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Found 163 results

  1. I have recently been informed that towards the end of 2017 the DWP computer lost my records. I experienced problems with payments in Jan 2018 but did not think any more about it as they sorted my ESA payments out. However, last month I was informed that by mortgage company that they had not received any payments under old scheme prior to changes made in April 2018. I was contacted by Serco and completed the SMI loan agreement that was posted back early June 2018. I have been informed that these completed documents were received by DWP early August 2018 who subsequently sent them Clydebank DWP centre. I contacted the 0800 number ESA department who informed me that the paperwork was sent to Clydebank early August 2018. I queried why I had not received an correspondence reference the SMI loan. The adviser put through an emergency call back from Clydebank. This is when I learnt the delay was because my computer records were lost sometime in Nov 2017. Hence the delay as Clydebank did not have access to information they needed for my SMI loan application as not on the DWP computer system for some reason. The adviser took the relevant information from me and was very supportive though bemused by my situation. She is contacting me back reference SMI loan. However, my concern is as the claimant of ESA and IIDB why was I not informed of the loss of my data by DWP computer? Please, advise me on what I should do? If it was the other way round and it was an overpayment scenario; DWP would be straight on to me.
  2. My partner is a carer. She has been sent to work for a lady who wasn't equipped with the correct device to keep her upright. She fell on my partner and my partner suffered a back injury leading to incontinence, pain and time off work. We took the case with xxx LLP, who wrote a letter to the employer and got a response, offering 4000 pounds as final settlement. xxx advised us to reject that offer, saying, over the phone, that we can always fall back on the 4000, but they believe we can get much more. Since then, my partner has been to Royal Berkshire Hospital, where the doctor said he doesn't see any injury and any pain she might have is a result of earlier injury. Her incontinence might be an infection (totally rubbish). Now it feels like the case might fall through, as the doctors do not want to confirm her injury and we see the 4000 pounds as a better-than-nothing solution. However, when we WROTE to xxx, they said the offer is off the table and we can't fall back to those 4000 pounds. 1. She will be seeing a doctor from xxx privately to assess her but I reckon a judge might be more interested in an NHS doctor rather than a doctor from an interested party? 2. What can we do in regards to xxx making us think we could get at least 4000 pounds and now they are implying we can come out empty handed? 3. Any other advice regarding the situation in general will be appreciated I will just add that the reason my partner was injured is that she grabbed the falling lady and saved her from rolling down the stairs. And that my partner is truly injured. It took her 2 weeks to admit that she's incontinent because of the shame.
  3. Hello there, My partner has two student loans with Erudio. Back in March he received a phone call from them saying that his loan had matured and they wanted payment. We asked them to send this in writing and never heard anything, they also hadn’t sent any reminders regarding deferment. he continued with his deferment for his two thesis loans and received confirmation from SLC that deferment had been accepted for both Erudio and Thesis. However we received a letter last week from Erudio demanding payment of the loan. I called them on partners behalf, he has anxiety and cannot deal with phone calls like this. Asked them why he had to pay if the slc had agreed deferment. They said that there had been a delay in deferment and as a result the loan is now post maturity. They said that they will be requesting proof of deferment history from the student loans company?? (Why do they need this?) This morning we received two letters from Erudio, 1 saying that deferment has been rejected, and that they have requested proof of deferment history from SLC and that they have included a copy of the terms and conditions. However these have not been signed and they are just a blank printed copy of the terms and conditions. Nowhere on the letter does it say what we need to do next. The second letter asks us to complete a I&e form within 30 days so that they can agree a repayment plan. However, this all seems fishy to me. In the terms and conditions it says that they will write to confirm deferment threasholds each year and send a pack, but they didn’t ever send anything. They also didn’t send a breakdown of the loans as I requested. They also want me to pay for a copy of the original signed loan agreement... Please can any of you offer any advice on how to proceed?? Thesis are happy with the deferment of the loans so why are Erudio being so difficult? Thanks so much in advance this situation is causing huge amounts of stress!
