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    • all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • Hi All. I was driving in Stevenage down a 40 road after coming off the motor way, i noticed my car felt a little "weird" i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intolerant on date night, we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i haven't received anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. Should i query the ticket as i don't want to miss any deadlines (if so who do i check with?) OR should i keep quiet. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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  • 2 weeks later...

Hi,

 

One of my lovelycollectors gace refused to answer a letter requesting information under the CCA act on 197, saying I should make the request directly to the client who they are working for.

 

Does the responsibility lie with them to answer the request or the client?

 

Many thanks in advance

 

M

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1st credit use LCS solicitors, Connought use Judge & Preistely solicitors.

But as mentioned before 1st credit and connoughts are in cahoots with each other.

If they have failed to supply anything in responce to your CCA request them send 1st Credit, the 'account in dispute' letter

Then do nothing until such time as they do comply or the initiate court action.

Do make a complaint to TS and OFT about these clowns, they are already under investigation

I have got a letter that I sent to JP's somewhere regarding the exact same curcumstances. I see if I can find it and post it up in a bit.

 

Is this for a Barclaycard debt?

Edited by alfwithhair
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edit this to suit

got shut of them for me

remember do not sign the letter, print name or use electronic signiture

Judge & Priestley Solicitors

Justin House

6 West Street

Bromley

Kent

BR1 1JN

ACCOUNT IN DISPUTE

Dear Sir/Madam

 

Your Ref: xxxxx

Your Client/s: 1st Credit Limited/Connaught Collections UK Ltd

I refer to your letter dated xxxxx, which was received today.

 

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); received by xxxx on xxxxx. I can only assume therefore that your client failed to inform you.

Should your client now persist with threats of legal action as stated in your letter, despite the matter being currently investigated by the OFT and Trading Standards, I will welcome the opportunity for a judge to look at several offences committed by 1st CREDIT LTD/Connaught Collections UK Ltd under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for the law on this occasion.

 

Yours faithfully,

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  • 3 weeks later...

Hello,

 

Please could anyone point me in the direction of a letter template I could use for a debt collector chasing a loan debt, similiar to the CCA letter sent for credit card debts.

 

Many thanks in advance,

 

M

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same thing!

 

give us more info

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, you certainly can. I would only not use it if the loan was secured but with unsecured loans it's fine. What year is the loan from?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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On the 24th December a debt collector sent me a Final Demand, which was their first letter to me. They gave me until 31st December to pay but the letter reached me by 2nd Class post on 5th January. Debt Collector did not take bank holidays in to consideration.

 

Immediately I sent the debt collector a letter requesting the CCA etc, but today I have received a letter from their solicitor informing me, that they will be taking out a CCJ.

 

Have not had a chance yet to check when my letter was received but does anyone have any advice what steps to take now.

 

Many thanks in advance,

 

M

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Did you send a formal request for the CCA i.e. quoting S77/78 of the CCA1974 & providing a £1.00 fee? And did you send it by Rec Del so you could check if they had received it?

 

If so, they have 12+2 days to send it to you after which time they are in default & are not supposed to take any further action until the CCA request has been fulfilled. This doesn't mean they won't. :(

 

However no-one can obtain a CCJ against you without applying to the court & you may, in due course, receive a POC. You must acknowledge service of this & can defend it but it has to be done within a set time scale. Of course, it's possible that the sols. are just threatening you but that & the final demand letter giving you insufficient time to pay will be one of the points to mention in your defence ;)

 

I suggest that you wait & see if an agreement is produced and/or a claim issued then post up in the appropriate forum for the debt you are defending eg. Barclays for Barclaycard etc. You will see the full listing here:

http://www.consumeractiongroup.co.uk/forum/#consumer-forums-center-bank

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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