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    • I thank the Consumer Action Group Members for getting me this far in my case which is still in progress.   Situation: The Court has reversed earlier permission for me to rely on witness summaries.    The question upon which I am seeking help, please,  is - do I need to bother myself as to why the Court has reversed permission to rely on witness summaries?  If so, what line of logic or law can might I follow because clearly, the Court has said one thing and then another a few weeks later, of its own motion, the Court has reversed the earlier decision. I find this development quite extraordinary in the sense that as a result of being granted permission earlier, I served the three Witness Summons which had the Court stamp.   Background Having given me permission to serve 'Witness Summons' which I served on 3 hostile witnesses several weeks ago, the Court has now reversed it's earlier decision, and refused me permission to rely on 'witness summaries' pursuant to paragraph 32.9(2), citing that I have not shown steps taken to obtain witness statements from the 3 hostile witnesses.  I however, made two attempts to talk to the hostile witnesses who have been non responsive and I can evidence this.   I would be immensely grateful for some steer from Forum Members, please.
    • Pubs all seem to be doing a roaring trade around here. It does make me feel uncomfortable but At least they are finally making some money. Our area, the South West never really got hit badly by the pandemic. Wiltshire has regularly seeing zero confirmed cases and deaths. So we will have to see how opening pubs really pans out!     
    • Thanks for filling in the forum sticky and well done on reading up.  The more info. we all take in, the more we know what the real legal position is and how to fight sharks like CEL.   As you'll have seen, CEL are one of the most dishonest and greediest of the PPCs.  If you had indisputable proof that your car was on Mars at the time, they'd find a way to reject your appeal!  Sadly POPLA has become more & more useless, as your experience shows.  Instead of managing the car park in a professional manner, it's highly likely that CEL don't illuminate the signs at night deliberately in order to catch out motorists like yourself.   The good news is that the only person who can make you pay this "debt" is a judge, after a court case.  So from now on ignore any begging letters from CEL and/or their rent-a-threat DCAs, but do not ignore a Letter Before Action/Claim which is a formal notice of intention to start court proceedings.  However, don't waste your time while ignoring them, build a case.  Like dx says, look up the planning permission.  If the KFC is local to you, go back in the evening and get pix of their pathetic signage.  Please post up what you wrote in your appeal too.   As a belt & braces approach, get on to KFC and demand they cancel the ticket.  Show all the proof you were a genuine customer and point out that you stayed an extra 19 minutes because you were consuming more food & drink!  However, what we often find is that the bod who runs the local branch often doesn't have much power, so don't faff around.  If the local branch don't cancel within 48 hours get on to to the area manager, and if you get no joy there in 48 hours go to CEO level.   It's highly likely that if you had complained to KFC straight away and ignored CEL's kangaroo court procedure that the matter would have been resolved there & then, but hey, what is done is done and you still have a great chance of seeing off these fleecers.
    • if you are twisting sideways to takaway pubs? rather than opening pubs as you initially referred   ... thats always been cheaper at off licences and supermarkets isn't it, and rather defeats the point of pubs, and restaurants?   WHAT are you actually saying/claiming/suggestion if anything?
    • They have got a plan https://www.gov.uk/guidance/working-safely-during-coronavirus-covid-19/restaurants-offering-takeaway-or-delivery   It seems pretty clear to me.
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aaron1980

Default Removal Vodafone please help

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Hi everyone, i have looked for this on the site i promise :) i have one default issued on my credit history and that was 4 years ago by Vodafone. this is the only black mark myself and partner have. we are both going for a mortgage at the moment and this is really messsing us up. i am really not sure what to so or how to proceed. there is so much information on here it bamboozles me and i am not great with this stuff at the best of times. any help that you can offer now matter how small would be greatly appreciated.

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can you clarify what it actually is you are asking?

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Sorry Andie, i have asked them to remove the default but they wont and i want the it removed, i paid the account up about 6 months after the debt 4 years ago

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Unfortunately I believe they are within their rights to keep the default on your file for the 6 years - they do not have to remove it if they don't want to.

 

Sorry

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damn so there is nothing i can do?! thats so wrong

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why is it wrong? What is the reasoning behind your belief that the default should be removed?

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well the debt is paid off it was 6 months afterwards. i just think i have no link to them i dont owe them anything can they remove the default!?

 

is there anyway of getting a mortgage with a default?

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was your payment late? Did you default?

 

It matters not if you paid it off AFTER the event.

 

As for a mortgage. It will reduce the amount of lenders willing to deal with you thats for sure.

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ok thanks.

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I would seek out the help of a independant mortgage advisor. It will cost a few quid but he should be able to tell you the lenders that will consider you.

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As long as the default shows as being satisfied (paid off) and no arrears owed you should be fine with a mortgage application.

 

Most mortgage companies will only be concerned if you have defaults or accounts currently behind with payments.

 

Mortgage applications actually tend to be easier to be accepted for than things like credit cards or unsecured loans because the mortgage is secured against the property so it's fairly low-risk for the lender in comparison to say a 0% credit card or a big unsecured loan.

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