  4. https://www.consumeractiongroup.co.uk/forum/showthread.php?490294-Received-A-Letter-From-Welcome-Offering-To-Give-Refund&p=5172113#post5172113 Hello. What was the outcome of your refund ? Did you get it ? I have received one of these letters today offering a refund. I was surprised as I think they already knocked off the PPI from my original claim from about 8 years ago.
  5. Investigation leads to shutdown of ‘asset recovery’ company that recovered no assets READ MORE HERE: https://www.gov.uk/government/news/investigation-leads-to-shutdown-of-asset-recovery-company-that-recovered-no-assets
  6. Armed forces pay award 2018 - extra payments for personnel that left the armed forces after 1 April 2018 READ MORE HERE: https://www.gov.uk/government/news/armed-forces-pay-award-2018-extra-payments-for-personnel-that-left-the-armed-forces-after-1-april-2018
  7. Not sure if this has been mentioned yet but just been on the Universal Job match website and saw this : Universal Jobmatch will be replaced by the Find a job service on 14 May 2018. Important: If you have an existing Universal Jobmatch account it will not move to the new service. Save any information you want to keep, like your CV, cover letters and application history by 17 June 2018.
  8. Hi, I wonder if someone can help on this matter. October 2017 - I received a Capital COntribution Order (CCO) for £52968.06 to repay to Legal Aid Agency (LAA) following a legal proceeding. In this case Rossendales claimed £362.50 as enforcement costs and other fees for a Charging Order thay they put on my property. December 2017 - I lodged a Judicial Review as litigant in person against Legal Aid Agency. The argument was that the CCO was miscalculated. Jannuary 2018 - The High Court ordered LAA to recalculate the CCO within 3 months. May 2018 - LAA admitted the miscalculation and issued a variation of the CCO for £39567. This time Rossendales raised the enforcement costs and other fees to £442.50. 21 August 2018 - I contacted Rossedales in order to arrange a payment plan. 29 August - The High Court ordered LAA to pay my costs for the persuance of Judical Review. 31 August 2018 - Out of the blue, Rossendales sent me another variation of the CCO for £41003.63. This time Rossendales raised the enforcement costs to £1878.50. Basically, the amount of the CCO did not changed (£39567). Rosseldales just added more fees. I understand the initial enforcement costs of £362.50 for the application of the Charging Order. But after they secured their credit there was not action anymore in terms of enforcement. I lodged my Judicial Review and succeded in that.They sent me a new CCO and applied fees for £442.50. After contacting them on 21 august to arrange a payment plan they raised again the enforcement fees to £1878.50. Which enforcement fees they are talking about if the only enforcement action took place on October 2017( 11 months ago) for the Charging Order? There was no enforcement action from Oct 2017 up to date especially when I succeded with my Judicial Review. I intend to make some objections to this fees but I need some advice or opinions on the best way to proceed. I really hope that someone can help me. Thank you very much
  9. I’ve never needed a mobile phone except when travelling up north to see my mum who’s in a care home. Just before Christmas 2014 I got a mobile phone from EE so I could stay in touch with work, etc., while visiting my mum. When I set it up it was clear that it didn’t work. I tried all sorts of things and it still wouldn’t work. But I forgot about it for a few days. When I got back after Christmas I decided to phone EE and tell them that it didn’t work. The problem was that they said I didn’t pass the security questions; as a result I could not speak to anyone. Couldn’t report that my mobile didn’t work! The weeks went on and I made other calls to EE, but was told each time that I had failed the security questions. Meanwhile, of course, I was paying for this non-working phone every month by direct debit (or standing order, I forget which). This went on for month after month, and still I was paying for a service which didn’t work with no way of getting the issue resolved. It was such a small matter (as I never need to use my mobile except at Christmas when I am away with family) it was out of my mind for 99% of the time. Eventually I reasoned that I was going to be paying for this broken thing for years – and they were never going to listen to me because they would always say that I had failed the security questions. I took the only option which was then open to me. I cancelled the monthly payment to EE. Now things actually made sense, and at last I was not paying regularly for something that had never worked. At this point let me be clear about something. I could install apps on the phone and I could use it for playing solitaire and other stuff like that. But I could not do what you are expected to be able to do with a phone, i.e. communicate. EE themselves will be aware, as they would have access to such data, that: Number of phone call I made while in that contract = 0 Number of phone calls I received while in that contract = 0 Number of text messages I sent while in that contract = 0 Number of text messages I received while in that contract = 0 That is the level of service I was getting from my EE mobile phone. In the meantime I had paid over £650 for this nonsense. I phoned EE again. again I was told that I had not passed the