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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I had a business account with NW and recently sent them a SAR (and £10 cheque) which they received on 16th August

now well in excess of their 40 day requirement I have also now sent them the letter before court action,

time period also expired without any contact.

Wherer do I go from here?

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had a secured loan off them for £15000, but due to illness had to close business, I however inherited some money last year and paid off outstanding loan £15750, yhey cannot give me details of interest or rebates as they combined this loan with an overdraft of £5000 which is still outstanding, they now say that The overdraft is also secured on property, but this was signed for about 6 months before the loan, and only personal guarantee given.

 

I am paying NW £50 per month off the overdraft but they are still charging me £1.04 per day interest and they say that if OD is not paid in full by Jan 2013 they will commence reposession proceedings.

 

The thing is I dont appear to have a copy of the loan agreement. I know its now settled but I have nothing stating interest rate, term etc,

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For a Ltd Company you would need to ask them for what you want (as a director of the company). They may charge a fee for supplying stuff.

 

For any data that is your personal stuff then that can be dealt with via SAR.

 

You can't SAR for the company stuff though.

 

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For a Ltd Company you would need to ask them for what you want (as a director of the company). They may charge a fee for supplying stuff.

 

For any data that is your personal stuff then that can be dealt with via SAR.

 

You can't SAR for the company stuff though.

 

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Just when you think things couldnt get any worse,,,, Letter received today from NW asking me to settle loan which was settled over 6 months ago, can anyone tell me what amount do you think they are after in their letter? s it the £11785 the £3465 or both?

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  • 2 weeks later...

yes signed a personal guarantee, which I accept and I am willing to pay but they are not helping.

Also had a business loan secured which is now settled but they combined the OD and Loan and they now say the OD IS secured on property

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had a secured loan off them for £15000, but due to illness had to close business, I however inherited some money last year and paid off outstanding loan £15750, yhey cannot give me details of interest or rebates as they combined this loan with an overdraft of £5000 which is still outstanding, they now say that The overdraft is also secured on property, but this was signed for about 6 months before the loan, and only personal guarantee given.

 

I am paying NW £50 per month off the overdraft but they are still charging me £1.04 per day interest and they say that if OD is not paid in full by Jan 2013 they will commence reposession proceedings.

 

The thing is I dont appear to have a copy of the loan agreement. I know its now settled but I have nothing stating interest rate, term etc,

 

What were the loan and overdraft terms and conditions?

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Natwest Chief Executive: Stephen Hester

 

Address:

PO Box 1000

Gogarburn

Edinburgh

EH12 1HQ

 

email:

[email protected]

Any advice I give is honest and in good faith.:)

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  • 1 month later...

I have still to receive copies of my Business loan agreement from NW. I am under the impression now that I have not actually signed a loan agreement, NW have sent me a blank, general loan agreement without signitures, AND will not respnd to requests for signed copies.

 

This loan has now been settled, what would it mean if no loan agreement was signed in the first place?

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  • 1 month later...

Hi anyone got any advice for this...

I have recenly settled off a Secured business loan, settle account off early, but I am unsure whether the loan was ever valid, I cant recall ever signing a loan agrrement, and despite trying for nearly a year now NatWest is either unable or unwilling to supply me with a signed copy, they have however sent me an unsigned copy.

 

What would happen if no agreement exists?

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  • 2 months later...

About a year ago I settled a business loan paying NW £15750 to settle this consisted of 3 separate payments

NW have been sending me arrears letters stating I owe them £3400 they say this is the balance outstanding

 

I have been trying for about a year now to sort, even sending letters to their CEO, in March I raised an official complaint, however I have received letters from them stating that they are looking into my complaint, but not a week goes by without receiving a letter from them advising that they will contact me by a certain date, however I have now had 5 dates?

 

Also it would appear they cant find my original signed credit agreement, they have only sent me an unsigned copy, think there is something fishy here.

Any comments please

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time to sar them me thinks

 

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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  • 3 weeks later...

Hi I had a business (Ltd) that collapsed in 2010, I had a business loan and overdraft.

I have now repaid the loan as it was secured, But I have recently contacted the bank for a copy of my

Overdraft agreement, but they say they cant find it, is this enforceable or just my wish full thinking?

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  • 2 weeks later...

Sorted now with, NW now

 

They have confirmed that the loan is now settled

 

they apologised but without explanation

 

also sent me £100 compensation and £42 to cover expenses.

 

However they still have not sent me a signed copy of my original agreement just their unsigned copy

 

ALSO they have stated that they cant find copy of my overdraft agreement, is this still enforceable without it?

 

Well almost there its only taken a year,,,,,,,

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