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    • Hi, thanks for your replies, I wrote to them & this is the reply:   Thank you for your correspondence received on 16 October 2019, concerning the above Penalty Charge Notice. Contravention I have viewed your mitigation and the evidence of the Civil Enforcement Officer on the day in question. The issue is that you parked without clearly displaying a valid pay & display ticket or voucher. Mitigation Whilst you state that you ‘tried to buy a ticket using my card but both machines would not accept a card payment’, there is also the option to pay by phone using the RingGo app if you do not have any cash with you. A grace period of minutes is given to allow drivers time to purchase a ticket, the Officer on patrol observed your vehicle from 12:52 – 12:57 before correctly issuing a Penalty Charge Notice. Conclusion It remains the responsibility of the driver to ensure that there is a parking session in place before leaving their vehicle parked. With this in mind I have upheld the Penalty Charge Notice and rejected your challenge. I will still accept the discounted amount of £25.00, provided payment is received within 14 days of the date of this letter. Payment can be made by post to the address
    • Hello all, hope you are all. Its been rather quiet on the a western front until today. I've received Directions of Questionnaire form N180 in the post. I've still had no copy of cca or cpa that I requested back on 20th August.    Please can you advise me how to proceed now   Thanks in advance Michelle
    • Hi - Quick update. I've spoken to the Holiday Inn Express and they told me to write to them explaining what happened and they'll get the charge cancelled, even though it's a DR+ letter, they confirmed they will talk to PE. It'll take about 4 weeks to cancel. I've sent that off. Have I done enough (for now)? I won't assume this has worked until I get a formal confirmation back.   The other suggestion you had was to write a short 2-liner to PE to ensure they have my correct address as they have failed to get any correspondence to me to date. Should I still do that in parallel? Belt and braces.   Finally - I'm still sitting on my snot-letter to PE re GDPR request. Again - sit on that still for now? If nothing else it gives them work to do that they can't ignore and proves they have my correct address details (or not)   As you might be able to tell, I'm a fan of several lines of attack, but I'll be guided by experience....   Many thanks Choco 
    • yes I moved out in 2014. This is the first I've heard of any outstanding bill! The letter is a 'Payment due' letter, not an official court or claim form at this stage. I have actually had another old energy bill from Lowell (this is what happens when you move house a lot) which came from their solicitors devision with an official country court claim. That bill was from 2014/15. Theres no way of me checking what payments were made or if the amounts are even correct. 
    • kk, thank you    From what I have read, a reconstituted agreement only needs to have the correct name and address.. : /   Is this any use at all, or is it outdated please? I keep finding mixed answers:   Section 61(1)(a) and 127(3)  Consumer Credit Act 1974 that dictates that a creditor must be able to produce a signed document, not necessarily the credit agreement that contains the prescribed terms. This document must include the credit limit, the interest rate and details of how and when a debtor is to discharge his payment options. That failure to produce such a document is capable of rendering the agreement irredeemably unenforceable.     
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***** Getting started with your debts: A MUST READ ***** (updated December 2015)

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Welcome!

 

If you have unmanageable debts and are unsure where to start here are some options that we hope you find useful. The areas below in blue text are actually links; click on them for further help and assistance. If you would like further help why not create your own thread? There is lots of help on hand!

 

- Our 'Debt Diaries - 10 Steps Blog' -

 

Below you can find links to our dealing with debts blog. In ten steps you'll be able to look forward to a debt-free future:

 

 

- My Money Steps -

My Money Steps is a free and easy to use online debt advice and money management service from debt advice charity National Debtline. It will provide you with personalised, positive steps to help you get back in control of your finances. The great thing about My Money Steps is that you can instantly be provided with tailored advice based upon your circumstances. You can download your budget and use it when negotiating with your creditors.

 

 

 

- CASHflow -

If you are experiencing difficulty in repaying your debts, CASHflow is a way for you to negotiate affordable repayments with your creditors. Before you can use CASHflow, you must have spoken to one of the free advice agencies licensed to offer CASHflow to their clients. The advice agency will start by talking to you about all of the options available, and can help you to decide if CASHflow is the right one for you.

 

If you decide to use CASHflow, you will be provided with all of the tools you need to be able to complete your own financial statement and negotiate offers of repayment with creditors yourself. This will enable you to stay in control of your situation, but still have support from an adviser at any stage if you need it.

 

 

Free advice is also available from the following charities:

 

 

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hey the wonderful blog is back...

 

excellent!!

 

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It's been a while. We've added a few alternative options for folks to take a look at too. it's all useful!

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2783 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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