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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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VG - Vs Northen Rock - Charging Order


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How is the property owned e.g. are you joint tenants or are you tenants in common?

 

Joint tenants is where the property is owned by you both but neither of you own a particular share in the property. In this situation it is just normally assumed that each person owns half the property.

 

Tenants in common is where the property is still owned by both of you but the share in the property is defined. For example it could be a 50/50 split or one of you could own 10% of the property and the other one 90%. So to put it another way tenants in common is where you both have a predetermined share in the property.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hello rory

 

We have a joint mortgage, should either one of us pass on, the other becomes the sole beneficiary.

 

I believe this is our situation:

Joint tenants is where the property is owned by you both but neither of you own a particular share in the property. In this situation it is just normally assumed that each person owns half the property
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Hi V G,

 

And apologies to rory32 for interupting your train of thought on questions.

 

Just to re-enforce what rory32 has stated - "Sale orders after a charging order are very rare and judges will only grant them in exceptional circumstances. Judges really don't like granting them and if you are making an offer to pay the charge then that strengthens your case."

I was told this earlier in the week by a Judge at my OH's Redetermination\Charging Order hearing.

 

Are the hearings for the Redetermination and Charging Order being held together ?

 

How many other creditors do you have ?

 

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Hello Supa

Are the hearings for the Redetermination and Charging Order being held together ?

I don't fully understand what's taking place, I know NR were granted an Determination or something, and it's that what I've appealed against, I'm waiting for a hearing now.

How many other creditors do you have ?

In total we have 10 creditors, this breaks down as

 

2 Overdrafts - so excluded from CCA

 

2 DCAs unable to produce a valid CCA

 

6 Creditors / DCAs which are loans / CC / store card debts.

 

We are paying ALL 10 creditors via CCCS

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Ok V G,

 

thanks for the answers.

 

(Apologies to rory32 if I appear to be stepping in, please feel free to kick me out of the way )

 

 

I see you have applied \ appealed to the court for redetermination and it should be held at a local court.

Call the court that you sent your redetermination appeal letter to see if they have received your request.

 

Have you received any correspondence from Northern Rock or Land Registry informing you of an application for a Charging Order ?

 

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Have you received any correspondence from Northern Rock or Land Registry informing you of an application for a Charging Order ?

At this stage no.

 

May I ask another question, NR have been granted a CCJ against me when they were granted the determination, I was not aware of this, however, I'm receiving spam mail from various companies informing me of my CCJ (this is how I became aware I had a CCJ)

 

These companies are offering "Financial Advice" I'm registered with MPS (Mail preference service) to stop junk mail, are these companies allowed to send me mail?

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These companies are offering "Financial Advice" I'm registered with MPS (Mail preference service) to stop junk mail, are these companies allowed to send me mail?

Not really. I would make a complaint to MPS. Here's how to complain MPS Online Registration

 

These sort of companies are nothing better than ambulance chasers in the main who will search the register for people with CCJ's and "help" you for a fee. Many of them are just cowboys out for a quick buck preying on people in vunerable situations.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I'm requesting my CCA on this a/c, do I send my request to NR or Eversheds who are the solicitors acting for NR.

 

Edit: I'm not signing the CCA request, but can I type my nmae or do I actually have to print it?

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Hi VG,

 

The CCA request goes to Eversheds.

 

Just type your name.............there is no need to sign it or actually print it.

 

And send Recorded Delivery.

Yo Supa

 

Ta, do I need to send recorded delivery if I'm including a postal Order?

 

I'm sending 6 CCA requests, recorded delivery could work out quite expensive.

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Hi VG,

 

I know the cost of sending by Recorded Delivery is quite expensive but what you get for this is a trackable form of delivery ( You can check this on www.royalmail.com, click on the "track & trace" and enter the number ) and a copy of the signature to confirm its delivery.

 

They can't deny that they never received your CCA request then can they ?

 

Alternatively, if you cannot afford to go for Recorded Delivery, you could take your CCA requests to the Post Office counter and ask for a "Certificate of Postage".

 

Any letter posted to a company holding a Consumer credit licence is deemed served (delivered) after 2 days using a 1st Class stamp or after 4 days for 2nd class stamp.

 

Hope this explains your question.

 

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Alternatively, if you cannot afford to go for Recorded Delivery, you could take your CCA requests to the Post Office counter and ask for a "Certificate of Postage".

 

Any letter posted to a company holding a Consumer credit licence is deemed served (delivered) after 2 days using a 1st Class stamp or after 4 days for 2nd class stamp.

Hey, WoW

 

I've never heard of this before, is it free of charge?

 

What is it exactly, do I just hand over the sealed envelope (6 of them) to the postmaster?

 

Sorry if I sound thick here.

 

I was going to go for a stroll later and put them in the post box, should I go to the post office instead tomorrow?

 

I tried to give you some rep points, but it's told me to be generous with others first!!!!

 

It keeps saying that to me!!!

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I know this method is a lot cheaper, and you get proof of postage, however, im pretty sure you dont get proof of delivery.

 

To be honest, the royal mail these days is a joke, the only reliable method with them is Special Delivery, which costs over £4 per item, i only use it for very important docs, the next best thing is recorded signed for, i think about £1.40, which should get there, but its a lottery as to whether you can get confirmation.

 

No you dont tell the postmaster what your letter is about.

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Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I know this method is a lot cheaper, and you get proof of postage, however, im pretty sure you dont get proof of delivery.

 

To be honest, the royal mail these days is a joke, the only reliable method with them is Special Delivery, which costs over £4 per item, i only use it for very important docs, the next best thing is recorded signed for, i think about £1.40, which should get there, but its a lottery as to whether you can get confirmation.

 

No you dont tell the postmaster what your letter is about.

Thank you CCM, I nearly called you CCA :D

 

OK, well I've never used this facility before, so just for a test, I'm going to give it ago.

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I do agree with what CCM has said to a degree...................but isn't it funny how Banks and DCA's mail is always delivered :confused:

 

As several people have pointed out in other threads, companies stating that they have not received a letter from you is NO defence and vice versa.

 

By the way, the cost of 1st Class Recorded Delivery is £1.08

 

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How up to date are NR with the prescribed terms in a CCA?

 

I've read on here about some companies like EGG for example as one company who are almost 100% perfect with CCA, compared to other companies who seem a little "careless" curious where NR fall.

 

The reason I ask, NR are in the process of taking legal action to try and obtain a CO, I've requested my CCA from Eversheds for this personal loan which is around 18 months / 2 years old.

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If it is a personal loan and not one from a together mortgage I would say it will be enforceable but for the sake of £1 I would request it anyway.

 

Mine was enforceable but I didn't realise they had PPI on it. It was all front loaded with interest and an £11,000 loan went up to over £21,000 with the PPI and interest. I've now been paying a higher amount and the loan is around £14,000 outstanding but minus the PPI and interest for it I will have just under £7k left. So I'm reclaiming it.

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Just an update, I've had my court date come through, the thread got a little side tracked so to update any new viewers, this was initially about Northern Rock trying to obtain a CO against my property.

 

I don't have a clue what's involved when I see the judge, is there anyone who has been in a similar situation who can offer any advice, it states on the court papers time allowed for hearing “5” minutes.

 

I'm extremely apprehensive to say the least.

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