Jump to content

  • Tweets

  • Posts

    • Remind me please, is this you acknowledging the claim and putting together a defence or are we at witness statement stage?   HB
    • I'm afraid that by paying 1 pound per month, you've been keeping the enforceability of the debt alive. Normally debts become unenforceable six years after the terms of the loan have been breached. All with a mortgage its 12 years. I expect that my site team colleague @dx100uk will be along at some point today and he will give you the very best advice to help you deal with your problem. Meanwhile you ought to set out much more detail about the loans, creditors, amounts, dates et cetera.  fill this out <<<<
    • Please could you identify the manufacturer, make and model of the machine and the person or business which sold it to you. Who is the distributor? How much did you pay for it please and when did it start happening? I'm getting a little bit confused by understand that when you refer to the "supplier" – that is they who actually sold you the machine. This correct?   Also it's a bit confusing – please could you list out your total losses here – itemised.  
    • Around 16yrs ago my partner took out a couple of loans to complete renovations on our property. Around 2 years later we both had to give up work due to our new born child having a serious illness. Without going into too much detail we lost our house that we'd literally put 30k savings into along with another 25k taken in loans to complete it.    We had to give up work to care for our child which meant we couldn't pay most of our large debts. 2 loans for around 22k were outstanding and were eventually passed over to a collections agency whom agreed to accepts £1pm. These debts were passed to several others collection agencies every few years with them attempting to either agree a deal or get more funds. I think the latest company has been around 4 years with us still paying £1pm.    Is there anything I can do to get this debt wiped? I appreciate I could contact them to make an offer as full and final settlement however I wasn't sure if there was something else that could be done due to the timeframe involved?    Just for info. Neither of us are employed and still care for our child. I don't envisage this changing in the immediate future.  The default on the debt is around 13-14yrs & the loans were taken out around 16 yrs ago.
    • So do I just challenge each point like this….. ( my answers and statements in red)   1.     The claim is for a breach of contract for breaching the terms and conditions set on private land. The defendant’s vehicle (reg no) was identified in the Headford Mews on 22/12/2020 in breach of the advertised terms and conditions; namely Parked without displaying a valid ticket/permit. – I had not entered a contract with VCS, Nor EXCEL Parking. I was merely parking in the allocated space for the property I was working at with the permission of the tenant and letting agent who acts on behalf of the landlord.   2.     The terms and conditions upon entering private land were clearly displayed at the entrance and in prominent locations. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct - There is no contract because the terms were not made clear to me or were incomplete.   3.     The signs specifically detail the terms and conditions and the consequences of failure to comply, namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. – Original PCN came from Excel not VCS and I have no way of appealing. The letter I received contained insufficient detail of the claim. They sent me a vague and un-evidenced 'Letter before Claim' in complete ignorance of the pre-existing Practice Direction and the new Protocol. Their letter lacked specificity and breaches both the requirements of the previously applicable Practice Direction - Pre-Action Conduct (paragraphs 6(a) and 6(c)) and the new Pre-Action Protocol for Debt Claims (paragraphs 3.1(a)-(d), 5.1 and 5.2. The letter came from VCS not Excel   4.     The sum claimed is a NOT genuine pre-estimate of loss. I did not receive a penalty charge notice I received a speculative invoice.   5.     The leaseholder/ landlord client who owns or rents the parking space has 'supremecy of contract' over the agreement the VCS and Excel have with the landowner and I parked there under my client's instruction.   6.     Wording of signage and charge notice makes it clear that the charge is a penalty  disguised as a contractual agreement. For this to be a genuine contract in the terms stated by the PPC. There is no offer for motorists to park at the tariff of £100 or even £60 per day, merely the statement that a breach of the terms will result in the motorist 'agreeing' to pay a charge. In making a charge conditional on NOT doing something this makes the charge punitive and clearly designed to dissuade and any charge must therefore be reasonable and represent either the actual loss or a genuine pre-estimate of loss to the landowner or PPC. Since the car park is essentially free for residents no loss was incurred. The PPC has indicated that they are not required to prove loss as this is a free service to the landowner and the charge was agreed with the landowner in order to cover business overheads. If £100 was to be a GPEOL then in offering a discount to £60 for prompt payment the PPC would be running at a loss of £40 per ticket. The charge is therefore disproportionate, designed to penalise a breach and is unenforceable.   5.The claimant seeks the recovery of the parking charge notice, contractual costs and interest. The sign is for £100 consideration, not £245.      
  • Recommended Topics

  • Our picks

  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2857 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

I have broadband speed issue caused by the route provided to my telephone line by British Telecom.

