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Found 94 results

  1. Hello, I will be grateful if you can please help me if there is something I can do with this notice please. On 23/12 I went to Kensington high street, whilst looking for parking space I saw a sign (attached) and empty space saying No stopping at any time except 7 am - 4 pm, P for 30 minutes. I safely parked my car which was left there for about 15 minutes. I then returned and made way home. I am now in receipt of this notice (attached). I went back there and saw two conflicting signs and wonder if I could successfully challenge it or it was just my sheer stupidity :/ Thank you for your help in advance.
  2. Registered to follow this as I'm going through the same thing as of today. I've tried to read all the newbie threads but they're confusing so hoping this will give some clarity.
  3. Quick overview - booked via Holiday extras overnight stay at Travelodge and Long stay parking for trip from Liverpool airport. 1 of my passengers is 88 with heart failure and another is 71 with spinal stenosis, both with blue badges. Parked in a disabled bay but at 6am in the dark and me running around getting a luggage trolley I missed the fact that neither of them had put a BB on the dashboard as requested. First I knew I came back to a red card under my wiper from "MyParkingCharge.co.uk". It clearly says "This is not a parking charge notice" and suggests I go on their website to "View details of the recorded contravention" but I'm dubious about that. They also say after 5 days they'll get details from DVLA (long stay carpark - 5 days to reply?) Mostly I'm reading to ignore these things, but could I defend this if they took it to court? Here's the detail: 1 The date of infringement? 09/10/18 2 Have you yet appealed to the parking company yet? [Y/N?] No have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days]No 5 Who is the parking company?MyParkingCharge (but I suspect VCS from the serial number) 6. where exactly [Carpark name and town] did you park? Liverpool Airport Hope somebody can advise. Thanks in advance.
  4. Hi Guys, I have received a few letters from Clarity which started with the usual we are trying to contact someone, which I ignored (why help them?) then came the "you owe us loads of money" letter, which I also ignored because I see why I should ring them or do anything initially. Then came the "we will send round the FieldCall people to discuss the fact that you owe us loads of money" letter. I was not too purturbed because a) I had been chased almost a year ago for almost the exact same amount by Lowell, who finally admitted they were wrong and appologised for writing to me (I had written a very polite "prove it" letter), and b) I recently came across these forums which are a revelation. I wrote a letter back basically saying, very nicely (I think) - prove it, and I don't want you sending anyone round to talk to me about it. Today I received the attached letter (suitably redacted), to which I want to reply in this way: Dear Clarity, If you don't know who I am, then stop accusing me of owing you money. Yours faithfully, etc. What do people think? I don't wish to fire flaming letters at them, because I feel that that sort of thing can later predudice things, if, for some reason it all turns sour. I am not worrying particularly, but would like to ensure that my response is measured and reasonable. Any advice?
  5. On 11/05/2018 at 12:36 I was amazed to spot a gap in the red and yellow lines on the hospital perimeter road close to the Willow Annexe which I was visiting for pre surgery assessment. Since I have very troublesome arthritic knees and ankles only having a 200 yd walk was like a gift from the gods. The gap in the lines was twice the size my car would need and I assumed that whoever had been parked there must have just moved. I parked up and went off to my appointment. When I came back, to my astonishment there was a ticket on the windscreen. I took some photos to prove I was not on red or yellow lines, got in the car, opened the plastic envelope and found that the accusation was, in fact, "Causing Obstruction". he perimeter road in that area is wide enough for two buses at least to pass each other, I wasn't obstructing the road, and I certainly wasn't obstructing the footpath. Any advice as to whether they can make this stick would be appreciated. I have not yet contacted Liberty Printers who issued the Parking Charge, which says £80 or £40 if paid within 14 days.
  6. Hi, can someone advise whether the signs advising of a clearway should be clearly visible in the photographic evidence provided??? I just had a pcn, I was parked (engine running) for moments on a verge, in front of a clearway sign, but not after it. the sign is not in the photo plus all double yellow lines are all broken. does the clearway start AFTER the sign or infront of it too? my car was stopped directly in front of a sign but not after it
  7. MOD confirms the death of Corporal Jonathan Bayliss, Royal Air Force Aerobatic Team (The Red Arrows) READ MORE HERE: https://www.gov.uk/government/news/mod-confirms-the-death-of-corporal-jonathan-bayliss-royal-air-force-aerobatic-team-the-red-arrows Such sad news my Condolences to his Family/Friends/those who new him and served with him RIP.
