Jump to content

Search the Community

Showing results for tags 'for'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 2,904 results

  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 up with local views just in case. My video of how i feel.When i went on a protest to learn more.These people are protectors not protesters. Could be on your doorstep next.
  2. I parked in a no through road which leads to the entrance to a supermarket car park and a derelict building site, which after many years of standing empty is finally being redeveloped. The road is accessed from a main road, where there are normal road markings and no signs stating that you are entering a private road and there is No Parking or any charge if you do park in it. Shoppers often park in this road for a short time whilst they go the supermarket, even when there are spaces available on the store car park. One day I parked in the road because the supermarket car park was full. I parked for less than 10 minutes behind a car that was already there and didn’t think anymore of this until I received a PCN in the post from a private parking management company. I was shocked that this stated I had parked in an un-adopted road which was no parking allowed and had a £100 parking charge. The council confirmed the road is un-adopted whilst the site is being developed. The company had taken photos of the car I was driving, which was parked alongside a derelict building in the road. The signs stated Attention Private Land – The site is managed & operated for No Parking at anytime and that there is a parking charge of £100. These signs are not in the line of sight of a car driver and when you leave the car to go to the entrance of the supermarket they are behind you and there are no signs in your line of travel. You might see the signs on your way back to your car, but that is obviously too late. The signs are on the perimeter of the building site, which the derelict building is part of, and they refer to “Land” and “Site”, so you would assume they refer to the building site being developed, and not the road. If the road is included then there should be a sign at the entrance stating this is a Private Road and the terms and conditions that apply, as was in the Supreme Court case Parking Eye Vs Beavis. To make matters worse the signs on the derelict building are not illuminated and are less visible at dusk when I parked and when it is completely dark they cannot be seen at all! I disputed the charge with the management company because there were no signs at the entrance of the road and the ones on the building alongside which I parked had not been visible and referred to the building land/site. This was rejected because the IPS had approved the signs and location of them. I tried to appeal to the Site Owner/Director of the company who are developing the site, but he ignored my letters. His company finally did respond after my Father wrote to them. They confirmed that they had appointed a parking management company to control misuse of their land. I and other shoppers, unaware of that this is a private road with no parking, are hardly misusing the land by parking here for a few minutes! Even Police have been seen parking here and I am aware that at least one unmarked Police car was issued with a PCN. The management company have had many requests from the Supermarket store management and people like me to improve the signage and/or paint double yellow lines, to remove any ambiguity, but they have repeatedly refused. One store manager even complained that an employee of the Management company was parking by the derelict building, adding further to the misleading situation. In fact I am sure it was one of their employees whom was parked in front of me when I was issued with my PCN. It certainly was the same type and colour of car that I have seen driving around checking for parked cars. My Father did a study and saw 13 cars park there in one hour one lunch time, including an armed Police woman! I foolishly tried the IAS appeal process, knowing that I only had a 20% chance of being successful, because it is well known that this is not independent at all. True to form my appeal was rejected, even though I had pointed out and given proof that the evidence given by the management company was incomplete and the site plans and photos showing the signs were over two years old and not what were in place when my alleged parking offence took place. The Arbitrator dismissed these facts and still rejected my appeal and asked me to pay the charge within 14 days. I informed the Parking Management Company that I did not accept the decision of the IAS and the reasons why. I stated that I would not be paying the charge and requested that they followed the correct legal process and take me to court and not waste time and money passing this onto a debt recovery company. My letters, including to the MD were ignored and the charge was increased to £160, to cover admin charges. I heard nothing for four months then out of the blue I received a letter from a Debt Recovery company asking for the £160 to be paid. I have denied the debt, and asked them to ask their client to take me to court, so that this can be decided fairly. Their response states if the account remains unpaid it will progress to the legal stage and be passed to the solicitors. I would welcome further advice to what I have already received. This situation has been very upsetting and stressful for my family and I, especially when I am an honest, law abiding citizen, who has not committed any parking offences before. In the meantime, roll on the passing of the Private Parking Bill!
