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    • whitelist - the same with mine....the battery had a mind of its own. i bought it for my Son...he'd shut it down and it would be completely off but the power light would either stay on or flash...also it wouldnt start properly, had cmos errors on boot and other stuff.   i bought it through HP store on ebay ..brand new. after 6 days of receipt i recieced an email from HP asking if i was happy...i returned an email saying no and that i want to send it back as it was faulty (basically the email served as a reminder for me to leave them good feedback lol...not as a geniune enquiry to actually make sure i was happy with as they didnt reolve the issue when i was not) after trying to sort it for a couple of months with HP not replying, not offering a solution etc i finally got passed tech support who confirmed it was faulty. i then had to return it to their factory. this is where its gets beyond worse...waited 3 times for parcelforce to collect - they didnt. in the end HP sent me a label which i had to take to the post office - not good as im disabled with a mobility disability. then they asked for my bank account number to issue the refund. they hardly ever replied to my emails and it took over a month and a half to refund me once they had received the laptop back. no explanation, no progress emails, no updates. i kept emailing them on a daily basis as no one would reply to my emails through the website, forum, internal email addresses and even phoned 3 different departments who basically had no idea what to do or what was going on and did not help...they couldnt even tell me when the refund would be issued, let alone why it hadnt been done already. on the forums theres other customers who've had to wait 6 weeks , 2 months , over 2 months etc...it seems as though HP like to with hold peoples money to earn interest on the money in their account. i spents days phoning and emailing them - even sent a recorded letter. at the begining i phoned citizens advice and they said i am entitled to put back into the same financial position as before i lost the out of pocket expenses ie: compensation for my time and recorded letter sent etc. ive started a martin lewis 'resolver' case with them and basically in a snotty reply they told me im not entitled to compensation which is contradictory to what citizens advice told me. i was just wondering if theres any .gov website or law/legislation that i could reply with and say "no your wrong - please compensate me"
    • LBC is here. Complete with a note showing a phantom payment. What to do next?
    • I suppose it doesn't make a massive amount of difference as Kev has never had the guts to do court - well at least not yet - but to me the number of cards played still needs to be reduced.  Given the OP has already referred to the "very busy and overflowing car park" in the appeal I'd refer to that and tell Kev to go and look up case no.3JD08399.
    • thanks ftmdave again for the help with letter. thanks lookinforinfo for the info, im glad i found this forum as its a great comfort and relief to know ive dont the right thing as i wasnt too sure at first. and good to know what excel are really like.   thanks guys.
    • Hello!  First timer on here, discovered this amazing site and threads on debt issues only yesterday. After never having a bad debt in my life, almost 2.5 years ago I was scammed by my now-ex partner who calculatingly manipulated me into taking out a bounceback loan, 2 personal loans and a credit card.  He took all the money via ruthless deception, every penny, as well as the car (bought with unsecured personal loan) and all my furniture, personal belongings and even most of my clothes as well.  I'd packed up my life to move to another part of the country with him, only to discover he'd scammed me and been clever about it, so he directed the removal truck to a location unknown to me (never saw my stuff again!), and car is registered into someone else's name.  All this happened abroad.  I have won a criminal case against him abroad and he has been given a custodial sentence (which he is appealing while on bail), but it is difficult to get financial reparation so I am left with over £40k of debt to my name in the UK.    I am in my mid-50s, and have no assets whatsoever, I still live abroad (renting) and cannot afford to return to live in the UK due to the debts and decreasing income. It's been devastating and I've been struggling enormously since it happened (Jan 2022).  I have been suicidal at times. I was making combined loan/cc payments of £1300 monthly for over two years, but I'm self-employed (sole trader) and my UK-based small business has suffered 70% loss of income since Oct 2023 due to changes affecting government funding for the market I provide services to.  