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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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howard cohen - help needed with court docs **DISCONTINUED**


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Thanks citizenB.

That is really helpful.

Just one thing,whats your opinion on the ppi thats been charged for.

It was sold to my wife when she was a housewife as it says on the agreement.

Am I pushing it do you think.

Thanks again.

 

Is it being a bit silly,trying to reclaim ppi if I am disputing the account?

Everything is filled in on the agreement,but my other half has not signed it.

 

Hi kimberly,

 

sorry for the delay in responding.

 

hmmm, a difficult one I would think.

 

I am not sure how you would go about this. Especially if you are disputing the account. However, if the policy was mis sold then it could throw even more doubt on the agreement should it turn up !

 

I would say that the PPI was not of any benefit to your wife, if she was a home maker. This type of insurance covers you if you are unable to work !!

 

I will flag your query up for the site team and see if they can offer any advice.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for replying citizenB.

We do have the agreement but it's not signed by my other half.

It is signed by someone,but not my wife.

Everything else is my wifes details except the signature.

It even threw the judge,she thought my wife had signed it,untill I pointed it out.

Think I may mention the ppi to the judge in the skeleton argument.

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Thanks for replying citizenB.

We do have the agreement but it's not signed by my other half.

It is signed by someone,but not my wife.

Everything else is my wifes details except the signature.

It even threw the judge,she thought my wife had signed it,untill I pointed it out.

Think I may mention the ppi to the judge in the skeleton argument.

 

Ah, I see. I cant see anything wrong in mentioning this issue. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

Hi everyone.

Been to court today.

Got in with the judge and she asked if we were surprised that no one was there to represent Cohens?

I said no and asked why?

The judge said she had recieved fax from them 10 minutes ago,informing her that they were discontinuing with the case..........

The judge said so that is the end of the case as far as she and us were concerned.

As for costs she said she could not allow the litigant in person costs or the costs for postage or other sundries.

The only thing she would allow was the cost of transport £11.40!

Ah well.

They have fourteen days to pay up............

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Kim, this is great news. Sorry nobody has been along earlier to congratulate you - I'm guessing the site was quiet and people were suffering football withdrawal.

 

I'm amazed the judge didn't award costs - a travesty. Did you ask for them beforehand? Can't understand that bit.

 

Well done. Proud of you. Another CAG success!

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Well done!

 

Not been receiving my subscribed updates to this thread... strange.

 

Anyway, you can submit a costs schedule to Cohens and they will pay it within 21 days (they've paid two of my friend's ones in the past month or so).

 

If you need help with that let me know.

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Thanks for all your help and advice everyone.

Could you enlighten me a bit more vjohn82 please.

 

I'll go in more detail tomorrow but needless to say you can get around £250 out of them without them batting an eyelid ;-)

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Here we go then...

 

I have attached a letter for you to send them which you need to adapt for your own circumstances.

 

I have also attached an example costs schedule which I produced on Excel but of course your own personal costs may be different.

 

You also need to fill out an N252 form to attach with the letter and your costs schedule. I have attached a copy of the one I sent to HC which matches the details in the letter and the costs schedule.

 

So that's three documents to forward to HC... if you send today the deadline for reply is the 23rd July (21 days).

 

Let me know how you get on.

 

Here's the N252...

 

N252.jpg

Costs Letter.doc

Costs Schedule.pdf

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Thanks vjohn.

Just need to convince my other half to do this.

She is reluctant to do things that may stir them up on another case,that is stayed at the moment........

I am quite happy to give them all the s**t I can.

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