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  1. Hi, I'm new to the forum, but have been a long time lurker. First of all apologies for how long winded this is, but I hope I include all the relevant information. Alleged card debt from card taken out in 1998. Alleged debt approx £5k. Card sold to IDEM Capital Securities August 2012 Alleged Card default August 2013. Idem Capital Securities assigned alleged debt to Arrow Global November 2015 About three years ago I received multiple claims for alleged credit card debts, and with the help of this forum managed to get one claim dropped and ended, one victory in court and a few claims stayed, so thanks for the help there! Anyway, one of them doesn't appear to have gone away, and Shoosmiths appear to be applying to Northampton County Court to get a stay lifted and have my previous defence struck out pursuant to CPR 3.4 and obtain summary judgement pursuant to CPR 24.2 they claim I have no grounds for defending the claim. This was my original defence: So my defence was submitted, along with two other defences on the same date. Nothing further was received from Shoosmiths or the courts, and the claims were stayed. I should have asked to have them struck out, but I wasn't fully aware of the procedures, and couldn't afford to pay anything to the courts. So roll on two years and three months, and Shoosmiths start writing to me again, saying they did not receive my original CCA request or CPR18 letter in 2016 (funny how two more were received, and returned, and they were all sent in the same recorded delivery envelope!) They now claim they have provided all of the relevant information, and I still dispute this. Their alleged agreement is an application form for a card around the time I had allegedly taken out a few credit cards. Their "terms and conditions" is a reconstituted partial list, it even says for items X,Y,Z refer to your terms and conditions! They then have another set of terms including MBNA web address details, the web address didn't exist in 1998! Their letters also refer to one credit card number, then it changes to a new card number that they have assigned, which to me just points to multiple pieces of incorrect or fabricated information. I chose to ignore all of this further correspondence, as the claim was stayed. Then earlier this week, they have sent a further copy of this "information" along with a covering letter to me as follows: This covering letter includes a copy of their N244 Application Notice to lift the stay and all previously submitted information. Again, apologies for the long winded post, but I ask, how should I either try to stop this dead, or again defend? I am actually happy to attend court if it comes to that. I read on one of the other threads that this could be submitted. Would I be able to use it as a reply, as it has taken them over two years to get incorrect information that they think they can use in court? If anyone can reply, I'd like to say thanks now, and I will be extremely grateful. Will come back with the results.
  2. Hi, I would greatly appreciate some assistance with this parking issue. Apologies that this is a bit long – have tried to summarise it. I live in a cul-de-sac (close) and until a few years ago the local authority tried to CPZ the close but found that it was private land belonging to my housing association. It is a small close with bays that residents park in. The local authority persuaded my housing association to get a private parking contractor which caused an almighty confusion between the residents and the housing association. To cut a long story short, PEA Parking got the contract. Signs were erected and one letter sent out about registering with PEA for a virtual permit. The housing association then stated that they would not get involved in any disputes with parking and disowned themselves from the matter. At that time, my son had a blue badge and I was given a mobile permit that I could put in my windscreen when parked. My car broke down on the close and I purchase another second hand one and informed the local housing office of the events of then I would be disposing of the old car. The then housing officer emailed PEA and c.c'd me into the email. Around the end of 2016 my housing association informed us of a consultation of merging with another housing association and this would be on-going for a while. Unbeknownst to us, the local office closed down as staff was restructured, no phones were answered for months - office telephone numbers were changed and all we were getting were mail shots about the merger continuing. At the same time, my permit expired and there was no appearance from PEA so we the residents assumed that they no longer had the contract - I had left my car outside my door for months when on leave and saw no parking contractor - let alone not being able to get through to head office to query where the new local office was. On 15 May 2018, I had a medical appointment for a minor op. I returned home and to my surprise and horror found a Parking Charge Notice on my windscreen. I was shocked as they had not patrolled the close for over 1 year and even the neighbours were sure they were no longer the contractors and felt that when a new one got the contract, we would be informed. I appealed and sent evidence on the 28 May 2018 on the following grounds: 1. The Notice mentions the old housing association's (landlord) name which no longer exists. 2. My letter from my housing association dated 15 January 2018 re 'Change of Landlord' the old landlord ceased to exist on the 2 January 2018. 3. Letter confirming that I pay service charges for the maintenance of the car park so can park in the bay. 4. Their Notice is difficult to read as dyslexic and font is very small. PEA acknowledged receipt of my appeal on the 1 June 2018 stating that if I do not hear within 14 days – do not assume it has been cancelled. I had to contact the British Parking Association who stated that I should have had a decision within 36 days and they would contact them. I emailed PEA on the 12 July 2018 for a decision/POPLA reference number. PEA replied on 19 July 2018 – appeal rejected on the following grounds: - No displaying a valid permit and warning signs etc. - My old landlord still exists as the rebranding with the new landlord has not yet been completed. The parking restriction times were between 10.00am – 2.00pm Monday to Friday. There has been no written confirmation from PEA or the new landlord to confirm that they will continue to have the contract nor had I been contacted on the expiry of my son’s disabled mobile permit to change it to the virtual permit. Where do I stand? Any information appreciated.
