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    • 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?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
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How can I remove an arrangement to Pay from my credit file?


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Hi everyone, I have read numerous posts on here and found them to be very helpful with several other matters I had, however this is my first post so if i do something wrong...i am sorry and any help would be greatfully received.

 

To be brief I took out a lloyds personal loan in July 2003 at the time i was told by the personal bank manager that because of my previous history with the bank (i had orginally had a student account with them which i wasn't very good at maintaining) that I could only apply for the loan if I took out payment protection. I was a naive 24 year old them so I agreed to go ahead with the loan.

For 12 months i was fine and didn't miss a payment, then in 2004 my wages were reduced at work (bonus related) my reduced salary was crippling me and i started to incur charge after charge for missed DD, going over my overdraft etc etc etc, I did not received any asistance from the branch when i approached them.

 

6 months later and 6 missed loan payments my account was taken away from branch and sent to a colections center in brighton.

i could now only deal with my account over the phone.

After my first contact with them they agreed to set up a payment plan of £100 a month £50 to pay off my overdraft and £50 to pay off my loan.

Over the next year they completely messed up the payment schedule some months taking out double the amount, some months taking out the orginal payment of £183 and also the £100...if I was overdrawn at the time, they wouldn't return the dd insted sent letters insisting i had to pay more money into my account to cover it.

 

i have followed some of the advice on here and also been in to see my bank manager as my account is now back at branch.

 

* I went back to my original £183 payment in August 2007

* In January 2008 I made a final payment of £5979.68 to close the loan.

 

My credit file is showing that the loan is settled but on all the payment months it has an AP assigned to it (arrangement to pay)

This is crippling my credit and I am being refused left right and center.

 

I have the original CCA agreements both my copy and the banks copy they are both unsigned!!! as i dont remember even returning them back to the branch.

I sent a request to lloyds to ask if they had any copys and sent the £1 fee.

I got a nice letter back quote

 

"Thank you for your letter dated 17th February 2009 requesting a copy of your credit agreement.

I am sorry but we are unable to provide you with copies of your loan agreement documents as they were never forwarded to us from the branch the loan was taken out at: however we can provide you with the information you require:

date loan opened, loan amount" etc etc etc

 

My main objective is to get the ap removed from my credit file I have already had £750 in bank fees refunded in 2005 which is half of what I worked out I had been charged. I acepted as I needed the money at the time,

 

Any ideas on what my next step should be???

Also do I have a case for mis sold ppi?

I am missing something else?

Let me know if you need any more info

 

thanks in advance

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well i would certainly go for the ppi

as for getting the marker removed.

i doubt it somehow, they are not actually 'wrong'

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx,

thanks for you reply, I have been thinking...

The times when i went over my overdraft were solely because of the bank charges and overdraft interest charges...which i have since been refunded...it was never more than £35 so if i wasn't paying the ppi then i would never have gone over... it was only in the later months when the bank charges started acruing that things got really messy... i can remember 1 month i had £200 in charges alone. This is when i started missing the loan payments.

do you think this adds any weight to it?

thanks again

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well thats good then

if you can prove [prob by you not touching the a/c in-terms of withdrawals] that their ppi/charges/int were the sole contributor then yep they will have to be removed.

 

sri its been quite a while since i did or heard of that as this stay is getting me brain forgetting thinks!

 

good luck

 

there are plenty of threads about the process though you seem pretty clued up.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Having slept on this one again.... because the bank cannot provide me with the original signed credit agreement and the loan was taken out pre 2006... does this deem it unenforceable? I do realise that because I continued to make payments that by default I have entered into a contract of sorts but surely this simple contract would not abide to the orginal arrangements such as when to pay and amount to pay etc., so as such surely I would not be in breach of contract when payments were missed

Do you think I am clutching at straws???

If not...I am composing a letter today...should I address all of these issues in the same letter or address each one separately

ie:

1. missold ppi, p.s this agreement I have is also unsigned

2. unsigned credit agreement,

3. failings by the bank to treat me fairly

4. Bank charges (which have been refunded) were a sole contributer to the poor state of my account

5. I am also looking into discrimination based on earnings as when all this happened I was on a salary of about £11k per annum...the bank hardly had time for me...now i earn in excess of 6 figures and I have my own personal bank manager who phones me on a regular basis just to see how i am!!!! they cant do enough for me now. BTW I have asked him about these issues and unfortunately he hasn't got a clue.

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it prob would mean it is unenforceable, but not because of pre 2006 though, whatever that is?

TBH, yes, i think your are clutching at straws & i wouldn't go down that route, because unltimately i dont think thats what you want to do, shirk you responsibilities.

 

as i said IF you can prove their unfair charges resulted in you getting unkust markers on your CRA, then they would have to be removed, you might have already proved this by them refunding before? so why not ask the question of why were the defaults not removed when they refunded?

 

as for the mis-sold ppi, you have already given enough info here for [in my eyes] a good case.

 

with your current financial situation, i dont thing it will take too much for them to cough esp as they have not proff against it.

how about you produce your copy of the agreement [which every good customer has kept! lucky you] that should prove it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks again for you advice dx...

To clarify i repaid the loan in full in January 2008 and I dont owe them any money...I just need to get the ap removed from my credit file.

The 2006 thing is the updated CCA which states that you dont always need a true signature as applications can be made electronically. As my loan was taken out before that it doesn't apply.

 

I think you have helped me make up my mind on this, I will firstly try a more personal approach see how far that gets me before I start quoting CCA/ data protection/ deformation of charater legislation etc etc etc

 

What makes me really frustrated is that at the time they decided to reshedule my payments they said nothing about it crippling my credit file and the affects it would have on my future...if I had known then what i knew now there is no way I would have agreed to it. If fact thats what all the letters say..."here is your new payment schedule" not here is your arrangement to pay.. i have found this to be the practice of many organisations and I would like to lobby for a more transparent system especially in todays market where you are judged on your credit score and not on your affordibility....but that is another fight

 

thanks again i will keep this post updated

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