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  1. Hi hoping someone can help/advise, I received a CCJ for the amount of £2802.71 for a credit card. England based. I can't pay this and on the form it does not tell me how I can pay this off in instalments. I have lots of debt which I am dealing with but this one slipped through, my fault totally. Any advice on how I should proceed would be much appreciated. Many thanks.
  2. 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.
  3. Name of the Claimant ? Cabot Financial (UK) Limited Date of issue –. 30 October 2018 Particulars of Claim What is the claim for – 1.By an agreement between HSBC Bank PLC & the Defendant on or around 15/09/2014 ("the Agreement") HSBC Bank PLC agreed to loan the Defendant monies. 2.The Defendant did not pay the instalments as they fell due & the Agreement was terminated. 3.The Agreement was assigned to the Claimant. .THE CLAIMANT THEREFORE CLAIMS 1. 7042.65 2. Costs Have you rec
  4. 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
  5. Good evening, I have received a letter from MET Parking Services starting that a fine is now overdue, the problem is, no initial letter was sent. They are demanding payment within 14 days, what is the best way forward. I go to Stansted a lot and I'm not 100% sure the charge is genuine as it was from a few months ago. Date of incident is the first week of November and this is the first letter I have received regarding this (today).
  6. 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
  7. 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 a
  8. Hi all, can anyone recommend who I should structure a PCN appeal given this situation? One half of the road (where I usually park) had its resident parking suspended temporarily for works, so on Friday I parked on the other end of the road. Having returned to my car for the first time today they have re-opened the usual half and suspended the half I was parked in. Because I hadn't been to my car in 4.5 days I had no idea they had moved the parking suspension. My partner and I are absolutely certain there were no suspension signs where they are now currently - we made a point of looki
  9. Hi all, I have submitted a GDPR request to Cabot for an old credit card debt which I was paying of as part of a DMP I had until a couple of years ago (and stopped paying as I did ask for the CCA and cabot did not comply). Cabot provided all the information they “had”. They provided (as part of the GDPR the CCA ) however there is no mention or any confirmation that the debt was passed on to them or any correspondence made by them that they now owned my debt (i.e from the previous company, initially Egg, then “according to the notes I could find from Cabot “ idem but ab
  10. Hi all I'm wondering if anyone can help regarding a Single Justice Procedure Notice regarding driving without insurance. I was stopped by the police for having no insurance which they had checked on their database. I have not had insurance for a while as I cannot afford it. I have done my best to drive my car very sparingly, infact have only driven a couple of times. To summarise, my vehicle was impounded and has been scrapped. I received the SJN and have plead guilty within the deadline of 21 days. I did not write anything in terms of mitigation as I feared it might be used aga
  11. 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-converte
  12. The father of my 2 children has not made any payments for nearly a year, every time I call the Child maintenance line they seem to say something i different. He earns good money and not only that now has another child with his new partner. He does not see his children (my children) and hasn't for nearly 3 years (rather horrible reasons I wont go into) . When I spoke to child maintenance team last year they said its with the enforcement team (as he now owes £2500), just now they said its with the team to be processed but they are very busy and dealing with it in a queing system. Ive told
  13. 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 fro
  14. Good morning all Have been an avid reader of CAG for some time. I currently have an alleged debt with shop direct which is being dealt with by Lowells. The debt is for £2k+ I have read the guides and templates available and sent a CCA request to Lowell's in November. I finally received 2 signed documents. You can see on one document the key financial info is set at £36. The other document Is signed and the account number is the same as the first document. Note that the dates are different so the documents were not signed together. Any help or pointers would b
  15. Hi Last year I separated from my husband, as a joint debt we had an unsecured loan of £30k from NRAM which we had for years, my ex then decided to go bankrupt leaving me liable for the loan. I paid my half of the monthly amount due for a few months and then just couldn't continue to pay anymore. I wrote to them in December 2016 offering them a full and final settlement figure, which they ignored (this was quite low). The first time I have heard from them since me contacting them in December 2016 was last month they wrote to me to say I still owe £28k. (even tho
  16. Hi guys, good morning I have a lease car and got a parking ticket which I promptly appealed, I never heard anything back from the council. It was only until the lease company send me an invoice for £295 that i realised something is wrong and i took this up with the council directly to find out why they never send me the rejection notice. The lease company have paid the council. They replied saying that rejection notice was sent back to them as "returned mail", this is impossible as I get all types of letters come through and even various from the same council. Aside to the obvi
  17. Dear Forum members, I would like to ask you if you could kindly help me draft the best POPLA appeal that I can in regards to the NTK I received from UKPC? Appeal sent as the Keeper of the Vehicle on the following grounds and asked for further information: 1. Equalities Act 2010 compliance (have sent them proof of disability for an occupant of the vehicle) 2. Parking Charge amount claim grounds 3. Asking them to give a breakdown of their actual loss. Is the charge a true reflection of damages? 4. Their status – the creditor? 5. Ownership of premises?
