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    • What should you do? Totally ignore them. Next time you are there take photographs of Athena's notice at the entrance to the car park plus the position of the others as well as any difference between the T&Cs of their signs. Also a picture of their payment meter as the T&Cs there are often different from the signs. Check with the local council to see if Athena have permission to erect signs and ANPR cameras under the Town & Country [Advertisements] Regulations -they are often online these days. Also ignore any future correspondence from them and their unregulated debt collectors and do not be afraid of ever escalating fees most of which have no basis in Law. The time to come back to us is if they send you a letter of claim where a snotty letter to them may discourage them.Also read other threads on here to get an idea of the numties you are dealing with. One amoeba has more intelligence than all the car parking rogues together. It is still worthwhile contacting Lidl even without your receipt and especially where you have a record of regular visits to them.
    • First, I'm a bit surprised that your local police force has the manpower and time to waste chasing up a complaint from a member of the public that a motability car's paperwork may not be in order, bearing in mind that most forces can't be bothered to follow up reported burglaries, if stories in the popular press are to be believed.  But if that's what the police officer has told you, that's what he's told you.   If you want to follow up his suggestion to make a complaint, check your local force's website for how to do so.  Or (bearing in mind the history of problems that you've had before) write straight to the Chief Constable (website again).   Simply say you want to make a complaint about the number of times your daughter (or whoever) has been stopped by the police for no apparent reason.  Give a list of when and where this has happened and what the outcome was (presumably that the police took no further action).  I would also add that in the latest incident the police officer actually suggested making a complaint about the number of stops.  Not only do you (or your daughter or son or whoever it is) find this police action to be extremely distressing, but you also consider it a waste of scarce police resources.   Ask for an explanation as to why this keeps happening and ask for an assurance that the police will stop doing it.   You may also want to add (see what others advise about this) that the police officer in the latest incident also told you that they had received a call from someone saying that the car's paper work "might not be in order".  Say that you are concerned that whoever made this false allegation is wasting police time.  (You may want to think carefully about this as it may not improve your daughter's relationship with her neighbour!  If the allegation came from the neighbour.)   Those are my initial thoughts but it's a bit late to be thinking clearly.  See what others suggest rather than just relying on my suggestions.   [The letter really needs to come from your daughter (or whichever family member keeps being stopped) and not you, unless you can make it perfectly clear in the letter who it is that is being stopped etc. and that you are complaining on their behalf.  Is that clear?]
    • yes I missed out an important word there didn't I 'properly' ..
    • And dx what success have you personally had when dealing with cases for people in the county court.... when pointing out the above   I have asked you several times for your direct court room experience. Yet it hasnt been forthcoming    Please prove your statement that vcs lose most defended cases ? Again what you state doesnt stand up for the reality of the court circuit
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Jaffaboy

Natwest business account overdraft - help needed badly please!!.

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currently have a natwest business account that is currently roughly ( not had statement for quite some time)15000 overdrawn.

 

Since dec 2011 I have been paying 1 pound token payments to my other unsecured creditors and they have all stopped interest.

 

I have wrote a few times to natwest offering the same terms few times over past 12 months ,and this has been rejected , aswell as my request to stop interest accruing on account which is around 500 every 2.5 months.

 

I have also in writing and over phone asked for sar and also copies of guarantee I signed back in 2008 , as I have documentation stating 10000 but natwest are saying 25000.

 

In latest phone conversation (dec 2012)they mentioned debt will go to recovery agent as is ltd company and no longer trading. Am thinking this is better as no way can ever pay it back due to circumstances same as other debts on token payments , and at least interest may stop.

 

Was thinking bankruptcy an option , but am currently managing other debts through my own efforts and advice from Cccs , am not with any debt management company or dmp , and are all accepting the pound at moment apart from natwest.

 

I would very much like any help or advice regarding what you think my next course of action shoud be to resolve this.

 

Best regards

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currently have a natwest business account that is currently roughly ( not had statement for quite some time)15000 overdrawn.

 

Since dec 2011 I have been paying 1 pound token payments to my other unsecured creditors and they have all stopped interest.

 

I have wrote a few times to natwest offering the same terms few times over past 12 months ,and this has been rejected , aswell as my request to stop interest accruing on account which is around 500 every 2.5 months.

 

I have also in writing and over phone asked for sar and also copies of guarantee I signed back in 2008 , as I have documentation stating 10000 but natwest are saying 25000.

 

In latest phone conversation (dec 2012)they mentioned debt will go to recovery agent as is ltd company and no longer trading. Am thinking this is better as no way can ever pay it back due to circumstances same as other debts on token payments , and at least interest may stop.

 

Was thinking bankruptcy an option , but am currently managing other debts through my own efforts and advice from Cccs , am not with any debt management company or dmp , and are all accepting the pound at moment apart from natwest.

 

I would very much like any help or advice regarding what you think my next course of action shoud be to resolve this.

 

Best regards

 

 

 

 

 

 

have a natwest overdraft at moment that currently with their collections since jan 2012. Have guarantee of 10000 , balance is around 15000.

 

I'm still being charged interest for unauth overdraft which is adding to it more and more.

 

Spoke to them this month a they advised will going to recovery agent soon , as no longer trading and ltd company wound up some time ago.

 

Tbh back in 2008 I was naive enough to listen to bank manager to set up ltd company and they were more than happy to give overdraft , I had no business plan and said will just be selling on eBay. I feel I was missled and misadvised in some ways , the guarantee was never explained to me properly.

 

My personal debt is unsecured and currently on token payment proud per month option , did try to offer this to natwest but they rejected.

 

Sorry for the essay but am so stressed about it. I feel ive done well to manage personal debt at present and stop interest.

 

But business debt seems to be going out of control.

 

Any advice or help would be very much appreciated .....

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Anyone help please , apologies for double post just thought rexplain in different way

 

Anyone can help pease ,seen few viewing

 

Thanks!

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Firstly stop dealing with Nat West over the phone. Keep everything in writing.

 

Secondly you need to pay £10 for a SAR and then they are legally obliged to comply within 40 days.


 

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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I've only spoke to them once over phone , usually do everything in writing. Thanks for advice.

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