security questions. But by this time I was aware that the operator at the other end was reading a large amount of text which had been written on my account, EE was obviously well aware of the issue. Also EE would have been aware of the 0 calls and 0 SMS aspect of my strange account. It’s just that they obviously didn’t give a monkey’s. I asked how I could resolve this. How could I prove my identity? I was told to go to my local EE store with some ID and I would be given a password which I could use in subsequent phone calls to the help centre. I did. I phoned EE with my new password and asked for my money back. I was put on hold for several minutes and then told that the account had been passed to the Collections department as it was in arrears (of course they would have been flagged as in arrears: the only way to stop being mugged every month was to cancel the monthly debit!). (Oh yes, and to add insult to injury, because of the misperception that I was in the wrong EE was allowed to put a black mark against my credit rating. I also had debt collectors writing to me. But I was able to explain to the debt collections agency what had happened and they just dropped the case against me immediately- no excuse with security questions there: I just TALKED to them and they LISTENED! It's what people do.) The person I spoke to in the Collections department acted exactly as Collections people behave and said that I could not have my money back. When I explained that consumer law was on my side he said that I had “failed data protection laws”. I reminded him that data protection laws were there to protect consumers, not corporations who sought to rip consumers off as EE was obviously very keen to do to me. I also said that I wanted EE to delete the black mark that they had put against my credit rating. Characteristically he said that he couldn’t do that either, again, because I had “failed data protection laws”. EE is yet another company who uses data protection laws to their own advantage; to clobber consumers with them! I wonder if anyone else has been treated in this way by EE or another supplier. I’m also wondering how to get my money back – and to clear up my credit rating – from such a bunch of intractable people.
  10. Good afternoon, I would like some advice on what to do once a speeding ticket has been paid but then a driver may have evidence that could get the ticket quashed. I have found out recently that our group fleet office has been submitting driver details for speeding tickets, bypassing my company process, and for which subsequently the drivers have been receiving the notices and paying the fines. Some of the tickets I have found out were for the stated offence of 'exceeding the speed limit for a goods vehicle' and for which the drivers have already paid the fines but I know we could have contested these as the vehicles are not goods vehicles, although the drivers apparently did not know any better and paid up. We have the vehicle V5s and photographic evidence of the vehicle interiors clearly showing the vehicles not to be goods vehicles, to whom could we approach to have the fines and points quashed, would it start with the NIP issuer? Thank you very much
  11. Hi, just some advice on where I stand with the following. On the 11th of June 2017 I bought the following vehicle ----------- from National Car Credit - financed by MoneyBarn I have had problems with the goods from the start a list of which is listed below: The dealer has still not sent me any documents related to the vehicle. I have not received the documents from the DVLA. I was told that it had an MOT. It transpired that it had no MOT. It had expired on the 30/05/2017 but I was only informed on the 21/06/2017 after randomly calling them to find out when the MOT expires I was told that it had a full service history but it transpires that it did not. The service book has not been sent to me In fact they sent me documents relating to other cars The car was taken in for an MOT on 21/06/2017 which it failed. They did not pay for the MOT and the repairs resulting from the MOT failure. The car was sold faulty and I was guaranteed that they would replace the tyre-sensors. No reply from them. I had to replace part of the exhaust after 1 month where it had corroded - £100. I had to do the brakes and drums which they knew needed replacing - £400 The DSC has been problematic and replacement is about - £400 The car was not checked or serviced by them. They sold me the car with service and repair documents – when I checked it to see when my car is due a service it transpires that it belongs to another car – this is not the first time this company has done this as a simple google search testifies. They have not sent me the second key which they were going to post. They have not sent me the service and manual book for the car – which they promised as the car was sold with a full service history. I have sent Moneybarn the e-mail and have been communicating with them. I have had endless repairs done as the company I bought the car from is totally ignoring me now. I have kept all the records of communication with the dealership and referred it to Moneybarn now. Question is - what an I entitled to. I have requested that they reimburse me for the money spent and fix the car or exchange for another car of equal money, the Last alternative is for them to refund what I have already paid and cancel the agreement. Any ideas will be greatly appreciated.
