the garage but they did not work on. It is addressed to the garage business and not to an individual; it says to identify the driver or any other information In short the car was brought in and there’s a note in the garage log that says ‘vehicle details and EML’ which means Engine Management Light. No invoice was raised for the vehicle and no work was carried out, it’s only a small garage and neither of the 2 mechanics drove the vehicle. One of them remembers the person bringing it in, the mechanic had a quick look and said it needed further diagnostics and gave the customer a card and the hourly rate, the Customer then left and never came back. How do they respond to this? They can’t identify the driver as no one drove the vehicle, also a notice of this kind cannot be via a camera so surely the driver was pulled over at the time? There’s no photo evidence in the letter. I reckon the car driver was pulled over by Plod, then went to the nearest garage to log a visit so he could say it wasn’t him driving.
  7. Cabot purchased a debt, the original debt was either m&s credit card or tesco credit card,i think. I have ignored all letters. I suspect its almost (if not) statute barred by now. (need to dig out files to check this) I now have received a letter before claim and reply form, from Cabots solicitors, mortimer cooke. Not sure whether to reply, is it bonafide? a scare tactic, or will no response get me a ccj? Any guidance will be very appreciated.
  8. Good Afternoon, I sent a SAR to Lantern (Formally Motormile) on the 28/09/2018 and I have today received the SAR pack back. I'm looking for some advice on what to do next as I feel all these accounts could be statute barred. I would like to give an overview of each account and what the SAR contains to see if anyone can offer some advice on what my next step should be. Account 1 Value £1170 Account Start Date- 15.06.2012 Default Date- 29.06.2012 Payments made/acknowledged - NO Contains CCA - YES Notice of Assignment- NO Account 2 Value £200 Account Start Date- 30.11.2011 Default Date- Unknown Payments made/acknowledged - NO Contains; CCA - YES Notice of Assignment- NO Chase Letters - 2 Account 3 Value £270.10 Account Start Date- 21.06.2012 Default Date- Unknown Payments made/acknowledged - NO Contains; CCA – YES (Not signed by original creditor) Notice of Assignment- NO Chase Letters - 5 Account 4 Value £250.00 Account Start Date- 02.09.2011 Default Date- 07.12.2011 Payments made/acknowledged - NO Contains; CCA – NO Notice of Assignment- NO Chase Letters – NO Statement of Account - YES Other than 2011/2012 I’ve had no other issues and everything has now dropped off my credit files, I’d just like to put this to bed. I would be grateful of any help you may be able to give. Thanks
  9. Hi All, I'm new to this forum but hope someone can help me out? I received a PCN through post yesterday from PCP enforcement agency (trading name of parkshield collection Ltd) Date of event (doesn't say offence)-30/08/2018 location - service/estate roads off anchor road,harbourside,Bristol,bs1 During period from: 22:20:55 to time of notice issue at:22:40:18 reason for issue- no valid permit Now the only problem with this notice is that I've never been to Bristol and the vehicle in question has been SORN off road for 2 years and is parked at my parents house except when it has MOT or my dad uses it for work (trade plates are then used) I have been on the agency's website to appeal but can't as I don't have notice issued obviously and there's no sign of any photographic evidence either. Not sure what to do next,write an appeal which I don't think is fair seeing as it's definitely not my fault. Any help would be much appreciated. Thank you.
