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    • Hi as this appears to be about a Parking Charge from a PPC,   I have moved your thread to the Private Land parking Forum, where you should get advice targeted to the situation   could you give some history about what the Invoice was for  and who the parking Contractor is  Did you appeal the charge, and it looks like you have had letters from the dreaded useless Gladstones demanding payment  Could you give the information asked for on this sticky and also post the  letter from gladstones to see if it is a Letter Before Claim/Action?    
    • it is also unlawful to change the ownership of a vehicle [or goods] to avoid enforcement action upon them. and this was done after you had already replied to the council regarding the outstanding ticket(s).   be careful upon pursuing a resolution arguing this point.   you could have quite easily changed ownership to gain a parking permit some months previously when getting the first windscreen ticket.              
    • I would start off by sending the bank an SAR. Which bank is it?
    • I agree with you DX100, but N/W don't want to play ball and send a copy of the agreement after 3 requests.  How will this stand if it goes to Court?
    • Sorry if this is in the wrong section as not sure where exactly its best suited.   So, we got the bank statement the other day & noticed 23 separate Xbox in game credit debits for Fortnite for £7.99 each over a 4 week period.  Now the daughter insists she didn't order anything.  And whilst most will say "of cause she would and just denying it etc" well, I'm not going to say I believe her even though I'm assuming using real cash to buy in game credit comes with a clear notification that your using real money (and stating the amount each time) to buy such in game credit.  And whilst I still need to check the Xbox security settings to see if as I think I did, I did set a security pin for purchases a few things are puzzling me on a legal footing and that mainly what I want to ask about.   As the bank statement indicates the card in question is an old card I had replaced and cancelled a while ago, about the time these transactions started.  When I ordered the new replacement I asked for the previous card to be cancelled.  2 weeks later I had to report the replacement card stolen\lost abroad and ordering another again asking for that card to be cancelled to prevent unauthorized use and money being taken from the bank account.   So, in the first instance I've already contacted the bank to enquire how and why they have allowed payments from an old debit card I had replaced and cancelled?.  They suggest that the card was never cancelled when the replacement was ordered and that the old card would remain valid until the expire date in a couple of years time!!!.  I asked them how on earth this can be the case as the replacement card has a completely different number and ordering the replacement should trigger (as per my request) cancellation and usage of said card.  The bank is suggesting otherwise as because the card was valid when setting up Xbox live that the card can always be used even if replaced regardless of reason it was replaced or if we cancelled the card.  They justified this action by saying the payments are continuous payments (similar to direct debit) and that's why they went through and referred me to Microsoft.   I pushed the issue and said they are not continuous payments but single individual 1 off payments that by nature (in game credit) and the number of payments (23 x £7.99) they could never claim them to have been continuous payments as a pre existing agreement for such payments for the game in question would have to exist and have existed when the card was valid which it doesn't.  And therefore these payments should not have been made because they are neither continuous payments and come from an old debit card that was replaced and cancelled.  The bank sort of agreed that these payments maybe are not continuous payments yet are now unsure where I stand.  So I have been referred to there disputes department.   Feeling I'm going to get the same run around on the rights over taking payments from an old replaced card that was supposed to be cancelled, I'm wanting to know what members think on a legal footing?.  As its like the bank saying I can use the same old & replaced debit card details to order items online because its still in date even if replaced & cancelled which I find highly unlikely!.
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All monies legal charge does it cover business loan?

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Recently issued proceedings for sale at undervalue of our property by bank. Using this fantastic site have noticed various comments about charges, interest etc.

 

Complex case, but logic is telling me something wrong with the fact that we had an all monies legal charge and a 25 years business loan.

 

Bank repossessed after 5 years of court battle as we did not recall signing the legal charge and have since discovered it was void. Two months after the repossession the Bank obtained equitable charge for full amount on another property. Bank later sold repossessed property at massive undervalue.

 

I understand that an all monies legal charge is just that, call in whenever they wanted, but how does this work with an agreed amount over an agreed time? The overdraft and the loan were lumped together in the money judgment.

 

The Bank caused a default on the business loan by taking both accounts to debt recovery. We then negotiated and a new joint account was opened in my and my husband's name( previous in his sole name) Payments to reduce borrowing were taken from there. Does this create an overriding interest?

 

Help please as I want to be prepared.

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Was this 25yr 'business loan' financing the mortgage on your residential property?


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http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

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http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

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Now that's an interesting question! The loan was marked under "purpose of loan" "to purchase farm". The farm had a house on it.

 

The farm had been purchased on an overdraft/bridging loan with agreement from the bank to transfer to a loan.

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Okay, let me up the anti then...

 

Farms have residential dwellings, out buildings, barns, grazing land. What was the % of residential to barns to 'grass'? in rough meterage %'s


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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Lot of land percentage wise 105 acres to farmhouse. Value probably 50/50.

 

Borrowed 60K reduced to 23K five months later. Then 23K transferred to a business account in January 1983. Did not have a business loan but terms agreed in writing in a letter £350 per month.

 

In 1984 wanted to improve farm, new building. Bank agreed to lend 30K to pay off exisiting loan with balance for improvements. This is when we had the first business loan agreement over 25 years. "Purpose of loan", to "purchase farm".

 

We continued tp repay this loan for 13 years making little headway. The bank took the loan to debt recovery together with the overdraft .

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How was the loan described - a Regulated Mortgage Contract? Unregulated Agreement? Business loan - who regulated this loan/any of the laons if at all?


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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Described as a business loan. Banks didn't do mortgages in those days.

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