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  1. Hi, I'm new on here and could do with some help, please. 12 weeks ago my friend ordered some parts for a roof extension he was making. He was verbally promised that the parts would be with him within the week. He paid a 20% deposit at this point. 9 weeks later the parts arrived and he was happy with them. 2 weeks ago my friend received a voice message from the company threatening court action if he didn't pay up. He then wrote to them (recorded delivery) to request an invoice as he planned to pay. This weekend they eventually sent the invoice for the amount plus £185 C
  2. 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
  3. Morning Everyone, I have decided to try help my family members out looking into what I believe is a secured loan. Apparently it first got taken out in 2007 with First Plus and it is now with Elderbridge. They have been paying the payments as usual for the last 12 years. The amount borrowed was £25,000 and after paying for 12 years the settlement figure is £20,000. How can this be possible! I sent Elderbridge a SAR request and all they have sent is a 5 page statement of payments since the loan was taken out. Now I am by no means an expert but surely a lot more inform
  4. Hi all, I'd appreciate some help/advice regarding the above please. On 29th September, I parked in a Euro Car Parks location. I paid by phone, and have the receipt/proof of purchase from 14:31 to 17:31 on that date (£3.20; £3 for parking plus the 20p service charge for using the phone service). According to their CCTV, I entered the car park at 14:13. I remember spending quite some time driving round waiting for a space, found one but re-parked (I couldn't get out; it was clearly left as everybody else had that issue!) so it took some time for somebody to leave. I now understand t
  5. Hi, I am worried to death. Last Thursday 27 September 2018, I became aware that I had not one, but three Notices of Prosecution (NoP) against me for speeding in the same location. They are all SP30s from consecutive days, i.e. 17, 18 and 19 September. Naturally I was shocked and confused by this as I had not seen a camera flash or any police speed van in the area and wasn't aware I was doing anything wrong, just going about my normal everyday commute to the office in line with the regular traffic flow. I went and looked for the camera on the road in question but couldn'
  6. Hi, I am currently going through the ombudsman stage, in demanding repayment of account fees for additions 2000(?) - 2004, additions plus 2004-2012 and no 'downgraded' current account with overdraft of £1, 700 and daily fees of 0.75p and £1.50 depending of if the overdraft is 0-£700 or £700 to £1,700. I have complained regularly over the years to Barclays but only had occassional fees reversed. The package account fees at worst were £192.00 per annum by 2012, whether in credit or not. In 2008 Barclays imposed a £1000 reserve with paid transaction fees on top of a pre-existi
  7. Hi, First post, must say this seems to be a great website. Looking forward to the great advice from the community! A bit about myself, I suffer from a couple of common illness's that cause fatigue. I have subsequently changed my diet, job, leisure activities, sleeping pattern etc. One of the things I do that helps, is to offset my commuting so that I'm not traveling in rush hour, in an effort to reduce traveling time, this might mean that once I am past the busy sections on my route, I might catch up on a couple of hours sleep. This brings me to why I'm posting, as the titl
  8. Hi, Went to a wedding last year? I honestly cannot even remember how long ago it was. There was insufficient parking space at the venue and my vehicle was parked in an empty cash and carry car park just down the road. We did not see any signs/ information informing me this was private property/ charges etc. I have attached a google street-view image of the area in question - the signage is very small and I can confirm on the day - a vehicle was parked in front of the sign - big enough that myself and 4 other members of my family walked straight past it and did not noti
  9. I hope I'm in the right forum for this. I've just made my fortnightly signing on at the job centre and saw someone I have not seen before. When I presented my usual print out of job application emails etc. (trial and error has taught me this is the most idiot proof way to present a job search) she advised me that I didn't have to do that and pretty soon they will be introducing 'group signings' where people attend in groups of about 15 and can just show their job search on their tablet or phone. Apparently they will soon not have enough staff to do anything more personal. 'You can ju
  10. Hi there, I recently fell asleep in a services area because I was too tired to drive. I then received a Charge Notice from the lovely people at CP Plus. Below is the relevent information for my case. Any help would be very greatly appreciated. 1 Date of the infringement 11/2/18 2 Date on the NTK 20/2/18 3 Date received: Didn't note, just screamed profanities. 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No, it mentions the Data Protection Act. 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? I
  11. Hi all. I'm the registered keeper I received an invoice from CP Plus for £100, reduced to £60 if payment is received in 14 days, the 14 days already passed, therefore, they expect me to pay the full £100, It says if the payment isn't received within 28 days, an initial debt collection charge of £40 will be incurred. They sent me the invoice after 20 days of the date of notice, as far as I know it has to be received by the registered keeper within "14 days" under the PoFA2012 legislation. In addition, they sent me the invoice with a camera captures of the car en
  12. Hi Again I come to get great information and help. I was with PayPlan Plus for about 5 years, paying £22+ per month for payment protection. My questions are ... 1 ... Can I claim Payment Protection from a Debt Management Company even though it was a free plan 2 ... Can you advise of the address of payplan as i have since emigrated and no longer have anything from them 3 ... If successful They are not allowed to pass this on as a split to the creditors are they Many thanks for your help again. Very much appreciated especially as I no longer reside in the UK. Grumpy
