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    • Hi I took rooftop Mortgages to the County Court a couple of years ago asking them to produce the original mortgage deed which they did not it was just a copy the judge  referred me to the Chantry Court.  I pulled out because my friend stop advising me. I have now found evidence that Rooftop sold its mortgages for 200,000,000 to Farringdon No2 PLC plc I am now in the process of going back to the County Court if any can help please contact me
    • 1 Date of the infringement 14 Oct 2020 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 19 Oct 2020 3 Date received 20 Oct 2020 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Mentions "Made under the Protection of Freedoms Act 2012", but doesn't mention schedule 4 5 Is there any photographic evidence of the event? Photo of back of vehicle, showing number plate 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKCPS 8. Where exactly [carpark name and town] Gateway House Piccadilly 9. For either option, does it say which appeals body they operate under.IAS (IPC)   I appreciate this has been asked several times already, but commentators in previous threads seem to suggest that a No Stopping Parking Charge is de facto illegal, due to a 10 minute allowable period, but the recent case of VCS v Ward (attached) shows that this is not the case, and that de minimis non curat lex is not a valid defence.   Any suggestions or advice? ukcps redact.pdf VCS v Ward - ridiculous and wrong Appeal Judgment (1).pdf
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Eversheds County Court Paperwork / **SUCCESS**


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right i think i have had the best news ever, but would like you guys to clarify, i have had a Notice of Discontinuance from eversheds, i have not had a proper read as im at work, but will do later, where do i stand now, do i still owe the money or can i stop paying?

 

Well blow me down with a feather....

 

A gooner has "won" something this year :-D

 

They've withdrawn the claim, their case was weak and they've realised it

 

S.

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You need to ensure that discontinue has been filed on the court case asap.

 

As far as I understand it though you still have the debt but they cant chase you again for it in court as they've had their one bite (THIS NEEDS TO BE CONFIRMED) as you had already filed a defence against the claim :-D

 

Also they're liable for your costs :-D

 

S.

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IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Read from post 242 onwards in the following thread, you may be able to claim for costs.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/149589-help-please-re-ccj-25.html#post2050117

 

HTH

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cheers citb, have had a read through and after confirming with the courts, i need to bang a letter out asking for costs and ensuring that they will not be chasing the debt is the first place to start

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Well blow me down with a feather....

 

A gooner has "won" something this year :-D

 

S.

 

lol..cudnt let that go by without comment...sorry gooner.:D:D

 

 

well dun by the way

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cheers citb, have had a read through and after confirming with the courts, i need to bang a letter out asking for costs and ensuring that they will not be chasing the debt is the first place to start

 

Ok, that is good news then. it will give me great pleasure to change your title.. :-D And move you to legal successes. :D

Edited by citizenB

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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Right in that case, I will get the moving van out again... let me know when you know for sure. :D

 

Right, you are back where you started.:)

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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cheers citb, i will post a copy up of the notice of discontinuance up tonight, double check with the courts on monday, then start thinking about getting them to stop chasing full stop, also wanted to say a massive thanks to anyone who has given me any help or support through this case, i cant fault any little bit of advice that i have been given and i would have currently had a ccj and been paying god knows what without your advice

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Well done!

 

If it is any consolation, I am a Partick Thistle supporter and, if I win, it'll be the first victory worth celebrating since 1971!!!

 

I only mentioned it cos I'm a spurs fan :-D

 

S.

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***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Let us know what the court says!

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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I think they will struggle not discontinuing when they've sent you a copy of the notice.

 

It's probably just the bleeding Court receive it as well and having to wait 5 days the post! :mad:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

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Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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thought the same to be honest cars, if nothing else i have a letter i can send the courts that shows what they intend to do, but will double check on monday, will also have a look over the weekend at claiming some expenses and also trying to get them to stop chasing the debt altogether

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thought the same to be honest cars, if nothing else i have a letter i can send the courts that shows what they intend to do, but will double check on monday, will also have a look over the weekend at claiming some expenses and also trying to get them to stop chasing the debt altogether

 

Surfaceagentx20 did a fantastic wasted costs expose.. I think its on the site somewhere but if not I've downloaded the info if you want it posted.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

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Deal with your debts:

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***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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if you wouldnt mind that would be great

 

Ok I couldnt find the thread.. I know he did it but the search on this site is a little quirky

 

 

All Surfaceagents work.

 

S.

Draft LiP bill of costs for detailed assessment.pdf

Draft Notice of Commencement.pdf

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Deal with your debts:

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***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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thought the same to be honest cars, if nothing else i have a letter i can send the courts that shows what they intend to do, but will double check on monday, will also have a look over the weekend at claiming some expenses and also trying to get them to stop chasing the debt altogether

 

I don't think that's necessary. (Chasing to confirm they won't chase the debt)

 

As they have discontinued, they are unlikely to be able to bring a claim on a similar basis - if they try to, they will have to convince a Judge regarding what the original discontinuation was down to and why they should be able to reclaim on the same basis. Generally, a Defendant isn't usually expected to defend the same claim twice, as that would be unjust.

 

I suspect, then, that the debt will be written off following this.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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Ok I couldnt find the thread.. I know he did it but the search on this site is a little quirky

 

 

All Surfaceagents work.

 

S.

 

Isn't it this one?

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1701510.html

 

:eek:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Thats the one... why the exclamation of shock? It should be me as that post is in the middle of a thread... how I thought to download the files and instructions god only knows :-D :-D

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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cheers cars, what would i be best to do then, i obviously cant just assume they will write it off, do i need to mention it when i claim back my expenses, plus if they do write it off am i able to claim back the money i have paid them? or am i just being a little greedy?

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