  3. Hi All, I have had a Halifax account for a long time. but it has a massive overdraft (8,700) It was our own fault and very stupid, we were really struggling with money at the time _ it was a few years back -can't even remember how long, but we had a small overdraft we went on line to increase it a bit to cover us for that month, it was so easy, we went back in and did it again till it finally declined at the above amount, but I'm sure we managed to increase it by about 4,000 in one day! things were ok and we were being charged about £100 each month in fees for always being in the overdraft. but in april (I think ) the fees changed to £12.42 per day for us which is about £372 per month!. There's no way I can afford that!. I have a basic current account with the Halifax which I've been using as my main account for some time, but no income is paid into the overdraft account at all now. it's already being recorded on my credit file as two months in arrears and the balance is now about £9100. I want to pay them back but at £372 just for the fees it would be impossible. but I also don't want another default, as my credit record will be clean in 2 years and we're selling up to rent and clean up our credit records so a new default for another 6 years won't be good! Is there anything I can do to avoid this? and make an offer to them to pay what's owed?
  4. Good evening, When i was a lot younger i ran up quite a bit of debt which became unmanageable once i had children and cost of living increased. paid into a DMP for a few months and then defaulted this was in April 2013. I have pretty much ignored all contact as no one was taking legal action. I have had some discussions with Restons over the phone about this debt as i tired to agree a repayment plan. but could not stick to it as it was un affordable to me. Today i have received a CCJ claim from the for a total of £5131.05. The debt is from an MNBA credit card which i took out sometime around 2005/06 i think. The POC on state that the original debt is from MBNA "dated on or about Feb 2007 and assigned to claimant on Dec 2011. It then list the following two items: 19/07/28 Default balance 5151.05 19/09/2018 Pos Refrl CR -20 That is all that is on there. I have done a lot of reading around and am thinking of defending this claim but my head is spinning a bit with all the different threads i've read. Am i right in thinking that they probably dont have the CCA? I don;t believe that they have followed pre-court protocols as i have not received a letter stating they were due to start legal proceedings. Do i need to now request this information under CPRs and then defend the case accordingly? Am i right that if they can not produce the cca they can't enforce the debt? Thank you in advance.
  5. 1. The date of infringement? 17/2/19 2 Have you yet appealed to the parking company yet? [Y/N?] N have you received a Notice To Keeper? (NTK) n/a Did the NTK provide photographic evidence? n/a, but photos available online 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] n/a 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] n/a 5 Who is the parking company? UKPC 6. where exactly [Carpark name and town] did you park? Alcock Crescent (Vickers Green Estate), Crayford, DA1 4LX Ticket says they operate under BPA ……………………….. Hi received a windscreen ticket from UKPC for parking on the road. In a residential estate, but on a road, not a car park. No markings, yellow lines on the road and wasn't blocking anyone or any entrances. A not very obvious sign parallel to the road saying "No Unauthorised Parking" which looked like they were for the parking bays, but on closer inspection after receiving the ticket say 'no roadway' parking in very small letters. They have photos showing car with a blurry sign in the background on other side of the road, plus a close up photo, taken at an extreme upwards angle (blurry, can't really read what it says - my own photo is much better) Considering whether its worth an appeal or not, any help appreciated. Thanks
  6. Hi, My landlord is wanting to send estate agents round to value the property because he wants to put it on the market. He has not yet served me with a Section 21 notice so I have no idea when he is expecting me to vacate but I would have thought a valuation would be more realistic once the house is empty and after he can do some redecorating, etc to get it ready for selling. At the moment, we have been too stressed over searching for a new home and we have been having a mad declutter and we have half packed boxes everywhere and the housework has become less of a priority, so all in all, the house no longer looks homely and I certainly wouldn't want any estate agents taking photos to use for selling purposes. Does my landlord have a right to getting a valuation, especially before he has issued a Section 21? I feel so uncomfortable about it and I really don't want anyone coming round while I still live here I have been looking through other tenants posts and came across this comment from one of CAGs members:- "Are you aware of this >> For example, a Section 21 notice cannot be served if there is no EPC or Landlord gas safety certificate in place for the property. Any non-compliance with this requirement will render the section 21 notice ineffective." Now my landlord has never done annual gas checks and the last one (for which I have a copy of the certificate) was about 2 years ago. Does the above CAG members comment mean that when I receive the Section 21 Notice it will not be legally enforceable? If so, what should I do and how do I respond to my landlord when I get the notice?