  3. First thing I've heard on this EDF account in quite some time, seems Lowell now have their grubby fingers on it! Received the attached two letters (in the same envelope) - one from EDF, the other from Lowell. Pretty standard looking letters. My gut tells me to ignore until such time as they send a Letter of Claim. If/when they do then put them to task in terms of following the pre-action protocols. Just wondered what the current thinking is in regards to engaging or not at this stage? My position is that I do not acknowledge the alleged debt and they will not be receiving any payments at any point, now or in the future. Thanks edf-01.pdf lowell-edf-01.pdf
  4. Hi all, Was wondering if someone could help me on an a statute barred query. Lowell have been chasing me for an alleged LLOYDS debt on and off for a couple years. Details… Date of last payment on account January 2012. The account was an overdraft, and already in arrears exceeding its limit at this point. No payment or acknowledgement has been made since. Value is roughly £1500. A default was then recorded on my credit file on 01/07/2012. Now, I would assume COA would be somewhere between the January and the actual date of recorded default. If this is the case, this debt is very likely already SB. However, after having read about Lowell I am almost certain they will argue the default date of 01/07/12 is the relevant date if I send a SB letter and I’d rather not get into any communication with these fools unless 100% sure. Basically, in 1 month the default will completely disappear off my credit file and it will be 100% certain SB. My concern is they will be wise to this and try to pursue a CCJ at the last minute. What’s confusing is my last couple of letters have come in the form of discounted settlement offers. The wording has been “before we take legal action, we would like to offer you” - firstly 20%, then 30%, then 40%. This confuses me, initially I assumed this is because they are somehow aware due of the timeframe of the alleged debt being a lost cause and are trying anything and everything. Or is there a chance they will all of a sudden withdraw these offers go straight in for a full claim? If so, then why have they not done this already if they stand to recover the full amount? Am I being naïve? I am just looking for some overall advise on how to deal with this situation. Shall I wait it out with zero contact? Shall I send a prove it letter to keep them busy for a while? Thanks Will
  5. I spoke to HMRC this morning about this issue. Before sending them the letter they have requested, I thought I'd see if anyone here has any helpful advice... Earlier this year (March) they sent me two tax calculation notices, for 2014-15 and 2015-16, which claim I underpaid tax. The sums involved are c. £150 and c. £1500 respectively. I received a rebate from them for those amounts in those years. Due to the nature of my work, I nearly always receive a rebate so when these arrived I thought nothing of them. Banked the cheques and spent the money, like I always do. I contacted them in April this year to ask why they thought I should pay back the money which THEY had refunded to me, apparently in error. They advised me to write in explaining that I always get these rebates and had had no reason to expect that these were not, like the others, legitimate . I did so and heard nothing. Having recently moved and enjoying a morning of sorting various outstanding pieces of administration, I called them today for an update. Today I was told that the error results from my having worked on a temporary national insurance number at a past employer and my accounts having been merged. I have every payslip from this employer which clearly show my normal, non-temporary national insurance number. The advisor was forced to concede that this being the case, I would have had absolutely no way of knowing that something was not right, despite her repeated claims that it is my responsibility to ensure my tax affairs are in order. I asked repeatedly what I should or could have done differently and when but no proper answers were given. I am now on maternity leave and so it seems they have essentially put off dealing with this until next year (2018-19) at which point they intend to collect the 'underpaid' sums through my tax code. This will likely make it not worth my while to go to work at all, once other deductions and expenses such as commuting and childcare have been taken into account. I would likely be better off claiming whatever benefits I would be entitled to as an unwaged, non-tax payer. This being the case, they would send me a self assessment and if I didn't pay, refer me to debt collectors, according to the advisor I spoke with today. The advisor I spoke with was insistent that it is my responsibility to pay back the money as it is tax I owe. I obviously feel very strongly that I should not be expected to compensate for mistakes made by other individuals or organisations. As no-one can explain what I could or should have done differently, I'm finding it hard to accept that any mistake was made by me. Does anyone have any experience of this, or advice?
