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    • I have just checked and unusually, Brent Council have a website that advises on whther their streets are adopted or not. Atlip Road is a private street on their site. Brent Council - Road adoption checker form WWW.BRENT.GOV.UK Form to check whether a road has been adopted  
    • Why international criminal networks are behind a jump in the theft of catalytic converters. View the full article
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............      
    • The president says he will only sign it if Democrats can pass a separate, far bigger budget bill. View the full article
    • Bolmsgr    if it was me I would put it first as if the contract is invalid and if the Judge agrees, then you win the case.    Indeed, it may be that VCS would not even turn up in at the Hearing or withdraw which would be the ideal situation. However this is your case and FTMDave has worked hard with you to help on your WS.   Whatever you decide to put it I have modified what I said in my previous post so that you can copy it.   Definition of "Relevant contract”  from PoFA 2  [1] means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—   (a)the owner or occupier of the land; or  (b) authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land.   According to https://www.legislation.gov.uk/ukpga/2006/46/section/44    a contract to be valid requires a director from each company to sign and then two independent witnesses must confirm those signatures. The fact that no witness signatures are present means the deed has not been validly executed. Therefore there can be no contract established between VCS and the motorist. And even if "no stopping" could form a contract [which it cannot], it is immaterial. There is no valid contract end of.   Surely VCS a company that signs innumerable contracts must be aware that no contract exists at the East Midlands Airport. Two points arise from that.   The first is that by issuing many PCNs at EMA with knowingly not having a valid contract is bordering on fraudulent.   Second, VCS in order  to gain access to DVLA data VCS have averred that they have complied in their CoP that they have complied with all the legal necessities, which appears patently untrue.   As Lord Neuberger said in the famous Parking Eye v Beavis  at the Supreme Court [2015] UKSC 67-"And, while the Code of Practice is not a contractual document, it is in practice binding on the operator since its existence and observance is a condition of his ability to obtain details of the registered keeper from the DVLA.   In assessing the fairness of a term, it cannot be right to ignore the regulatory framework which determines how and in what circumstances it may be enforced". The Noble Lord is correct and should call into question the right of VCS to obtain information from the DVLA.   You may have noticed that in the second paragraph of this post the words "relevant land" cropped up which would be a good follow on for bringing up the Bye Laws and streets covered by the Road Traffic Act in case the Judge did not accept the contract argument.  
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Hi all,

 

I think this is my first post since 2008, so its been a while, but im returning as this site helped me reclaim so many bank charges many years ago.

 

I am 11 months into my bankruptcy so will get automatic discharge next month

 

I made myself bankrupt, after losing my house, negative equity etc etc, so in total my unsecured debt was ........87K!!!

 

alot i know but that is neither here nor there. i wont bore everyone with the background lol

 

So i am now going through my credit file, and preparing in advance to write to all the companys to ensure that the default date is not after my date of bankruptcy and that the accounts are all marked as settled/part settled etc.

 

im not going to send the letters until my discharge but have some spare time on my hands so thought i would be super efficient!!

 

Most of my debts are pre 2008 so all the default dates are 2008/07 so i dont really have to worry about that element too much,

 

Cabot Financial are still reporting that i am in default, but the balance owing goes up every month as it appears they are adding interest?? this isnt right as the default was 2008, the bankruptcy 06/2011 so i thought tat they would not be able to add anything else to the balance from 2011

 

also First response finance have a ccj against me, from reading extensily i understand that the CCJ will never be marked as satisfied, it will just come off after the 6 years so in 3 years time. but as it is still a defaulted account as well as a ccj, can they remove default? or mark default as satified? as the default will come off in 2 years

 

northern rock removed there default, but i have the ccj from them for the charging order still

 

ge money have no balance owing for my mortgage just have it as satifactory now, i owed them 80K???

 

any advice would be appreciated

 

thanks

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Were all the above included in the B/R ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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so i will just write to them, and enclose my bankruptcy papers. showing they were included

 

my credit file----ruined i know, but was showing a positive tat i had had no recent lte payments, because of cabot, it states that its showing a recent increase in late payments and increased balance owing, should they amend this as by rights my debt liability ended date of bankruptcy???

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Have you had a word with your trustee & informed them of what Cabot are doing also mention the CCJ.

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i think they get fed up with me calling lol,

 

I had 4 sheets of debts when i applied for B/R and the office administror at the OR didnt photocopy all of them, so when they wrote out informing all about my BR, the missed off 10 creditors, because of this i had various people chasing me still, it was only in feb this year that they discovered what had happened after many phone calls, me photocopying my original petition and sending it on to the OR, etc, so then eventually they wrote our again.

 

I want to get all this sorted before my discharge, so i can move on with my life, and one day be in postition to buy a house. apart from teh BR, im actually extreemley good with money now - its like a side effect of this lol

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It is good that you are going to be able to start with a clean sheet, eventually.

 

But do speak to your BR advisor as suggested above :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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