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    • Odd one this, I recieved 2 notice's for the 18th and 19th April stating that I overstayed on Wigan Robin Retail Park. Permitted Minutes 180. They state I was there 355 minutes on the 18th and 388 minutes on the 19th. Both times I was there around 10 minutes getting my wife a brew from costa after dropping the kids off at school.  On both days I had passed through there a second time around 3pm, again to get a brew then left. Both notices have 2 images each, Entrance and exit.  This is the interesting bit. The Entrance images both timestamped actually clearly show I am exiting the retail park not entering it. And the exiting images they provided show me leaving the carpark after visiting a second time later in the day. In the attachments You'll see all 4 images show that I am exiting, none of them are of me entering. I understand most if not all that see this post won't know the area but if the look at the map link i gave you'll see the road I was on leading up to the main road. g24 ltd 1.pdfg24 ltd 1.pdf GoogleMap view of the road I am on in the entrance images I would have had dashcam footage but I since formatted the memory card. I tried recovery tools but I couldn't get the files back.  
    • An update: I just got another PCN. I get the feeling that someone in the residence is calling OPS, as it's dated for a few mins after I parked. I won't appeal of course. Interestingly, our cleaner was also parked but didn't get a PCN. I asked them why and apparently they're whitelisted. I did ask the MA if they could whitelist me and they said they couldn't. Clearly they decided not to tell the truth. Surely, this would resolve all of the issues entirely i.e. we'd keep non-residents from parking, whilst allowing for residents to park without issue? Also, could OPS now take me to court for both PCNs separately, or could it be one case?    
    • I was with sse broadband until Jun 2023 at which point without notifying me they passed me to origin broadband who I was unaware is my supplier now -  My broadband at home kept working and I was under the impression that sse are taking direct debit payments from my bank account and everything is fine because the Internet has continued to work.  To my horror I have just noticed that origin broadband has been sending me PDF bills for £39 a month and the email heading has been showing as just no reply so I thought it was junk and never bother to check it.  I have now noticed a bill every month and now I owe them some £350. I did instruct origin to supply me Internet and therfore don't feel responsible for this debt.  What are my rights and is it a legal debt considered I did not sign any agreements with them - their first contact with me tho was very clever back in July 2023 trying to lure me into an agreement however because I just saw that email now I'm not sure what to do because I owe them 400 pounds nearly supposedly at 39 per month.  Our agreement with sse was for 26 per month but they shut shop and passed us to origin without asking our consent.    The following is what origin email said back in July before they stated sending invoice every month for payment.    We hope you're enjoying your reliable phone and broadband with us. We're just letting you know your phone and broadband package will end on 30 Jun 2023. Thankfully, good things don't need to come to an end - read on to decide what you want to do next.   Below you'll find the details of your current package and some other great options to compare it to.   What can I do - shall I just pay the debt and cancel it and move elsewhere or is there any way I can fight this as they are more or less enforced upon us with out permission by sse who most Likly sold our accounts to them.    Any help greatly appreciated 
    • whyisthis - Oh bless ya, it's so easily done.  Not worth losing sleep over; listen to the guys here, they know their stuff.  They won't take you to court, they'd get laughed out of it x
    • Monk - you are an experienced and respected member of this forum. Surely you realise how vitally important it is to respect court deadlines. There was no lack of knowledge.  You knew the deadline date.  You calculated it yourself in post 5.  It was written on the claimform.  Defence deadlines are written on probably a thousand threads on the forum. Sorry, but if you're up for a legal fight you also have to be up for organising yourself properly. As for now - 1.  pay it within 30 days and the CCJ disappears, or 2.  don't pay, nothing "legal" will happen, but you'll have a CCJ for six years.
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CCJ from CL finance (Howard Cohen)


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It might just disappear never to be heard of again CCM. That happened with one of ours and I have not bothered to question it. Same situation as you, I wrote to the court and said they had not supplied the information and have heard nothing for a long time.

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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  • 3 weeks later...
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OK can anyone cast an expert eye over the attached please:-D...I seek swift response to advise if HC Cohen have correctly complied?

 

Also a couple of statements...which you will see include a regular monthly protection scheme. Cant recall the detail sorry:-| - but in view of the amount of cover seems steep, anyone comment/advise please. A useless protection scheme:mad: ...a quick reckon up means its cost around £400 since June 06!

 

img-090114001520-0001.jpg

 

img-090114001520-0002.jpg

 

img-090114001520-0003.jpg

Season greetings at Christmas & Happy New Year to all!

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County Court General Form of Judgement or Order says...

1. Allocate 'Small Track'

2. Use 'Small Claims Mediation' service.

 

Hearing date set on the Small Claims Track for 17th March.

 

Initially reply required to have this set aside, varied or stayed within 7 days - dated 16th January so must respond tomorrow to be within ideally:)

GCC16Jan2009.jpg

Season greetings at Christmas & Happy New Year to all!

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Hi DDD - i'm dealing with howard cohen also at the moment so good luck with yours.

Goldlady - sorry to hijack but i have a hearing with HC end of this week in court for them to produce docs. I thought if they didn't produce by then it would be struck out? (have a CO hearing in mar regarding this but the one this week is regarding a set aside i applied for).