  6. Hello, I am new to this site and need help on the following – I know it is not legal advice just educated opinions, but any help would be great. This refers to a disputed credit card debt (Halifax/BOS) that was defaulted back in January 2012 (over 6 years ago). In September 2014 the debt was sold on to a debt collection company (1st Credit). I wrote to the debt collection company back then with the following statement: Should you provide sufficient evidence that I owe your organisation or your client any outstanding amount and that you can provide proof that they have assigned you agency, I should be happy to pay any verified claim in full. I have continuously asked for proof of debt between then and now. They have sent me information, but has does not included all of the information I have asked for. They wrote back in February 2018, after the 6 year statute barred period and have stated that they consider the statute barred period has not ended because of what I wrote to them (in 2014) (in italics above) is acknowledgement of debt.They have said that they have provided the ‘evidence’ and that I had said that if they had done that I would pay. This is not what I wrote means, and I think they are trying to mislead me. I meant that if they provide sufficient evidence – but what they have provided is insufficient in my view and this has never be put before a judge to decide. Are they right or is this now statute barred? I know you don’t have the complete information from the last 6 years, but some opinions would be greatly appreciated. s I have already mentioned I have never acknowledged or made any payment to this debt within the last 6 years. Thank you
  7. Hi All I have been arguing with HB (Bexley Council) for some time over a debt that dates back to 2011 when I was self-employed. They have had all bills/receipts and didn't even look at them just wrote back saying no you owe us £27,000. I went to appeal where off the record the Judge gave me advice and said if you haven't the money they cannot get blood from a stone. The trouble I have is this - I am now employed and they want to do an attachment of earnings. They have said I have £137 spare income per month and should pay them £100. The truth of the matter is the DLA payment I receive into my account is my son's as he cannot run his own bank account. It is clearly marked with his NI number and not mine. I have just received a letter from HB where it is stated because my son is a dependant (he is 25) then his money has to be taken into consideration. I didn't think this was allowed? They are also including my carers allowance (I am not sure on that one). The council have said they will not enter into any more correspondence with me until I prove paperwork of my loans (which I can do) and my rent (again I can do). Where do I go from here? I really do not have the £100 spare. Thank you
  8. Hello CAG Members, I hope you can help.. I just returned home while being away for few weeks and I received 3 letters from mml and moriaritylaw. It looks like to me mml and moriaritylaw work together and this is in relation to the same debt. So 1st letter is from mmf - dated 27/06/2017 demanding payment for their client 405.00 Then 2nd letter - dated also 27/06/2017 demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50 Then 3rd letter - dated 13/07/2017 - Final demand before proceedings, demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50 Long time ago i toke a Pay Day Loan with Mr Lender and I paid it off however i was late and I think by one month. I pulled out my recent credit file and Mr Lender is there and status of account is 'Closed'. I'm nit sure what to do next. There is no default on credit record, account status closed - settled. Please help I looked carefully through letters and it looks like those are for 2 debts.. So 1st letter (debt) is from mmf - dated 27/06/2017 demanding payment for their client 405.00 owned to CFO Lending. Then 2nd letter - dated also 27/06/2017 demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50 Then 3rd letter - dated 13/07/2017 - Final demand before proceedings, demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50 Looking into my credit report I have only entry from Mr L and as closed / settled. Nothing on CFO Lending. I think I might have this loan but then stopped paying as I was rolling loans to cover other loans... help please... Apologies, here now in one multipage pdf. Letters.pdf
  9. Hi, First the details of the alleged 'offence'... 1 Date of the infringement - 01/07/2017 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 21/07/2017 (20 days after the 'event') 3 Date received - 23/07/2017 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] - Yes 5 Is there any photographic evidence of the event? - Yes, images of the vehicle entering and leaving the car park 6 Have you appealed? {y/n?] post up you appeal] Have you had a response? [Y/N?] post it up - No, thought I'd ask for advice here before doing anything. 7 Who is the parking company? - Parking Eye 8. Where exactly [carpark name and town] - Premier Inn, Deansgate Locks, Manchester For either option, does it say which appeals body they operate under. - The notice only mentions POPLA in respect to appeals but it says they are a member of BPA. My son and daughter-in-law used this car park and my son paid for a ticket for considerably longer than the time they actually parked for. He can't remember the exact period he paid for (and they've lost the ticket), but as they were going to an event they didn't expect to finish until after 10pm, he knows it was for considerably longer than the time they spent there. Having said that, the Parking Charge Notice/Invoice makes no mention of why the charge has been issued, we're just assuming it's for staying too long. Is it normal that the 'offence' isn't mentioned on these charge notices? If it is, how is someone meant to appeal or defend themselves against an unspecified transgression? I've read in other CAG posts that these notices must be received within 14 days of the alleged 'offence' (it's termed an 'event' on Parking Eye's invoice) - does that apply in this case as well because it turned up 22 days later and was issued 20 days after the event? I've attached a copy of the PCN as a file - can't seem to figure out how to add it as an image like others on here are doing, hope that's not a problem. Can anyone suggest the best course of action to take? Many thanks Parking-Lie.pdf
