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  1. Hi all, this morning I received a charge notice from CP Plus for staying too long at Donnington MOTO services. I have to say I have never been before and was concentrating on where to park so never even considered a time limit. Its not often I use services and assumed there would be plenty of time. I now know I was wrong. I stayed 2 and half hours according to the in and out time. It was about 3 weeks ago, so I cant honestly remember. From what ive read they have to send the letter within 14 days - which it isn't. so guessing I either choose to ignore or appeal on
  2. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  3. Hi all, I have received a letter out of the blue from cabot regarding an HSBC loan, allegedly in the sum of £11,045.93 I had this loan with HSBC but have had no default notices, NOA or anything from them since I fell on hard times in 2010 and had to stop paying. It states that it is an important notice and that after several attempts to contact me (in reality, none have been made or succesful) they are allegedly going to take legal action against me! What is the first step in this - letter states that if I do not call within 7 days of the date of letter (10th March) they wi
  4. All documents are here: http://www.scotcourts.gov.uk/rules-and-practice/rules-of-court/sheriff-court---civil-procedure-rules/simple-procedure-rules Below are those relevant to DCA/Debt Buyer Claims with specifics highlighted within them. Some interesting musings... The DCA HAS to state the documents they intend to rely upon within their claim. [box E2] It is heavily directed toward the claimant/respondent dealing with this via ADR outside of court There are no immediate court hearings/if any at all...the sheriff is directed to r
  5. Hello all, in January I parked my car in the car park I usually park in which for many years has been 3 hours free parking, unbeknown to me (until I received the parking charge letter) in mid December the time was changed from 3 hours to 1 hour. Where I enter the car park from the road there is the sign stating the terms and conditions but no 1 hour sign, they are dotted around the car park but when I leave the car park I leave via the same entrance and therefore don't see that they have changed the hours. There was and still is no sign anywhere stating that the hours you ca
  6. Attached, in case anyone wants to cross refernce or similar santan112.pdf
  7. This is what Lloyds have sent me, clearly not the original as the font is exactly the same as on the new 1 and it looks like it was literally printed yesterday, shocked really as I only sent the letter friday but theres a copy of this, the current terms and a statement. Now i'm no expert but I think this is probably what they send everyone, how do I know this is what I agreed to?. Confusing as hell though, "see condition 8" etc. Clearly deliberately written with the intention of making little sense, but please can someone have a look.
  8. Hi, I wonder if you could give me some advice about a PCN I have received today. Having seen one of your previous responses I have answered the same questions in order to assist below: For PCN's received through the post [ANPR camera capture] please answer the following questions. 1 Date of the infringement 30/12/2018 @ 13:59 (Letter calls this contravention date) 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Issue Date 15/1/2019 (it says 'posted' ? in brackets at the side of issue date
  9. 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
  10. Hi all, Right! - this could be a difficult one. My wife has a Lloyds bank Trustcard credit card which goes all the way back to 1988 and has PPI on it throughout the 30 years it's been in existence. Now, the CC is still active although the balance is now zero as i managed to finally get it all paid off around June 2013. The card was originally issued as a Cheque Guarantee card for her current account. This was issued when she opened the current account. What wasn't initially obvious was the fact that it was also a credit card with a separate credit card account.
  11. Hi, I have just received a letter and form from Lowell Solicitors regarding a mail order catalogue for just under £900. No payment has been made for 3 1/2 years, account taken out around 2010. It is saying if I don't reply or make payment within 30 days they will start court proceedings. Any advice on how to deal with this? Thanks JJ
  12. Hi, I have a similar thread on Barclays. I have some old credit card charges on my Cahoot card from 2002/2003. I have the statements!!! I have plugged the charges into the compound interest calculator and the total comes to: Charges: £275 Compound interest (24.99%): £7842 Total: £8117 Do Santander/Cahoot settle eventually or are they courtroom bruisers?