  8. hello everyone , advice needed really, credit card company i have been paying reduced payments below minimum payments requested for a few mths now with agreement with creditors, low earnings/circumstances changes etc.. none missed , had agreement to do this they froze interest payments during this time have been repaying mthly from the internet through my bank with no problems right up to now not been getting any statement to pay for mths but got a letter from lowells other day saying they had bought debt and wanted to speak to me ref to paying of debt , hope i have done this right, sending of cca request plus a validate debt letter to lowells, also wrote to cc company to asertain when they charged off my debt , has could have been paying into there acoount after they disposed of debt for a few mths now, i know i owed them this money anyway but will i be able to get back the payments made to them after they sold on my debts? do i send a sar to my credit card company after i received a reply from lowell? thanks:?:
  9. I have been told by my GP surgery that a medication I have been on for 6+ years and which is life-preserving is now on the 'red list' and has to be prescribed by the hospital. It was originally prescribed by a consultant after extenisve testing, and I was discharged to GP care about 3 years later when they were happy that they'd got the right dose. Since then I've had annual blood tests to ensure the dose is still ok, though it's very unlikely to change and will be required for the rest of my life. Can anyone tell me what this means? They can't or won't say if that means I need (another) letter from the hospital or whether I'll have to go every two months to get a prescription or even if they'll now refuse to prescribe it at all. There is no alternative drug, but I know it is really expensive, about £200 a month, and I'm terrified.
  10. Hi There, I got helicoptered off a hill in Austria in 2015 after I broke my shoulder. I can't complain about the rescuers as they were great however, at no point either on the phone, in the helicopter or at the hospital was I told that there would be a charge. In fact the hospital took my EHIC health insurance card which covered my treatment. Since then I've been hounded by The Austrian Red Cross and a London based Solicitor to pay almost £5000. I haven't ignored the letters and have repeatedly asked (recorded delivery) for them to provide proof that I accepted the charge in either verbally or in writing. Each time this request has been ignored. Today I been served with a County Court for the sum of £4847.70 which included interest from August 2015. The particulars are: "1. The claimant is a helicopter rescue company operating under the laws of Austria 2 On the 18th of August 2015 the claimant provided helicopter rescue and medical services to the Defendant at the Defendants request (No I didn't, it was my then girlfriend who called them). Details of the moneys due are contained in the attached copy statement of account for Euro 4,807.92. 3 The Defendant has refused or neglected to pay to the Claimant the outstanding balance of Euro 4,807.92. The amount was payable by the 26th August, 2015. (I haven't refused or neglected, I've asked for the credit agreement) 4 The Claimant claims: 4.1 The sum of Euro 4,807.92 4.2 Interest from the 27th August, 2015 on the sum of Euro 4,807.92 at a rate of 8% per annum pursuant to Section 69, County Courts Act 1984 making a total to date of Euro 566.94. 4.3 Interest from the date of this claim to the date of judgment at a daily rate of Euro 1.05 We certify the rate current in London for the purchase of Euro at the close of business on the 13th February, 2017 was Euro 1.178 to the Pound Sterling at at the rate specified the amount claimed including both principle claim and interest amounts to £4,562.70" I'm having issues getting legal advise to understand if I have a defence and the fact that I'm self employed means that a CCJ against my credit file would make finding work more difficult in future as many companies that I work for, perform a credit check prior to using my services. Can anyone offer any advise or point me in the direction of a solicitor that doesn't want £1000 just to have a 10 minute conversation? Thanks in advance, Craig
