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  1. I was wondering if you knew how the registration number is displayed on the parking ticket that you get from the machine & display in your window ? (Full Reg, Partial, etc) My mum initially received a letter, for the same car park, stating she didn't pay enough when we sent the evidence in they now claim she didn't enter her registration number correctly but haven't given us evidence. Her ticket only displays the last 3 digits & I wondered if that was correct or if it should show the full registration. Thanks for any help you might be able to give.
  2. Because the Great British Bake Off was successful, the BBC have since adapted the format for tailoring and gardening. Tonight it is being used again for pottery. What next ? Great British Home Garage Mechanic challenge ( where they are given various car problems to fix) Great British DIY/Home maker What is the next hobby to be adapted into a programme ? The people who came up with the format have made millions.
  3. I am acting for my son who has debt running to £112 000.00 including interest. he started with a £24 000.00 mortgage in 1994 and has now told us he can't make the repayments to NatWest. His original mortgage repayment was £113.00 per month and he brought home £1000.00 p/m. Now we find his repayments to the bank for mortgage is £399.00 + £250.00 for a fixed loan including £6000.00 PPI. His take home pay is now around £1300.00. One good thing is he has kept all his paperwork faithfully, but only two years of statements. It is such a complicated situation and so long standing that I don't quite know how to begin. I have been sitting on this for 4 weeks and researched, taken advice, been to see and taken a huge lot of action to stop: 1. Fraud (a pal ripped him of for years) stopped the fraud, informed police and regained a portion of the money, enough to make a difference. 2. Stopped all direct debits, all 21 of them, most to NatWest 3. Cancelled all PPI although they are still charging him money as they say the early years are less because of the type of arrangement. He will still pay £18.00 a month for the next 7 years. 4. Stopped Life insurance (Natwest) 5. Stopped PPI on mortgage a monthly payment of £26.00 Mortgage balnce now 57k from 64K 2007. 6. Stopped house insurance £28.00/m NatWest 7. Put BT on the lowest contract available 8. Put Orange on the lowest available 9. Ripped out emmerison heater and tank, doesn't need all that wasted hot water to shave and wash, uses power shower to bathe 10 Arranges cavity wall and loft insulation to cap heating bills this winter, Swalec have helped and he pays only £187.00 for their service 11. Arranged for a water meter, 2 weeks time, should save £20.00/m 12. Sold gus guzzler van and bought new car on HP , petrol is now 63 mpg. He has to have a reliable car to keep his job and his van was 13 year old and beyond repair for the MOT. If the worst happens the HP can reclaim the car. 13. cashed in his ISA of £1300.00 and used that to bolster his cash flow 14. Cancelled his credit card, his charges and PPI with interest came to 79% over a year. 15. cancelled his Advantage Gold account £13.00/m 16. stopped all payment for things he doesn't need. Before these changes his outgoings were £500.00/m more than his income, his income is now £228.00/m in the black but it is very tight inded. We (his mother and I) reckon that if he can hang on for one year he may be able to turn the situation around. but this depends on him getting a raise in January (£1000.00) and the economy turning around so that he can work overtime (£1000.00 pa- £3000.00 pa). He has two major loans: 1. Mortgage of £64 000.00 + Interest taken out in 2006 by the adding of £17 000.00 to an existing mortgage of £40 000.00 the PPI on this is monthly and around £28.00/m, this one we have stopped. The repayment of this is £399.00/m +PPI intalment now stopped. 2. £17 000.00 fixed loan taken out because he could not repay the mortgate taken out the year before. Together with the upfront PPI and interest adds up to a repayment of £30 000.00 over ten years. the monthly repayment in total was £250.00 now as we have cancelled it down to £218 p.m. the repayment without the PPI should be £200.00/m He started in 1994 with a £24000.00 mortgage and a monthly repayment of £116.00/m. It seems he got into the habit of financing small loans to pay of existing loans, all with PPI. So PPi has constantly been added to the ne laons, the conclusion isn obvious he is funding evrything on the basis of a salary and raising hosue values. He lievs alone, is not on drugsm cigarrtes or alcohla in fact he lives like a monk and his house hasn't been touched since he bought it. I have photographs. His only weakness is his guitar playing and his group, his music collection and the odd girlfeinds that walks into his life. I banked with NatWest for 40 yearsand so did my father, I sort of expected that they would look after my son. He is 40 but it seems fiancially illiterate. I have written to NatWest explaining the situation and asking for help in dealing with this matetr. They have written back saying they await my formal complaint with figures. I have told them that my complaint will be along the lines of: 1. Misselling of PPI 2. Lack of care with the Gold account 3. excessive lending, carless. 4. Unfair charges on credit card I am actually trying to formulate a plan to sue for: 1. They have not shown due care and dilligence in providing loans witch with a little effort they could have found out as I have done that he was being defrauded andn that his cahflow could not sustain his borrowings. It is nobvious that he is refinancing to borrow. He in fact told that to them and they then sold him upfront PPI of £6000.00 including interest. 2. Under the terms of the Advantage Gold account they promise to use data on his borrowings and on his usage (statement) to monitor for fraud and to recoommend action. They have not done this and he paid them £13.00/m. I should claim all this back to 2002. 3. Since the bank has added PPI from previous loans and other finance companies this has esculated the debt problem and is clearly unfair. i would expect a court to declare the loan unenforcable due to this unfairness as the agreement is under the consumer Credit Act 194 with ammendmenmts (17K loan) 4. The credit card charges are unfair as they are part of the Advantage Gold account and they should have warned him about these charges and interest if they were monitering his usage. They say that they use theinformation to consolidate a relationship, I reckon that relationship was one way and without due care and diligence. I am wondering if I have a case to stop payment on everything and let them sue him? I desperatly need a buddy on this and would appreciate anyhelp. Thanks Ieuan
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