I get a broadband speed of 1.4 meg download, my neighbours in the same area get speed of 2.4 to 3.0 meg download.

After complaints to BT they decline to do anything to provide me with the same service as my neighbours, My neighbours are 3 km from the exchange, My line is 6 km from the exchange, where does my line go between next door and here ? I pay for a service of up to 20 meg speed. BT provide me with a sub standard service. Is there anything I can do ?

Link to post
Share on other sites

Two threads merged and tidied

If I have helped you please leave me a message by clicking my star


1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here


How To Upload Documents To Cag







Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.


If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon


If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary





Link to post
Share on other sites

phone and tell them you want to cancel


you'll get retentions then

and they should investigate it whilst crawling to keep you as a customer.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks for reply, I will eventually move to another provider although as the problem is the actual routing of the telephone line

the broadband speed will remain substandard. I have complained to the BT executive complaints dept who informed me of the

route problem but refuse to do anything about it. I have offered to pay for a new line however they say they have no control

over the company responsible for installing a new line and advise any new line would merely split the current line on the same

route providing only a new telephone number with the same broadband issues. BT refuse to speak with this installation company

and refuse to allow me to do so regarding the route problem. It is a David and Goliath situation but I haven't got a sling :(

Link to post
Share on other sites

Well, for a little satisfaction you can always follow BT's complaints code located HERE


May not get you all you want, but at least someone will take you seriously... if they don't after 8 weeks you can escalate the complaint to ombudsman Services: Communications which will cost BT money to have the complaint looked at.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)


Or send a cheque or postal order payable to Reclaim the Right Ltd.


923 Finchley Road London NW11 7PE



Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)


If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site


Please also consider using the

C.A.G. Toolbar

Link to post
Share on other sites
  • 2 months later...

One thing to bear in mind here if you switch providers. Unless your new provider puts there own copper/fibre into your house, you'll likely have the same issue if it's caused by the length of the line.


In reality I'd be very surprised if your line goes a different route from your neighbours line. Do you live in a very rural area by any chance?



Computer Problems? Give me a shout...

Link to post
Share on other sites

This is a non-issue - you are getting the service. Speed is irrelevant, try telling someone in the Scottish Highlands that your broadband is slow!


BT can route the cables any way they want, your neighbour's speed is also irrelevant. Unfortunately you'll need to look at another connection method, or live with your speeds.

By day, computer and mobile phone technical support... by night home mechanic and Rover / MG enthusiast!


Cars: 1998 Rover 620ti

Computers: HP nc8430 Business Notebook, Apple iPhone 3GS 16GB

Link to post
Share on other sites

Hi, Ty for info,

I do live semi rural, 9 miles from a major city.


I wrote to ombudsman who gave me a reference number, then never heard from them again.


I was able to speak to an Openreach telephone engineer who informed me the line was old and needed replacement.

also the two wires carrying the signal to my property were deteriorated and not carrying the signal well.

Other wires were available in the line which worked much better


however Openreach could not fix the problem without being given the job to do by BT. who decline to assist.


As BT have been granted several million pounds by the government to upgrade broadband connections

I have supplied all the info to the local M.P. who has contacted every user in the area affected and proposes to petition BT to provide the service for which they have been paid.


I hope something can be done.

Link to post
Share on other sites
  • 1 month later...

Did you get anything out of this in the end.?


Mine was so poor then 3 months ago Infinity was offered in our area and my 0.5mbps on a good day service now runs at 38Mbps download and around 9Mbps upload,


I cannot tell you how happy I was.


I have heard of a new low cost satellite service coming soon so it may just be a ruddy waiting game here.

Link to post
Share on other sites


Ty for reply, I have heard nothing yet from any source. I have read that BT are already 2 years

behind in the fibre broadband roll out which having suffered from BT customer service does nor surprise

me. It seems I will have to wait a while. It is fortunate I have friends who do possess a broadband connection so I carry my computer to there address and plug it in to download any large files. They do laugh when they see that third world countries have better broadband than I do. A friend has a contact who lives alone half way up a mountain in South Africa who complains he can only get a download speed of 4mb. I have enquired into the satellite broadband but there are conflicting reports over its reliability and as yet it is still expensive for the amount you can download. I note its prices and download

amounts are improving with competition. Will have to wait and see.


TY Steve

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...