  10. Weve had a telephone call from Blackhorse today to say we can cancel our PPI but our repayments on the loan wont go down due to a previous claim we made. Is this correct??? Hadituptohere
  11. Hi all. I hope you can help. My daughter received a parking fine from these fine chaps at parking sly. details listed below as requested. Thanks in advance. Name of the Claimant ? PARKING EYE LTD Date of issue – 28/03/17 What is the claim for – 1.Claim for monies outstanding from the defendant, as registered keeper, in relation to a Parking Charge, Issued 28/10/16 for parking on private land in breach of the T+C's (the contract). 2.Parking Eyes ANPR system, Monitoring Euro Garages Deeside service Station,Parkway,Deeside industrial estate, Deeside, CH5 2NN, captured vehicle ******** entering and leaving the site, overstaying the max stay time. 3.The signage , clearly displayed at the entrance to and throughout the site, states that this is private land, managed by ParkingEye Ltd, and is a max stay site, along with other T+C's by by which those who park agree to be bound. 4.In accordance with the T+C's, the Parking Charge became payable. Notice has been given under Sch 4 of the Protection of Freedoms Act 2012, making the keeper liable. Failure to update the keeper details with the DVLA resulted in the re-issuance of correspondence, permitting reduced payment. This claim is in reference to Parking Charge(s) 3822**/****** What is the value of the claim? £175.00 Has the claim been issued by the Private parking Company or was the PCN assigned and it is the Debt purchaser who has issued the claim ? Parking eye. Were you aware the account had been assigned – did you receive a Notice of Assignment? N/A
  12. Hi all, Have utilised many a thread from these sites over the years with great success. Quick summary: Usual residential gated car park, management company bought in PPC - I actually from told the management company from the get go that I did not want my bay covered by the scheme because I knew the calibre of companies they would use and being a gated car park with fobs to get in, it doesn't happen that often and if someone was to park in my space although a tad inconvenient my world would not end. My management company actually agreed to this, not before however I had received a number of fake parking tickets! Have continued to receive the occasional ticket from the same UKPC lot and my management company just has them canceled. However, there were a number of tickets they originally issued that they refused to cancel. Fast forward 6 months or so and last week I received a claim letter of them trying to claim £800 for parking in my own space! I have read many many posts and useful guides on defending, however it is still fairly daunting. I am a lease holder, in my lease I have the right to use that bay to the extent that there is even a car park diagram A3 fold out sheet with my bay highlighted. I haven't read the lease with a fine tooth comb to check if it can be varied however. The claim form claims "I will provide the defendant with separate detailed particulars within 14 days after the service of the claim form". From reading the many guides & advice they say I have to acknowledge the claim. However some guides I have read say that if they are providing particulars seperately I have to wait until they arrive and if they don't to complain to the court. My first question I guess is, do I complain to the court after acknowledging or before? If before how do I do it and ensure it is received?
  13. The letter says if I don't respond within 14 days they will take court action. The client is listed as capquest, who are a DCA, so I'm not even sure what this relates to. Am I right in assuming if i make a SAR request now, they have to complete that before they can take any action? Or should this be a CCA request? Surely a SAR would cover the CCA as well?
  14. Hi Guys, Date of Infringement : 21/08/2018 Issue Date : 23/08/2018 Date Received : 25/08/2018 Mentions Schedule 4 Protections of Freedoms Act 2012 : No Photographic Evidence : Yes, entering and leaving Have you appealed : Not yet, rang Lidl Parking Company : Athena ANPR Where : Lidl dedicated Carpark, 21 London Road, Blackwater, Surrey, GU17 9AF Operating Under : International Parking Community's Accredited Operator Scheme Permitted Stay : 1:30 Apparent Stay : 1:42:10 Hi guys, Received a named letter today. Pretty disgusted. Apparently the car was parked there for 12 minutes longer than permitted. We are regular Lidl customers and have a bank statement showing money spent during the 'offense'. Rang customer service, who weren't interested at all in helping. The letter came today, pretty upset by it, especially as money is tight at the moment. Spent time looking through newbie threads here and elsewhere, Would like to email the CEO as I see others have done this, couldn't find it though. Still unsure as to how exactly I should proceed. Any advice is really appreciated.
