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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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Help with Expenditure Form


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You're in the right place now WN and all the advice you've received so far is sopt on. You really do need to SAR the original creditor to look at a charges reclaim. If you need a letter give us a shout :)

Could you point me in the direction of the SAR letter please.

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Anthrax alert at debt collectors caused by box of doughnuts

 

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The good news is that RBS are not the best in the world at coming up with old agreements :)

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

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  • 1 month later...

Hello again.

I've finally recieved the Credit Agreement. I apologise because my information was off before. The loan was through Capital Bank which is a Bank of Scotland company, and not through the Royal Bank of Scotland which I originally thought. Also it says it was for £4000 and not the £3000 I thought it was. Anyway, attached is a copy of what they've sent me.

my.php?image=creditagre

URL%5D

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You forgot to attach it. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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They're too small, can you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & then copy & paste the URL back here?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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  • 1 month later...

Once again I've recieved a letter from Blair Oliver and Scott asking me to call them because my repayment is up for review. I'm to have details of my income and expenditure at hand for their Collection Specialists to assist me.

 

Any thoughts on what I should do? :???:

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Only a court is entitled to that information, report them to TS and the OFT and copy them in on the letter :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

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TS = Trading Standards

OFT = Office of Fair Trading

 

Consumer direct can help you make a complaint to your ow TS, their TS and the OFT:

 

Trading Standards Institute - Home page

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"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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You can write a short letter to BO&S advising that you have contacted TS and the OFT for asking for information they're not entitled too and that your circumstances haven't changed (if that's the case) and you will not be making increased payments or you may have to decrease them if your income and expenditure dictate this!

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Hi

You say they are asking you to phone and have your income and expenditure ready so they can come to an agreement. Don’t ring and tell them nothing!

 

You say you are only in receipt of benefits for you and your children. There is no way you should be paying £20.20 per month from benefits.

 

When you received your award letter from the DWP it says in the first paragraph what you are entitled to and then goes on to say this is what the government thinks you need to live on. Benefits are for you and your children to be able to live and £20.20 must make a big dent in your resources.

 

Don’t send them an income and expenditure letter send them a letter stating that your only income is benefits and you are only able to offer a token payment of £1 per month as a gesture of goodwill until your finances improve. If they did issue court proceedings and unless you’re sitting on a fortune in assets I doubt they would, a £1 is all a court would award.

 

BOS do like to try and bully you don’t let them if you have not got it you cant pay it. This is the letter I sent

Since making that above agreement with you, my circumstances have changed.

We cannot now afford to agreed monthly payments because ... [your paragraph added here]

In view of our circumstances, would you please a goodwill payment of £1 per month to be reviewed in six months. If

interest or other charges are being added to the account, we would be grateful if you would freeze these so our

debt does not increase.

Should my circumstances improve we will contact you again.

Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully

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