  7. Hi, can someone help please. I over stayed the maximum 2 hour parking in Tesco car park (private eye) a few times and now I’ve been sent a charge £250.00 or they will take me to court. Could someone advise me what to do please
  8. Grenfell Tower fire: support for people affected READ MORE HERE: https://www.gov.uk/guidance/grenfell-tower-fire-june-2017-support-for-people-affected
  9. Hi all, I recently CCAed all my creditors in order to try and sort out my finances finally. I have been paying £1 token payments to each, having defaulted on all over 6 years ago. I have moved house a few times since and have lost track of what has happened to them all. having sent a CCA request to Robinson Way, who I originally dealt with for a Halifax debt, I received a strange reply, returning my £1 PO, and saying that "the account is closed on our files, please contact our principal". This was written on a very unprofessional piece of paper that looked more like a memo than a letter! Has anyone got any advise as to how I should proceed with this? The 12+2 days are definitely over. As Robinson Way were dealing with this, is it still their responsibility to respond to my CCA request? Thanks AM
  10. parkingbill2018, where are you with this case? I've got the same problem on the same location, but mine is on early stage, have only passed to the ZZPS LTD Could you please update when you get a resolution Thanks,
  11. Hi, I am extremely worried about the possible eviction. I have mortgage with Birmingham Midshires. I live in the property with my mother who is 68, wife and four children age from 1 to 6. Back in 2009 I had mortgage arrears for which court granted the suspended repossession order on the terms that I pay £100 towards the arrears every month. which I did. After some time the lender capitalized the arrears. After few years i got in arrears again but situation got worse because how the payment team at lender dealt with my account. I made complaint on 2 occasions. My complaint was resolved by awarding me the payment of £100 on one occasion and another time £250. February last year I was in arrears, I contacted the lender but ended up in dispute on the way my account was being handled. I complaint to financial ombudsman. They contacted me and lender few time. Until today i don't know the outcome. Now i have received a letter from court for hearing on 23rd Jan. The lender has applied to the court for the decision on to "The Claimant respectfully requests that the court make the following Order" "The Claimant permission to apply for a Warrant of Possession pursuant to CPR 83.2(3)(a) and that permission shall remain valid for 6 years from the date permission is granted". The arrears are around £13k. I am in a position to make ongoing monthly payment as well as substantial amount towards arrears. Can you please advise what the lender is asking the court? Are they asking for eviction warrant? I am very worried because if the y get the eviction order on the hearing on 23rd i have no where to take my children to. Please help how can I defend this as well as is this hearing for eviction? If so, how soon this can happen? Have i lost all now? Thanks.