My income is commission-based, and has reduced to an average of £1200 per month. As I currently live abroad (outside EEU), I am not resident in the UK for tax purposes and haven't been for more than 3 years (my work is done remotely outside the UK, even though my clients are in the UK and payment is received into my UK bank account).  That means I am not entitled to an IVA or bankruptcy options.  My only option in terms of a debt repayment solution is a DMP. I maintain a UK correspondence address (my mother's home) and use this for my bank account, loans, credit cards etc.  I have only informed HSBC (bank acc) and one loan company that I moved abroad and that the UK address is only a correspondence address (been scared of potential consequences of informing them, even though I don't know what they could be or if there would be any). My worst fear is being taken to court, bankruptcy, etc, and my bank account and income being controlled and all surplus income above basic needs being taken etc, when I literally have almost nothing in life at this stage and desperately want to try to rebuild my life somehow and have some normality again.  Perhaps even move back to the UK if I can afford to. I've contacted all my creditors except cc (it's an HSBC card so am concerned it would affect my bank account with them.  I also bank abroad with HSBC and have global-linked accounts with them).  All interest has been stopped on my loans since April (period of 4 months on two loans, 6 months on bounceback loan with Pay As You Grow option agreed).  Continued so far to pay at least minimum payment on HSBC credit card.  I spoke to PayPlan yesterday and they've worked out a DMP paying £289.50 per month for 11 yrs 7 months, with annual reviews - not signed up to it yet, and concerned about customer reviews I've read about them demanding double payments a year or so down the line and not making payments to the creditors for long periods, etc.  Frightens the life out of me trusting them with the limited money I have - I don't want to go out of the frying pan into the fire in terms of stress that could last years, going by some of the horror story reviews. Considering the DIY DMP option, dealing directly with my creditors myself.  But not even sure going down the DMP route is the best option.  What do I gain from doing that? Sounds like I will still end up with an arrears or even a default record on my credit file even with a DMP, and I will be paying money I really need to help me get my life back on track, especially as I don't even have a full state pension entitlement - would be better used to pay missing years into that, surely, if I do have some surplus?  Either way, with or without a DMP, I won't be able to borrow so how would a bad credit score affect me anyway?  Seems like it could be best to allow them to go to default in the hope that it can all be SB-ed after 6 years. At this early stage, I know I will benefit from advice here about what route to go down and pros & cons/risks etc of: a) DMP with PayPlan b) DIY DMP c) Going down the default route in hope of debts being sold to DCA and not paying anything further with result that it is all SB-ed after 6 years. Struggling to pay off the loans for the next 11 years @ £289.50 seems daunting and such a long time, when I really need every penny to restart my life, regain some dignity, restore my mental health etc... I hope someone here help me make the right decision at this point, before I've committed to anything or have paid lots of money for years with little dent into the loans.... Details : HSBC Bounceback Loan (unsecured):  taken Dec 2021, original amount £9000, 2.5%.  Currently owe £4950.  Monthly payment:  £159.  Not missed any payments, but agreed PAYG option in April - full holiday for 6 mths, restart payments at £73.00 in October, term extended to 2030. TSB personal Loan (unsecured) - taken Aug 2021, original amount £23,000, 9.2%.  Monthly payment £475.  Currently owe £14,550.  Missed 2 payments. Interest stopped since April, no payments offered or made.  Situation to be reviewed prior to default - which will be after 4 missed payments). Sainsburys personal Loan (unsecured) - taken Jan 2022, original amount £25,000, 8.6%.  Monthly payment £514.  Currently owe £14000.  Missed 2 payments.  Interest stopped since April, made 1 payment of £50.00 on 7 May (offered to pay £50/month until situation reviewed prior to default - which will be after 4 missed payments). HSBC credit card APR 18.9% - £6900 currently owing, continuing to pay at least minimum payment (£180/month), not contacted them so far. Applied for Starling bank account, as advised by PayPlan to have a separate a/c from my HSBC one as they would have the right to take money from my account to pay off my HSBC cc debt if I stopped paying that. Sorry this is so long and a big thank you for reading down to the end!  I hope the detail helps with advising me on best course of action and possible/likely consequences.      
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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PCN: Recieved in July - Wrong info in ticket


