Jump to content

Search the Community

Showing results for tags 'from'.



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
    • CAG Radio
    • 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 .....

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 1,772 results

  1. Hi all I'm new here have been reading a lot of threads because I need to deal with some old debts which I'm being chased for by DCAS. I have one problem which I need to address urgently and hoping to get some advice here . I had a credit card and loan in Dubai . Usual story, lost my job and had to leave. I only had agency work when I returned to UK so couldn't offer any repayment. I was initially chased by debt collectors in Dubai who didn't use very nice tactics to say the least . I eventually had to unplug my landline. I have now been contacted by CWD who have sent me statements and signed agreements and have also sent me an Information sheet and reply form . It says you have received this because a company intends to take you to court. I have read through all the threads relating to CWD and cannot find anything that relates to my problem. The advice I'm after is is this a pre court letter and do I need to fill it in and return. . Grateful for any advice
  2. 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 can park have recently changed which in my opinion is a little unfair I could in theory have checked the signs on Monday and seen 3 hours, parked again on Tuesday without looking and they could have changed it to 1 hour, a bit like entrapment in my opinion. I appealed to POPLA and they rejected my appeal and I have now received a letter from Civil Enforcement demanding payment stating if it isn't received in 28 days they will have no option but to start proceedings against me and will charge for costs, interest and fee's. Do I have a leg to stand on regarding there was no prior advice when entering the car park that the terms had been recently changed or do I just pay up? And just as an aside I now live in Saudi Arabia and would like to write to Civil enforcement requesting they write to me here as I have only seen these letters from pictures my wife has sent from the UK.
  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. 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 was wondering if anyone could assist me? I'm new to this and this is my first small claims case.
  6. Hi I received a Parking Charge Notice on my windscreen on holiday. We had purchased a ticket and displayed it correctly, but it was displayed backwards on the dashboard. I have a pic of how it was which, along with speaking to the next car, suggests it fell forward with the wind as the door closed. Yes, I know we should have triple checked but getting two young children out of the car and raincoats, bags on a miserable wet day we didn't. we now have a £100 charge notice. I have read on forums to wait for a Notice to Keeper (the parking company is member of IPC not BPA). From my research I think the right thing to do is: *Wait for Notice to Keeper, which should arrive by day 56 *Appeal, but do not disclose the driver *Appeal with Independent Agency, as AS parking are likely to deny the appeal Have I got this right? I do feel quite anxious waiting when I have the ticket to prove I paid so am I better to appeal now? IT does clearly state on their signs that ticket has to be displayed correctly, but it isn't a sticky ticket so Im guessing this problem has occurred quite often. I have private plates which I need to put back on my car- will this effect the parking companys chance of getting details from DVLA? Many thanks inadvance for all your help Nic
  7. 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, so possibly over 10 minutes. I have scans of the NTD and NTK in a word document with pictures of the car in the bay and the signage which is too high to see from a car, but I cannot make them into a PDF as I do not have the software or the know how and my PC is on it's last legs so I can't download any new programs. Happy to PM the word doc to anyone willing to help, but it's not redacted either so I will trust you! I suggested doing an appeal that the driver was parked in a marked bay allocated to the resident with the resident's permission which trumps any agreement they may think they have. Advice please guys? 1 Date of the infringement: 01/11/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date]: posting date 03/12/2018 notice date 05/12/2018 3 Date received : 05/12/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] Y 5 Is there any photographic evidence of the event?: yes - photos on www.paymypcn-uk.co.uk 6 Have you appealed? no - need some advice from you guys 7 Who is the parking company?: Parking Control Management (UK) Ltd, SL1 2XF 8. Where exactly?: Capstan Drive RM13 Google maps doesn't show the car park for the flats, car was parked in allocated bay for the flat it was visiting I managed to find someone under the age of 30 to do the PDF conversion on their laptop, please see attached for all the NTD, NTK and other info PCN info for CAG 01_11_2018_01.pdf
  8. 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 recorded today Thanks in advance
  9. 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
  10. 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 follow me to the back of the shop miss” i didn’t want to cry so I become a bit giggly and he thought as though I wasn’t taking it seriously . He was quite rude, which in a way he kinda had right to. He asked me to hand it over and showed me the box I had left by the side. It was him and a Superdrug worker. He then asked me what my name was and my address and if I had ID to verify it. I didn’t. Then he stated that he’d have to call the police then to verify it or speak with my mother. I definitely wasn’t going to let him speak with my mother so I showed him my card which verified my name, I gave him my date of birth, my mothers name but the wrong number for my mothers telephone. He told me I’m banned from that Superdrug and many other shops in town for the next 12 months and shouldn’t be surprised if I’m caught in one and kicked out. He thrn said that I’ll receive a letter to my house stating the cost of my fine he said it could be £80, £100, which I wasn’t happy about, as he left the price unclear. Then he said u can pay it all at once or in instalments. He then took a picture of me, wrote what I was wearing, my height and made me sign a document, but also gave me some sheets to take. He escorted me out the shop , and at that point I felt so humiliated and embarrassed . I do regret doing it considering it was only £2.40 and I will never do it again. But it I was wondering if you could help me with the following 1)who will the letter come addressed to and how long does it usually take to come ?(as I don’t want my mom to see it) 2)does it state every little detail about the crime or does it just generalise it? E.g “your daughter has been caught stealing” 3)how do they calculate the fine and if anyone knows roughly how much I may have to pay? And is it worth me paying it or just ignoring it, because I feel if I just pay for it they will leave me alone and I’ll be done with it and won’t have to worry.
