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    • It’s all unsecured loans and credit cards. Mainly loans now though as most credit cards are paid off.   so 95% unsecured loans.   I just don’t know my situation job wise it’s almost impossible to say whether it’s likely or not just don’t want to be caught out by it. My mental health trying to pay this off has taken a huge hit also if I’m being honest. I feel like mentally I need some kind of respite and the credit file cost is something I can accept also. 
    • Depends on whether part of the roof needs to be replaced and whether it is a standard roof type,  but the works should only take a day or two. Someone I know had a whole semi-detached roof replaced in about 12 hours. Suggest you put it in writing to the business about the issues you mention in your post.  Also as business premises, you could also apply pressure by contacting local Council if necessary. 
    • Thank goodness it's not your roof and you get to foot the bill! How big are these bits of mortar? How often are they falling into your garden? Hourly, daily? Just go ahead with your plans, of course, they're not going to be worried by your time pressures and the urgency of the situation, so simply carry on as you would have done and I'm sure everything will go fine. Unless there is a danger to life and serious structural issues which mean you cannot venture into your garden, then IMHO there is little more you can do less for what you have done so already and made them aware of the issue.
    • Hi all!   Thank you in advance for any help you can give me!!    I parked up (at 18:08) in a rush, entered my Reg and paid for an hour of parking. At 18:20 I got a ticket for not paying for parking.    I've just looked at my receipt and noticed why ... I put "22" instead of "21"  when i put in my Reg. yes... what a stupid mistake.    I seem to remember there being a court case or a rule change about entering the wrong reg but the company wasn't at a loss because i had paid for the parking just technically for the wrong car. Am i making that up?    Any advice would be gratefully received, even some key points i have to hit when doing the appeal      
    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
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Wescot chasing digibill???


clemma
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Don't know what to do about this one. Again it is in OH's name and is only for £36. He denies all knowledge (since I found out what Digibill is :eek:), but on investigation, the subscription was taken out while we were abroad....I think the ex-lodger may have signed up to something he shouldn't have done. What can be done? Ex-lodger say's it's not him as well.

 

Is it worth just paying Wescot to get rid of them?

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Don't know what to do about this one. Again it is in OH's name and is only for £36. He denies all knowledge (since I found out what Digibill is :eek:), but on investigation, the subscription was taken out while we were abroad....I think the ex-lodger may have signed up to something he shouldn't have done. What can be done? Ex-lodger say's it's not him as well.

 

Is it worth just paying Wescot to get rid of them?

 

If its the type of channels i asume that means:oops: it could be worse, i know someone who had to put a bill like this on there Banckruptcy petition, she was dreading the official reciever asking her to explain what it was:eek::p

 

(Oh By the way it was her OH who used her CC to sign up, just in case you where wondering:D)

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It is the type of channels you think :eek: No CC details given, but they did try and take £36 from my account....not on my shift, I don't think so!! DD was cancelled, phone calls made blah, blah.

 

The thing is, it was done through the digibox by pressing red(so they say) and they have our account details.....

 

I take it the prove it letter is the way to go then?

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I sometimes wonder whether these companies do this specifically because they think people will be too ashamed to argue.

 

I know of a guy who started a video [problem] and it ran like this.

 

They advertised in the local press in the "classifieds" personal XXX videos - £500 worth of tapes for only £25, limited supply first come first served.

 

There was a limited supply.....1

 

Several hundred people would apply and the 1 copy sent out (he gets a bargain) the rest of the customers, after a period of time get cheques to refund their money - the cheques are clearly marked "XXX BEASTIALITY & PORNOGRAPHY COMPANY XXX" - consequently most of the people are too ashamed to bank them . hence most of the refunds never get banked.

 

he made a lot of money out of that.....

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:eek: What's the channel number :p
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NVM - is this the one I need

 

Dear Sir/Madam,

 

Reference no: 00000000000

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully,

 

Clemma's stupid OH

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I sometimes wonder whether these companies do this specifically because they think people will be too ashamed to argue.

 

I know of a guy who started a video [problem] and it ran like this.

 

They advertised in the local press in the "classifieds" personal XXX videos - £500 worth of tapes for only £25, limited supply first come first served.

 

There was a limited supply.....1

 

Several hundred people would apply and the 1 copy sent out (he gets a bargain) the rest of the customers, after a period of time get cheques to refund their money - the cheques are clearly marked "XXX BEASTIALITY & PORNOGRAPHY COMPANY XXX" - consequently most of the people are too ashamed to bank them . hence most of the refunds never get banked.

 

he made a lot of money out of that.....

 

Well thats just added a couple of intresting words to find CAG under in a google search, anyone searching for either of those wont be expecting a link to a site like this:p lets just hope they debt problems as well:D

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  • 3 weeks later...

After Wescot's letter the other day, they have now sent me a pretty one that is all pink and red. They MAY lodge a claim with Hull County Court, charging me £80, and it is my final notice. Should I write some sort of "this account is in dispute" letter. If so, has anyone got a copy of which letter I should send?

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  • 4 weeks later...

Well, got a letter back from Wescot today saying that they are sending the file back to the OC :D No doubt some other lowlife will come along soon to try and demand the money :rolleyes: At least it only took one letter to get rid of Wescot though.

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