  13. Can anyone advise as to why the following as I'm baffled �� Took out a secured loan back in 2005 with Barclays plc (firstplus) unbeknown to me it was secured on my house (I was young an niave at the time) only found out it was a second mortgage when I sold my house and solicitors advised of the 2nd mortgage �� What I'm querying is why I signed an agreement in 2005 with Barclays plc on the loan agreement then in 2008 I was forced to sign another agreement for the same loan but this time the headed document was with Barclaycard? The interest rate was higher. First agreement for a
  14. Thanks for the info. I have a letter from them about a 16k debt. They are threatening to repossess my house. Should I follow the instructions above in regards to a SARS and the CCA Request? Should I refrain from calling them? Thanks
  15. Hello all, I am hoping to get some advice as to how to proceed with my complaint regarding barclays bank charges on my account. My history: Since my original account was upgraded to a First Additions account in 2006 with a personal overdraft I was under the impression at the time that increasing my overdraft limit incurred fee's onto the account and was paying initially £5 per month until upgrading in 2006 with a larger limit for £11.50 per month. My account was upgraded again to £14.50 a month (additions plus), and i cannot recall if this was automatic or whether I was gi
  16. Bough a Samsung Washer Dryer from AO.com November 2015. It comes with a 2 year warranty. Bought using AO's finance to be paid over 2 years. So 6 months warranty and 6 payments left. A few months ago the dryer started becoming less and less effective. It has also started vibrating badly despite my efforts to relevel it. Then 2 weeks ago half way through a wash it stopped with an error leak sensor detetor. Water trickles out from under the machine and it won't work. Phoned Samsung on the Friday and they sent a 3rd party engineer out on the Wednesday. Engineer says the deterg
  17. I am a little concerned as I have insured a friend to drive for me whilst I have an ankle injury. We was heading down a dual carriageway where roadworks were happening, lots of cones throughout this 2 or 3 mile stretch which is usually 60 in to a 70mph zone. To be fair he stuck to 40mph for the majority of the road, however there were only three signs stating maximum speed as 40, these were yellow signs with just text and not the usual type, also not the easiest to see as it was raining and there were tons of differing signs. These only covered the first 1/4 of the dual road which had now been
  18. Hi, I took one of these out back in the day around 2000 maybe..? I phoned them today to put a claim in. The lady asked me a few questions and said they had a £3600 amount on file. She is going to send me some paperwork. I defaulted on the account and it went to Cabolt finance. I can't remember why i didn't pay it but they will ask me in the paperwork they send I am guessing. I think it maybe because i split with a partner and moved back down south which meant i quit my job. I don't think that is a reason they would pay out on is it as I intentionally made myself unemployed
  19. Morning everyone Back in October Myself and another friend popped into see a friend and drop off/collect some bits and pieces at his flat from a project we working in together. At his estate there are many residents bays for the private owners and housing association residents plus a small area for loading and unloading items as its a fair walk to the flats across the garden if you've got shopping etc As I was just dropping bits off I stopped off in the loading and unloading area which is not at all sign posted, no warnings etc, got on with with seeing my friend
  20. Hi, I was driving back from London home to Somerset, and due to a long day pulled over to the service station to take a rest. I fell asleep in the car and stayed there for 3 hours 22 minutes. They have sent me a charge notice saying I was parked over and above the time allowed without payment and have sent an £80 charge notice for this. However, the notice has a photo of my car arriving, and my car leaving, but no photo of me actually being parked. Surely there is no actual evidence that I was ever parked in their car park, and that I could for all intents and purposes have been
  21. Hi all. I used my wife's car last week for an appointment at the hospital. I didn't see any parking meters but then again I am not very observant at the best of times. She has now received a letter from CP Plus asking for £15 if paid before a certain date, which has now passed. Please can I ask if I have to pay this and does she have to tell who was driving the car? Thank you all.
  22. afternoon all, after a bit of advice. I have got a PCN and im thinking i may have to pay this one but as always, i like to get your advice before doing anything around parking tickets. I overstayed by an hour in the services at MOTO swansea west and ive been sent a NTK in the post. I hold my hands up, i overstayed. Reason being im a fireman and i was lift sharing with my mate as we only needed to drop some stuff off at the station, thought we'd be an hour tops and we ended up being longer because there was a call. I think if i appealed this one id be re
  23. Hi Everyone, As the title says, my car (I wasn't the driver - really!) got an £80 Penalty Notice from CP Plus while parked at Hampton Court Railway station car park. The reason for the penalty was given as code '03' - which is "not displaying a valid pay and display ticket " even though a ticket was purchased and on display! Thanks in advance for any help/advice on this one?
  24. I live in Scotland Last autumn I parked in a retailers car park and done some shopping at that particular retailers. I was gone for just under an hour and then drove home. A few weeks later I received a parking charge notice stating I had overstayed my 2 hour limit which was untrue. I wanted to contact them but I was advised not to contact them what so ever. I've ignored a few of their letters but have just received a threatening letter from a DRA called Debt Recovery Plus. What's the best course of action?
  25. Hi guys, I was in the fortunate position of being referred to the WP a few weeks before I was due to sign off. I had two meetings at People Plus where they tried unsuccessfully to get the details of why I was signing off. I signed off due to “Personal Reasons” so the DWP wouldn’t pass the information on. This was over a year ago and People Plus have been making me appointments that I’ve just ignored. They continue to make appointments and have tried the sanction threats and have started to get increasingly desperate with several home visits. I even got offered shopping v
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