  11. Hi i wonder if anyone can give me advice. I have received two summons from link financial ref to old defaulted ex barclay credit card debts. Can anyone give me any advice as to how to go about and what to do please? Any advice will be highly appreciated.
  12. 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.
  13. Hi Everyone, Tricky situation, but I'm hoping for some guidance, found a few bits of info on here. Unfortunately my father passed away last summer. I am joint executor (with my sister who lives overseas). Here's the background but unfortunately I don't have much paperwork - He had a small bungalow worth £225k but also a £162,500 mortgage. This was sold by GE money to him, aged 70, for 14 years (In 2004) - interest only. He wasn't great with money(his whole life tbh) and soon fell into arrears. In 2006 it was sold on to Engage Credit. We are about to finally complete on the sale, and once all his other debts are cleared there's not going to be much left. We have managed to get Engage to refund £320 in fees. We're trying to establish when GE sold it on. Engage say most of the fees were GE money. There are £3554.30 in fees, plus £2703.72 in arrears. I do have comprehensive list of the fees/arrears dating back to 2006, but its hard to see who charged what, and when it was transferred. I'm so angry with companies like these who mis sell to elderly people who clearly can't afford the repayments, and my Dad was v clever hiding the full extent of the debt from us. My questions are: 1 - Can I do anything as an Executor as the whole thing is so unfair? 2 - Why the mortgage for such a large amount was sold to a 70Yr old - as the house can't have been worth anywhere near that in 2004 - I think it must have been mis sold (He only had a state pension) 3 - How can I trace who sold the mortgage? Can I report them to the FCA?[/left] 4 - Can I claim back fees retrospectively from GE Money (I've read the 2010 ruling on here) or doesn't it apply if the mortgage holder is no longer alive? With many thanks and best wishes, Caroline
  14. Hi Guys Just joined the forum as had been looking for some advice regarding this issue. My partner is being pursued for a debt in Dubai in 2007. Until last week she had no contact with the bank since 2009, this being the year she left Dubai. We have just received a statutory demand from the infamous CWD which on advice we are going to set aside and dispute the debt they are saying is owed (over 180,000 pounds) from a c card debt of 18k. From what ive read many of you are in the same boat and we would just like a bit of advice whilst we share our experience to hopefully help some of you at the same time. Will keep you posted on how things go. My partner left Dubai in 2009 with around 18k of debt and until last friday had no contact with the bank in question. A guy came to the door and served a statutory demand on her and reading it we have 21 days to set it aside. I have read various threads on this forum and others and it seems there are hundreds of other people being chased by the same company (CWD). On doing a little research i have a few questions 1) as there is no reciprocal agreement between the UK and UAE can this be lawfully pursued 2) The timescale, can this still be pursued after 9 years ? 3) Will the setting aside of this demand require a solicitor to action this ? your help and advice will be truly appreciated thanks in advance
  15. 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) 3 Date received 17/1/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No I cannot see this on the PCN 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? {y/n?] post up your appeal] NO I have not appealed at this stage. Have you had a response? [Y/N?] post it up 7 Who is the parking company? Vehicle Control Services, VCS. (I think the address is 2 Europa Court, Sheffield Business Park, Sheffield S9 1XE 8. Where exactly [carpark name and town] Berkeley Centre, Sheffield, S11 8PN For either option, does it say which appeals body they operate under. It says on this PCN that any appeals would be handled by the IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE- BPA If you have received any other correspondence, please mention it here I have not received any other information but the letter does say that if payment is recieved within 14 days then I could pay £60 instead of th £100 they intend to charge. The letter also says that if I want to appeal I must do so within 14 days. I am not sure whether or not I have any sort of recourse here, it would be great if you could please give me some advice. Many Thanks, John.
  16. 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.
  17. Hi all! I have received a parking charge - I had no idea I need to pay there, as it is a retail park and those are usually don't charge for parking - I am never shopping there again, that's for sure! We have been in the shop for about 35 min. And now they are asking for £54 or £90 if I don't pay by 14th October! PCN's received through the post [ANPR camera capture] 1 Date of the infringement 22/09/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Date on the letter 01/10/2018 3 Date received - I don't know, hubby opened it and chucked the envelope out 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No 5 Is there any photographic evidence of the event? Yes, on entry and on exit of the car park 6 Have you appealed? {y/n?] post up your appeal] No Have you had a response? [Y/N?] post it up No 7 Who is the parking company? Smart Parking Ltd 8. Where exactly [carpark name and town] Havens Bank Retail Park, Exeter For either option, does it say which appeals body they operate under. I think it says to send appeal back to them, and if they reject, then POPLA is available - independent Adjudication service Any help is greatly appreciated