  11. Will paying just a part payment for a holiday on a credit card give you protection for the total amount ?.
  12. hi, thanks for letting me join, I'm a newbie here wondering about a problem we have just had tonight. I came home tonight to see my daughter on the phone looking a bit flustered, she is 23 and doesn't live with us but is visiting today, she had just had a phone call from a debt collection agency called sigma red about a debt owed to the cosmetics company Avon. Some time ago she was approached in the street by an Avon salesewoman who asked if she wanted to become an Avon rep, she said she would think about it and gave the woman her mobile number and address. she never signed anything nor was she offered anything. she just thought she was saying she was interested. Nothing happened then, no phone calls, no letters, no cooling off period, no contract. 3 weeks or so later a parcel arrived at her door from avon. she opened it and it was an Avon rep starter kit. She hadnt signed for the parcel nor had she been asked to. she called avon and told them she didn't want it, and hadn't asked for it, and asked them to arrange to have it collected, which they agreed to. Avon had her mobile phone number and never to this day called her, she moved a few days later and left the parcel at the house as avon were supposedly collecting. that was in july. tonight she had a phone call from a debt collection agency called sigma red chasing her for a debt of £56. She was terrified by the woman who wanted immediate payment or else 'legal recovery' actions would follow. she was white faced when she told me. I got the details and called them back after verifying who i was and that i had authority to speak for her, I was told that she had to pay. I disagreed that there was any contract at all, she hadn't asked for it and had made an effort to get it back to them, they hadn't attempted to even call her, even though they had her number, because the debt collectors had the number from Avon. I told them that they hadn't a chance in hell, I considered this debt to be non existent, it was Avons unsolicited parcel that they hadn't made an effort to collect, and as far as i see it they had no claim. The woman wasn't particularly helpful i asked for a manager, he gave me the same spiel, I asked for copies of any documentation or contract that my daughter had signed, he said they weren't obliged to send me any, then he said they had no documentation, and round we went over and over. My opinion is that this debt doesn't exist. They sent her stuff she hadn't asked for, and failed to collect it when asked. he insists that she still owes them. I'm gonna ring Avon tomorrow, but where does she stand over this. she hasn't signed anything and never asked for it, and asked them to take it back when they sent it, surely she has done enough. the parcel is possibly still at her previous house, but as it was a student let i doubt it. Any thoughts on this. its only 56 quid I'm so annoyed that they had the nerve to send this stuff that wasn't wanted, and then drop it straight to the debt collectors without any contact. grrrrrrr!!
  13. Need some advice for family member please. A and B are a couple and were moved under protection from Y to Z overnight. They were in temporary accommodation until early 2016 so were unable to update keeper details until they knew where they would be living. 19/02/16 at 0750, Bailiff knock requesting £787, £477 fine? plus £75 compliance and £235 enforcement (Nothing received beforehand) He also threatened same day removal and threatened them with another £110 for that pleasure. I have a copy of every text sent from Bailiff and family member. Finally agreed £50 a week, they have make every payment on time (except Bank holidays) but bailiff has demanded the £50 this week, plus the last £37 or he will add more charges. Just someone to check figures and any advice gratefully accepted. Jogs
  14. Hi I have been getting offers of a "reduced" figure for just over 100pounds. I was in a repayment arrangement with peachy, and payed off over half the loan, but couldn't keep these payments up so offered them £1 a month (and sent it). They said that 1£ pcm wasnt a reasonable amount to pay it off, but it's all I can afford (well can't really) so kept sending it anyways. They warn that the DCA may add fees and whatever. I'm sure if it went to court the order would be £1pm. My question is should I keep sending the £1 to peachy or try and deal with this DCA? What happens down the line when I haven't given the DCA anything? Cheers in advance
  15. I have asked Aviva to start a pension, taken out in 1987, next month. They say that my signature has changed. They insist that I get a signature form witnessed by someone who is likely to charge me for the privilege (accountant, solicitor, etc). I am a qualified accountant. They have corresponded with me since 1987. I do not believe that this is actually required - they are just trying to avoid undertaking an electronic data check at their cost (£10 or so). They also want to see a passport or 2 part driving licence - even though the DVLA has instructed us all to destroy the paper licence which no longer has any legal status. I have bought and sold properties with less complication and red tape than dealing with Aviva
  16. Hi just a quick one regarding regulations on red route signage. It's in camden high street outside of lidl/william hill. The first bay to oncoming traffic is loading only and the one after is free 30mins. Both bays separated by just lines and very hard to judge different restrictions. Should there be another sign indicating either end of loading bay or start of free bay. Thanks. https://www.google.co.uk/maps/@51.5362652,-0.1401768,3a,75y,32.97h,68.76t/data=!3m6!1e1!3m4!1sA35WUEWCOEaUumKqzc4Flg!2e0!7i13312!8i6656
  17. Hello everyone, Hope you can help. Last year I jumped a red light - not on purpose, didn't realise I had. When the letter with the offer of a condition FPN arrived, I was perfectly willing to hold up my hands as it was certainly my fault. I duly paid up the £100 and thought no more about it. Unfortunately, it being a few days before Christmas, I completely forgot to send in my driving license in order to have the requisite 3 points added. This weekend, a court summons arrived - which initially perplexed me as I had evidence I had paid the fine. A call to the magistrates office confirmed I had no court fine outstanding. During our conversation, I realised that I had forgotten to send in the license, so the adviser suggested a call to the local FPN office, but didn't foresee any major problems. Having just checked my bank account, for evidence I could produce that I had paid the fine, I discover that they have credited the fine, probably on the day they send out the court summons! Oh dear! Help! I've never had anything like this happen before and am quite anxious. When I rang the Met's FPN number, I discovered they were only between 9 and 12 and I spent the morning just trying to get through to all the right people. Can anyone give me any advice or guidance on what might happen next? Thanks.