  10. Hi there, Please help me. I'm terrified right now. I received a letter out of nowhere yesterday saying that I was being investigated and interviewed under caution for alleged undeclared work. It is in 2 weeks time. No other information than that. Just that it would be under caution. I feel like a criminal when I read that. Of course I rang up to say that I would be attending - the man on the phone was horrible and cold and downright rude - refused to give me any more information. I am signed off work long term sick due to mental health problems and currently on ESA (have been for many years) as wellas housing benefit and council tax benefit - I have had mental illness problems since my early teens but I had a nervous breakdown last year which made things a whole lot worse. My head went totally west. My partner looked after me single handedly for the whole of last year. He worked for two weeks so we could have a Christmas because of the horrible year we both had, even though he was not fit for work at that time. My partner is named on my ESA claim and worked 2pm-10pm Monday to Friday for 2 weeks from the end of November until mid-December as he also has depression and anxiety and really couldn't do it anymore. I sent the DWP the payslips as soon as he had finished work in December. I heard nothing back from them so I thought they had received them and everything was okay. I sent the original payslips which I realise now was a really bad decision as I can't now resend them. I wasn't in the right headspace during this as recently I'd had a total mental collapse - I was in a really bad place. I automatically assumed they would get them so sent them as quickly as possible. He has worked every Christmas since 2014 for no more than four weeks a time and hasn't had any employment other than Christmas work in a financial year. We have always sent the payslips. Always heard nothing back so assumed we were under the threshold that we can earn and that we wouldn't have any money deducted because of this. We are not criminals. Neither of us have ever had a criminal record. I'm terrified of going to prison just because for some reason they must not have received the payslips. I can't sleep right now because of the fear of going to prison. There was no fraud or deception involved. That wasn't our intention at all. Far from it. We have always been honest from the start. I made a stupid decision by sending the original payslips that I can't now resend and I was neglectful with that because of my illness. I am still on diazepam and have been for 11 months since my breakdown (as is my partner more recently) and also I see my psychiatrist every two months as well as my partner is on the waiting list to see a psychiatrist. I/We don't deserve to go to prison because the payslips were lost. I always assumed that no news is good news and that they would write to us if anything was amiss. If they have lost the payslips - I don't deserve to be sent to prison because of that. We don't have the money to hire a solicitor and we are pretty much estranged from both of our families so we have to go through this alone. We really need some advice. To receive a letter like this is really scary and this has made me really paranoid that the DWP have been watching us because of the new Snoopers Charter. Any advice would be greatly appreciated. Terrified right now. This is a big part of why I am awake at 4am in the morning. I just can't sleep through fear of them sending me to prison for this. :|:| :frown: Please help because I am at my wits end. Only positive responses please. xxxxx
  11. Hi, I'm in a regulated tenancy. The rent's just gone up. The council, who pay my rent (I was on ESA in the SG long term, now I'm on GPC), are now complaining they overpaid on the old rent. They are threatening to suspend my HB claim or get the alleged overpayments back, presumably by underpaying the existing rent till they think we're square. They aren't offering any evidence of overpayment, however. My landlords, who have contacted them about this by email and ccd me on it, say the council always have been and are paying the correct rent, and have briefly broken down how the rent is arrived at for them. The council refuse to accept their figures and insist they've been overpaying. I want to see evidence of what they've been paying so I'd like to do a SAR; to whom should I address it please? I have the details of the head of housing benefit and they'd seem to be the right person. Perhaps you could either confirm that or make a better suggestion? Many thanks, SWLABR
  12. I am disabled and have a vehicle for use by carers including my two daughters. I received a PCN dated 06/07/2015 alleging the offence took place on 10/02/2015. Furthermore, they had no photographic evidence showing the vehicle parked in a bay without a ticket, instead relying on the entry/exit photographs. My daughter who had the vehicle that day says that she got a ticket but she may have put an incorrect registration, albeit still a valid one. I have ignored their letters, but today received a County Court Summons. I intend to refute the claim because of the date I received the notice being 5 months after the `contravention` date, no photographic evidence of the car being parked in a bay without a valid ticket and that the system allows for mistakes in entering registrations which are still valid, but not the correct one. Any suggestions would be appreciated as I need to reply soon.
