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    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   …………..   yes I know thats 3 CCA requests sent but by golly will it make them squirm if they don't reply this time in your defence   
    • Hi,   We had a car at my sisters house on the driveway. It had no tax or MOT. We booked it into the MOT, and began driving to the pre-booked MOT. On the way, it was clear there was something wrong with the car above 40MPH, some knocking sounds and the engine went into limp mode. Half way through the journey, we diverted and drove to our garage instead, and then reported this to the MOT center.    We fixed the problems a week later (at our garage), booked the MOT again, literally drove up the road to make sure the problem was fixed, turned around, went back to the garage before heading back out for the MOT center less than an hour later where it had passed and then drove back to the garage.    We've since received a letter from the DVLA to say we have a £350 fine for having no tax on the vehicle. We don't know if this was from the initial attempt to go to the MOT, or if this was from a camera which happens to be near our garage on the second attempt. We've appealed, sending proof of the MOT's and have not heard anything for a week.    I just want to know if we actually did anything wrong? We didn't stop anywhere else or use the car for any other purpose.    Thanks!
    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
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I stupidly took out a payday load with Money shop but cant afford to pay it back now so I keep extending it.

 

I have paid more extending it now then the actual loan. So is there anything I can do here. I have rang my bank to cancel the cheques but they cant do so as its guaranteed.

 

I really do want to pay the money shop back but I cant do it in one lump sum.

 

Any advice please?

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Make sure that you lose your cheque book and ring your bank to say that it is stolen with your card as well.

 

Banks will not help you one bit unless you register it as stolen in which they have to by law ensure that no cheques are funded.

 

The money shop will try any trick in the book, make sure you never give them your card details ever again. You will need to set a standing order with their bank and pay it direct into them.

 

I paid a debt with their TP Solictors Bryan Carter and had the settlement letter and a week later they stole another £250 from my bank account. Really not very nice bunch to get involved with.

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Quite simply you write them a letter outlining your financial circumstances and make them a reasonable offer to pay the debt.

 

Tell them you won't be paying default charges as they are unlawful.

 

Make sure you make them a reasonable offer... the court will not make you pay more than that... and it would look bad on them should they decide to take you to court.

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Quite simply you write them a letter outlining your financial circumstances and make them a reasonable offer to pay the debt.

 

Tell them you won't be paying default charges as they are unlawful.

 

Make sure you make them a reasonable offer... the court will not make you pay more than that... and it would look bad on them should they decide to take you to court.

 

Is there a template for a letter?

 

I am useless in what to put. Never know the right wording.

 

Cheers

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Sorry mate but I have been dealing with 4 other court cases on here for people, my own court case, my wifes court case and a number of other issues. I have also been assisting my sister in law with a domestic violence case because she was beaten black and blue on Tuesday... I also have 3 kids and a mental illness to cope with...

 

But hey... you know... don't do any work for yourself.

 

I have attached a letter I drafted for you. Saved you about £200 solicitors fees I reckon...

Penalty Charges and s.129 Order to Pay.doc

  • Haha 1

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everthing cool good.

 

please this is a self help site.

 

So have go at a letter and we will advice however we do help a lot a people from br to court cases

 

1 how to do a letter

 

2 start with who you are

 

3 what is the problem

 

4 what you need to do/can do

 

5 end letter with outcome

 

6 say good bye


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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good letter vj


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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That is such a brilliant letter.

 

I am only here because I am looking at Money Box for another poster.

 

Thank you. I'm about to have a big row with British Gas about their charges. I've only looked quickly, but it looks good.

 

DD

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Thanks :-)

 

Nice to be appreciated... shame the OP can't pop by and offer his thanks too ;-)

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Sorry i actually forgot about this thread as for whatever reason I dont get the instant notifications through.

 

Thanks alot peeps

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Good letter, mind if I use it too?

 

By all means... that's what it is there for :D

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