Can the court give them more time? If so really what is the point of giving them a date and then not sticking to it? :confused:

Sorry, it's just that i'm panicking a bit now!

Lisa x

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The court will probably give them more time, which seems unfair as I am sure we would not be given the same chance. However in my experience the court will lose patience with them in the end and you will get the case struck out. Just make sure you keep the court informed all the way along.

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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may i formally bring to the attention of our subscribers the follwing post from alanfromderby

 

quote

 

 

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=&a=149

 

 

Have you had dealings with a West Yorkshire based Debt Collection Agency?

 

If so, we have received this request for help:

 

I'm a journalist at the BBC, working in local radio in West Yorkshire. I'm interested in hearing from anyone who has had dealings with any West Yorkshire based debt collection agencies. If you too are based in West Yorkshire that would be ideal, however I'm still very interested in hearing from people all across the UK.

 

After initial chats at some stage I may wish to do a pre recorded interview with you. If anyone would like to get in touch to tell me about their past or current situations with West Yorkshire DCAs please contact me at: [email protected]

 

unquote

..

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  • 1 month later...

Both poor reproductions but these are almost the same as the ones in the bundle they are or already have submitted to court for next week....which I have been also sent a copy. I contains thes and some copies of the letters they have sent with a small sample of statements I assume confirm the account has been used.

Also perhaps a red herring but they claim the card was 'lost' that is incorrect, I have an outstanding issue on what (if any protection) was afforded by the account fee I dutifully had collected regardless of account condition!

Edited by debtdebtdebt
not enough detail

Season greetings at Christmas & Happy New Year to all!

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hiya just noticed it s a debenhams account,,,is that it,,,no other terms and conditions,,,, that looks diff to mine,,,how old?

 

sorry going to read back over your thread now as only found it this eve,,,

 

brb agnel x - am back

 

now i can see the second page of your scan,,,are they suggesting this was together as one peice of paper? ie a document, but if you cant read it clearly then surely thats against the act ?

 

have you seen this thread about cca's will come back and post it for you to have a look

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html

 

 

in the meantime have you seen this thread too?

http://www.consumeractiongroup.co.uk/forum/legal-issues/187437-howard-cohen-no-more.html

 

 

laters angel x

Edited by angel_1
  • Haha 1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya DDD

 

well i m waiting on my sars info,,,so not sure but cl finance have sent me terms that were supposed to be back of an app form but contains PIN info but in 2005 that was just coming out,,,,and ive been told my deb card account wouldnt operate on a pin card system - out of curiosity was yoru account only had to sign at the checkout,,,you didnt get any pin with yours even when the pin technology came out?

 

i challenged what i had initially and they admitted hadnt sent me correct info firstly then now they supposed to have still investigating these other terms at the moment ive been sent

 

i wish i can find my original paperwork, might have destroyed it ie fear of identity theft,,,lol

 

so my sars is my only hope,,,,going to report to inf com off now that is needed by me i think

 

well good luck and if i can help further even for support im subbed on your thread,,,

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Bump anyone???

Just need an experienced eye to give me a thumbs up/down on this on this photocopy? Is it a correct CPR document as I requested?

 

Much appreciated:)

Edited by debtdebtdebt
wrong content

Season greetings at Christmas & Happy New Year to all!

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It appears partly OK to me (has APR's for purchase and cash withdrawals)

 

However, if that is how the copy they sent you looks, theyre knackered

 

SI1557(think thats the one) "copies of documents" requires any copy to be easily legible

 

Hopefully someone else will pop along and give an opinion on other aspects, I'll have a think myself

  • Haha 1

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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Thanks ncf355.....I'm due in court on 17th March, running out of time.....eeekkk:cry:

 

I have the confidence to do this so long as I have all the right responses and they are accurate and correct.

 

Just a thought on the fact they are poor copies....the 2nd one only has the date as '18/12' is that OK....does not include the year! It also appears to be a short side covering the rest of the complete document it was copied from....so I make that incomplete...any comment on that?

Edited by debtdebtdebt
error and amendment

Season greetings at Christmas & Happy New Year to all!

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Its different to mine, and Clearer, but it does state application form on it. Is it a valid agreement I would say not but you need to check the thread about agreements etc, this is a sticky I belive in the debt forum

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

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In short can anyone help ....due in court no papers served and I am really unprepared. hopeless case or naything I can do. I have clearly runout of time....can I plead exceptional circumstances on anything?

 

ANY help will be GREATLY appreciated......:eek:

Season greetings at Christmas & Happy New Year to all!

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hiya

 

only thing i can can think of click on the red triangle next to the scales and a mod will be alerted to this thread, maybe some legal expertise will then view your thread and see your next options

 

not got to any court yet so really cannot help in that direction - have you located any other threads with these creditors that people who have gone through this process may be able to help you further?

 

keep positive i will look in again over the weekend

 

take care laters, angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Morning, I'll have another read through the thread and get back to you later, in the intervening period this will bump the thread

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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Hi again DDD had a re-read and a look at the document. This is now clashing with Newcastle V Hull and, being a Geordie, well, you understand. On the face of it you might have a chance on two grounds, first the agreement looks illegible and second, all the sections do not seem to be within the four corners of the document although it is difficult to say, given the quality of the scan. I'll be back this evening, in the intervening period have a look at the link PGH747 posted and see what you think.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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