  12. Our house was repossessed in 2009 and sold at auction to recover the outstanding mortgage balance. The sale left a shortfall of £25K+ which the lender came after me for, and being in our late-60s with no savings, assets or investments following a business collapse this is being repaid at £5 per month from Pension Credit sole-income. At this rate it would take over 400 years to settle. I have twice formally requested that this be written off, as it is clear that there is now no expectation in retirement of there being a substantial income or a radical change of circumstance that would make settlement a possibility. My first approach 4 years ago was made direct to the lender, and shortly afterward a response came from the DCA advising that their client was not willing to do so. A follow-up request restating the realities and requesting reconsideration was never replied to. My second approach 2 years ago, and two subsequent chases, have never been replied to. I believe that the mortgage lender’s code of conduct has something to say in such a regard, particularly that a lender should not, or may not, pursue recovery of a mortgage shortfall debt where it is clear that recovery is impractical or unachievable. Is there a mortgage-debt expert on CAG who can confirm or deny this? I intend to request a write-off again, and want to leave zero wiggle-room because clearly 400 years is idiotically silly to enforce at age 68 or indeed any age! Any clarification will be greatly appreciated, thanks!
  13. Major crackdown on abuse of 'debt' judgement by rogue parking and utility firms is announced Ministers will pledge action on abuse of county court judgments by rogue firms Anyone who has had a CCJ without their knowledge will have it removed The Govt plans to immediately set aside all backdoor CCJs for those who can prove to a judge that they did not know about it when it was passed. http://www.dailymail.co.uk/news/article-5214075/Action-debt-judgement-rogue-firms-abuse-announced.html
  14. Hi, I have been reading lots of different opinions on here regarding debt from Australian companies being chased in the UK. I had a fairly large credit card, plus some other unsecured loan debt in Australia where I lived for some years. Due to illness I ended up back in the UK and out of work for 4 years. As a result I defaulted on the debt and had not made a payment on any in about 2 years. About a year ago I received a letter from Stevens Drake regarding on of the debts and threatening generic legal action if I did not pay. As I was still unwell at the time I did not have the energy to research my options as what best to do, as a result I started making £xx per month payments. The debt in this time has gone from about $18,000 to over $23,000 as the payment I have been making are fairly small. Long story short, I asked if they would accept a few thousand pounds to settle the debt in total as that is all I can scrape together from family and friends but they refused it. I cannot go bankrupt in Australia as I am not there, I also cannot go bankrupt in the UK as I do not have any debt and that debt is not even located here yet - so I feel in a catch 22 situation. I feel like I should just stop paying and force them to issue proceedings here so I can then go bankrupt but I am not sure how bad an idea this is. I will not be able to go back to earning the sort of money I did previously which means in reality I cannot repay this debt. If anyone can give any advice I would be extremely grateful.