  13. Got this letter today from the Department of Work and Pensions telling me I owe them £300+. I gave them a call, and apparently this relates to a social fund crisis loan they claim I took out in the early 90s??? (I have no recolection of this)! For some reason the woman said she couldn't access the social fund section on her computer, all she could tell me was it was dated back to the 90s and said she is going to send me some details in writing next week. (After I refused her offer to call me back). Aren't these type of loans statute barred? She made no mention of any court judgement? Any help appreciated! DWP 28082011.pdf
  14. To cut a long story short, got caught by a van doing 35 in a 30 ... ok that's fair enough. But I want to request the evidence as there was no signage out prior to the van. But I've been told the only way to do that is to go to court?? Surely I should be able to request the evidence prior to admitting anything! Any advice here? Many thanks.
  15. Hi, Had a letter today from DLC regarding an outstanding CCJ, in that letter they are stating that it is currently being enforced by way of a charging order. Now I've done a bit of research and it appears that they are stating they have a charging order against my property. The thing is I live in rented accomodation and havent had a mortgaged property of any sort since 2009, this is now owned by the local council who bought it following repossesion. My question is, are DLC being fraudulent by claiming a charging order exists or does one still exist at my old property. For reference the property was repossessed in 2009 the CCJ was September 2010 although I only became aware of the CCJ recently following a check of my credit file and have had no paperwork regarding it to date until this letter. They clearly have my current address as the letter was sent directly there and not forwarded, I have lived at two other addresses since 2009! So they are tracking my current details. The letter goes on to state they are putting the matter in the hands of Cabot financial and that their solicitors will be in contact with me regarding further enforcement. Question is 1) Do they have a charging order? 2) How can they enforce one if they do as I do not own any property. and 3) Do I do something about the issues if they are being dishonest? The CCJ will be off the records in September and although not statute barred I believe it is much more difficult to follow up/enforce once that date passes. Please correct me if i'm wrong. Any help would be greatly appreciated. Thanks
  16. A bit about myself: I live in Scotland, am a middle aged divorcee with Multiple Sclerosis who has (or had, before now) a completely clean record. Last week I came home find a card through my door from the police informing me that they had called to speak to me and would I please contact PC Thingumajig to arrange a time to talk regarding 'an ongoing investigation'. I had no idea what this could be about and my medical condition leaves me embarrassingly prone to panic reactions in even the most innocuous out-of-the-norm situations. I immediately started panicking that I had done something illegal to warrant the police at my door but after talking it out with a friend we concluded that perhaps I had witnessed something that the police were investigating as I don't live in the best area. I phoned the PC and arranged to come in the next day to see him but completely spaced on asking why he needed to speak with me. When I got to the police station I was taken into a small room with only a table and three chairs, PC Thingumajig asked me to sit down and as he sat in front of me and pulled out his notebook a second PC came in behind him and closed the door. I started to get a little shaky as it was quite intimidating (this second PC was vaguely familiar to me as one that had treated a friend of mine particularly badly last year). I was shocked and stunned when I was told that I had been accused by the local Boots of shoplifting a mascara the previous week. I told them that I had not but as I was in full panic mode at this point I could not really digest the information they were giving me. They told me that they had witnesses who had seen me take it and had followed me out of the store and through the shopping mall, as well as CCTV footage of the incident. They were quite frankly not interested in any explanation I had for what had occurred on the two occasions that I recalled being in the store over recent weeks. When I told them of my medical condition and its effect on my memory (particularly in stressful situations) as the reason why I could not remember the day in question, the intimidating one immediately latched on to this as an explanation for my thieving ways and would not let it go. My record was checked and since it was clean I was told they could issue an official police warning or if I wanted to contest they would charge me and send it to the PF who would decide whether to take it to court or not. By this time I was so distressed and confused I was beginning to doubt my OWN honesty so I agreed to the warning in order to avoid the stress and pressure of the long drawn out legal procedure which could have had devastating consequences for my health. The warning was issued as well as a ban from Boots stores (I will never be darkening their doorstep again in any event - physically or digitally). Since that time I have been so stressed I have had panic attacks when I enter the shopping mall where I do volunteer work once a week, am prone to crying uncontrollably, have been unwilling to leave my home and unable to socialise with my friends. The stress has also