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    • It's solved Laura.  It's in the paragraph I've highlighted here in the attachment from the IAS. Plus look at page 28 of the PDF of Bank's WS.  There is written - 157 IPS 29/04/2022 12:52 29/04/2022 14:52 YE60PZA 158 IPS 29/04/2022 12:51 29/04/2022 14:51 YE60PZA - there are the two payments. One is for the elderly woman's car. One is for your son's, but with the wrong registration. When I get a second this evening I'll add the exhibits to the WS and it will be finished. IAS adjudicator's report.pdf
    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
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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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