Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds


You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds



BankFodder BankFodder


BankFodder BankFodder

  • Tweets

  • Posts

    • Hi All, newbie here, hope I'm doing this correctly.   Two years ago the wife was using my car and bought a ticket in a train station car park and displayed it on the dashboard. She returned to find a parking charge notice from Excel. It was a very windy day and it had evidently been blown on the the floor of the car as she left. It did not have a self adhesive part to stick to the window. I subsequently followed their online claim procedure and sent a copy of the ticket but the claim was refused. A couple of days ago I received the County Court Business Centre claim form in the post after presuming it would go away after not hearing from them for about a year (the usual threatening letters from debt recovery companies etc).   I wish I had paid the original £20 as this has been a big worry and hassle, but I just ignored most of the letters after reading stuff online. Obviously I want to dispute the whole of the claim but do I have a decent defence? I would cite the fact that the only reason the ticket was not displayed was that it could not be stuck to the window.   Any help and advice would be greatly appreciated.   Name of the Claimant : Excel Parking Services   Claimants Solicitors: Unknown   Date of issue – 08 July 2020   Date for AOS - 27 July 2020?   Date to submit Defence - 10 August?       What is the claim for – Breach of contract - parked without clearly displaying a valid parking ticket in Brewery St car park, Chesterfield on 02.07. 2018. Defendant has failed to settle the outstanding liability and Claimant seeks recovery of of the parking charge notice, costs and interest       What is the value of the claim? £185.00
    • I have had a letter from RBOS saying they have assigned my debt of £3600 to Cabot however it must be at least 6 years since i did anything with this debt, the letter was sent to my old address.   i have had a look around on the site but cant see a FAQ to do with these issues ( probably me not looking the right area)  .   can anyone advise me on what the next steps are as i assume this debt may be statute barred ? but im loath to ring Cabot and go through any details with them and would rather do it via letter.   as back ground i have other debts with other banks and currently have CCJ obtained via backdoor so im obligated to pay that debt. also did a stepchange thing that showed i have no other available funds to pay these other debts off.   any help appreciated
    • Hi all   It's been a long time since I've used this site, I used to be a frequent poster, mainly in the parking subforums.    I'll try and keep this as concise as possible, although it may get a bit confusing, so apologies in advance.  Also I hope this is the right subforum for such a matter, but I couldn't see anything more specific for divorces/family law.  So here goes..   My now ex-wife and I divorced last year, after our relationship broke down due to irreconcilable differences.  She initiated the divorce proceedings so was the petitioner, I was the respondent.  We informally agreed early on that she would stay at the family home (I moved out), and buy me out of my share of the house and contents.   We went to family mediation and hashed out an agreed settlement figure that we were mostly happy with.  A lump sum for the house and contents, plus she would give me the money to pay off several loans for goods on hire purchase that remained in the house, as the debts were solely in my name at the time.    I did not contest the divorce on any point, except she wanted me to pay the court costs of the divorce (£850) since she blamed me for the breakdown of the marriage.  I objected to this on the financial paperwork, stating that I was not the petitioner, plus the cause of the breakdown of the marriage were not due to adultery or domestic abuse.    The financial court ruled against me, meaning the £850 would be deducted from the final settlement figure.  I was looking to appeal against this decision which would have delayed the proceedings by several months, however in the meantime I was able to make an agreement with her solicitors to split the court costs 50:50, so we would in fact be paying £425 each.  They sent this offer in a letter headed "Without Prejudice", stating that if I was agreeable, they would submit an amended financial order to the courts with the amounts amended so I would only be paying £425 instead of £850 towards the costs.  I responded to this in writing and signed the form they sent me, initialling where the amount was changed on the financial order.   This is where it gets a bit tricky.  They then resubmitted the ORIGINAL financial order to the family with the £850 deduction still on it and promptly stopped responding to my calls and emails.  My ex wife has now paid the settlement figure, with the £850 deducted rather than the agreed upon £425.  It's a bit of an odd situation as my ex paid me basically exactly what it says on the court form, even though I made a different agreement with her solicitors.  I feel they've been dishonest in this case, whether intentionally or not but it's still left me over £400 out of pocket.    My question basically is this?  Do I have any legal recourse options available to me against the solicitor?  Does the fact that they headed the offer letter "Without Prejudice" mean that they can basically go back against their word and not honour an agreement that was made in good faith?  I've been doing my own research into this subject and it's a bit of a minefield, but I'm wondering whether I've got grounds for a complaint to the Solicitors Regulatory Authority, or possibly even pursuing them via the Small Claims Court?   Any thoughts?  If you need any more information or need me to clarify any particular points, please let me know.   Thanks in advance CD
    • That IS the question HB.   My literal quote isn't surrounded by additional perspective I commonly add and was shown as is.       "64% of the UK’s trade with all the countries with which the UK is seeking continuity,"   * It seems a given that Johnson is not seeking continuity with the EU HB   * Undoubtedly the reality is they just mean 64% of continuity with the handful of African nations that the reference was in despite it implying something else   In which case, a more accurate statement than that presented by Johnson the Liars representatives would be:   We've managed 64% continuity with a small group containing a small handful of African nations which are a small part of Africa as a whole and an utterly tiny part of world trade   and presumably, as they have singled that out for special mention to give their chosen implied perspective ... - that 64% continuity (a little over half we have as part of the European Union) the best 'continuity' deal they've managed so far with any county or block.   It certainly isn't 64% continuity of even JUST the external to the EU beneficial trade we have as part of the European Union let alone replicate the benefits with the rest of the EU   and Don't forget thats just continuity - carrying on what we currently have - and not any new or additional/improved deals  
    • Can I just ask only because I do panic about stuff like this.  More because of the affect it has on my husband.   In 2014 when my husband was at his worst and NatWest got the charging order on our house (which was then repossessed) we had to stop using our NatWest bank account which we did.  When we signed up for credit reports in January we noticed our NatWest bank account was being reported on a monthly basis so we decided to close it.  My husband and I went into a branch and closed it.  We had 4 accounts, 1 for everyday banking and 2 savings and 1 was the loan.  She said she could close the 3 accounts but obviously not the loan.  She said she’d transfer the money from the 2 savings into the main bank account and give us the money then shut all 3.  We were gobsmacked when she gave us over £1000.  We never thought we had money in the accounts.  Can this be used against us?  The 3 accounts are now shut and marked as settled on our credit file.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies

