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    • 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.
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mummy2girls

Sorry to keep asking for help but.....

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Following on from my post the other day about Ruthbridge, I rightly or wrongly applied to see my credit file from Experian, I didn't put my current address but used my previous address where I had been until 3 months or so ago, where my sister still lives. I didn't give them the phone number there.

Anyway I now have a letter arrived at my sisters from Red debt collection services who say they are a trading style of Lowell Financial. This is a debt that is from an O2 mobile phone contract. When I was with my ex husband I had 2 contracts from O2 on the same account one for each of us. When we seperated I cancelled his and told him to pay the balance. Clearly he never did and now it has come back on me. Its only for about £300 but I feel like I shouldn't have to pay this especially nearly 4 years on! He is currently travelling round Australia and I know he wouldn't give me the money for it anyway seeing as he won't even pay maintenance for his 3 yr old daughter! What can I do about this? They don't have my new address so should I tell my sister to send the letters back and hope I can avoid it for 2 years til its statute barred?

What with this and the Ruthbridge letter I feel like crying and giving in to them all! The worse thing is I'm 30 weeks pregnant and my partner is soooo against all kinds of debt. I'm hoping to sort this out before I tell him about it so at least I can go to him with a problem that I have solved not one he feels he has to deal with. All I want to do is sort them all out so that I don't have to worry, I will pay what I can afford but thats not going to be a lot as I've just left work for maternity leave and am not entitled to maternity pay. I completely accept that I have noone to blame but myself, I am a typical piscean and bury my head in the sand at the first sign of trouble but I really want to clear my name so I can move on without worrying about something else showing up.

 

Thank you in advance to anyone who got through that! This site is a godsend and I'll definately be donating!

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nothing to do with you

 

dx


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.

 

 

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Hi Mummy2girls,

Were both accounts in your name?......

If not and your ex husband took the contract out on the phone then he is the one liable for the account.

You are not liable for your husbands debt.

 

If the contact is in your name then I would get your sister to send the letters back marked 'not known at this address'

The 'CCA' does not cover mobile phone contracts but if they do end up locating you at your new address you could ask them to prove you had a contract with them by sending the prove it letter......found here.....

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

This will give you a little more time to hold off making any payments and allow you time with your very young family without the constant demands. If they are able to show that you had a contract (which they may well be able to do) then you could come to an arrangement to pay small monthly payments that you can comfortably afford. You would be best to send an I & E statement along with your offer. You don't have to send any proof of income or expenditure with it, just a statement of your I & E, they have no right to demand any proof of you I & E. If they ask for proof of bills etc. just refuse to give any and repeat your I & E along with offer. Think of this little saying if you make an offer, "You can't get the knickers off a bare arse"

 

Alternatively you could write to them now explaining the situation, enclose I. & E. and offer a small monthly payment. Obviously its entirely up to you, this is just my opinion, but I would do the above.

Try not to let this get you down, I'm sure your new partner will be understanding about this account considering it was debt run up by your ex.

I have children so I know that pregnancy can make you very emotional, try and focus on the happy occasion of the new arrival thats on its way. Don't let these issues consume you, your family are the most important thing right now.

If you read the forum you'll soon get that nice feeling that you are not alone.

I see you've been given good advice on your other thread. Use the forum members as your support group, you'll find plenty of us willing to help & support.

 

Take care Cheers Q.x.


For attractive lips, speak words of kindness. For lovely eyes, seek out the good in people. For a slim figure, share your food with the hungry. For poise, walk with the knowledge that you never walk alone. People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone. Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others. :)

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Hi hun,

I'd keep your head down on this one..I'm guessing it's in your name but your husband ran it up?

Tell your sister to keep sending the letters back marked NOT AT THIS ADDRESS.

The 6 years Statute is under review to change it to 3 years, so depending how long they take rhubarbing about it and implementing it you might have a shorter time than you think to wait :)

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:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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