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Found 2,906 results

  1. 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.
  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. 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.
  4. 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
  5. 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
  6. 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?
  7. 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.
  8. 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.
  9. 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
  10. 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.
  11. 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.
  12. 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.
  13. 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
  14. 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
  15. 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
  16. 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.
  17. 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
  18. Hi, I will try and explain the scenario that took place between my wife and PayPal as best I can. One morning, my wife was contacted via Facebook messenger by who she believed to be a colleague at her workplace. This was before Christmas and the colleague explained that her PayPal account had restrictions on it and asked if my wife could accept money into her PayPal account for items the colleague had sold to help with the cost of Christmas. Being the ever pleasing colleague she agreed. After the money appeared in my wife's PayPal account, she was instructed to then withdraw to her own bank account and then transfer the money to another bank account provided by the work colleague. This was all completed without any issues. She arrived at her work that morning to be told by her colleague that there was never any request to move money by her and that her Facebook account was hacked. There were two payments made in to my wife's account, both approximately £490 pounds. All money had passed through so we though it was very strange, maybe laundering, but just moved on as our own money wasn't at risk. A few days later however the second payment of £490 was declined, leaving my wife £490 down. We didn't really understand what happened but we assumed the account from which the funds were sent was either hacked as well or they were dodgy too. We contacted our bank to find out where the final destination of these funds went, and to log a case of fraud, but it was a German, online bank and they have yet to enter successfully into dialogue with our bank, so nothing is progressing. And we don't expect it to get anywhere. We now have the PayPal debt collection agency chasing her which we are not happy about. We are also not happy about the fact that no one at PayPal, the bank or any of the other fraud organisations is willing to look into the case in any more detail, despite this transpiring to be quite a common [problem]. Should we stick to our guns regarding this or will that be futile? Do Westcot and/or PayPal take these kind of things to court? Will this effect my wife's credit? I would also like to point out that all conversations that took place on Facebook etc have been recorded and ready to be shown to anyone who needs to see them.... Thanks in advance. James
  19. https://www.ispreview.co.uk/index.php/2019/02/6-years-on-uk-isp-supanet-chase-former-customers-for-unpaid-bills.html A number of former Supanet (Supatel / TimeTalk) customers have been in contact (with ISPreview) to complain that the ISP has recently started chasing them for alleged unpaid bills, some of which include vague demands for up to nearly £800. In most cases those being targeted left the broadband provider 4-6 years ago. From Linked Comments "This all relates to former Time Computers and the subsequent string of offshoots, where money (quits a lot actually) moves in and out of the UK via Jersey. Broadly, there is Supanet, Internexus, Tpad and 6G internet."
  20. name the issuing court: Kirkcaldy Who Is The Claimant: Cabot Financial (UK) Limited, Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP Who Are the Solicitors: Simon Nolan (Nolan’s Solicitors) What type of action? : Simple What is the claim for – 1. on 21/09/2015 the Respondent entered a credit card agreement with NEW DAY LTD under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974.. 2.The Respondent failed to pay as agreed on demand and is in breach of contract with the said NEW DAY LTD. The said supplier assigned all rights in the said debt of £3079.52 is the sum sued for. 3.The Claimants have made frequent requests to the respondent to make payment of the said sum but the Respondent has refused or delayed to do so. date of raised claim :- 20 November 2018 Last Date Of Service:-14/12/2018 Last Date For Response:- 4/01/2019 What Documents are listed in Box E2 1. No defence – No evidence required. 2. No Stateable Defence (rule 4.4 breach) 3. Defence on Prescription- copy statement of account only. (Agreement must be admitted to plead prescription. So agreement not required.) 4. Denial of Agreement – Copy agreement dated 21/09/2015 N.B Generic rule 8 order should never be issued. The facts of each individual case must be considered. It should never be appropriate to have to plead such as assignations or default notices until/unless specific defences are led. The salient feature of assignation is that it does not require the consent of the defender and the averments in this form are sufficient to confirm intimation. Default notices should never be plead due to Omnia Praesumunter Rite Acta Esse (trustees of the Scottish Solicitors Staff Pension Fund v Pattison & Sim, CISH 96 and Trayners Latin Maxims, p419 420) The claim is for a credit card from Aqua BOX D5 what has the claimant stated: The claimants request that the court order the respondent to pay the sum of £3079.52 When did you enter into the original agreement before or after 2007? AFTER 2007 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.:- It is the debt purchaser who issued the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Not sure, sorry. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - Not that I have noticed When was you last payment:- 23 June 2017 Why did you cease payments:- I could not afford the payments, I lost a lot of work and my income went down so low that I was unable to keep up the payments. Was there a dispute with the original creditor that remains unresolved? NO, but I dispute the amount I am being pursued for on the basis that my credit limit was only £1500 yet they want £3079 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? Yes, I offered to pay £10 a week and although they did not formally agree I continued to pay the £10 until June when I simply could not afford it. I have been served with this Form 6A, the simple procedure for notice of claim from Cabot regarding an Aqua Credit Card I had. I have no idea what to do as I am owe money but not £3092, my credit limit was only £1500! Can anyone advise? I only have a few days to respond and dont know whether to ask for time to pay (I have very little to spare, if anything due to my current financial circumstances) or to dispute the claim and stating the reason as being the amount is in dispute... I have filled out the parts requested to the best of my abilities any help is appreciated, i did not realise the date to respond is 4 days from now so im a bit panicky.