Rossendales!!!! CTAX arrears help needed please...

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4004 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts


Dunno what to say..........


We have CT arrears which Rossendales have been asked by council to collect.


Whilst we don't deny this money is owed, we are unable to pay as they want us to 'cos I am disabled & out of work & oh has reduced hours on account of me needing care.

Because of this, we sent a proposal with an I & E sheet with proof of income etc & offered £20pm. Given that we only have £145 pm 'surplus' income and have to pay mortgage arrears of £100 pm as well, we offered what we felt was manageable.


Today we get a letter from them saying


''We have reviewed the financial correspondence you have supplied and set your account into an arrangement at the rate of £120.00 every 30 days. This is due to the prescence of non essential expenditure being shown on the statement you have supplied. Council tax is a priority debt and as such must take precedence over any and all non priority spending.

Please make sure that payments are maintained at the correct rate to prevent us from proceeding with further action''


£120!!!!!! Just where are we supposed to get that then?????


I am FURIOUS!!!!!!!!!!!


What can we do?

Share this post

Link to post
Share on other sites

get in touch with your council and your M P

Share this post

Link to post
Share on other sites


I have drafted the following email to send to MP & Council but wanted your opinions before I send it.



Dear MP

I am hoping you may be able to help us with Rossendales Bailiffs.

We fell behind with our council tax payments & XXXX District Council got a Liability order against us which was then sent to Rossendales to collect.

Rossendales bailiff came out to us but agreed that we had nothing of value to levy on a walking possession order and said that we should be able to agree a payment plan if we sent off an Income & Expenditure sheet. We did this and was then asked to send proof of income which was posted last week. We offered £20 pm as that is all we can afford - I have attached the spreadsheet we sent to them.

Today we receive a letter from Rossendales telling us that we have to pay £120pm due to the presence of non essential expenditure! Copy attached.

Clearly, if we had been able to pay £120 pm, we would not have fallen into arrears in the first place. We do not dispute that the CT needs to be paid but we simply do not have the means to pay it at £120pm.

We have other priority debts (mortgage) as well as non-priority debts which we are also dealing with by negotiating directly with them. The mortgage was in arrears by £xxxx & this is being reduced at £100pm with the arrears currently standing at £xxxx as at 12/07/09.

I feel that Rossendales have completely glossed over the fact that I am disabled & classed as vulnerable by virtue of my disability. I put my disability living allowance payments into the Income sheet but, for all other means-testing, this is disregarded. I feel that this shows that we are not attempting to evade our responsibilities.

Is there any help or advice you can offer us to help sort this out? I will await your response before contacting Rossendales again. I have copied this email to XXXX District Council so that they are aware of the actions of the bailiffs they have appointed.


Your comments / suggestions are welcomed. Thank you

Share this post

Link to post
Share on other sites

yes i would say its a good letter

Share this post

Link to post
Share on other sites

you will prob also be classed as vunerable so this should not be happening anyway.


have you not been in touch with the council about this?

i would expect you to be recieving CT relief too.



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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

Hi, 2 years ago Rossendaels came 2 my door. I stupidly let them in. we owed 4 council tax bills. I agreed 2 pay £30 a week as both my husband & I were working. this worked ok & we didn't hear from them. we both lost our jobs so couldn't afford 2 pay that amount. We started paying £40 a month. we are now on our last debt & I thought it had been paid off til yesterday when a Mr Greenwood came 2 the door. The debt was for £523 & he said we still owe £323. I have paid £445 off this debt so don't no y they say we owe this much. I have proof that this is the amount we have paid. My husband is on incapacity benefit as doctors said he is mentally unfit 2 work. This is just making him worse. We cannot afford to pay the £323 they say we owe - they want it by Tuesday.

Can anyone help us with this situation?

Share this post

Link to post
Share on other sites

Can't get CT benefit cos we get WTC & CTC so pushes us over the limit for CT benefit :(

Share this post

Link to post
Share on other sites

welcome to C A G benjie123 could you please start your own thread so that we can help you

Share this post

Link to post
Share on other sites

if you are having problems getting round the site to start new thread

click on this Bailiffs and Sheriff Officers this it will open a new page near the bottom the new page on the left you will see new thread click on it hope this helps

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...