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    • 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.
    • do you mean they are saying lowells got a CCJ by legal proceedings? if so when?
    • Hi    my other half received a letter about a month ago from BW legal stating he owed around £400 for talk talk account from 2013    we called talk talk. Can’t pass security as his phone number and email address don’t match the ones on file and there is no way around this    we sent a subject access to BW legal they’ve wrote back to say they’ll be in touch shortly but they aren’t suspending collections activity while this is being investigated?    BW legal told us on the phone the last payment was made April 2013 but legal action started Jan 2014  so it’s still enforceable until jan 2021    non of this is showing on his credit file.    where do we go from here. Obvioisly we don’t want to impact his file but how can we prove it’s Not his debt as we can’t even access the account!?    surely they can’t continue with collections activity without supplying this information we’ve asked for.    any help or advice would be appreciated :) 
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Hello,

 

'm new here and looking for info..

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About what, exactly?


If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi Rooster,

 

Ok long story short, i have about £3000 on my lloyds credit card and have been a good customer for 10 years. Two months ago 'm being made redundant and told them the situation, and ask for some sort of help or grace period to pay off the debt, but they wont help me..

 

What are my options? please help?

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Put something in writing to them and keep a copy.

Explain your circumstances and remind them that they have a responsibility under the banking code,and also guidance from the FSA to look sympathetically at customers who are experiencing financial difficulties.

Ask then to respond by 14 days...and to send you a copy of their complaints procedure (which I think they probably will in any case )

Keep us posted.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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'll write to them and keep you guys informed. Cant i ask them to send a CCA to see if its unforceable etc??

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HI,

This is not a critiscism but there is not many on this site who endorse debt avoidance. Your debt won't go away if your agreement is duff, just that the bank can't enforce it via the courts. This doesn't stop them selling the debt on to a DCA(even though they shouldn't) who will hound you with phone calls and letters.

 

What an unenforceable agreement gives you is the opportunity to offer a full and final settlement with the bank but if you're in financial difficulties already, that would be hard for you.

 

If you do decide to go the CCA route, the letter is here:

 

The Consumer Forums - Debt collectors

 

Letter 8

 

I would still follow martins advice first.

 

fox


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Point taken silverfox, I dont want to damage my credit file either, and just want to settle the debt, just need some time till i find a new job.

 

Thanks for info

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