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About Me


  1. Well it seems it is going to be one of those days.Already i have put two threads out and it is only 8am. This one has caused by blood to boil.But everyone has a view,what is yours. Here is my answer to the news that - Fracking gets go-ahead in UK for first time since 2011 as North Yorkshire council approves plans. http://www.telegraph.co.uk/news/2016/05/23/north-yorkshire-council-approves-fracking-plans/ Well everyone will know what i feel about Fracking just in case it is Lancashire next by fair means or foul. Our council and people have said No quite clearly.I am now catching
  2. Hi Guys, I have recently received a letter from a collection agency demanding I pay the sum of £419.42 in relation to council tax owed to Plymouth City Council from 2011. I have sent a number of emails to Plymouth City Council asking why I owe this money. After completing my degree in 2011 I was forced to sign on and claim housing benefit as there was no suitable work available. My degree was a complete waste of money, but that's a separate issue. After sending and receiving a number of emails they have eventually told me that the reason I owe the money is down to the
  3. Can anyone offer advice please on my receiving a Court Claim for a parking charge notice from an alleged parking infringement in October 2011? Briefly the details are: In Oct 2011 I loaned my car to my brother to shift furniture for his friend. Over the years since I have received threatening letters from Excel Parking services which I have ignored as I was not the driver. I shouldn't have ignored them but I saw no reason to respond. My brother was a disabled badge holder but I am unable to determine if he used it at the time as he died in 2014. A company 'bwlegal
  4. Hi All I've had a Claim form from Northampton court today for a parking ticket from December 2011 BW Legal for EXECEL PARKING SERVICES LTD i have sent a letter previously stating that i wasn't driving at the time i'm the registered keeper but not the driver. also all the records as to who was driving have been lost due to fire damage what do i submit as a defence and i want to counter claim expenses for having to take a day off work as im self employed
  5. Name of the Claimant Hoist portfolio Date of issue – 19th may 2016 What is the claim for – 1.the claim is for the sum of £ 1653.22 in respect of monies owing under an agreement with the account no 4929xxxxxxx pursuant to the consumer credit act 1994 (CCA) the debt was legally assigned by MKDP llp(Ex Barclaycard) to the claimant and notice has been served. 2.the defendant failed to make contractual payments under the terms of the agreement, a default notice has been served upon the pursuant to s.87(1) cca 3.the claimant claims 1.the sum of
  6. Hi everyone, I'm a new user and was just wanting advice please. My car was ticketed by VCS whilst on a business park in 2011. I have never replied to any of the threatening letters that were sent out by Roxbrough etc. I assumed that the claim had been dropped but today I received a letter from BW legal. I know that anything over 6 years old is unenforceable and they are probably just "chancing" it. Would you advise getting a defence ready in case they take it to the court? Would I be able to use the defence that they cannot prove who was responsible for parking the car? Thoughts please,
  7. Hi all, I'm on a similar path to a lot of posters on the site - having received a PCN back in April 2011, which was ignored as well as the various red letters that followed, I was surprised yesterday (3rd Dec) to receive the recovery letter from BW Legal. It was a notification that 'your account has been passed to our legal team', usual £120 PCN + fees of £54. This one was for Gallowgate, Strawberry Place, Newcastle upon Tyne. I have read a lot of posts and much appreciate the advice, takes the worry away, but just to confirm, what do I do now? Ignore pending
  8. CAG Newsletter - October 2010 01 -October 2010 Newsletter.pdf CAG Newsletter - November 2010 02 - November 2010 Newsletter.pdf CAG Newsletter - December 2010 03 - December 2010 Newsletter.pdf
  9. Hello again everyone. Unfortunately l have to seek help again on this site regards a PCN that happened in August 2011. I did open a thread about it in August 2011 but no longer can find it. Yesterday l received the now popular BW legal letter acting on behalf of VCS about an outstanding balance of £174.00,[ consisting of £120.00 PCN plus their clients initial legal costs of £54.00. ]. Back in August 2011, following advice from this forum and as l wasn't the driver at the time of the PCN being issued but registered keeper, we decided to ignore the threatening letters which, eve
  10. Hi All - ok for background, In 2011 I got a parking “invoice” - It’s a private carpark in an industrial estate near the local football ground Many people park there on match days & never had any issues over a 10 year period. I thought nothing of it, but when I got back to the car that day, all the cars left in there had invoices on the car. On closer inspection, new signs had been put up since my last visit but the only one that I could have realistically seen was on the front of the entrance gate - but with the gates been wide open, I didn't notice as I drove i
  11. On the 10 May 2011 I received a PCN for staying longer than I should have in a car park at Berkeley Precinct in Sheffield. I have never entered into any correspondence with the issuing company on advice from forums and the media. I believe it was initially Parking eye but over the years I have received letters from various companies and a solicitor. The solicitor's company even rang my home. Due to not being contacted for over a year I threw away the paperwork I had received believing that it was all over. BW legal have taken over and have been offering m