  12. We've been through all the usual probate etc for my mum in law who died Feb 2018. We've now received letters from the DWP saying my late mum in law may have been overpaid an income related benefit. They say according to their records and those of the probate there appears to be a discrepancy and want us to provide all her financial statements covering 2003 - 2013. They've told us not to distribute any funds from her estate (which we had already as it all went to my husband, before we'd even heard from them). They've said they can work on the figures they have and calculate the possible overpayment but its best if we provide the information for them so they can make an accurate assessment. I assume the cheapest option would be to approach the banks with SARs? However, before I do this, can I ask the DWP to provide all the information they have regarding her payments of benefit and her applications for benefit because, to be honest, neither myself nor my husband recall filling in any forms for her (and its something we would normally do as she's registered blind). We do know she was getting a pension credit (savings based only) but we've no idea when it started or how she came to claim it - perhaps we've just forgotten as its so long ago. However, I don't want to just take their word for it so how best to approach this really, if anyone has any advice. I'm not trying to avoid any repayment (if one is due) but naturally I'd like to check for myself as well, if that makes sense. Any advice greatly appreciated.
  13. Hi, I received another claim form on Friday from Moriarty Law for a debt related to a Spark Energy account. I'll post the full details tomorrow as I forgot to bring the claim form with me to work today. I have no recollection of ever being with Spark Energy, and the amount Moriarty are claiming is about £300. Coincidentally, on Saturday I also received a letter from Moriarty Law informing me that I will receive court papers shortly, and that they would like to still resolve this amicably. Firstly, I will complete the AOS online tomorrow defending all - I just wanted to check what CPR request to make of them, and as this is for a Utility debt whether the protocols are different? I am guessing they still have to present documented evidence in support of the claim? What should this consist of for a Utility debt?
  14. Hello, I am new to this forum so I’m not sure but I’ll tell what happened first and I will really appreciate any help you can give me. First of all, I know it’s my mistake and I deeply regret this now. I saw this intagram page about 16+ Oyster cards for anyone (I’m 20) for £40 and contacted the guy and he set up and application for me and all. was having financial problems and I’m a student I was stupid enough to do something awfully regrettable like this. paid him applied for the card. got it used it for a while. got caught by a ticket officer got a letter from tfl asking me to write to them explaining why this incidence happened. I don’t know what to do. please help me out. This is my first time getting into trouble like this and I’m very regrettable and scared that I’ll be prosecuted. I’ll never ever do anything like this again. Please help me out. This is the letter I received from tfl. Please give me any advice you have on writing a reply to them. I have already started to draft a letter with my apologies and answering them honestly. But the letter they sent does not mention anything about fake photo card so should I tell them about it or just apologise for not having a valid card and offer to pay for any loses/fines. I am terrified about being prosecuted for this.
  15. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  16. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA Group (UK) Limited, the debt purchaser or any predecessor, © Details of all contractual interest added by whom and on what date, (d) List of ALL Payments made toward the Agreement. The PRA group letter on the 12th said, that in response to my query (PAP form) please find enclosed copy of statement of account from MBNA and a copy of the credit agreement (was an online application 2008) plus statements from the MBNA credit card (virgin). The letter goes on to say that they will put the account on hold for 30 days until 12th December to allow sufficient time to receive the letter and contact them. Today I received the county court claim form. I don't know what to do now? Please advise. Should I try to a negotiate an offer with PRA or will I have to pay in full somehow! I don't want a CCJ registered.