  15. Dear All, I filled out the online form for Barclaycard to reclaim my PPI, which I never realised that I had. I get a reply this week enclosing a copy of a letter dated November 2014 that apparently they sent me when I applied for return of PPI the last time??? I have zero memory of doing this and I am not convinced they are telling me the truth. In any case they are telling me that nothing was miss sold and I am not getting any money back. It seems like a generic letter and they have used internal and external evidence to reach this decision. They have also included the "linked cards" that where on my account? I have no idea what the linked cards are. Does anyone have any ideas? I am about to send a new letter to Barclays advising them that I never received the letter dated November 2014, can they please provide copies of all credit contracts between barclay card and myself and also copies of all the evidence internal and external that supports their case so that I can take this case to the next stage. I would also like supporting evidence that shows me that the PPI was not missold. I have advised that i will take the case to the BO. Has anyone else had a similar situation? Does anyone have any experience as what has happened once they get a letter asking for the supporting evidence? Finally what linked cards? Many Thanks
  16. Please help, First time I received my salary and my outgoings monthly payments are bigger than amount received. I have unsecured loans and pay day loans and this Month I won’t be able to pay 3 of them, I read all the 10 steps but I am still panicking, I have more payments than my salary and I need at least 3 Month to back to "normal" when my paY day loans will be paid in full but this Month and next one I have to stop some payments. Please help and let me know how to go the creditors and what I can ask TO HELP ME, WHAT should I tell them? Can I ask to freeze 2 Month instalments or just offer pay a little? Many thanks
  17. Retailers have rights too! New small traders' returns guide 22nd February 2018 Retailers have rights too! ParcelHero introduces new small traders' returns guide. At least 200 specialist online stores don't expect to survive the massive growth in returns this year. As UK consumers learn to make the most of new return regulations, ParcelHero has introduced a new guide for sellers, spelling out what their own rights are. A recent survey by leading courier price comparison site ParcelHero revealed at least 200 e-commerce businesses don't expect to survive the massive growth in returns this year. Returns reached 47% of all ParcelHero shipments in the first days of the New Year and traders say that they were often pressured into paying the cost of returns even for unwanted items - or risk losing their all-important 5-star ratings. https://caithness-business.co.uk/article/8110 ........... is it just me or is this a wee bit iffy... buy our insurance and we'll protect you...urmm..wonder whats mor expensive for the trader..refunding returns process or their insurance....
  18. This is yet another important decision from the Local Government Ombudsman and one that once again makes clear that if a debtor who is subject to bailiff enforcement considers that he may be 'vulnerable', he must be prepared to provide evidence and outline how his 'vulnerability' affects his ability to deal with the debt. In brief, Mr B's complaint was as follows: Mr B incurred 5 penalty charge notices. He believes that there is a law from the year 1600 that means that he can’t be fined and so can park anywhere. He and his wife both have Blue Badges and he considered that being granted a Blue Badge means that he has meet the criteria for ‘vulnerability’. Mr B told the Council he was a vulnerable person. However, he had not explained why he considers he is vulnerable. He was of the opinion that it is the Council’s job to prove he is not. Mr B complained a business centre issued the warrants rather than a court and so were invalid. Mr B complains that the bailiffs did not have the correct warrants. The Council has said the court sends the warrants electronically and so there are no paper copies. PS: A copy of the decision can be read in the following post.
  19. I've been on benefits due to health issues for quite a long time now, I was on Incap Ben until Oct 2013 when they moved me to ESA and that's been static since then. Not had any kind of increase in 4yrs. In 2014 I finally had a diagnosis of one of my health issues that had been ignored for years by doctors... Dismissing my issue as weight related when it was in fact a condition called Spinal Stenosis... which is 'made' worse by being overweight. This explained the shocking spasms in my lower back which could turn my legs to jelly and make me slump to the floor at any time and I couldn't walk more than 20-30yrds without getting one. Since then I have lost over 140lbs the condition has remained and not gone away as previous doctors claimed. I have also been diagnosed with osteoarthritis in my knees which is further impacting my. the small increase in the distance I could walk has been decreased again by limited movement and pain in my knees. I've also got early stages of the condition in both shoulders and struggle to lift my left arm above my shoulder but can rotate it, whilst my right shoulder doesn't rotate properly but my arm can be lifted above it. Back in either 2014 or 1015 I got the forms for PIP but never sent them in... to say it was a confusing mess of questions that repeat themselves over and over again and