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    • It's solved Laura.  It's in the paragraph I've highlighted here in the attachment from the IAS. Plus look at page 28 of the PDF of Bank's WS.  There is written - 157 IPS 29/04/2022 12:52 29/04/2022 14:52 YE60PZA 158 IPS 29/04/2022 12:51 29/04/2022 14:51 YE60PZA - there are the two payments. One is for the elderly woman's car. One is for your son's, but with the wrong registration. When I get a second this evening I'll add the exhibits to the WS and it will be finished. IAS adjudicator's report.pdf
    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
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Have copied from other forum as I think I shoud be here ???


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a few thing I wish to put before you I would like some immediate response if poss on the following

 

Am I in the right place to post re Cap Quest, and first credit/Mckenzie hall

Cabot/Fire for starters.

 

The most immediate is Cap Quest, letter stating Stat demand 18 days to respond or else, well got it a few days ago and did not open 22nd is 18 days up.

This letter is not from a court but from them Cap quest.

 

I am 67 and a few probs re loss of job late in life and illness etc.

I have been ill with a lot of worry and thought I was over it a while back when I posted here under another user name and a result could not hold things together to write and post.

I think I am better much better than I was.

 

So am I in the right place to give more detail and ask questions or do I need to be moved and if I am moved please tell me where.

Cap quest said the debt is re Cap 1 bank card 2000 and I have a letter among others where in 2007 they said if I did not pay this that and the other they would take legal action well in 2010 I guess this it.

 

More to follow if In the right place, many thanks in anticipation.

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You're more or less in the right place, however there is a parallel forum called 'Formal Solutions ...' which you should also look at.

 

The Statutory Demand is serious. As you note it is from the DCA directly and (as yet) hasn't been near a court. Once the 18 days are up then the DCA can petition for your bankruptcy - with all the consequences. But we'll put that to one side for the moment.

 

From your explanation the debt may be statute-barred. When did you last make a payment? When did you last acknowledge the debt?

If both of these are more than six years ago then the debt is statute-barred.

Is there any dispute that the debt is owed? Or that the amount claimed is correct?

There is a panel on the SD form which should contain contact details for the claimant. You should try ringing the number as if it isn't answered then the SD is invalid.

 

Perhaps you could describe the circumstances a little more fully.

 

In any case you need to apply to have the Statutory Demand set aside. You have to complete form 6.4. This should be available from your local County Court (I can't find it on the HMCS website). There are some notes here http://www.hmcourts-service.gov.uk/courtfinder/forms/LOC011_form.pdf which you should also read.

Your application needs to be lodged within 18 days of receipt. You now have only a couple of days to do this so hopefully you can get it sorted out very quickly.

There is no fee for submitting this form.

 

Do you know where to find your nearest County Court?

Edited by palomino

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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TBH: this sounds like a phishing trip.

std letter for cap quest.

 

trying to make the alleged debtor contact them on a debt that is most prob statute barred.

 

me, i'd ignore it.

 

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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HI and thanks palomino

 

I have made a 3 or 4 payments in 2007and this is when I am told in letter it was assiged to CAP quest from Cap 1 bank. amount owing is £1500

 

the contact is Barry Davies

 

all rights so I am told passed to Capquest on 27/4/07

 

it was/is a credit card debt

 

I have a letter from them re 2008 where they offer settlement on payment of £950

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if CQ are offering a settlement LOWER than what is actually outstanding i bet my bottom dollar they dont have any paperwork.

 

CCA them

 

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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Share on other sites

TBH: this sounds like a phishing trip.

std letter for cap quest.

 

trying to make the alleged debtor contact them on a debt that is most prob statute barred.

 

me, i'd ignore it.

 

dx

 

A Statutory Demand is the required precursor to a bankruptcy petition. Telling the OP to ignore it is grossly irresponsible.

I am well aware that the creditor probably won't proceed with a bankruptcy petition but this is not guaranteed.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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I would CCA them. I got a Statutiry Demand letter from Ruthbridge a few years back and heard nothing from them. I would also definately file the form for court as you do not want it going any further than needs be. (Plus i dont know the rules for courts for the UK)

 

CCA them today and make sure you send it next day recorded delivery.

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huntersinn : the deadline for having this Statutory Demand set aside is approaching rapidly. Hence we need to get moving.

 

Can you help with the answers to the following -

- when is the Statutory Demand dated?

- when exactly did you receive the Statutory Demand?

- how was delivered?

- have your tried ringing the contact? If that person answers then just hang up. If someone else answers then ask for the person named on the SD. If the person is not available or if no-one answers at all then that can make the SD invalid.

- is the amount claimed correct?

- do you know where you local County Court is?

 

The debt is not statute-barred so you obviously cannot use that as grounds for having the SD set aside.

There is now insufficient time left to request any documents that could be relevant , and in any case it appears from what you have described that procedure carried by Capital One and Capquest is correct.

 

Another poster has rightly pointed out that Capquest, by offering a settlement amount less than is now being claimed, have no real intention of proceding to a bankruptcy petition. However we still need to deal with the situation as it stands at the moment and try to get the SD set aside.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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it would be nice if we could see a scan of the letter whereby SD is mentioned.

 

i am wondering if this is all it is, just a mention of it, not actually that they have one.

 

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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I think the OP is getting good help here-they need to answer the questions posed.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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