  18. Recently, DWP paid me 7,000.00 backdated payments for sickness / ESA claims as a result of numerous complaints made about 3 work capability assessments, each of which having a medical report made by a nurse which omitted information. 2 of the work capability assessments were recorded. The oral recordings of the assessment differed from the medical notes made by the nurse, this has been shown on 2 occasions when comparing the oral recording with that of the medical report. Pointing this out to DWP - I was ignored for several years, complaints being answered but nothing being done in respect of the complaints. To have a 7 thousand pound payment years after may seem great - reality is that it is all used to pay debts to family who supported me during the time DWP refused to. My data request is for a copy of a report made by a Dr. [redacted] who conducted both investigations into my last 2 work capability assessments. This doctor could not find anything wrong with either of my work capability assessments between that of the actual recording and that of the written medical report. Whereas, other medical professionals have noted several elements whereby the assessments are unfit for purpose. DWP refused to give me this data surrounding the doctor's investigation previously despite my many reminders. Again, in my latest assessment, DWP are refusing to give me this data. The data request was late (it needed reminding). Not only was it late, it did not contain any of the information I had asked for. I had asked for specific information surrounding the 2 investigations made by Dr. [redacted], this should have been 10 pages at the very most. What resulted was at least 3,000 pages (some duplicates) of the entirety of my comlpaints with DWP... In addition to someone elses name and national insurance number (totally unrelated to me) in amongst the data. I wish for specific data surrounding the doctor's investigation. I have an N1 court claim form - are there any templates I can use to make a claim under GDPR forcing DWP to comply with my request? --- The request is for data to aid in other complaints and essentially show that the assessment is unfit for purpose and even when complaining about it, a Doctor answers complaint saying everything is fine - when it is not.
  19. Hi, I had an agreement with MBNA where they would hold all interest, as long as I paid the debt off within 10 years. The amount owing was divided up in 120 months (10 years). However, in the mean time, they have decided to sell the debt, at the same time as our financial situation has changed. The monthly payments are now less. They write to inform me that I am in arrears. The DCA have said the following, is this right does anyone know?? The payment was set by MBNA, based upon, I assume a previous Income and Expenditure form at the point of being 'charged off' which means no further interest is applied to your account but it does mean that this is your 'normal monthly payment'. This can not be amended now as it was sold on this way. It is also less than the 5% normally applied to credit card accounts. And so, we are happy to accept your offer of payment but as it is does not meet your contractual payment the arrears will continue to accrue. We have a legal obligation to reflect accurate data to the Credit Reference Agencies, which also includes arrangements, missed payments and arrears and so your data entry at the credit reference agency will be updated with this information.
  20. 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
  21. 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
  22. 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
  23. Hi, I am new to the forum. Thanks in advance for any advice given. Student Loan Has Matured/ Full Payment Due within 14 days letter received from Erudio I am 45 years old and had taken out two student loans(95,96) and one (98) so under the old and new style loans. About 10 years ago I had arranged a payment plan (spread across all 3 loans) with student loan company (I think I was over the threshold to defer but was experiencing hardship). I had set up a standing order which remains in place to this day. When Erudio took over I received letter, calls , statements etc from them but have never contacted or corresponded with them in any way (just figured I am paying something towards the loan and was worried that if interacted with them in any way it would somehow trigger a new agreement or obligation, so just left it at that). I have recently received 3 letters within the last two weeks from them stating that my loan has now matured and full payment is due (aprrox £3600). Only after looking around on forums have I become aware of statute of limitations, but am I correct in thinking that my payment plan still running to student loans company constitutes acknowledgment of the loan? I believe that these payments continue to just beforwarded to Erudio (as I never signed or arranged for the payment to go directly to Erudio, only to the Student Loans Company details I had at the time). I’m wondering why there sending me letter so closely spaced, are they trying scare tactics to get me to contact them? I have other priority debts so do not want to pay this off if there’s a chance I could continue to do it over a longer period. Does it make any difference that I have not acknowledged anything to do with Erudio, accepted calls, responded to letters etc. Any advice is most appreciated. Thanks
  24. 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 funeral, I couldn't either pay them or provide the information they asked for in their time scale even if I wanted to. Are DWP even entitled to detailed information about the estate's assets or to demand payment/information so quickly? I was under the impression they were no more of a priority than the credit cards for example.
  25. I had an order of £300 that was not delivered and was issued a refund to PayPal, the item and the delivery charge. Since then, the order has been changed from not delivered to delivered. They are now charging me for the product even though it was not delivered. I have been getting texts on my phone telling me that payments are due but I'm a bit confused as to why this is happening if I was issued a refund earlier. I have not paid anything as of now. What I'm asking is how would I get this cleared up without having to pay anything and are they even allowed to charge me after they already issued a refund?
×
×
  • Create New...