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    • doesn't matter you've admitted about the DN and anyway where have you done that and to whom?   by assignment arrows are the creditor regardless to your acking of that fact or not.      
    • Just ignore the letter.   Block/bounce their emails or let them come through so you know what they're up to, and keep us posted.............   😎
    • Thanks DX,   I've already admitted that a default notice was served in 2010 by MBNA, so it seems I might be left hoping that they're unable to produce the original CCA.   I've never acknowledged Arrrow as the creditor and continue to pay MBNA.  Is that in my favour?   Cheers,   Richard.
    • For PCN's received through the post [ANPR camera capture]       please answer the following questions.       1 Date of the infringement  10/07/2019       2 Date on the NTK [this must have been received within 14 days from the 'offence' date]  12/07/19      3 Date received  13/07/19      4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?/    Yes      5 Is there any photographic evidence of the event?  yes      6 Have you appealed? [Y/N?] post up your appeal]  yes  Have you had a response? [Y/N?] post it up  yes      7 Who is the parking company?  Civil enforcement      8. Where exactly [carpark name and town]    10B QUEENS ROAD, CONSETT, DH8 0BH       For either option, does it say which appeals body they operate under. Yes    …………………..     This is what I sent to CE appeal in my own words   Reason For Appeal: Firstly I had an appointment at that time with the dentist. My last visit 2 years ago the car park was free and was not aware of the new parking system.   The sign at the front is very obscure especially turning right into the car park. Where I did park, the sign opposite was turned 90 degrees making it hard to see.   The door at the surgery was wedged open when I entered not realizing there was a sign relating to the new system . I cannot remember if there was any signs inside the surgery but once in I always pick up a magazine to read until the dentist is ready to see me.      My statement and evidence to POPLA. in response to CE evidence highlighting main arguments.   Par 18 . The image submitted from the Appellant of a sign slightly turned is still readable and is not obscured...….. Me Not from where I was parked. A photo from the bay shows a pole with the sign facing away.  Par 18 . Furthermore, it highlights that the Appellant was aware of the signage on the site and failed to comply with the terms and conditions regardless.......  Me I treat this paragraph with contempt. There is nothing to "highlight" here as I maintain I did not see any signage; Regardless ? I could have legally parked right outside the Surgery as there were spaces at the time but having "regard" for disabled and elderly, parked further away having to cross a busy road to the Surgery. Par 20....,. Furthermore, the Appellant failed to utilise the operator’s helpline phone number,,, (displayed at the bottom of signage) to report the occurrence, or to request advice on what further action could be taken.... Me How could I have done this ? I only realized there were signs there when the PCN arrived. Summary. I stand by statements and maintain that I did not see any signage entering or leaving the car park. The main sign at the entrance is too small and easily missed when you have to turn right though busy traffic and once through carefully avoid pedestrians, some walking their dogs. The main sign is blank at the back. When you leave the car park I would have noticed the private parking rules if the writing was on both sides. Roadworks signs close to the parking sign at the time did not help either. [see photo] CE evidence is flawed, illegal and contemptuous. Photos submitted are from months ago, Today I have driven into the car park and noticed the same signs turned 90 degrees including the one opposite my bay. CE have done nothing to rectify this disregarding my evidence and the maintenance of the car park. Showing number plates is a total disregard to patients privacy and I object to these photos being allowed as evidence on the grounds that they may be illegal.    POPLAS assessment and decision....unsuccessful   Assessor summary of operator case   The operator states that the appellant’s vehicle was parked on site without a permit. It has issued a parking charge notice (PCN) for £100 as a result. Assessor summary of your case   The appellant states that he parked on site to attend a dental appointment. He states that the terms of the site had changed since the last time he parked two years ago. He states that signage at the entrance to and throughout the site did not make the terms clear. The appellant has provided various photographs taken on and around the site. Assessor supporting rational for decision   The appellant accepts that he was the driver of the vehicle on the date in question. I will therefore consider his liability for the charge as the driver.   The operator has provided photographs of the appellant’s vehicle taken by its automatic number plate recognition (ANPR) cameras. These photographs show the vehicle entering the site at 14:17 and leaving the site at 15:13. It is clear that the vehicle remained on site for a period of 56 minutes.   Both the appellant and operator have provided photographs of the signs installed on the site. The operator has also provided a site map showing where on site each sign is located.   Having reviewed all of the evidence, I am satisfied that signage at the entrance to the site clearly states: “Permit Holders Only … See car park signs for terms and conditions”.   Signs within the site itself clearly state: “DENTAL PRACTICE PERMIT HOLDERS ONLY … ALL PATIENTS AND VISITORS MUST REGISTER FOR A PERMIT AT THE PRACTICE RECEPTION ... IF YOU BREACH ANY OF THESE TERMS YOU WILL BE CHARGED £100.”   The signs make the terms of parking on the site clear, are placed in such a way that a motorist would see the signs when parking and are in line with the British Parking Association (BPA) Code of Practice.   The operator has provided evidence to show that a search for the appellant’s vehicle has been carried out against the list of vehicles for which a valid permit was held on the date in question. The appellant’s vehicle does not appear on this list.   The appellant states that he parked on site to attend a dental appointment . I accept that this may have been the case, however I do not accept that this entitled the appellant to park on site outside of the terms.   The appellant states that the terms of the site had changed since the last time he parked two years ago. The operator’s photographs of the signage on site are dated 27 March 2019.   It is clear based on these photographs that the terms had been in place for at least three months by the time the appellant parked, which I am satisfied was a reasonable period for any regular user of the site to adapt to any change to the terms.   The appellant states that signage at the entrance to and throughout the site did not make the terms clear. He has provided various photographs taken on and around the site.   As detailed above, I am satisfied based on the evidence as a whole that signage made the terms sufficiently clear. I am satisfied from the evidence that the terms of the site were made clear and that the appellant breached the terms by parking without registering for a permit.   I am therefore satisfied that the PCN was issued correctly and I must refuse this appeal.   docs1.pdf
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Hi