  15. Hello gang Looking for some advice, I received a PCN from Cambridgeshire County Council last Sunday for reason "Parked without payment of the parking charge - Code 11) I had bought a ticket for the period in question but a gust of wind it must have slipped it off the dashboard as I closed my door. I still have my ticket and I was wondering if I have a case to appeal and if there is a template you suggest I could use? I have never appealed before - never actually had a PCN before. It's for £50 but will be reduced to £25 if I pay within 14 days, which is next Sunday. Thanks for your help Jameson Thanks
  16. My vehicle was being impounded by the high court enforcement because of an unpaid contravention 34J Being in a bus lane. This was issued on 11/05/2017 and my vehicle was being impounded by Equita on 18/07/2018. Luckily I arrived to my car on time and after discussing with the officer I said I do not recall or ever heard of receiving a fine for being in a bus lane and if I did, I would always pay within 2 weeks. He checked the system and said 7 letters were sent over the period of 1 year, however I received NO letters! I am sure the address is correct where I am living, I trust everyone living in the house etc. I always receive all letters including the council, I have had PCN tickets from council before but for this particular fine nothing at all, how can this be? This forced me to pay £513 up front! The officer then giving all details needed and I was able to check the PCN online and now have the evidence of the contravention but no letters which is very strange! I will be calling council to see why letters haven't been sent but I can image they will just be saying "we have sent them" here is a video clip of the contravention that was not known to me until I caught the officer impounding my vehicle: vimeo.com/285471611 After viewing the footage I've accepted the contravention but not paying £513 as I have received no letters, what can I do about this and how could of this happened? I would be willing to go court if I fighting chance... do they not need to provide evidence for letters sent?! Plus can we not go in a bus lane to make a left turn? Thanks!
  17. Yesterday in the House of Commons, Sir Greg Knight's Private Members Bill entitled: Parking (Code of Practice) Bill received its 2nd reading. The support that he received was overwhelming (and thoroughly deserved) and the Bill now passes to the Committee stage. Rougue private parking operators have cause for concern. Yesterdays debate is worthy of reading: https://www.theyworkforyou.com/debat...ailiff#g1160.0
  18. Hello all. Claimant:District Enforcement Limited Solicitors :Gladstones Solicitors received Date of issue – 18 JUL 2018 Date to submit defence = 17th August 2018 What is the claim for – the reason they have issued the claim? 1.The driver of the vehicle registration (The Vehicle) incurred the parking charge(s) on 11/03/2018 for breaching the terms of parking on the land at Lord Mayors Drive. 2.The Defendant was driving the Vehicle and/or is the Keeper of the Vehicle. AND THE CLAIMANTS CLAIMS £130 for Parking Charges/Damages and indemnity costs if applicable, together with interest of £1.68 pursuant to s69 of County Courts Act 1984 at 8% pa, continuing to Judgment at £0.03 per day." - What is the value of the claim? £132.68
  19. Good afternoon, or is it? I returned home this afternoon to find a card small card posted through my door, from county court bailiff. I was very surprised, really, and contacted the number straight away. The bailiff answered the phone, seemed pleasant enough, and explained that the visit was in relation to a debt with Cabot finance, outstanding CCJ. He said he couldn't return today, due to having to be at a eviction! He also complained about being the only county court bailiff in the area. He said he might be able to return tomorrow, and he has some paper work for me to fill out? I have dealt with other bailiffs before over council tax, and have always found them to be very polite and reasonable and I've always been able to set up a payment plan, but I've only ever owed a few hundred pound before, this is a massive sum, and I can't afford to pay this back all at once. Anyone know what will happen when he returns tomorrow? Will he allow me to set up a payment plan? I'm so annoyed with myself, as I've literally just got myself all up to date with all my debt, a considerably small sum, but a lot to me.
  20. Hi, Hope everyone had a good bank holiday. I (and three others!) missed crap signage and got a Contractual Breach Charge from Ethical Parking on my windscreen over the weekend. Just double checking that it is currently still best to do nothing until a notice to keeper arrives (between 28 and 56 days) before I take any action on one of these? Then if it (NTK) arrives on time post photos of it and signage on here for assistance? Just don't want to get it wrong! Thanks!