with reports that the vast majority of claims are simply dismissed anyway put me off ever sending it in. I'm not getting any better and losing over 10st hasn't had the kind of impact that I had hoped it would... I admit that my weight was out of control due to severe depression and 19 deaths of family and friends between 2008-2016... In short I was broken and whilst I'm still broken, my financial situation continues to deteriorate. I can just about cover the rent due to the fact I rent from family (all legal, proper tenancy agreement in place and council know everything) at a rate well below average (they're doing it to give me a safe place to live not to make a profit). I can just about cover utilities and household expenses, but there's not enough for anything else and although I do have a car it's 12yrs old and I limit how much it's used due to the cost of diesel, insurance and car tax. Without transport I would be housebound and unable to get out and about on my own... I can't even make it to the local corner shop which is about a 300-400yrd walk. On a very, very, very good day... I might make it to the corner shop, but would then struggle to get back carrying anything I bought. By the time I got back (after stopping repeatedly to sit and let the pain subside) it could virtually incapacitate me for hours and I'd be unable to go out again for a few days at least. When I am able to go out to do shopping (once every 2 weeks on average) I have to normally go with some one and require a trolley to hang onto to support myself. Even then after doing a small amount of shopping, we stop at the supermarket cafe for a rest and a drink before carrying on. I tend to load my shopping in small amounts into multiple sturdy bags with handles, so I'm not carrying heavy ones into the house. I can park on my drive so the boot of the car is no more than 6-8ft from the front door and it's an estate so a low tailgate means no bending to lift things up. I know I could do my shopping online but I actually look forward to doing mine as it gets me out of the house for an hour or two. The arthritis needs me to keep moving more not less, but I can't do that where I live due to the area, hills and so forth... it would be nice if I could drive down to the lakes nearby a couple of times a week and do a little walking there, as they have benches and rest points all around them... But parking isn't cheap. After reading so many threads on here about people applying for PIP and being refused... it's making me wonder if I should at all... I'm not asking for expecting a disabled badge or motability car... I desperately need a little extra help so I can perhaps pay for a little more fuel each month, or parking charges... an extra £20 a week would have a huge impact provided it wasn't taken away from my other benefits like ESA/LHA. If I get the forms... where can I get help to fill them in... a lot of it seems designed to confuse and deliberately make it as hard as possible to complete. I think doing it my own will only result in me not bothering like I did last time... which is what I now think is the main objective of the form.
  20. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  21. I had my home repossessed in 2009 due to a change in circumstances. The mortgage was with HSBC who marked the debt as 'settled' on my credit file in 2011 although I owed them money. This was removed from my credit file at the start of last year since it had been 6 years since the settlement date. I am certain that I had PPI on this mortgage. If I try to reclaim this PPI will it awaken the debt? I have seen the rule of 6 years for standard credit card and loans but wondered what would apply to the mortgage?
  22. Not my debt fraud hat trick I have been reading some of the past posts and found them very helpful. But I would like some help with my own problem set out below About five years ago the payday loan company Wonga sent me a letter claiming I owed them money. It turned out someone had used my name to take out a loan. With the help of my bank and a representative from Wonga it was established that they did not have my banking details and had not taken any money out of my account. I was asked to contact the police by Wonga to report an identity fraud. The police said because I had not lost anything to the fraudster it did not warrant a crime number but the incident would be logged. Although I ‘am sure I would not have thrown the letters away, I cannot find them. Early this year I was contacted by B W Legal representing PRAC financial, claiming they had acquired a debt from Instant cash loans ltd. T/A Payday Express. I owed them £850.80 No other details about the loan were in the demand. I ignored their letters as I have never had any Payday loans in my life. I have never had any letters or any contact with Payday Express. It turns out when they threatened me with court action the details in the letter of claim i.e. the date the agreement was signed coincided with the time of the I.D. fraud with Wonga. The 26th of November 2012. In June I received a letter from Moriarty law representing Motormile finance Limited (MMF). They claimed I owe them £468.87 from a debt they acquired from Lending Stream Limited, again no information on the debt. I sent a prove it letter and a supposedly copy of the agreement with my name and address on it arrived, The date the loan was taken out is the same as the other loan 26th November 2012. I have not lost any money but the threats from the debt collection agencies to take me to court and wreck my credit rating have made life in the past months stressful and unpleasant. How many other loans have been taken out in my name? I do not know Thanks d.bick