 

I posted on here about 12 months ago as my family were evicted (s21 no fault) from a house we were renting.

 

Of my deposit of £1600 I had £300 deducted for 'sham' cleaning.

 

Because we struggled to get another place the landlord took us to court to get the house back.

Corporate landlord who didn't want pets in the house.

 

We managed to find another home eventually.

 

It's much scruffier than the last one but we painted it and made it nice etc,

but things keep breaking, dodgy plumbing and so on.

 

the owner now wants to sell (she's not a professional landlord).

 

She uses an agent who probably take a large chunk of the rent each month.

 

Agent has sent a s21 and given us a bit longer than the statutory minimum of two months.

 

We paid £1575 deposit and £400 check-in fees to the agent.

 

I have a job after being unemployed for nearly two years,

and still catching up with lots of bills each month so I have no savings whatsoever.

 

I have no idea how I'm going to find the agent fees and the deposit for the next house.

 

We have to pay these amounts up front.

 

The rent is going to cost us around £1300/month (Surrey area)

and so deposit will be about £2000 plus fees between £400 and £500.

 

My current deposit is not returnable until 10 days after I vacate. Even then I'm still going to be £1k short.

 

My daughter is on HB and income support. She has a very young baby and is expecting another - boyfriend is an ex boyfriend.

 

What a mess! Daughter is suffering post-natal depression so we need to move nearer to family and friends and the rents are not cheap.

 

They aren't cheap anyway, but it is what it is I guess. £1300/month is on the lower end of the scale, with many being more like £1500.

 

Will the council that we plan on moving to help with a deposit?

 

How can we determine which council it will be because we can't put an offer in without the fees available.

 

I'm so lost at the moment and can't see a way round this.

 

I've maxed on credit and don't know anyone with £2.5k sitting in their bank account.

 

Any advice?

thanks

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Until other caggers pop in, you might want to give Shelter a call.

 

They dont just advise on homeless situations, and might be able to point you in the right direction. Is there any chance you might be considered for social housing ?

 

http://england.shelter.org.uk/

 

Housing advice helpline

Call Shelter’s free housing advice helpline on 0808 800 4444.

Shelter's helpline is open 8am–8pm on weekdays and 8am–5pm on weekends, 365 days a year.

Our housing experts will offer support you no matter what your housing situation.

 

Calls are free from mobile phones and UK landlines

 


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Hi

 

This is the third time in three years now. All for no fault reasons. This time the landlady wants to put the rent up £150 a month. We agreed to £100 a month which was her original request and because we wanted some security we asked to renew for a year. So she said she would have to do affordability checks and so on.

