Jump to content


  • Tweets

  • Posts

    • Wayne Ting, chief executive of e-scooter firm Lime, says there's room for improvement. View the full article
    • If you are absolutely certain* that you were parked OK, write a letter of complaint to the Headteacher and copy in the Chair of the school governors.   If you or the car were identifiable in any way from the photo (eg visible registration number, driver's face etc) I would very politely write that you resent the untrue suggestion that you had parked/had stopped/were waiting in a way that contravened any traffic regulations, and that you are sure that the school will understand that you would like an apology and a correction to be printed in the next newsletter.  (You can also clearly state that you were identifiable from the photo because other parents have mentioned it to you).   See if that works.   You don't want to go to court for defamation as you'll need access to about £10k in fees before you get out of bed.  You just want an apology and a correction.  If what you've told us is accurate, I don't see any reasonable school failing to say sorry.     *My wife is a former school governor and my experience listening to her is that very very few parents actually understand the meaning of the no stopping/no waiting signs and road markings outside schools.  Don't complain unless you are sure you weren't stopped where you shouldn't have been.
    • And they haven't offered a speed awareness course either?  (Have you done one in the last three years or is this in Scotland?)   And is one of the notices for 34 in a 30?  As Man in the Middle says, that ought to be below the level at which they take action.   (And sorry - I don't want to appear preachy - but...  there don't have to be any warnings or signs or lines on the road to advise you of the presence of speed cameras.  If you get away with an exceptional hardship argument you will need to stick to speed limits in future - whether you know there are cameras there or not.  NB Don't know if this applies to you, but most 30 mph limits are restricted roads with a system of streetlighting and don't even need speed limit signs - you are assumed to know this from the Highway Code).
    • It's up to you if you want to pay £300 you don't owe plus whatever Unicorn Food Tax with no basis in law whatsoever that they will have made up in the Letter Before Claim.   We'd prefer you didn't.   But you have received a LBC so it's make your mind up time.   So please    - post up photos of the signage in the dark that you'll have taken two months ago (post 14)    - post up details of planning permission for their signs you'll have found out after you got onto the council, again two months ago (again post 14)    - also let us know if you agree with Brassnecked's excellent letter or if you'd like to tweak bits depending on what you've found out    - upload the LBC.  Some of them are appallingly drafted and invariably contain Unicorn Food Tax which is all useful extra ammo    - also, where are you living now (post 35) and are you comfortable with legal communications arriving at your parents'?   If you look in our PPC Successes thread at the top of the page, you will see 275 times these cheats have been seen off with their tails between their legs (and all had the same "well known legal companies" (ho! ho!) on hand).  In reality 275 times is a massive underestimate, in all 275 cases there was a "moment of victory" IYSWIM where the PPC were thrashed in court or discontinued a claim or were called off by a supermarket chain, etc., etc.  There will have been at least that number again where they were told to Foxtrot Oscar and then crawled back under their stone.  They are eminently beatable but logically when you're in legal dispute you have to put some graft in to beat the other party.
  • Our picks

Please note that this topic has not had any new posts for the last 2484 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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.

Thank you

Recommended Posts

Hope you can help,

I was served with a schedule of inhibition after l was given a time to pay order with RBS.

 

The debt was in my name, however l am now married. We have a joint mortgage.(which l had before my debt)

 

We are now looking to sell our house and buy a new one but will need to borrow another 20K, which we can afford. In fact my husband could afford it himself, without considering my income. We have lots of equity in our house.

 

So, l am wondering, will his credit rating be ruined because of me? Is there a high chance we wont be allowed more money, even though he could afford it by himself. Could he take out a new mortgage in just his name?

 

In hope,

HH

Link to post
Share on other sites

H welcome to CAG.

It would be best to check Experian or Equifax (use 30 day free trial) or Call Credits Noddle which is free but not always up to date.

 

 

The personal debt should not affect your husbands actual credit profile but the files may show an address link to you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

It will show you at financially linked

 

Has the inhibition order now fulfilled and when?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

I have been told that if l didn't receive a Debt Advice and Information package then the inhibition is invalid. I have downloaded it from online and l swear l have never seen it, how can l prove this or is there no point in going down that route?

 

What do you mean fulfilled? Sorry for my ignorance! I have yet to pay it as l have not yet sold my house. I have also been told that when l pay back my debt, l have to apply for the inhibition to be lifted and pay interest and fees! My debt is approx. £15K. Does anyone know what my likely fees will amount to? God, it is so stressful.

 

Thanks for your help.

Link to post
Share on other sites

When l was given my schedule of inhibition l wasn't actually at home and the officer put it through my door. This was in Oct 2010 in Scotland. CAB have told me that the inhibition is not valid if l didn't receive a Debt Advice and Information Pack, which l didn't.

 

How can l proof this?

 

Any help would be so grateful as l am about to put my home on the market and am so stressed about what is going to happen and the legal fees.:!:

Link to post
Share on other sites

Can anyone please advice. In October 2010 (Scotland) l was given a schedule of inhibition, which was put through my door by an officer as l wasn't at home. There was no DAIP. I have never had one of these, CAB have told me that the inhibition is invalid if this is the case. How can l prove it to be so?

CAB have also told me that when l sell my home (which l am planning soon) and my debt is taken from me, they will also take interest and fees. my debt is approx. 15K. What might the fees add up to? Does it take long for the inhibition to be lifted and my property fee to sell?

 

God, it is so stressful, any help would be great.

Link to post
Share on other sites

Hi helen_h,

 

I have merged your three threads on this subject, best sticking to one, please continue to post here regarding this issue.

 

Thanks,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...