had a deleterious effect on my health by worsening the symptoms of my MS. I have only recently been able to look at the warning notice and comprehend the date of the alleged incident which was almost exactly a week prior and, now that I can ponder it with a clear head, I DO recollect the day in question as I was re-starting art classes on that date. I DID enter the store more than once (a point they made repeatedly) as I had wanted to print a photo from my phone and, because their machine's USB was not recognising my device, I used the USB from my portable charger and accidentally left it in their machine. I had returned a couple of hours later to retrieve it. Since the photo printer is at the opposite end of the store from the make-up section I have no idea why they think I pocketed a mascara but since I was nowhere near that area of the shop (except to enter and leave) I have no idea why I have been accused of this crime - the only thing I pocketed in the store was my own property! Is there any way I can get the store to at least apologise for humiliating me and can I get the police to rescind the warning? Do they not have to stop me AT THE TIME instead of waiting a week to apprehend? Should I be worried as to how the police got my name and address? The only way I can think is to have accessed my prescription history at the pharmacy. They wouldn't let me see the CCTV footage either when I asked and I'm pretty sure the Data Protection Act gives me that right. I would really appreciate any advice I can get.
  17. My OH has just received a PCN from PE about a stay in a supermarket carpark. This particular supermarket has more than one store in this town. The PCN doesn't actually state which of the stores it is, just Supermarket then town. I only realised this after sending off the GPEOL appeal when I was about to go on the Land Registry site to find out the land owners. Could this make any difference when it goes to POPLA? (Providing it isn't held up whilst the Supreme Court case is heard)
  18. 'I'm from the Vatican, you're f*****': Drunken priest suspended after he kicked and spat at PC and paramedic Parish priest Gareth Jones, 36, had been drinking heavily when he passed out on a street in his clerical attire and swore at a paramedic when the paramedic tried to wake him up, then lashed out and kicked the emergency worker twice in the leg. When two police officers intervened, he kicked one in the cheek, and said “ I have diplomatic immunity'” The officer asked 'which embassy? too which the priest replied "The Vatican, you're f*****" A spokesman for the diocese of Chelmsford said "We are holding all those affected by this serious incident in our prayers." http://www.telegraph.co.uk/news/2016/06/03/im-from-the-vatican-youre-f-drunken-priest-suspended-after-he-ki/ You never know, if he wasn't a darned ginger the order might have protected him
  19. Hi there, Looking for advice on how to handle & respond to the following: Received NIP today 10th March 2016, the NIP was dated 9th March 2016 with the alleged offence occurring on 13th December 2015. Offence was 41 in a 30 zone. The wife was driving at the time. The wife has been the registered owner/keeper for about 4 yrs. The vehicle and plate have been registered at the current address for over 12 months. I've seen comments and advice about NIPs needing to be served within 14 days of the offence, which this is clearly outside, but what I wanted to know is what is my/wife's positon here, who should we write to and what should we say Many thanks in advance for any help Mr P
  20. Mirror Online wants to publish the electoral spending returns of every one of this Government's 330 MPs - so you can hold them to account on their spending We aim to publish online the electoral spending returns of every one of this Government's 330 MPs for the country to judge whether they were entirely truthful about their spending. The Mirror was the first to break the story in March that more than two dozen Tory MPs benefited from battlebuses packed with Tory activists but failed to declare any of the costs. Much more on the link. http://www.mirror.co.uk/news/uk-news/part-daily-mirror-peoples-electoral-8041095#ICID=sharebar_twitter
  21. Hi, I would like some advice on my next reply to the court 22/06/2015 - I receive a letter from Sheffield Police stating Alleged offence detected by camera date an time of offence 27/02/2015 @02:18am this matter will now be referred to the appropriate department for consideration by way of summons for one, or a combination of the following 1 failure to furnish driver details 2 excess points 3 driving licence not issued by DVLA Swansea 4 conditional offer not complied with 5speed recorded does not fall within guidelines for conditional offer 6 other that is the first letter I received, my response was I m in receipt of your letter dated 22/06/2015 and I would like to ask what the alleged offence is? I have had no previous communication in relation to this alleged offence, I do not understand the length of time this has taken? may I take this opportunity to reply to your points 1 I have had no request/producer that asks for this information 2 I have a clean driving licence 3 my driving licence was issued by DVLA in 1993 and is due to be renewed in 3 months time 4 what is a conditional offer ? I have not been given this opportunity 5 this seems to contradict your point 4 6 could you substantiate this statement I do not know what "other is" at the end of this letter I ask if they can furnish me with the details of the alleged offence I am missing leaving my telephone number and reminding them of my address I did not get any response