  21. Hi i am looking for some advice on what to do with a court letter i have received. It is from an old credit card from Aqua which i had taken out back in 2013. The Claimant is now Arrow Global Limited who i assume has now purchased the debt. I have until 11.08.17 to reply. Issue Date: 06.07.17 Amount approx: £2288.42 Claimant: Arrow Global Limited Solicitor: Shoosmith LLP Original Creditor: Aqua Credit Card (NewDay Ltd) Particulars of Claim: The claimants are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement ('the agreement') between the claimants and Newday Ltd ("the original owner") dated 18/10/2016, the claimant acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the respondent to the original owner which were in existence as at the date of the Agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the respondent by the way of a written notice on or around 18/10/2016. The agreement between the respondent and the original owner upon which this action is based was regulated under the Consuer Credit Act 1974. Further information in relation to that agreement is contained in section D4, where we set out the sums due and the basis which the fell due. The Said contract between the original owner and the respondent is a regulated credit green in terms of section 189 of the consumer credit act 1974. it is dated 20/02/2013 and relates to a credit card issued by the original owner for Aqua credit card with the account number: xxxxxxxxxxxxxxx. on numerous occasions between 20/02/2013 and 30/01/2015 the respondent utilised the credit facility created under said agreement by purchasing goods and services on credit using the facility. It was a term of the agreement that the original owner would use statements in relation to the account on a monthly basis upon which would be stated the current balance the minimum payment which required to be made in terms of the said agreement and the date by which said payment required to be made. By the nature of the said agreement payment to be made each month fluctuated from month to month depending on use. The last payment made by the respondent thereunder was made on 27/05/2014 in the sum of £110.00. It was a term of said agreement that failure to meet and payment on a due date would render the account in default and would entitle the claimant to serve notice of default on the respondent requiring the respondent to remedy the breach within 14 day failing which the agreement would be terminated. on or around 30/01/2015 the respondent failed to make payment of a sum which had failed due and the said account thereby entered into default. A default notice was issued to the respondent on 30/01/2015. The respondent failed to remedy the default following upon service of the said notice and the account was accordingly terminated in accordance with that notice. The account remains in default. The sum due in terms of the said agreement amounts to £2288.42. The right to receive payment of the sums due in terms of the said account vests in the claimant. The form asks what documents they may bring to court to support the claim and they have listed.. A copy of the credit agreement, statements of account and notice of assignation will be produced in any defended process to follow hereon. Is the debt Statute Barred? No List any letters you have sent: None Yet Sorry for the long post but i am unsure on how to proceed with this. Should i just admit it and offer some sort of monthly payment? What would be a reasonable offer? I am not sure if they have all the original documents and no evidence was attached to the letter but as above they said the will be produced in court if i defend the case. I am not 100% sure but i think i might have signed an online credit agreement at the time so i assume they will still have a copy of this. Any advice would be much appreciated. Thanks
  22. Hi, hope someone can help. This is in regards of a 'stayed' case from August 2016 Via the County Court Business Centre. Cabot/Restons At the time I requested documents those being: 1. Agreement/Contract 2. Default Notice 3. Assignment These never arrived within the period of 12 days, then a further 30 days. I went on to deliver my defence and ultimately the case was 'Stayed' Present day: I have just received a photocopy of a credit agreement with spreadsheet statements from Cabot who now which to 'discuss the options available for this account.' My initial concern is the photocopy of the agreement, in that it has clearly had something stuck over part of the section 'YOUR SIGNATURE REQUIRED' with what clearly looks like a faxed signature of who ever was signing off on the agreement, although I am unsure if this is normal practice? Also the spreadsheet is very basic with no opening balance/closing balance or written indication to the amount of initial credit and whether this was increased/decreased over time during the period of the agreement? Per my original request during court proceedings they have not supplied 'Default Notice', 'Assignment', although I'm sure this would be a request I would make again should the 'Stay' get lifted and it goes back to court. Any help in this matter would be most appreciated. Thank you.
