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Found 10 results

  1. Hello all, 1 Date of the infringement 20/11/2016 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 25/11/2016 3 Date received 28/11/2016 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Yes (see attached) 5 Is there any photographic evidence of the event? Yes - ANPR. 6 Have you appealed? Yes - standard template to receive POPLA code. In the process of writing POPLA appeal. Not currently attached as standard text used Have you had a response? Yes, their (the parking company) rejection also att
  2. Hi All, I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process. Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them. I have uploaded the documents that were sent to me.
  3. Hi Guys After reading lots of useful info on here I have decided to get on top of my debts. Been paying Payplan since 2007. but have decided to take control. I have decided to CCA all my creditors. I have just received this from AMEX. I don't think it complies. However Amex say "these documents for the executed agreement between you and American Express". I'm not so sure? My ultimate aim is to offer one F&F offer to all creditor, If I can prove they haven't got a hope of getting judgement, the offer will be lower. One final point I now live in France and they know t
  4. Hi, I have a debt to Capquest (owned by them purchased from Vanquis in 2012). I have been trying to sort this out and three weeks ago sent off a CCA because I could not recall signing anything when this was taken out. I spent £500 in total which needs to be paid back but the amount claimed by Capquest is £701, presumably these are credit charges, interest and default fees etc. Because I don't recall signing a CCA what I would like is for the amount owed to be agreed at what I actually spent, which is what I feel comfortable with on moral grounds on repaying. I a
  5. Hi all, can someone please explain what is meant by a compliant default notice?
  6. Hi, New to the site so please bear with me while I find my way around. Having some major issues with Santander cards & would appreciate some advice. My question is this: Can someone advise me as to when a letter of intention to file a default is sent "along with" a formal default notice, should the "actual default notice" still be fully compliant with the consumer credit act & contain all the prescribed terms?
  7. MacDonalds/Lidl/Dreams Oxford Road Reading https://scontent-a-lhr.xx.fbcdn.net/hphotos-ash3/p200x200/1391644_10201729133565606_1186692471_n.jpg
  8. Several weeks ago we put our car into the Galashiels branch for an MOT, new exhaust and shock absorber. Phone call from the supervisor was to inform us that they had broken the windscreen from using the air pressure chisel on the old shock absorber (really?). After discussions between myself and the supervisor the windscreen was replaced by them and a few days later I collected the car. I telephoned the branch the next day as the hand brake and brake pedal were so tight it was ridiculous. (The handbrake had 1 click only). I was told to bring it in when I coul
  9. Hi all I have had a claim progress against me for an old CC debt and I have just received the reply to my defence from the Claimants solicitors. In this reply, they have included a DN that is different to the one they sent me back in 2009. This new one looks to be compliant, whereas the original DN had (1) demanded full repayment of debt and (2) did not allow me full time to repay. Also, the original creditor never actually sent me a Termination Notice but they did sell the debt to another DCA prior to the date on their DN and that DCA then contacted me (again prior to the date on t
  10. HSBC has stopped offering Sharia-compliant mortgage products following a strategic review of the bank’s businesses, according to The Times. According to the paper, HSBC is scrapping Islamic loans and bank accounts for personal customers in Britain and several other countries, including the United Arab Emirates, Bahrain and Bangladesh. A spokesman says: “Sharia mortgages are a very small business line for us in the UK. This is part of a strategic review of all our businesses.” HSBC began offering Sharia-compliant home loans in 2003. The products account for 21,000 of HSBC’s 16 million bank
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