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    • Hi   I could be wrong here so could @namedisplay please clarify if I am correct or completely wrong?   In your post#1 you mention that due to your health issues and your mental state at the time you rang the Training Room and was told it would cost and initial £200 and then £15 per month until you finished the course.   Then further in post#1 The Training Room told you you were not eligible for an extension because you hadn't completed enough of the course.   With the above I now refer Post#12 which mentions your circumstances are covered by 13 in the TTR Terms and Conditions.   What is mentioned above seems conflicting from TTR for the following:   1. IMO that money of £200 and then £15 per month (on top of original Course Fees) was them at that time agreeing to an extension as per 13 in TTR Terms and Conditions   2. Them stating you can't extend Course as not completed enough of Course is not in TTR Terms and Conditions (that I and others can see) (Note they could be referring to 15 in TTR Terms and Conditions)   Can you clarify the above and were you informed those extra costs were due to an extension of your Course.   Again I will ask did you provide the Training Room with Medical Evidence when you asked the above?   We also still need to see the Letter from Training Room Threatening Legal Action (fully redacted) which you still haven't posted?   You need to send The Training Room a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase means whatever format they hold that data in whether it be written, email, recorded phone calls etc.   They then have 30 Calendar Days to respond to your SAR Request and that Time Limit only starts once they have acknowledged your SAR Request. They can extend that Time Limit if they need to prove identity before actioning the SAR Request so be aware of that.   A SAR Request is now FREE and make sure you get Free Proof of Posting from the Post Office     Your right of access ICO.ORG.UK   Can you please make sure you answer the questions asked of Caggers to assist you    
    • I've been trying to resolve a issue with 8 PCN issued by Tyne Tunnel 2 (tt2.co.uk). Tyne Tunnel 2 is a gated toll charged tunnel to cross the River Tyne in Newcastle. We moved in recently so all a bit new to us. My dad had been using the tunnel about twice a week and he had been paying cash for the toll fee at the booths. At some point in November 2021 they had done some constructions where the gates had been closed and payments had transitioned to online methods. My dad had been oblivious to this and been on his merry way multiple times thinking that he doesn't need to pay. So he received the first PCN some where end of November which had been issue on the 26th after which point I went on alert and sorted out the online accounts and such. However the current total of fines has amounted to £255.20 and I have appealed explaining that soon as the letters were received we have resolved the issue but they insist on us paying 8 PCN. I feel it's unfair that the fine is for the same offence which we couldn't have rectified or known until we received the first PCN letter and after the first PCN we have rectified it so feel they are being bit draconic. Any advice on this matter? 
    • No need to apologise! I am extremely grateful for both your help   Gosh very good attention to detail going on here   Great thank you, i will put them back as below   Good evening to you   DEFENCE   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.     2.     Paragraph 1 is noted. It is accepted I have in the past had agreements with Lloyds TSB. I do not recall the precise details or agreement nor the claimant either, having failed to provide an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   3.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      4.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or Lloyds TSB pursuant to the Law of Property Act 1925.   5. Paragraph 3 is denied. I am unaware of any Notice of default served.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14.    Therefore the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence a Default Notice /Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 5th of January 2022 I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 5th of January 2022 I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of 27/01/22 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • std letter the court send simply telling you the claimant has 28 days to do 'something' else the claim get autostayed.   go read a goof few 10's of PCN claimform threads.    
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Think my wife and i need to go into DMP the trouble is which one do you go for none-fee paying ones or fee-paying ones heard bad points about both,we have got substantial debts,we have very good equity in the bungalow just over £100k but cannot get a re-mortgage because of the ages of both of us [66] to release the equity,any help would be most appreciated.

Regards

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Hi colin

 

Welcome to CAG

 

The guys will advise as soon as they are available.

 

Have a read of number 1,2, 3 and 6 and 7 in my signature.

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Definitely go for one of the free ones - that way all your money goes towards your debt repayments rather than a chunk going in commission - CCCS and Payplan are the most common free DMP's.

 

You say you think you need to go into a DMP. This implies you are not sure. How much debt have you got, how old are they, who are they to and what are they for? The more you can tell us, the more we can help. I'd keep quiet about the equity in your house if you're taking the DMP route as if creditors get a sniff of this they may prefer to look at a second charge against your house.

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Hi Tingy. Thanks for reply,i used the word "think" because i have been activally trying to re-mortgage but it looks a no- goer, as got into this position with 4 c.cs. and a persoal loan to a total of £32k and the even darker side of this problem my wife as tried to over-dose twice, so we doo need help,i have tried the CAB and thet are as much use as a bucket on the titanic.