  17. Hi, First of all, thank you for the support you all provide through this site. I have received a Parking Charge Notice from CPM (UK Car Park Management) for 'Unauthorised Parking' in a small car park. The bays are unmarked and the signs are barely readable attached high on the walls in small prints. I am the registered keeper but not the driver of the time. The issue date was last year June 17 and was for £100 or reduced to £60 if payed in 14 days. It was sent to me in post with two pictures of my car in the letter. The reason was 'unauthorised parking'. Since then, I received another letter called 'Formal Demand' roughly after 40 days of the first letter where it says to pay £100. Then I started receiving 3 DRP letters (2 in sept and 1 in Oct 17) asking to settle payment of £160. Following that, I received a letter from Gladstone Solicitors in Nov 17 asking me to settle payment of £160 and then another 'Letter before claim' in June 18. Taking advice from other forums, I decided ignore them and I never contacted or reply to any correspondence thinking that they will stop. Now (Sept 2018), I have received a Claim Form from County Court Business Centre, Northampton asking to pay CPM £174.67 + £25 court fee + £50 legal rep fee total of £249.67. I have kept all evidence of letters and pic of the car park including the sign they have up. I need advise on what to do next. I have read different threads and you tube videos and all saying this is fake court. The court logos are blurred out and looks like the letter has been copied. Is this a actual court? The letter contains moneyclaim.gov password. Please can you offer me advise om what to do next? I have 14 days to acknowledge of service then submit my defence. I can upload pics of letters and photos upon request. Please speak to me in layman's term as I don't fully understand the process. Questionnaire: 1 Date of the infringement - 23/06/2017 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 10/07/2017 3 Date received 13/07/2017 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] - not anywhere in the letter far as I can see 5 Is there any photographic evidence of the event? - They took two pictures of my car and printed them in the letter 6 Have you appealed? {y/n?] post up your appeal] Have you had a response? [Y/N?] post it up - I did not respond at all 7 Who is the parking company? CPM 8. Where exactly [carpark name and town] - 93-101 Greenfield Road, London For either option, does it say which appeals body they operate under. - BPA If you have received any other correspondence, please mention it here - as mentioned above Thank you in advance
  18. Hi, I was recently on a flight from Vienna to Gatwick. The distance is 1250km (775 miles). The delay was exactly 3 hours, 4 minutes (184 minutes). Under Flight Regulation EC 261/2004 I am entitled to compensation of 250€ per passenger (2 of us) for flight delays longer than 3 hours. The delay was due to a technical fault. I contacted BA via email for compensation. They responded stating that 175 minutes was due to technical fault, and the remaining 9 minutes was due to ATC as they had to wait for a slot to take off, therefore since less than 180 minutes was their fault, they reject the claim for compensation. My friend, on a different BA flight had exactly the same issue - his flight delayed by 200 minutes, and BA claimed 175 due to technical fault, and 25 due to waiting for ATC to let them go. Suspicious. From my point of view, if there was no technical fault, the flight would have taken off in the allocated time and the delay would have been 0 minutes. The technical fault caused the ATC delay, and therefore the delay is entirely BA fault, all 184 minutes of it. So they should pay me compensation. Also, does "ATC waiting for a takeoff slot" count as "extraordinary circumstances" ? I know an ATC strike, or ATC staff shortages may do, but there is nothing improper or out of the ordinary about the operation of ATC at this time - it is entirely correct operation, they are just waiting for the next free slot because obviously they cant just let a plane go immediately when its ready, so there will always be some kind of delay here, so how can it be classed extraordinary? It seems there is a grey area on the Air Traffic Control and airlines can use it to get out of paying compensation. Please can someone give me advice on this? Thanks, Ryan.