  13. All documents are here: Ordinary Cause Action for over £5000 http://www.scotcourts.gov.uk/taking-action/ordinary-cause the important ones are attached to this post Period of notice after citation ......time you MUST reply by: 3.6. (1) Subject to rule 5.6(1) (service where address of person is not known) and to paragraph (2) of this rule, a cause shall proceed after one of the following periods of notice has been given to the defender- (a) where the defender is resident or has a place of business within Europe, 21 days after the date o
  14. Hi All, I'm not sure if I have a problem or not really! I keep getting calls from people asking about our loan with First plus and whether it had PPI on it, with all of them I have told them that there is no PPI showing on my agreement and that was the end of it, but today someone called fom FusionConsumer solutions and told me that although it does not show on the agreement First plus may have been adding it into our payments!! She asked when I took the loan out which was approx 2006 for £100,000 and what our payments were, then she worked out that we were paying approx £500 per mo
  15. 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
  16. My home was repossessed following a relationship breakdown in 2008 by Birmingham Midshires. I was contacted in 2009, 2010, 2012 and 2013 by BM debt collectors chasing the shortfall and each time I did not acknowledge the debt but i did request clarification on how the shortfall came about in a letter from a solicitor I received in 2010. In all my correspondence I highlighted I was not acknowledging the debt to BM or to their representatives. Two weeks ago I received a letter out of the blue from Moorcroft chasing the same debt again and then the weekend just gone I got a chas
  17. Hello everybody I hope you can help me, today I received a letter from DLC regarding a very old debt from Black Horse Ltd (original loan was taken out through Chartered Trust way back in 2000/2001) with the amount owing of £1,886.59. The letter is as follows: Dear XXXX Your account County Court Claim Number XXXXXXXX We have been trying to work with you in resolution to the above claim for which we have obtained a County Court Judgement. As there is still a balance outstanding, your account has been placed with Cabot Financial (Europe) Limited to act as the agent
  18. Hello everyone, I have recently issued a small claim against a company, but do not want to go through with it any further. The defendant did issue a defence and requested for Mediation, but subsequently changed their mind. I was wondering if I can still issue a Notice of discontinuance (N279) form before the case being allocated to a track? If yes, which court do I write down? Should I send this via post to the Money Claims centre in Manchester or via email? I have been utilising the new beta Money Claims service, which does not provide information on the matter. I wa
  19. 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
  20. Hello, I've found that I had kept every bank statement from mid 1980's to 1998 with Nat West. I had a couple of mortgages, several loans and what appear to be excessive bank charges, I will send an SAR, but it is likely that I have more information than they hold, unless they're very good at archiving. During the course of reading each one I found various bodies who had received money regularly from me, but I don't have a clue who they were/are, some seem to be directly connected to the bank account. I would appreciate any help with identifying the following, I have tried g
  21. Not sure if this is benefits or should be somewhere else. There is an outstanding debt to DWP for an overpayment which my relative had been paying off slowly for about 10 years. The relative died recently, and I am dealing with the estate. Within less than 2 weeks from the date of death I had quite a stroppy letter from DWP demanding immediate repayment of a sum about double what I had expected or alternatively providing detailed information on all of the estate's assets in a form to be returned within 7 days. Leaving aside the sensitivity of contacting me even before the funer
  22. Hi guys/gals its been awhile since I posted and needed any help so bare with me. Lowell have bought an old Vanquis debt, I have had loads of letters and ignored them, I haven't had any contact with them on the phone either so I've not acknowledged any thing. On Saturday received court papers, I have registered with money claim AOS as I want to defend. I was told about a 3 letter process to send to Lowells solicitor but don't know what the letters are. Any help greatly appreciated, thanks.
  23. Hiya all I’m Applepie123 I’m only 16 and I went into Superdrug and wanted to just take an eye brow pencil as I had lost the one I had ACTUALLY bought so I thought I’d just take it out the box and leave the box with the barcode. Unfortunately, I didn’t notice that a man was watching and if I’m being honest I didn’t care because he looked as though he was part of the general public. So I carried on and walked out the shop. As I was waiting for a friend I decided to stand by the side of the shop (which wasn’t smart) and there the man came and showed me some badge and said “can u follo
  24. Hi Guys, posting for a friend who needs more than my advice to be reassured what to do, she is on the verge of paying these people! Windscreen ticket in a marked bay for council flats, marked bay was allocated to the resident who was in the car, google nosey neighbour doesn't show the flat's car park as it's gated. The driver was giving the resident a lift home with a baby and helped them into the flat and came out to a PCN, there doesn't seem to be a 'from' and 'to' parking time and the driver says she was only there long enough to drop the baby and shopping off and come out,
  25. Hi I have received a claim form from Hoist portfolio. The particulars of claim the debt was legally assigned by Santander to the claimant and notice has been served. The defendant has failed o make contractual payments under the terms of the agreement. A default notice has been served upon the defendant pursuant to section 87. it is for £8000. I have acknowledged the claim & drafted a CCA & CPR. Is it just these I should be asking for copies of. 1. Agreement / Contract 2. Default Notice Any advice would be gratefully received as would like to send reco
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