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    • It definitely has to be 100% or they have pulled a fast one on you - even before the govt clarified on this I found advise to this end that it has to be pre-furlough pay.
    • I thought so, I managed to get hold of ACAS and have put in a claim.    thank you 
    • I assume your holidays run from March to April or something similar. As far as i know your holidays continue to accrue - covid or not, especially since you kept working they have no leg to stand on.
    • Thank you so much for the replies already!   Just to add to the original post , I no longer live at the address that they've send the letter to (have changed my address with DvLa) not sure if it makes a difference    For a windscreen ticket  1 The date of infringement? 11th February 2017   2 Have you yet appealed to the parking company yet? Yes. I dont have any evidence of it as it was from 3 years ago. I sent photos of the car park and my parking ticket . I still have the paid parking ticket    has there been a response? No.      have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] I can't recall this. But I believe I may have    When I received debt collectors letters , I then sent the offer to pay letters and the PDA   5 Who is the parking company? One parking solution    6. where exactly [Carpark name and town] did you park? Vantage point , brighton  08-13-2020-11.24.33.pdf offer to pay - pcn.pdf pda.pdf
    • ok, bit more info i should have stated. The claim was started within the 6 years stat limitation. the hearing was after 6 years had expired and so was the strike out. It is now 8 years past default notice, and i have not heard anything since strike out for 1.5 years. surely another claim for the same terminated account is timebarred, even if they change the amount to a lesser amount.   the issue is the oc bank has written to me stating i am due a refund of wrongly taken charges and interest FROM 2011 and have applied the refund to the os balance, which is with the purchaser company who was struck out. The oc say they have informed the purchaser of the revised balance, which means the claim against me by the purchaser was for the wrong balance. surely this does not mean thy could use this balance for a new claim 8 years later? this smells like a trick.
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      I was in Sainsbury’s today and did scan and shop.
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chattanooga

Natwest credit card CCA response

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Further to http://www.consumeractiongroup.co.uk/forum/debt-management-debt-self/266299-looking-some-advice-guidance.html

 

CCA from Natwest, account was opened in Sept 2007.

 

th_DSC02269.jpgth_DSC022781.jpgth_DSC02278.jpg

 

th_DSC02270.jpgth_DSC02271.jpgth_DSC02272.jpg

 

th_DSC02273.jpgth_DSC02274.jpgth_DSC02277.jpg

 

Any comments?

 

I think it's also important to say I am not trying to avoid paying this debt, I am (or my wife is) on a reduced payment plan and payment have become impossible due to a drop in income and rise in expenditure. I'm not sure my wife could cope with a court appearance but am thinking of making token payments until household income increases.

 

I'm also in Scotland, not sure if that makes any difference.

 

Thanks for looking.

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Anyone please advise, is this enforceable?

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