  18. Hi I have been on this debt journey for a while now. I got sucked into the cycle of payday loans, all of which I paid off until it got too much and I defaulted with QQ at just under £1000 This was then sold to RedCastle. I emailed Redcastle in October Asking them to provide information on the debt as there were two separate entries for the same amount with different default dates on my credit file. One from Redcastle and the original one with QQ. I Sent a copy of my request to QQ and they removed their entry. I have now received this letter from Redcastle Recoveries. We are writing to you in relation to your above numbered loan that you originally took out with CashEuroNet.uk-QuickQuid, and which was subsequently acquired by us. Please note that we have now taken the decision to write off the balance and close your account. What this means for you: The balance on your loan is no longer due l We will no longer contact you regarding the above numbered account l You do not need to repay the balance of the above numbered account However, please note that because you have not repaid the balance due in relation to this account, if your credit file shows a balance is outstanding it will continue to do so for a period of time no greater than six years from the date that you originally defaulted on your agreement with CashEuroNet.uk-QuickQuid. You should also be aware that this may affect your ability to gain credit with other lenders, and that should you choose to repay this balance at a later date your credit file will be updated to reflect this. If you would like to speak to one of our agents regarding this matter then please contact them via 0344 894 1930 or alternatively via email on . Now I have contacted QQ and complained about the affordability of my loan and I am waiting on their decision, I had hoped that either they would effect the writing off of my loan or they would pay me the interest on all of my loans and I could clear it as it is the last remaining unpaid debt on my credit file. I called quick quid and they said they have not made a decision on my complaint and they did not contact Redcastle. So I am wondering why would they do this? Should I just be happy they will not pursue. But the whole point is to repair my credit so at some point in the future I can try to buy a house. Any ideas as to what I should do? Thanks Tia
  19. I hope someone, anyone can help me Background motorcyclist in front of me losses control, drops bike in middle off the road, im behind him and go straight over the top of him, result, both bikes totalled, he had busted back, I had minor injuries. He admits total liability to Aviva (his insurers), my bike is 7 weeks old and cost 10k new, insurers offer me 7.5k.. in the meantime my loan bike from my insurance company goes bust, I get pulled by ANPR for no insurance, luckily because BLD have stickers all over the bike I get off with it, that is first issue against insurers...... Next, I believe as the first registered keeper pf a less than 12 month old bike I should have a new bike because of this non fault accident, I have claimed against my own company with a view that they will then claim on the third party, I am been told this is not how it works(by my insurance) at present the other rider who caused the crash has been paid out for his bike, but because mine is a new bike and I only got offered 7.5l and have refused the whole claim is in deadlock. The point I am making with my insurers is that they were quick enough to tell me when I took out the insurance that my bike was not covered while on my driveway ( I stated it would be in a garage) but they failed to inform me that my bike was not covered by a "new for old" policy... any help/advice on this would be real helpful, any questions please ask Thanks Steve
  20. Last week I was travelling home from work on a busy stretch of residential road. I came up to a set of green traffic lights at a crossroads, and had fully crossed the line when the car in front of me hit his brakes. as not to block the people in the oncoming lane from turning, I left a gap between myself and the car in front. By the time the cars in front had shuffled up, the other set of lights were on green so I stayed where I was. I could see the other set of lights, but I could no longer see mine. I waited until a couple of seconds after the other set of lights had turned red (assuming ours would have changed to green) and then I proceeded when I knew it was safe. There were no cars in the oncoming lane so I couldn't judge when the lights had changed by their movement. I've now been sent a letter highlighting that it's a criminal offense to jump a red light, and I have to fill in a DVLA form and will get the opportunity to pay a fine instead if I respond within a week. My lights must have still been on red when I moved, but I had gone way past them and there were none on the other side of the crossroads. It was a genuine mistake; it's not like I got impatient and just went, I made sure the crossing traffic had stopped and gave it a couple of seconds as a lot of lights do. I want to appeal because I was actually trying to do the right thing by leaving a gap for traffic turning, rather than just blocking the way like I could have done. I'll probably get told I don't have an argument but I thought it was worth asking. Thanks for reading.