  18. Afternoon all, I purchased a £300 car to use for a parts car whilst restoring another car. As it happens I didn't really need anything so sold it on 3 days ago for a little under what I paid. This morning I received one of those letters from Loans2go starting it's there property and they want it back. I was a little taken back as I HPI checked the car but realised after checking report this morning that it was the cheapo option which didn't include finance. Naturally I only use the more expensive hpi for expensive cars..... I called them up and explained I wasn't aware et
  19. Hi all. Not been on here for quite a while but I am really stumped with this. Between 1995 and 2000 we had 4 loans from Welcome 3 paid off but one we defaulted on because of all the force tactics and extortionate charges for phone calls and letters I just stopped paying, I know it was wrong but thought " sod them they have had enough from me " I did make a successful claim for PPI and got paid out, great i thought. Just received a letter from them today stating irrecords show that I am due a further refund as the original offer did not fully put me back in the pos
  20. Hi all, Been a while since I've been on here. Have received a letter before action from Kearns on behalf of link financial for an old MBNA credit card debt. The debt is circa 2007. I haven't been chased on this or had any correspondence on this or made any payments on this for over 6 years for sure. I have attached a copy of the letter. Please advise course of action? If I am honest, I have moved address and Link have recently chased me for another one and I feel they are phishing on this one as I basically disappeared for 6 years. Letter attached for advice.
  21. I think the general jist is for me to own up to a speeding offence. I do not remeber this incident though, as in the location and why I would have been there.. 'I' was apparently doign 39 in a 40. I have never had a speeding ticket or one of these in the door. I did get a DD10 (drink and drive) and that was 4 years and 7 months ago so nearly up. Clean license. Should I just sign it and own up or challenge it, I am meant to be leaving the country end of January.. What are my options? Thanks.
  22. My son visits a local car park to pick up a manager of a local business adjacent to the car park, takes her to Bookers Cash & Carry and then brings her back to the same car park with the few items she has purchased for the business. The car park backs on to the rear entrance of her business and there is an HX Car Parking notice there which says it is OK to stay for up to 10 mins without a requirement to pay for a ticket. After one of these occasions he received a parking charge notice from HX accompanied by a photo of his car entering the car park on his first vist and anoth
  23. Government welcomes landmark law which will improve the safety of tenants READ MORE HERE: https://www.gov.uk/government/news/government-welcomes-landmark-law-which-will-improve-the-safety-of-tenants Homes (Fitness for Human Habitation) Act 2018: http://www.legislation.gov.uk/ukpga/2018/34/contents/enacted/data.htm
  24. Hello everyone, I care for my mother who has dementia. She has a few things, mostly relating to her health and divorce that I've been trying to sort out. I had advised the local council that I was struggling to cope and that my step dad, her ex husband had suddenly cut off all her bills and not paid them. My social worker said that it was finance related and that she couldn't help. The council tax bill was addressed for number 46- not sure why they had suddenly got our address wrong. when I first heard that the council tax bill hadn't been paid, it'd been a couple of mont
  25. Hi guys, I received a PCN through the post yesterday 13/05/18 to a civil parking charge notice from Athena ANPR as I overstayed at a LIDL car park. The car park was free for 90 minutes. I overstayed by 50 minutes Entered park: 08//1 at 09.24 Exited park: 08/5/18 at 11:44 I received the PCN yesterday (13/5/18) I have now been charged £90 and told that I will only pay £45 I'd I pay within the next 14 days by this date (24/5/18). I have been sent a letter with photos of my vehicle to prove. I did shop at LIDL on the day, and have the till receipt with me.
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