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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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unregulated car loan


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Until the recession I was fairly succesful and took out a car HP for over £35000 therfore unregulated with Black horse

I got behind with payments and eventually the car was repossesed with me giving them the keys log book etc with out falling out about it

 

They are now chasing me for a balance of £1100 after the car was sold I have asked for a statement from them months ago but they havent sent it to me but they are now getting more threatening

 

What is the normal legal position with balances with this type of loan and what options do the DCA have for enforcment??

 

Barner rubble

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Over 26k

 

What Do You Have

An Aston Martin

 

LOL no not any more it was repossesed

BTW it was a BMW 6 series convertable a beautiful flying machine and an extravagance that I though I could afford but proved I couldnt

Now every man and his bank are chasing me and I had a very successful business with amazing credit ratings and profitability but the banks pulled the plug on 4 properties I built before I could sell them myself.

any guidance will be apreciated

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hope I have posted this agreement up properly

 

http://i637.photobucket.com/albums/uu97/onlymeagain2009/agreement1.jpg

 

http://i637.photobucket.com/albums/uu97/onlymeagain2009/agreement2.jpg

 

I did notice that the copy of the agreement they sent to me was not signed dont know how good they are at getting signed docs back from the original vendor of the car

 

 

Barney Rubble

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  • 2 weeks later...
  • 3 months later...

Now got a hearing date with BH ordered to provide the original agreement the only copy they gave me following cpr request was a copy of the faxed copy from the dealer

they are also ordered to provide the default notice and underwriting sheet and details of any commisions paid to the dealer

 

MMMM

if they dont have the original can i fight it off also does any one know about the default regs on unregulated loans

Barney

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had the same problem and had to sell the car private and pay the 4k shortfall, I was told on the site this was the only way out of it, they will just sue you for the shortfall as finance companies are not in business in selling cars , especially unregulated agreements ,and mine was december 2006 agreement

 

Hope you find a way out and sorry to here about business

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