  21. Hi all, I have recently moved to the Winterthur Way development in Basingstoke. I rent a property which includes a parking space. It wasn't until I moved into the flat that I was given a parking permit and told to use it when parking in my allocated space (This was something that was not mentioned in my tenancy agreement!). After moving in I received 2 x £60 parking charge notices for using visitors spaces (Returning within a 48 hour period) to drop off my furniture. I used the visitors space as I had to use a different car of a suitable size to drop the furniture off. Also my space isn't near my flat its further up the road. I kind of understood as I could have possibly been using a space that someone else could have been using, all be it for a very short period of time. After paying these two charges from PPM I thought it was over ! Two weeks later as a result of having to pay £120 to PPM straight after moving in I had to do overtime at a weekend so I was able to pay next months rent. The overtime meant staying away with work from the 8/07/2017 and returned on the 11/07/2017. When I returned on the evening of the 11th I have been met with 2x PCN from PPM on my windscreen whilst I was parked in my own space. Straight away as I approached the car I have seen my permit was not stuck to the top of my windscreen where it was before I left. Both PCN's are for 'Not displaying a valid permit' one for 09/07/2017 & 10/07/2017. I thought this surely wont be an issue I will just send them evidence of where the permit had fallen (A video from my phone was sent) also a picture of my valid permit. After all it is my space and unlike the visitors spaces I could not have inconvenienced anyone as it is 'MY SPACE'. They should just accept that and cancel the charges. To my surprise I have an email from PPM stating my appeal has been rejected ! PPM is now giving me the option to appeal to the IAS but from my understanding I don't stand a chance appealing to them either? I don't really have the cash to pay the 2 x £60 at a reduced rate. Let alone £200 if the appeal to the IAS fails. However I really do feel they can't do this. Any help is greatly appreciated. I understand I probably haven't included all the information you guys need to help but I am also not sure where to start. I have included the response from PPM in a ZIP file with my name and REG edited out. Just let me know what you need and I will post it up ! Regards, tissot docs1.pdf
  22. 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
  23. Hello My friend made a personal injury claim after a car accident at the beginning of last year. The 3rd party & insurance company accepted 100% liability. She made a claim for personal injury due to neck pain/whiplash through Irwin Mitchell. In July 2018, an approximate settlement was made to the value of £3000 odd. My friend received £2700 and the rest was taken in fees by IM. On Saturday she received a letter from IM with a copy of court documents headed 'EUI Ltd v ********' - the papers state that they are not disputing liability but they are disputing the amount paid to her for 'special claims' and want to recover that money plus costs - amounting to around £3400. She spoke to IM who said that it 'probably' won't go to court. Not very reassuring, to say the least. She is really scared that they will take it to court and make her pay that money back (which she doesn't have as it has been spent!). I thought that once the case was settled and a settlement paid out, that was it? I think I might not be as educated as I think I am! Any thoughts? Incidences of this happening before? Outcomes? All help greatly appreciated. Thanks
  24. Hi everyone my sister got a letter on the 6th of feb saying she owes £173 for a parking ticket that happened in October last year. It says a warrant has been put though from the courts but my sister hasn’t received any other letters about this. This is the first she’s heard of the parking ticket. With her being on benefits and not having the money to pay I was thinking of sending a n245 form but don’t no what court to send it too. Ill upload a copy of the letter. Any help really appreciate. Thanks Andrew E007F505-5A47-4D11-99C1-143F8339C132-converted.pdf
  25. Hi, I'm looking for some advice on a PCN that was issued last year 07/09/2017 for parking at Croydon Poplar Walk car park. I did park there on the 7th September, and didn't make the payment as I think my phone had issues (or I forgot) and called up the number the next day when I remembered on the PaybyPhone site/board to ask how I can pay for the previous day as when I checked the website I couldn't find any other contact number. The operator told me she couldn't help me as there was no mechanism to make a back dated payment. I've parked in the same car park multiple times and always made the payment. When the first letter came, I remember vaguely I called to say I tried to make the payment the next day, but they wouldn't have any of it, and said the notice in the car park says clearly that the payment needs to be made within 30 minutes of parking. I tried appealing on the call saying I had tried to make the payment the next day and explained I'm more than happy to pay the parking fee with an appropriate interest for it but the fine of £60.00 seems a bit steep, but they didn't budge. I tried to search up the actual legal owners of the car park, but couldn't find any details for them. Subsequently, I got a few letters from Civil Enforcement where the money owed kept going up, but after trolling through a few sites which recommended ignoring these letters, that's what I did. Then I got a few letters from ZZPS which had threatening tones (and amount kept increasing, all of which I threw away) and then got a couple of letters from QDR solicitors, the last one dated 25/5/2018 threatening stated they would obtain a CCJ, which I kept. I didn't do anything, as after looking up similar letters the general advice seemed to be to ignore them. Last week I got a Claim form from County Court Business Centre, Northampton dated 11/10/2018 which looks very legitimate as it has the county court stamp (albeit a bit faint). The amount now states £331.59!! Feel like I should've just paid the £60.00 last year. It seems a bit unjust that a £5.00 parking fee should end up having such a huge fine!! What should I do? Any help will be greatly appreciated. I've attached the first page of the claim form (it has 4 pages in total with page 2 being a 'Response Pack', page 3 is "Admission (specified amount)" - lots of sub-sections and is double sided ending with a declaration. Page 4 is "Defence and Counterclaim (specified amount)" - also double sided with lots of sections. I've also attached a scanned copy of the letter from QDR solicitors. Please help me.. feeling very anxious now! Kind regards Al
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