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Hi & thanks

 

Just thought I'd put up 2 of the letter I have written regarding this.

 

I'm going to draft another letter, requesting the TRO again, but use freedom of information wording in the hope that this is now forthcoming.

 

But just thought mayb someone might like to review?

 

Thanks so much for getting the PCN to show.

Jess

pcn watford road for website.doc

pcn watford road2_forwebsite.doc

Edited by jess-star
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I'm going to draft another letter, requesting the TRO again, but use freedom of information wording in the hope that this is now forthcoming.

 

 

A FOI request is not required for a publicly available document, and may in fact, cause more of a delay to getting to see it than helping. Call in person at the council offices and request to view it. If it is not held there then they should be able to tell you where it is held.

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In any further appeal include the following paragraphs.

“The PCN fails to comply with regulation 3(2)(b) contained within Statutory Instrument 2007/3482 and it is therefore my belief that the PCN is not lawful.

Although the PCN does say that representations will be considered, it fails to make the recipient aware of the period of time they are lawfully entitled to in which to make such representations. The lawful period is given by regulation 3(2)(b) and it is given as any time before the NtO is served and as such a PCN must convey this fact to the recipient.

Such failure could prejudice the recipient in that they may only believe they have 28 or 14 days to submit an informal representation when the truth is that they have as long as it takes for the authority to serve the NtO.

Considering this fact I expect you to cancel this penalty charge forthwith. If you do not cancel then I will require you to explain fully why you think the PCN does comply with regulation 3(2)(b).”

http://www.statutelaw.gov.uk/content.aspx?LegType=All+Legislation&Year=2007&number=3482&searchEnacted=0&extentMatchOnly=0&confersPower=0&blanketAmendment=0&sortAlpha=0&TYPE=QS&PageNumber=1&NavFrom=0&parentActiveTextDocId=3440544&ActiveTextDocId=3440560&filesize=8355

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hi there, your best route to sort this out is via the the traffic penalty tribuneral, now on the basis of colour alone i think it is possible they would uphold the PCN, however looking at the lines in the picture they and the situation that put you on the lines in the first place, they may well look at this sympathetically.

their address is Traffic Penalty Tribunal however this should be sent to you when the sent the NtO.

hope that helps

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  • 2 weeks later...

Hi There,

 

I've sent another letter by recorded delivery asking again about the traffic regulation order as it seems a little odd, that everywhere in the near vicinity the line were brand spanking new, it seems odd that these hadnt been done & still haven't. Again it makes me wonder?

 

Anyway I've sent them photos of the lines with this and hope for a better response.

 

I've left out Thedogsbollocks info for the time being as thought best to try this course before another.

 

Still no NtO as yet, nor comminication other than the call I made over worry.

 

 

Seems odd that I have to keep in commincation otherwise the process escalates, but it is ok for them not to communicate for 6mths? Isn't the legal system supposed to provide somsort of balance in this resepct?

 

I dont seem to be getting notifications properly so will check back instead soon.

 

RE The location being a london street, I cant see that on there?

 

Thanks again

Jess

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in some cases in can take months to get a response from the issuing authority, if they have received your last letter, then this should be put on their system until they can respond to it. the reason for no NtO could be is they may have put your case on hold until they have investigated it properly or even till they can get round to deal with it.

 

remember that once you receive the NtO you can appeal to the Traffic Penalty Tribunal

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remember that once you receive the NtO you can appeal to the Traffic Penalty Tribunal

 

Don't you have to appeal to the LA and get a Notice of Rejection first?

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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I called as was concerned about the NtO, the operator didnt know anything about it, so I asked her to see what she could find out. She came back sounded very unsure "technical problem"....

 

St Albans council were one of the major issuers of incorrectly worded PCN's that was highlighted nationwide recently. so I'm wondering if their NtO may have the same "technical issue"

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That adjudication is out on the net. Neil Herron: Christmas comes early in St. Alban's ... as you can see the NTO was flawed, maybe they still haven't fixed them. FOI them about suspending NTOs.

 

Lamma thanks, u always seem to be on the ball!

 

I sent the letter, and this morning received a reply - it's been cancelled however the letter doesnt make much sense.

 

I also asked about reg 3(2)(b) why they thought the PCN did comply, but answered differently. transcript below (due to problems I had with attachments).

 

Why do they not answer the points made? I was always trained to answer letters point by point. There is always mention of an investigation, neveer what it entaile or why the conclusion has been reached? How are they allowed to get away with this?

 

Oh an funnily enough, I've just opened y'days mail and there's the NtO???

 

----------------------------------------------------

Thank you for your enquiry received on the 13th January 2010 regarding the above penalty charge. The Notice was servered as the vehicle was parked in a restricted street during presecribed hours.

 

I note your comments and should advise that after investigation of your case, whilst I am satisfied that the Notice was served correctly, the Notice to Owner was sent to you just outside the time limit permitted.

 

On the basis of this information, I have decided to cancel the above PCN and would confirm this case is now closed.

 

For your information, regulation 3(2)(b) does not make any reference to any timescales as referred to in your enquiry.

 

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