from the police ( I recorded the delivery of this letter) 20/08/2015 - I received a court summons at this time I wrote again to Sheffield Police and stated that I thought it unreasonable to ignore my previous letter and issue court proceedings , I asked for copies of the original paperwork ( I recorded the delivery of this letter) I received a reply stating this is now being dealt with by the court I filled in the court paperwork which was contrary to section 172(3) of the road traffic act 1988 and schedule 2 of the road traffic offenders act 1988 - this is a failure to supply driver details , there is a copy of a blank section 172 drivers statement, this has never been received at my address there is no mention of speeding on this court summons I replied to the court and plead not guilty, with a copy of all the documents I had sent to the police, I have received a response from the court stating 1 the police would accept a guilty plea to the original offence of speeding instead of the notice offence , please respond to the court before the next hearing my question is , there is no mention in the court papers of speeding, how can the court swop offences ? I believe the Police are out of time to prosecute me for speeding as they did not send me any request for information and completely ignored my requests for information If I plead guilty to speeding I will get 4 points which is a magistrates minimum and a fine and I will not have the opportunity to undertake a speed awareness course or keep my licence clean could anyone advise me ? Thank you Caroline
  22. Hi, I'm new to this site. I hope you can advice me a little. I received a parking charge notice that I think is unfair. I will lay out some of the background details to help understand the issue. Please let me know if more information is needed. 1. Morrisons opened in June 2014 in a multi storey complex, part morrisons and part travellodge. The car park is managed by Euro Car Parks. 2. Initially Morrisons offered around 3 hours free parking. Before parking there, we checked with Morrisons staff this was correct and read the signs put up by Euro Car Parks. They were scattered randomly and not particulary large. The signs at the time were vague and stated Morrisons customers could park for a period of time, the actual number of hours was left blank at the time. 3. With this knowledge, we have been parking there on and off there without re-reading the signs any further. We do not stay over three hours. 3. In early June I overheard some other customers mention that Morrisons had changed their parking times. I then went to read the ECP notice and it looked very similar apart from now the blank was filled in with a two hour limit. It was a very small ammendement, and I saw no other notices, no large notification of change of policy or change of parking times, when entering the car park, or or at the pedestrian exit doors, or inside morrisons. i immediately reduced my parking times to comply. 4. In June 15, a "notice to keeper letter" letter was sent to my address stating I had parked longer than the maximum period and parking charge was £85 as I hadn't paid in time. The date of alleged infringement was 16 May. The notice was from Euro Car parks. I believe this is the first letter they sent me. I was away from home and did not see it until early July. Looking at other websites the info was to ignore it. I also was very annoyed and thought it was unfair as there was no notification of changes of policy that I had read entering the car park or the shop. 5. At the beginning of August I got a call from my family home saying they received a letter from Debt Recovery plus. The letter is quite threatening but carefully worded. It states they are acting for the creditor to recover an unpaid debt. They said they as there was no response from the registered keeper address they have used other means to trace my current address - i.e. family home. 6. As I don't want my family to be tainted with this issue, earlier this morning I sent an appeal to Euro Car Parks directly. I used my registered keeper address. I did not divulge who the driver is, but requested they cancel the charge as there change of policy was not clearly stated. I have not contacted Debt recovery plus nor made any mention of them to Europarks. 7. The notice to keeper stated the breach being "Your vehicle was parked longer than the maximum period allowed". It does not state what that time was, nor does it provide any other evidence of the breach. I have asked they send me some evedence that my car was there on May 15. I would like to know what I should be doing from now on. a. Do you think that the situation is unfair? b. Do I have a case to appeal to anyone further? c. Does appealing to supermarkets to cancel the charge work? I do shop at Morrisons but small amounts - is there a price limit before they revoke parking charges? d. What other information can Debt Recovery plus actually use to try and trace me further - is this legal....and is it common? e. To what extent do private car parking websites look at websites like this, and take further action based upon comments here. I think i will be fairly traceable from the detailed background. In this case can the thread be private until the case is closed? - I am new here remember! f. In addition, I would like to know if the policy is changed by the parking authority what effort should the parking authority make to ensure customers are aware of the changes. I have a sneaky feeling they may say we put a sign up a week before...............but If i was not at the car park that week how would I know. All advice is greatly appreciated.
