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    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received an Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.   Documents.pdf
    • Will the real criminals please stand   Biden 🤣GUILTY on all counts    Come September remember Americans don’t like tax dodgers 🤣
    • You of course ignore the fact that Farage actually helped raise £100,000 so that WW11 Veterans could actually attend the celebrations    Meanwhile oh to be in France 🤣  
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mum took out a loan with Royds - Can we get the ring back???


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Years ago, when my mum took out a loan with Royds... they took her engagement ring as security and put it in the branch safe.

 

Years have passed and they still have it. One debt to them is being paid via Wescot, the other is yet to be CCA-ed...

 

If we ask for the ring back, are we asking for trouble? Should we just leave it there?

 

Any help appreciated...

 

Thanks

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Strange but if the ring was used for security and the loan hasn't been repaid then surely they have the right to keep it.

What is the value of the ring because this should be deducted from the balance owing surely, yes and who are Royds?

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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If they are a pawnbroker, then the ring is theirs until redeemed, if they sold the debt on then the ring value should have been used against the outstanding balance. but then again a pawnbroker would only loan the valsue of the ring so there should be no debt to sell on

 

so who are Royds

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Lloyds TSB = Hemorrhoids = Royds - sorry!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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No, no receipt for the ring... if there is one it was lost long ago in the sands of time - my dad was alive when this was done and he passed fifteen years ago...

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Guest HeftyHippo

This wasn't security surely, as they can't do that. You left it with them for safekeeping didn't you, and they waived their fee or else never bother invoicing you?

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According to my Mum, it was left there as security... that is how she remembers it, and that is what I recall being told at the time...

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Guest HeftyHippo
According to my Mum, it was left there as security... that is how she remembers it, and that is what I recall being told at the time...

 

Left for security, or left AS security?

The bank is not a pawnbroker and should not take physical items as security. Perhaps your memory is dulled and it was left for safe keeping.

 

There are specific parts of the CCA that apply to pawnbrokers and issuing of receipts etc. I believe they are also regulated separately.

 

If it was left AS security in some strange way, that is a shame because the ring's value would be offset against the loan, and on default, the ring would be their's, whilst if it was left for safekeeping, ie FOR security of the ring, it would remain the owner's (your mother, father, their descendant's etc) and if it could not be found, the owner would have a claim for its value because of the bank's negligence.

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I think I am just going to take mum to the bank and try our luck... thanks

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Thanks... will do that x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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