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    • Sorry not great with forum technology,  it says accepted file types jpg ongoing etc which I believe the file type was png or at least that's the details showing up on my phone, I'm even less good with conversion of the aforementioned so, I think we'll just leave that one then.   Also I think you mean because he supplied no cancellation information prior to the contract that automatically negates me having to pay / or be charged from the balance of the car any costs associated with the return, he also has to refund me the cost of delivery, however I am actually willing (maybe) to let that one go apon receipt of a refund.    This situation has already been the source of great stress
    • Don't just sign or agree to anything.   You need to be careful and not sign anything until you fully read a new TA making sure they're not  a "break clause" in it.   "A break clause is a term in the tenancy agreement that gives the landlord and/or tenant the right to end a fixed term tenancy before the expiry of the fixed term period"    
    • Is there a reason they took so long to send the PCN? The car was on hire or a change of address perhaps. As they have not claimed to be using POFA it is important that you do not reveal the identity of the driver. No POFA means they cannot pursue the keeper so just ignore everything from them and their unregulated debt collectors and ignorant second rate solicitors. [Sorry that was a slur on second rate solicitors].  Just ignore them all. To go to Court they need the name and address of the driver so if you ignore them there is no chance they will find out. While that does mean that you are not liable to pay them a penny they won't look at it like that and pretend that you do owe them-probably escalating the bill every time they write. This works in your favour as the most that they can ask is the amount on their signage but they always seem to want to overcharge which gets them a slap.  All you have to do is let us know if they stupidly decide to send you a Letter of Claim [it's probably more greed than stupidity but they do both of them so well it is hard to know which one it is.]. If you do get an LBC come back to us so we will give them a snotty reply which may be enough to see them off. In the meantime go on with your life safe in the knowledge that you owe them nothing and there is nothing they can do to change that.
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

Interim charging order and divorce!!

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My now ex wife has received a CCj(£12000) from her divorce solicitor and they have applied for a charging order on our former main residence which is rented out and has considerable equity.


Ex has many other debts and so do I


The full Charging order would give unfair priority and i could also argue that ex doesnt own much equity in the house due to monies she has already received, the divorce settlement is not over yet


I also have many unsecured debts that I am fighting and it would also give unfair priority to against my creditors(most are unenforcable CC) we both also owe HMRC a small fortune, whcih I pay from the rent


The divorce solicitors know the situation inside out and havent put any detail of other debts exs or mine on their claim form which is very naughty and I shall point this out to DJ


I now get on ok(ish) with ex and dont want to screw things up for her She couldnt cope with HCEO or bailiff visits if that were to be an option for the other side.


What are the options for EX's solicitors if (when) I get this set aside


I think I know how to fight this off but a bit of hand holding wont go amiss


The case is away from my local court and I thnk I would get a better hearing local as I have met up with several of the DJs on other matters (including divorce vs ex solicitors) and not lost yet


What are the best options for Ex ?


What is the best way to defend this?



Edited by upsndowns
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Not sure what you can do here. I think we need more information, but TBH, I dont know what .


Are you saying your ex wife's divorce solicitor has put a charge on your ex home ?


If all your creditors for both of you werent mentioned at the hearing, then I would say that is definitely wrong. I will try and find some help for you.

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Not sure what you can do here. I think we need more information, but TBH, I dont know what .


Are you saying your ex wife's divorce solicitor has put a charge on your ex home ?


If all your creditors for both of you werent mentioned at the hearing, then I would say that is definitely wrong. I will try and find some help for you.




That's how I read it.


What is the CCJ for?

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The CCJ was for ex's solicitors bills for the divorce proceedings which as yet are unresolved, the plot thickens now however, they got ex to sign a deed of assignment for all of the propertydue in the divorce settlementso that they could get their cut first from the divorce proceedings

I view that they already have an agreement in place and they havent finished the job off yet as the financials still are not sorted out in the divorce ( we had a reasonable property business and a lot of potential equity in our former main home whcih I now rent to cover the mortgage

If they get their hands on a charging order I think they will go for an order of sale in the not too distant future inorder to get their hands on the cash and wont give two hoots what the sale price will be


The interim order /application did not have any details at all about other creditor and they very clearly know the detail inside out This is my main point of defence.


I today found out that they tried to get ex to sign a second charge document that would have given them full control of a house with alot of equity(potential) this was in return for dropping the claim,(very nice of them) they would then ahve had full controlto start an order of sale proceeding in 12 months if theex didnt pay it all off


shysters comes to mind and this is a top local firm!!


I have been litigant in person beating off them and 3 other cases(under another name) with the help of this site including a unfair repossesion claim and a high court sheriff overcharge in the high court


I'm well up for the fight but need to get my bearings around what they can and cant do


upsn downs (not on my own after all)

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