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Would you consider managing your own DMP with the help of those on here who have done it? I can contact a few very good people who'd be able to help. I ask this as I think that by doing that we would be able to make creditors more considerate as we would ensure they are aware of your wife's mental illness - it is perhaps not unsurprisingly very common on this site. It's not a case of using her illness, but ensuring creditors act with due diligence when talking to you both in order that they don't exacerbate your wife's illness.

 

In my opinion this may be a good way for you to go, but I'd wait a little while and see what others have to say as well. Meanwhile have a think about what I've suggested. Doing it yourself is not that hard and you stay firmly in charge of exactly what is happening which has a lot of advantages. You would have an enormous amount of help. I've helped a few people recently do exactly this.

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Hi Tingy, Thanks for that we would be very interested in doing our own DMP with yours and others help,as at the moment we would not hava clue how to do it,another fly in the ointment which i forgot to mention was the mortgage we have at the moment is a interest only one with Acenden and expires in September 2016 and they wont length the term.

 

colin

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OK - here we go. I'd leave the thread run for a day or two to see who contributes - I suspect many of those who do would be the ones I would contact. Meanwhile if you go to the library (link at top of page) you will find an Income and Expenditure sheet. Not surprisingly you put your income and expenditure into the relevant columns (do not leave yourself with no money - make sure you do not underestimate how much it costs to live, cars need petrol, MOT's, tax, repairs, insurance etc.... You need clothes, haircuts, food etc... factor in everything. You can then put in your priority debts which have to be paid and then your non priority debts and the form will work out pro rata payments automatically. This is what you would then offer them.

 

Before you make any offers though (and there are template letter for you on here for everything) how old are these debts? Have you been paying them, if not how long has it been since you made any payments? Did you have any ppi or have any of them applied charges so far? A lot of this can be reclaimed too reduce the debt and it may be, if the debts are oldish and depending who they're with you may need to send for a copy of your Consumer credit Agreement (again there's a template letter).

 

First step for the moment is to fill in the Income Expenditure form putting everything on it no matter how big or small, and then we'll take it from there. As I said I'd leave the thread a couple of days as I don't want to appear to be dominating things, see who contributes and then I can, if necessary, rally some troops to come in and help.

 

You have no need to worry re the debts as I'm pretty sure we can do something about those and arrange affordable repayment plans. The mortgage is a separate issue entirely - I'm assuming you have no endowment policy in place to cover any of it? That is not my area of expertise, but I can find out if there are people here who can help you with this.

 

Most importantly and I should have said this ages ago - well done. You've taken the first step and that is by far the hardest one. You are already starting to resolve your situation.

 

Good luck with the IE form - if you need any help, post up here or if you click my user name you can send me a private message and you will get a quick response. I'll try to shut up for a day or two now and let others have their say and voice opinions on what I've said. Have fun with the IE sheet and please tell your wife to try not to worry. I've sufferred two major nervous breakdowns myself, lost my job as a headteacher due to it, lost my house, had suicide attempts, been in and out of mental health hospitals and have an awful lot more debt than you - but, and it's a bit but, I'm very happy as I know things are under control. I do understand what she is going through and I understand the extra pressure that puts on you.

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I totally echo everything Tingy has said to you on this thread and i have to say his ADVICE is sound and very helpful in every case, The only thing i would add is that it might be worth using the cccs just to guide you through everything and to get the ball in motion and give you the options, You will chat to a fully trained consultant for a good half an hour, for me that half hour was priceless as it took a weight of my shoulders, And then once erverything has been sorted maybe after say 3 months take the DMP into you hands then and control it for yourselfs, But whatver you choose you have made a major step coming onto this site and asking for help, I wish i found this site earlier!!!!

 

All the best

 

Baz

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I know Tingy i think these two threads we can really give some great advice and i am 100% sure that ColinD with be feeling 100 times better within a short space of time

 

Baz

Edited by baz1986
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Hi Colin

 

I echo colleagues’’ comments.

 

There are two sides to this problem. First do the I&E (and the common financial statement does not include equity in your house) and see what you can realistically afford in the medium term and offer that pro-rata. (of course check the enforceability of alleged debts, PPI and charges etc first).

 

Second, as Tingy says, if they get a whiff of the equity they will much more difficult to deal with and tactics may have to be adapted.

 

Love

 

vic

 

PS Just read the bit about the mortgage. There was a court decision recently re mortgage companies not penalizing folk in difficulty, but this will need separate and careful thought.

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