  23. 1 Date of the infringement 6/12/2017 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 12/12/2017 3 Date received 14/12/2017 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] no (at least not that I can see) 5 Is there any photographic evidence of the event? yes 6 Have you appealed? {y/n?] post up your appeal] yes - see below Have you had a response? [Y/N?] post it up yes - see below 7 Who is the parking company? Horizon Parking 8. Where exactly [carpark name and town] Aylesbury Leisure Complex, Aylesbury For either option, does it say which appeals body they operate under. - Yes, IAS (POPLA) There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE If you have received any other correspondence, please mention it here Appeal email: I’m really sorry that it appeared that we had parked at the Leisure Complex. On the evening in question, my wife and I were taking our children to eat in Aylesbury (a town that we’re not familiar with). Unfortunately, we got confused by the signs for Exchange Street Car Park and mistakenly pulled in to the small layby outside the Aylesbury Leisure Complex. After pulling in we quickly realised our mistake, but there was a delivery van in front of us that was pulled sufficiently far forwards as to be blocking our path, and reversing back out onto the main road would have dangerous with the level of traffic (especially so close to the roundabout). When we initially pulled in the driver was in the middle of the delivery. Once the delivery was completed we waited for a while, before I got out to ask the driver if he could move. He was looking at something on his phone but apologised and then immediately drove off to allow us to exit. I would greatly appreciate your understanding in our appeal of this PCN, and hope that you are able to review the imagery from the cameras to confirm what I have described above. Response: Thank you for your correspondence regarding the above Parking Charge Notice. I can confirm the Parking Charge Notice was issued correctly and legally in accordance with the British Parking Associations (BPA) Code of Conduct Signage throughout the car park is compliant with the BPA rules and regulations. The signage is quite clear in its intent and is located throughout the car park. When parking on private land it is the driver’s responsibility to ensure they adhere to the terms of the conditions of the car park. As vehicle XXXXXXX was found to be parked in a no parking area, a Parking Charge Notice was correctly issued The land is private property and signage within the private car park clearly set out the rules and regulations of the car park. When parking on private land, a motorist freely enters into an agreement to abide by the conditions of parking in return for permission to park therefore if the driver fails to comply with the terms and conditions a Parking Charge Notice will be correctly issued. In light of this, your representations have been carefully considered and rejected.
  24. Hi, I have been paying off an old debt to original creditor at £10/month for the past 9yrs. I recently got a letter from Nolans Solicitors telling me that Marlin have appointed them to request payment of the full amount which is over £9k, a way load more than original debt. I have noticed the original debt is no longer on my credit file I have still kept paying the £10/month to the original debtor. Can anyone advise what I should do? It was taken out about 12yrs ago. Thanks
  25. My friends vehicle has been seized and a notice of sale has been received. I am the debtor. I have included this debt in my bankruptcy which was approved a day after the bailiffs came. The Official Receiver accepted evidence that this vehicle was not my asset. My friend has provided a receipt, a bank statement, a sworn statement and a letter from DVLA confirming the car has not been in my name since February 2017. The v5 was temporarily in my name for insurance purposes as I was borrowing the car. The owner has submitted an N244 application. I have submitted a form 4 in relation to a massive list of complaints about the bailiffs conduct. I have also written complaints to both the bailiffs (DCBL) and the creditor (UKCPM) The vehicle was due to be sold this Monday but I have not seen it on the auction website. It has been reported to the Police and they have said it is a civil matter. DVLA have also been made aware. The original creditor and bailiffs are refusing to respond to any emails. On the last phone call I had with them I was told the evidence provided was not enough to prove my friend owned the vehicle as I have to prove I never purchased it. I have emailed them asking if they would like a years worth of bank statements to prove no funds ever left my account for this vehicle. I have no idea how else I can prove I never purchased it or how else my friend can prove it is his. The only response I have had from DCBL is that the vehicle will not be returned until after the N244 application hearing. Does this mean they are planning on charging the owner storage fees if the Judge deems the vehicle is in fact his? If the Judge for some unknown reason deems this vehicle is owned by me can they legally sell it if I have been made bankrupt? I have spoke to CAB, national debtline, payplan and a whole load of other agencies. Any advice would be greatly appreciated!
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