  23. Hi! I am new on this forum and would love some advice/guidance in what I can do. Here is the back story where the dates become quite important: I own a council property, and have done so for many years. SO set up to pay service charges to council every month of £88.96. This was setup in March 2011. Any under payments were always taken care of by a cheque at the end of the year to bring account back in line. Fast forwarding to 2017, the council have found that there was non-payment of SC between the period Jul 2017 to Dec 2017. And in light of this period of non-payment, the council also found that there was non-payment between Aug 2016 and Dec 2016. The council have said several letters were sent to my correspondence address (different to my rental property), but I never received any of the letters. If I had, I would have made payment as the funds were there. as a result, council took action in the form of legal proceedings to recover these payments. And subsequently, a CCJ was issued in June 2017. However, the court paperwork/summons were being sent to my rental property by the councils' solicitors, despite council providing my correspondence address (I have email confirmation council even admitting to this). So I had no knowledge of the CCJ in the first instance. Only last month, my family and I were trying to buy a house and upon doing credit checks, I found this CCJ to be in existence, 6 months after it had been issued. I contacted the council, who have said that they investigate and found payments were being made - by my bank as a SO ( bank statements also show this) but there was no payment reference attached to the SO's in order to correctly attribute any SC payments to my SC account. Monies were being held in a suspense account. All those 10 payments for the 2 periods above, were to have been received just without a reference to payment. I immediately, contacted the bank and asked what on earth happened and opened a complaint and told them I have received a CCJ. They investigated, and advised me that: in Aug 2016, previous SO (Mar 2011 to June 2016) was cancelled and a new SO setup in Aug 2016, just as when the arrears started. no reference was put in place when new SO was setup. I only went to the bank on Jan 10 2018 to put this in place. In light of the above, I never have gone to the bank to change any SO details because that bank account was only in relation to rental income and outgoings. there was no reason for me to go and change any details/payments of something I had in place since Mar 2011. But the main question is, what on earth happened between Jan 2017 and Jun 2017? As far as I am concerned, the council received payments with reference; which is what I asked the bank. They could not confirm nor deny this was the case other than a payment reference being put in on Jan 10 2018. Sounds very bizarre. Both the council and bank were not helping in the documents I wanted. There I did the following: Under SAR - from the council, I requested all info held on me regarding the CCJ as well as bank ledger showing payments being received by the council with payment reference in the middle period and not both periods either side; AND Under SAR - from the bank, I have asked the bank provide detailed info of all my SO's between Aug 16 and Jan 18, as well as any proof of documentation me making a change to my SO back in Aug 2016. Both are still pending and should be received no later than 2nd April 2018 under the statutory time limit. And any arrears outstanding were paid immediately by cheque to bring SC account back in line. However, my main question is, who can I claim for compensation - either parties or both? And for how much? is has left me in such a pickle because I lost a house in the process to purchase and to buy a car on finance for my business. And my insurance will be soon come for renewal which will undoubtedly be affected. Council have admitted the blunder, but not apologized, and have got in touch with their solicitor who admitted liability and will be bearing costs to take CCJ off. Do I have a claim directly against solicitor or do I have to go through council as ultimately, its their client...? As a side note, I have started a complaint through council complaints procedure, which is at stage 1 - decision of first investigation to be made by March 19th 2018. I have also opened a complaint with bank which recently closed because they were offering a mere £350 then £500 as compensation, to which I declined. Only because it felt like they were trying to close the complaint as quickly as possible in order to just satisfy my problem. I am not done with them. Sorry for the long winded post but wanted to cover everything. Any help/advice or guidance will be greatly appreciated. ​​​​​​​Jay
  24. Contravention date was the 12/3/2014 and I can barely remember at chichester college West Sussex , I’ve received a letter from zzps on behalf of Ethical parking management stating “notice of intended legal collections £150 debt unpaid” and they have given me 14 days. Contravention details: vehicle not parked in designated area. All I have is this letter, I was most likely issued a ticket at the time but I do not have it now and I have no other correspondence other than this. Am I really going to have to pay this? All tho blood out of a stone comes to mind. Any help would really be appreciated. Thank you.
  25. Hi everyone, I was wondering if anyone could advise on what I should do with regards to the following. Around 12 years ago due to various issues I found myself in debt for about 35K. I went on a DMP which for majority of creditors is still going, paying off regularly the agreed amount. About 4 years ago MBNA stopped taking the payment, I have now discovered that they sold the debt to Arrow Global. Over the past couple of weeks I have received some letters from Shoosmith on behalf of Arrow for the credit card etc. Would anyone be able to advise if I shoudl ask for a CCA on the debt (I genuinely do not know if MBNA was paid in full or not! but I am doubting even my name at the moment panic is back!) . What steps should I take? Any advice is welcome (sorry if the above does not make much sense but after 10 years of paying things back this has brought me back onto "put your head on the sand mode")....
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