  21. My complaint is about who is repsonsible for a security breach of my credit card account. I am blaming a 3rd party company to whom I applied for a card for using critical information on that application to hack the credit card account in question (rogue employee). Adjudicator ruled against me - I complained that she had applied a beyond reasonable doubt standard of proof instead of balance of probabilites. My complaint went up the Case Management chain and was fobbed off on each occasion so I put in a very strongly worded complaint to the Independent Assessor. File gets passed on to the Ombudsman who writes to me and says he is aware of the complaint to the Assessor. Then he issues a decision refusing my complaint saying that he has seen the fraudulent transaction it relates to and the Business are not responsible. I asked for a copy of the transaction he had seen - since I had not supplied it. The Ombudsman wrote to me stating he had made a mistake in saying he had seen the transaction but had based his decision on how fraudulent transactions are carried out and that there had been a fraudulent transaction in my case. The evidence before him was that my account had been hacked not that my card had been used fraudulently. I have written confirmation of this from my credit card company who also confirmed that they have not shared details of that transaction with anyone. He has basically fabricated the evidence he based his decision on. Aside from a renewed complaint to the Assessor any other observations?
  22. first off I will try and make this brief and to the point as I can. I am feel very frustrated and desperate to resolve this and clear my credit file. Back in 2009 I decided to change my phone to T-Mobile, after a week I found I could not get a decent signal in the area so the phone was no use to me, I rangT-Mobile, they said it was within the 14 days and was fine to return, they sentme a return bag I returned the phone to them and that was that…… …………..or so I thought! Roll on to 2015. I’m looking to get on the property ladder soon so having checked my credit file recently, turns out I have had adefault AND worse still, a CCJ :-xplaced on my file from Red Sigma which who was sold the debt from T-Mobile, The CCJ is dated 2013 and for the sum of just over £200. After further investigation, and numerous calls to now EE as own T-Mobile. T-Mobile confirmed to me after investigation that I never owed them a penny, the debt was never a debt, and was indeed incorrect, the debt should never have been passed on to a Debt agency. I am absolutely disgusted that this has happened, I moved address so didn’t receive any paperwork etc .. thinking that finally now it will be sorted, a few weeks have been passed and to date no communication has been sent from T-Mobile to Red Sigma ( who I might add have been quite helpful in this matter), they said they can’t start removing default/CCJ without any confirmation from T-Mobile. I have tried to contact T-Mobile, I have to go around the houses each time I call them, get put through to different teams, who I have to explain he whole story, nobody will provide me with direct line even though I asked them to contact me, I am at my wits end. I just wanted to know legally where I stand as this debt was made in error and now it’s had such an adverse effect to my credit rating, last year I tried to buy a car and failed to get credit, in the end I had to borrow from my family instead, and wished id looked at my credit report sooner. I did read up on here that I should start recording conversations, so I will start doing that. The main priority for me is to remove this from my credit report. Any suggestions where I go from here? Thanks in advance.
  23. From todays Daily Mail. http://www.dailymail.co.uk/wires/pa/article-3046944/Wonga-set-slump-red.html Do not cry all at once. Regards,John.
  24. I was pulled for running a red light by 2 officers, i asked them for proof that i jumped a red light ,only to be told we witnessed you, I'm convinced the light was amber when i passed, if i braked i would have passed the white line, a £100 and 3 points does not go well with me, for something i did not do, as its my word against theirs, I do not believe both of them were only watching me at a busy roundabout, is there anything i can do to avoid the penalty? any help would be much appreciated.
  25. Hi folks, Hoping someone can help me out with some advice. Got a PCN for parking in a loading bay on a red route just south of Purley. I appealed against it and they have rejected that appeal. I was driving into London with a friend who suddenly developed serious cramp in his legs. He was in a lot of pain, so I pulled over the first chance I got, into a loading bay on a red route. He got out and he stretched his legs and I went with him to make sure he was alright. We were stationary for less than 3 minutes. A week later I got a PCN and a £130 fine. I appealed and pointed at that I was in a loading bay and we were there for less than the 20 minutes allowed. There reply states that no loading was seen by the camera operator, and this itself constitutes a contravention. They then go on to say: "Legislation does not set out a universal definition of loading... The general interpretation... is that the it should be in the nature of a collection/delivery... Loading is the operation of transferring goods which require a vehicle to transport them." As I live in Worcester, where there are no red routes, I guess I never understood that stopping for two minutes in a loading zone on a red route would constitute an offence, or that I would be watched doing it! I was just wondering if there is anyway I have any defence on emergency grounds, i.e. by having a passenger who was shouting out in pain was distracting me and therefore causing a hazard to other road users. Any thoughts? TIA for any advice. Cheers, Steve
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