  23. Hi everyone Got a letter from Advantis yesterday telling me that I owe HMRC £688.09. Well this was news to me as HMRC have never been in touch. What is the best way to deal with this people? I have however been chased by HMRC for the last 10 months wherein they were chasing me for a debt of £1300 because I had failed to submit a self assessment form. Having never been self employed I had no reason to submit one. The HMRC refused to accept all evidence of P60s and wage slips from my employer. They did however send me a self assessment statement on the 7th January, received 18th January! cancelled all the alleged debts. And lo and behold now I get a lovely letter from some numpty debt collectors for a totally different amount. I'm just going to put together a "prove it" letter so any help would be most gratefully received. Thank you
  24. Hi all My parents received in one letter a few days ago 'Payment Due' and 'Annual Statement' documents from Lowells requesting an £11k payment for a defaulted Barclaycard, dated October 2011. I am very rarely in the UK hence the only semi-registered UK address for me the family home (I'm a British citizen). In mid-2010 I had my wallet stolen in Poland (I lived in Warsaw for 2 years) and three credit cards maxed within 24 hours without my knowledge. This was investigated by the Polish police and didn't go any further than an uninterested policeman. Through a solicitor in Poland, all banks were contacted, and I was informed that all cases were closed. I didn't think anything of it and never requested additional cards as by that time, I had expatriate accounts set up that became my everyday banking options. The same solicitor also paid an outstanding loan to First Direct on my behalf (this was also one of the stolen credit cards) to close all of my UK accounts (circa £15k). Following this letter, I've now only just checked my UK credit report (I've never had any need to before), and notice that all accounts remain open and are in default. They will stop being reported at the end of this year (with Lowells/Barclaycard in early 2017), which I assume means that they will become statute barred. I've requested Lowells to send to me all information that they have and refused to acknowledge any debt in my name. I do however now fear that the Polish solicitor I engaged with didn't contact anyone, and did not pay off the loan. I remember receiving a remittance slip from him at the time, and due to my time-demanding occupation (foolishly) didn't double-check / confirm. It seems like I have been caught up in an elaborate [problem], and cannot find any detail of the chap on any of the networking sites. I'm expectant that Lowells will investigate, but a little concerned that I could be dragged into a number of stressful conversations. I see the following as my options: 1. Contact all creditors, inform of situation and look to work toward resolution (however reputation of these guys doesnt fill me with confidence) 2. Sit tight as they are all close to statue barred (surely a risk as being contacted means that I'm on the radar?) 3. Report to Polish police / interpol (although I wouldnt expect much progression) Any advice welcome!
  25. Evening guys and Merry Xmas on a pleasant December afternoon I received a letter from TFL (PCN attached below) dated 14/12/2015 for an offence that apparently took place on 29/07/2015 in Stamford Hill (Hackney). Contravention: 46: Stopped where prohibited (on a red route or clearway). The PCN further goes on to say that... The PCN was served by post because a Civil enforcement officer 'T' observed the vehicle identified above from 11:11 to 11.11 and had begun to prepare a PCN but the vehicle concerned was driven away from the place in which it was stationary before the CEO had finished preparing the PCN or served it by fixing it to the vehicle or giving it to the person appearing to be in charge of the vehicle. I live in Hackney and Stamford Hill is quite a long road. I can't recall this taking place and neither can my brother who is the 2nd named driver on my vehicle. As far as I am concerned the contravention did not occur. I called TFL soon after receiving the PCN to enquire. I asked the exact location of this contravention, but they did not have this information on them. I then asked if they had any pictures to jog my memory. However, I was informed that TFL did not have any evidence/pictures to prove this as I allegedly drove away before the the CEO could take pictures. What's the best line of defence against this PCN?
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