  19. Hi,I'm new here. Without mentioning names, I bought car for 5.5k. described as"drives like new", immaculate condition" etc. Within 28days, red EML light come on, had it locally diagnosed as issue with electronic throttle and exhaust pipe seized shut. I immediately notified the trader, who largely ignored me. I consulted mechanics and was told the serious fault and I better be off rejecting it, under CRA 2015. I had written the dealer (independent garage) quoting my reasons to reject the car, gave them two weeks to issue refund, meanwhile I am without a car. They fobbed me off again, did not collect car,did not diagnose nothing. So after two weeks, I sent letter before action via email and recorded delivery. They called back asking me to take the car to nearest garage and if reasonable they'd pay. I did not agree reasonable part however I had to tow the car to another reputable garage for further diagnosis and quote. It came to 900+. After 5 days of issuing the quote, they came back saying too expensive and I should bear all costing to take car to them and they will fix it(towing would cost around 500). I obviously rejected and went ahead with repairs, now asking them to pay the bill or there is a Small claims on their way. Before you comment, please note following reasons I also rejected,apart from the cost of towing, which they asked me to pay. 1) they sold car with the main warranty provider, I did not get the document but all of their cars had their branding all over (approved dealer, 6m warranty) but I found out they lied. I had various dealings with the warranty company, who sent their staff to REMOVE all their branding trafer fraudulently was using. I have confirmation of this . 2) Autotrader reviews - I naively trusted the reviews, more than 50 ,nearly all 5*. Upon my issues, I went through one by one, and realised they are suspicious. After lengthy dealings with AT, they were found that 46 of those(including dealers responses to those great reviews) were fraudulent. Based upon the fact that they left me with no car for a month, lied to me about everything as stated above I could not be expected to trust them to repair anything to the required standard. (They must have cleared all fault codes prior to selling the car!) There are other matters that I cannot comment on due to legal reasons too. My question is : has anyone been in rotelt similar situation and any tips before small claims? TIA
  20. Hi All I let out some rooms last year and had a tenant move out with out any notice and the tenant requested the deposit returned, this went to the Tenancy dispute service who had registered the deposit and they found in my favour and advised the tenant that this was legally binding as they had agreed to arbitration. The tenant went and filed a county court claim which i responded to straight away and within the given time, send by recorded delivery and heard nothing more, around six months later (this week) i received a letter advising judgment for the claimant as " no acknowledgement of service had been filed" with an advice that costs will be determined in due course . The case has no merit and they haven't acknowledged receipt of my defence and AOS , so is N244 the only way? Any help will be most appreciated.
  21. Hi My wife has received a Pre-Action Protocol for Debt Claims from Drydensfairfax, for an old debt from 1998 at an old address. Arrow recently started sending letters to our new address and continued despite being returned as not known at address. They now appear to be instigating court proceedings. Unfortunately I expect this is not outside the statute of limitations as I have been paying £1 per month by standing order since she defaulted in around 2000/2001 (from my account not hers). Whilst she is working, she is not in a position to pay it off as she is currently just managing to maintain her current credit. Naturally we do not want a CCJ, ideally she is hoping to consolidate her current debt soon to help manage and prevent her credit status worsening. I would really appreciate any advise you could offer, in particular could I ask: - should I send the suggested CPR 31.14 request (as this seems to mention a specific court that has not yet been advised)? - should I send the CCA request to Dydyenfairfax or Arrow? - I have seen a Debt Prove it letter, would this be appropriate? Also, I have listed below the details as suggested: Name of the Claimant ? Drydensfairfax Solicitors/Arrow Global Guernsey Ltd Date of issue – 04/02/2019 Date to acknowledge) - 09/03/2019 - We are instructed by our client, Arrow Global Guernsey Limited, in relation to the above debt. If you do not provide proposals to repay this debt, or respond as otherwise detailed in this letter and it's attachments, legal proceedings may be issued against you in the county court. If such proceedings do become necessary, further costs will be incurred for which you may be liable. The proceedings may then result in a county court judgement being entered against you which will be registered a the credit reference agencies and is therefore likely to affect your ability to obtain credit in the future. Full details of the debt are set out below: The amount owed is £702 and no charges/interest are being added at this stage A statement of account is attached ---(an account summary showing only start balance (£823), total debits (£17), total credits (£138) current balance (£702)--- The agreement this debt relates to was entered into between you and Shop Direct (Carval) on xx/xx/1998 and assigned to Arrow Global Guernsey Limited on xx/xx/2011. A copy of the agreement can be requested using the reply form. ---(should I do this also?---- Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Don't know Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? No What is the total value of the claim? 702 Is the claim for - catalogue When did you enter into the original agreement before or after April 2007 ? before, it was 1998. Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Not on my copy, I don't know if deeper searches with linked addresses are any different, credit score is low but I thought this was due to current level of debts Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser, Arrow Were you aware the account had been assigned – did you receive a Notice of Assignment? probably but to a previous debt purchaser, it was back in 2011 when Arrow took over but we moved house in 2008 Did you receive a Default Notice from the original creditor? Yes, around 2000/2001 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't know, possibly, but moved house in 2008 and only recently started receiving letters to new address Why did you cease payments? Husband has maintained £1 per month standing order throughout, still paying unless their bank payment details have changed What was the date of your last payment? Feb 2019 unless their bank payment details have changed Was there a dispute with the original creditor that remains unresolved? No, due to credit difficulties Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes and Yes Many thanks again in anticipation of any advice you can offer.
