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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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I have opened this thread to say goodbye to a fellow Cagger who is well respected on this site.

 

Curlyben has advised that he will no longer be a member of CAG :-(

 

It is only fitting that he get a good send off and I wanted to be the first to give my thanks to him for all his hard work and excellent posts in his time on CAG and for the invaluable advice he has given me.

 

I know no one is indispensable but he is going to be very difficult to replace imo. His posts were not only informative but extremely accurate and to the point, leaving you in no doubt as to their validity obviously gained through hours of research and personal experience.

 

So Ben, this is to say many, many thanks for your hard work and I wish you well in all that you do - even if you can't spell :p:D

 

funny-monkey-4.jpg

 

Beer time methinks :lol:

 

PS - If anyone is in need of urgent help from Ben, however, just e-mail me and I will happily pass your message on ;)

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Thanks for all of your help Ben. You will be sadly missed.

 

 

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A prudent question is one-half of wisdom.

 

:D

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Hi, Bo.

 

Yes, I was also Gutted at the news. Ben helped me so many times on threads I will miss him loads. :(

 

I think he's going to try and finish the cases he's been working on, then call it a day.

 

I for one, hope he has nothing but good times ahead, him and his family.:-)

 

 

 

Regards.

 

Scott.

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All the best CB!

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Ben will be missed. He has helped so many get out of very difficult positions with the DCA's.

 

I wish him and his family health, wealth and happiness.

 

Ben, don't be a stranger. You have a lot of friends here.

 

Good luck

 

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I for one am really sorry to see you leaving. :(

 

But don't worry, you will still be hearing from me...:p

 

Good luck with everything you do, and i hope you wont be a total stranger on here. xxx

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Ben was well respected, not only on the forums, but also by the team.

He will be missed.

 

Good luck, Ben.

;)

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Lots of love CB.

 

Can't think of anything fitting to say, other than "Ook".

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I can only add my sorrow at Ben leaving.

 

He will be missed by a lot people on here.

 

So sorry to see you go Ben, good luck on whatever you do next, a lot of people can be greatfull of your advice. Be happy and we are all thinking of you !

 

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Lol Tiglet :D

 

It took me a while, but I reckon Ben must've done a lot of research before deciding on a username for CAG and I'd never heard of Discworld, not having kids :eek: So it was certainly an eyeopener for me but very appropriate for Ben methinks ;)

 

The Librarian (Discworld - Wikipedia, the free encyclopedia)

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I didn't think you were allowed to hand in your notice;).

 

Another big thanks from me for all the wonderful help you have given me and many many others. You will be missed. And years from now people will still be sending out 'curlyben' letters to put those DCAs in their place:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Oh Ben..what sad news! What will we do without the library! But thank you so much for all the help you have given everybody which then filters down when others read the threads.. you've been a star - enjoy the family (they'll cost you more than the banks!)

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When I saw the title goodbye Ben -- (I didn't know any other Bens, but) was hoping it wasn't going to be goodbye to CB. :(

 

His advice has been fantastic, and his letters ... the "CB specials" are spot on and do the trick:cool: .

 

Will miss you CB.

 

Good luck x :)

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Ben.

 

U will be sadly missed by me. I love your blunt and straight to the point letters and i am glad i have a few to send these idiots who think they know best.

 

the only better letters are my specials which general say the same in fewer words. Plenty of times you have advised me not to send one of my specials but to send one of yours.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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CB, you will be sorely missed and I say a heartfelt and sincere thank you for the help you have given me.

 

I wish you and your family all the very best for the future :D

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Maybe we should have a sticky dedicated to the librarian himself - especially all of his letters.

 

Or am I just being sentimental?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Well, Mr Tiglet and I are about to pop some champers i got from my birthday (haven't been able to drink all week) so here's a toast to Mr Curlyben!

 

"Crazy name, crazy guy"

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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thank you so much curlyben for all the help you've given me with lowells. i'm still battling them a year on, but hopefully i'll win in the end.

 

your advice and help has been fantastic. thank you so much again and the very best of luck and good wishes.

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I have to say... that it seems a bit strange how a lot of well-respected people seem to have been de-moted lately and/or are leaving the site altogether....

 

Is anyone brave enough to discuss what may really be going on here ?

 

:cool:

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I don't think taht's fair honey - if CB or anyone else feels they ahve anything to say then it's up to them to say it, not for anyone else to speculate.

 

Sometimes, other things do just get in the way - i know i haven't been around much lately because of things going on in my life and I would only ever assume that was the case unless someone said something directly.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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