  12. Hi. I have received the, seemingly standard, BW Legal £154 letter relating to a ticket received in November 2011. This "car park" was a piece of unused land just outside the centre of Sheffield which, as far as I was aware was owned by a Chinese restaurant adjacent to the land. My band was playing a gig at a pub also adjacent to the land and, as we had done many times before, we left my car on the land as we played the gig. At the end of the evening we came out to find an excel PCN slapped on the windscreen. We then discovered that there was a little car pa
  13. If you had administrative action taken against you as a result of a police caution it may be that you have grounds for a complaint. If you have now left the armed forces and had administrative action taken against you as a result of a police caution between December 2008 and September 2011, it may be that you have grounds for a complaint. The MOD has written to serving and former serving personnel because of changes to the law which took effect in December 2008 that meant such cautions should not have been taken into account after that date. However, whilst action has been taken to c
  14. Hi all, I've taken a policy with eCar insurance for an old, semi-functional rusty Mercedes (800 pounds worth) end of October 2011. It was an impulse buy of a young man with more money than sense I paid about 200 pounds premium as first payment, and it was about 100 per month afterwards. Unluckily to me, due to my taking the policy out so late in the month, the debit date was automatically set to be 27th or so, and in November it failed due to my not having that much before payday on my account. I was living between 2 addresses at the time, moving homes, and I didn't
  15. Hi hope someone can advise me, we bought a Vauxhall zafira 1.6 petrol 2011 plate in sept 2014 with a 12 months network q warranty. In January we had a engine light come on, I checked under the bonnet and noticed there was hardly any coolant in the expansion tank, I topped it up and the light went out. Took it to a local Vauxhall dealer to get it checked out, after much scratching of heads they fitted a thermostat saying the thermostat had partially closed and pressurised the system to such an extent it lost coolant through the expansion bottle. We took
  16. Hi I've gotten as much information as possible. If you need anything else then let me know. Debt was originally with Santander UK. The balance is £1130 The default on the account was 14/2/11 Hoist Portfolio/Howard Cohen co. took over the debt in Dec 2014 The CCJ was issued on 16/3/15 The CCJ was issued to my old address so I didn't have any way of addressing it as I wasn't aware of it. I can't afford to pay this in full. I could afford small payments. I've worked hard as hell to settle up most of my credit file from my stupid student days but this was one of the bigges
  17. Hi When MBNA sell a debt on to a debt collection company, in my case Moorgate, should the original defaulted MBNA record stay on my file? I had two MBNA credit cards, both defaulted in 2011 when they sold the debts on to to Moorgates, (having not missed any payments!!) yet both MBNA remain on my credit file as closed in 2011. The Moorgate accounts are on my file as well, shown as closed Feb 2015 because I've just paid them off. Should these accounts be duplicated? When First Direct sold my debt to Arrow Global the First Direct account disappeared. Thanks you
  18. Hi I have 2 overpayments currently being reccovered from my ctc these are for 2011/12 I have being disputing and complaing etc since then. I have all my sars data with parts missing have wrote complaint about missing data also contacted my mp who contacted them. What i am wondering now I have majorityof call reccords and screen shots I feel it should go to offical error, however was wondering if i should await response from ministerial complaints or carry on and submit letter of official error.
  19. http://uk.finance.yahoo.com/news/cancelled-car-insurance-could-owed-124427989.html
  20. Hi guys! This is my first post here, I am asking for advice on weather I would be entitled to an IS underpayment that i know occurred. I was recieving IS on the grounds of being estranged in 2011 after being kicked out of home. I recieve DLA at the middle rate for care and lower rate for mobility. I have a close family friend who looks after me, as I struggle with my ASD in my day to day life and have alot of social anxiety. I cannot go anywhere that is unfamiliar, it just terrifies me! However I am living in my own place, she comes quite often with meals and stuff and to do my washing etc for
  21. http://www.bbc.co.uk/news/business-20338335
  22. April 2011 while i was working in the Far east, i receive a phone call from yet another new Bank manageress, she is not happy with the way i am using my overdraft facility, she reccomends a business loan, stating it would be cheaper. i advise her that i already have a loan in place, she responds that the new loan would refinance the original loan and pay of the overdraft, it seemed fait-accompli so i arrange for the signature sheet of the new loan to be emailed to me, i sign, scan and return the form. In June this year i return back to the UK, my book keeper reccomends i look at PPI, i re
  23. Compliments of Nev - a tireless worker for the rights of motorists in the UK I have an idea that the BPA at some point claimed that there about 36,000 cases per year? Maybe someone can correct me Data (2).xls
  24. 55/12 28 June 2012 The OFT today published its Annual Report, including an estimate of the financial benefits of its activities to consumers. The report shows that last year the OFT achieved an estimated benefit to consumers of at least eight times its cost to the taxpayer - £402 million compared to £49 million. This benefit has been achieved with an eight per cent reduction in budget compared to the previous year. In the course of the year, the OFT undertook a large and varied caseload under its competition, consumer and credit enforcement powers. Amongst the cases concluded were 11 inve
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