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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Egg - County Court Summons - could anyone help please?


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hello again

I've been through the documentation sent by Egg and realised that copies of the default notices aren't included and transcripts of recorded conversations are also missing.

 

What's the best way to respond to the missing info as I don't know what else could be missing?

many thanks in advance

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Your Name

Yor Address

Your Town

Your County

Your Postcode

 

Date 2009

 

 

The Company Secretary

The Creditor

Creditors address

Creditors town

Creditors county

Creditors postcode

 

 

 

 

LETTER BEFORE ACTION

 

Section 7(1) – Data Protection Act 1998

 

 

 

 

 

 

Account: XXXXXXXXXXXX

 

 

 

 

 

Dear Sir / Madam,

 

 

You have failed to comply with my Data Protection Act Subject Access Request dated xxth xxxxxxxxxx 2009.

 

 

I will remind you as to what documents I expect.

 

The following is by no means an exhaustive list but in the main this is what I require.

 

 

Please supply me with a complete list of transactions and charges relating to ALL accounting history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

 

Additionally, all records you hold on me relevant to this account, including but not limited to:

 

 

1. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to the account.

 

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company

 

3. Where there has been any event in my accounts history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response

 

4. True copies of any notice of assignment and/or default notice or enforcement notices that you may have sent to me, with a copy of any proof of postage that you hold.

 

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted.

 

 

6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

8. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

 

9. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

10. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

11. A copy of all account statements for the duration of the agreement.

 

12. Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998.

 

13. A True copy of the consumer credit agreement section 77-79 of the Consumer Credit Act of 1974 for the account.

 

14. Any Other information relating to this account.

 

 

 

If you do not comply within the next 14 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

 

 

 

 

Yours Faithfully,

 

 

 

 

 

 

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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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hi CCM,

 

many thanks, as always, for coming to the rescue :D

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the Sun is always shining, it's just that you can't see it sometimes

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  • 1 month later...

hi

thought I'd give you an update (not terribly exciting though)

 

The case has been stayed for about three months waiting for Egg to provide the agreements under the CPR request.

 

Today I received a Notice of Arrears - what's that about? I'll just file it unless anyone suggests I should do something else?

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Hi Sunshine,

 

I`m not exactly sure what the score is with the Notice Of Arrears, but I have received one of those also, not so long back.

 

I think new Regs mean they must issue them, so customers are kept in the loop, so to speak, just like the yearly Statement.

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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I think new Regs mean they must issue them, so customers are kept in the loop, so to speak, just like the yearly Statement.

 

 

i believe NP is correct abt this being a requirement of new regs.

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morning all (had an early one last night)

 

thanks for the feedback.

 

It's in a nice new format and it also highlights that it includes PPI which they didn't mention in the Court paperwork.

 

It doesn't make a lot of sense given that the case is at court though - I'll just file it and wait 6 months for the next one.

 

thanks again

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Arrears Notices were introduced in the 2006 Act and came into force on 1 October 2008. They are fertile ground for challenge. By all means, file your ANs but do check them for mistakes.

 

As for why they are still being sent during the court case, the requirement to produce ANs continues until judgment is obtained.

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ah I didn't realise that.

 

thanks for the education.

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Theres some new regs that have come out, im not entirely sure what they are, but involves them bending over backwards to make sure you have all the necessary info to avoid a court claim....all to your advantage

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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  • 1 month later...

hi

having heard nothing for weeks about this stayed court case, today I received a hearing notice from the court saying that the deputy judge had reviewed the Allocation questionaires and has scheduled a 20 minute hearing to see whether all requested documentation has been provided and what the basis of my defence would be.

 

is this usual? I'm a little perplexed as the case is still stayed so I thought that nothing would happen unless either Egg or myself took some action to move it on.

any advice gratefully received :confused:

=================================================================

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the Sun is always shining, it's just that you can't see it sometimes

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hi just read the notice from the Court properly (and realised how easy it is to miss things when in a bit of a panic)

the hearing is a telephone one and the Claimant is ordered to arrange it - is this usual?

many thanks

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Hi Sunshine,

 

I`ve never heard of this myself, but perhaps someone else may have.

 

Bump again ;)

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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hi

I just googled 'telephone hearings county court' and apparently this was introduced in 2006.

 

There are types of hearings that are supposed to be dealt with by conference phone conversations in order to save time and money

 

Conference calls can't be used where the case could be determined. probably a good idea

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Sounds like a case management conference (CMC), where the judge isnt happy to draw up an order based on your AQs, and wants to know more, stick to what you have asked for in your AQ, and explain why you need it, dont let the other side try to rubbish your arguments.

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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hi CCM

 

thanks for your advice and support. I was a bit shocked to received the hearing notification. I rang the court today cos the letter said that I had to attend but then it talked about the telephone etc. They confirmed that I don't need to physically attend the court but the solicitors for Egg need to arrange the call and send me details.

Edited by Sunshine54

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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sorry - the other thing that I didn't appreciate was that the court would progress this even though the case was stayed until I got the info. I suppose I assumed that it would remain in that state until either Egg or myself took some action. Maybe the court are doing some tidying lol

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the Sun is always shining, it's just that you can't see it sometimes

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hi another development

I today received a letter from the solicitor asking for contact details to set up the conference call.

Edited by Sunshine54

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the Sun is always shining, it's just that you can't see it sometimes

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not sure that last question said what I wanted to say

 

what is the best response re me not receiving stuff that they say they have sent.

=================================================================

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the Sun is always shining, it's just that you can't see it sometimes

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Hi Sunshine,

 

Not sure really. They could simply be trying to pull a fast one and may have not sent anything at all.

 

You could ask them to prove it by supplying you with a receipt of postage, together with recorded delivery slip which you should have signed.

 

They`ll say they didn`t use such services, then you say `well you should have for such important documents. Then there wouldn`t be anything to argue would there?`.

 

Someone will probably be along soon, hopefully.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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hi N.P. thanks for the comment

I have read lots about the actions of solicitors and DCAs on this site so I wouldn't be surprised whatever the outcome.

 

My logic would suggest that if they had sent the documentation to the Court then the Court would have given me a specified period in which to review the paperwork and submit a defence and they haven't done so. The telephone hearing next month may have been scheduled because they submitted documentation to the Court but it seems odd that it wasn't mentioned - or am I just naive?

I'll ring the Court tomorrow to see whether they received the letter

thanks again

=================================================================

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the Sun is always shining, it's just that you can't see it sometimes

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