 

The reason behind this is that I lost my job in November, but used my pay in lieu and a tax refund to ensure the rent was paid on time, but in April I was unable to make the payment on time and had to get a payday loan. So it was paid ten days late. I was very apologetic etc and had secured another job. I just told the landlady that I had changed jobs and didn't get on the payroll in time.

 

No other payments have been late or missed. Anyway, she hassled me for proof of income and when she got it she said the letting agent said I didn't meet the affordability criteria which is gross earnings = 2.5 x annual rent. And so she's evicted us! Just like that. I would have agreed to the extra £150 she's now advertising the property for. A total of £1600 a month.

 

Anyway, we've now got a Section 21 issued. She knows it's just me, my daughter and my daughter's babies ages 2 and 1.

 

I am totally at a loss as to why she's done this. How do these people sleep at night.

 

My query/problem is, I do not have enough money for a deposit on a place which will be at least £2200 plus agent fees of at least £400.

 

We were considering withholding the rent (especially as we can't afford it anyway, apparently) for the next two months and just paying her two weeks rent before we move, assuming we are lucky enough to get something. Doing this creates its own problems though. She won't give us a reference. I could lie and give somebody else's details as the landlord but any fool can check on google and see which agent is letting the house.

 

So my other option would be to say I live somewhere else, which causes its own problems in proof of ID etc.

 

Catch 22. Again. I cannot bear this life. I think all these types of landlords should be taken out and shot. They cause so much misery with their greed.

 

Going to the council would be a nightmare as well because of the lack of homes. My daughter would not subject her babies to some nasty B&B or hostel and I don't blame her. But there doesn't seem to be any other options at this stage.

 

Any ideas? I know some of you will come back and say that dishonesty is not condoned, but this is a roof over our heads we are talking about - and my honesty has got us nowhere so far. So what's the point. I just overthink things and the end result could be homelessness. This is our worst nightmare.

 

Plus we have pets and they can't go to a B&B or hostel.

 

thanks

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EveOwes,

 

I'm wondering if this might be better answered in "residentual lettings" ??

Did you pay a deposit ?

Do you have a "TA" ?

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Do you think i should copy it over or delete and start again?

 

I paid a deposit of 6 weeks rent and that was for an Assured Shorthold Tenancy agreement. We won't get the deposit back until after we have vacated and we can't vacate until we get another place so need the deposit sooner. We're screwed whichever way we turn. I had to borrow a deposit last time we moved but that person doesn't have any money at the moment and I have nobody I can ask.

 

I just don't know what to do. I can't go on living like this, having to move a full house every year. The cost and logistics are horrendous as well as the insecurity. Can't enrol the 2 yo in nursery or anything like that. and there are no council properties available and I can't get a mortgage even though I can afford one.

 

It's just a mess.

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Since you have been given notice to leave then you really should approach the LA and see what they can do to assist you with accommodation. This is a must as you have children involved and they should have a duty to assist you .... Call them asap and take the notice with you....


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As well the previous posts advice do an internet search for council / housing associations in your area and get as many application forms for housing into to them at least this way you are added to the waiting list.


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Do you think i should copy it over or delete and start again?

 

I paid a deposit of 6 weeks rent and that was for an Assured Shorthold Tenancy agreement. We won't get the deposit back until after we have vacated and we can't vacate until we get another place so need the deposit sooner. We're screwed whichever way we turn. I had to borrow a deposit last time we moved but that person doesn't have any money at the moment and I have nobody I can ask.

 

I just don't know what to do. I can't go on living like this, having to move a full house every year. The cost and logistics are horrendous as well as the insecurity. Can't enrol the 2 yo in nursery or anything like that. and there are no council properties available and I can't get a mortgage even though I can afford one.

 

It's just a mess.

No, is not a mess, you say you are overthinking, but you are overthinking depressive thoughts even saying you cant bear this life etc.. you need to concentrate your overthinking on the advice given to you by others above.

 

following the advice from others will help get you a stable home with a housing association. it may not happen quick, it may be very quick... but once it happens then it provides you with a new start, new home and the stability that you want.

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EveOwes,

 

I have moved your thread to the Residential lettings forum, so no, you don't have to copy and paste it over - it is already done :)

 

Have you spoken to anyone in Shelter ?

 

The link below should take you to the Private Renting section.

 

http://england.shelter.org.uk/get_advice/private_renting

 

They do have a free telephone helpline,

 

Call an adviser for free on 0808 800 4444


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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