  22. Hello, I've received a notice to keeper today for exceeding the maximum period allowed by 17 minutes. Although I was driving the car, I was not the keeper as it's my fiancé's (so the letter was addressed to her but I won't let suffer for it) My initial reaction was to ignore it but I decided to play it safe and ask for guidance. Thank you in advance. 1 Date of the infringement 11/02/19 2 Date on the NTK 18/02/19 3 Date received 20/02/19 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Y 5 Is there any photographic evidence of the event? Yes, plates upon entry and exit 6 Have you appealed? No Have you had a response? N/A 7 Who is the parking company? Euro Car Parks 8. Where exactly Marks & Spencer, Penrith BPA
  23. New code of conduct for artificial intelligence (AI) systems used by the NHS READ MORE HERE: https://www.gov.uk/government/news/new-code-of-conduct-for-artificial-intelligence-ai-systems-used-by-the-nhs
  24. Saw my car with a clamp on it this morning and found out it was due for non payment of a PCN which I appealed against. Now i never received the council's response to my appeal and the only letter i recently received was on the Wednesday ( which i was told by the enforcement office, was hand delivered! which I think was posted via royal mail) The letter from the bailiffs stated i owe £200 as the for the PCN and court an legal fee due immediately. I was actually going to response to their letter today, but then saw the car clamped and i was charged £438 which had to be paid within 2 hours otherwise it would have been towed away at an additional charge. Had no choice but to pay and now am fuming over this ridicules fee which i cannot afford at the moment. Apparently once it goes to court, I don't get the court's decision and goes straight to a bailiff. Would appreciate advise on how i can take some of the charges back.
  25. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why each were misold. Before doing this I called Blackhorse again and requested a copy each credit agreement agreement they hold on file which they said ok but still fill out the form and send it back which I did. 2 weeks after sending of the form, instead of receiving credit agreements, I was sent each loans running Statements from the opening payments right up until the last. 2 do not show an indication of PPI. But the largest and earliest loan clearly stated PPI £1637.11 included in a total amount of £15,387.78 to repay back. This is on the first page of the statement. Ive keep asking them to comfirm and they keep saying that there is a strong indication and a final response would be provided The Final response date I was given was 18th February. But I received a letter today stating they need at least another 8 weeks to fully respond to the complaint. It’s quite frustrating that they are not providing a final response. I understand there busy and that’s why they have such sufficient time provided to them under their regulations. The reason they have provided for this responses is that they are busy and it hasn’t gone to the relevant departments yet. It funny because I’ve spoken to 3 different people so far during the weeks that have gone by and they have each stated completely contradictory stages as to where the complaint currently is positioned. 2 weeks ago someone told me it’s half way, a week later someone said it’s not even been seen yet by the case handlers and now they have decided to extend for another 8 weeks. I don’t know what to believe. I’ve mentioned to them that I’m going through hardship at the moment as I’m now disabled and require funds for a needed private operation and the money would come in very handy at the right time. Is this common practice or is there something more to it? Would it be wise to take the complaint to the ombudsman? What’s the best thing to do going forward? Given that there is records of each loan, whats the hold up? Could they be passing liability onto someone else, and would have they not of done that already to address the matter ASAP? Any advice or experience anyone has with dealing with Blackhorse PPI dpt is very welcome and I look forward to receiving everyone’s responses on how to best get a reasonable response in a reasonable time. Thank you
×
×
  • Create New...