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    • Thank you for the summary you have given. I think you will need to commission a fully detailed point by point report which identifies the issues, the cause of the issues and then separately a quotation for resolving them. I think you need two quotations – comparative. Do you know the name of the person who owns TB plastering? Do you know their address? Do you know they have any assets? It sounds to me as if it's going to be quite an expensive job. On the basis of what you say, if you bring a legal action then you will have no difficulty getting a judgement in your favour the problem will be enforcing the judgement. What address do they use on their bill? You need to have a look at the land registry web check service for about three quid check to see who the owner of a particular property is. Of course you could simply wait until they decide to sue you and then bring a counterclaim but there is a big chance that they won't bother to sue and so it may be down to you to take your own action to undo the mess they have made. Come back here when you have found this out
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    • The first thing is to let the surgery know that you didn't enter your car registrtaion when you visited and ask them to confirm to Euro that you were a patient on that day and Euro should cancel. The quicker you do that before matters escalate, the more lkely that they will cancel. You could suggest that  they put up a sign reminding drivers to enter their vrm. thank you for posting the whole of the PCN which confirms that it does not comply with the Protection of Freedoms Act 2012 Schedule 4 Section 9 in two ways. [2][e] of S9 states (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; Your PCN does not. All it does is to ask the driver to pay which is not enough. In addition under [2][a] the PCN should specify the period of parking. Instead it gives the arrival and departure times of the car as it passes the ANPR cameras which is not the same. That means that you as keeper are not liable to pay the PCN only the driver is now liable. Courts do not accept that the keeper and the driver are the same person so proving who was driving will be difficult for Euro.
    • Pro peace/anti war/anti-atrocity marches which included many Jewish protestors carrying banners (as previously linked)  decrying the atrocities of Israel and the IDF such as 'Not in my name' 'Never again to ANY people'   Although a very small handful of unconscionable Hamas supporters were among the many MANY thousands of pro peace protestors, even they displayed nothing like the hatred and violence demonstrated by the 100 or so far right rabble who attacked police, tried to attack the peaceful protestors and then attempted to violently breach the cenotaph itself. The pro peace/end atrocities in Palestine protests have remained largely peaceful despite ongoing atrocities by the state of Israel and the IDF.   Even today, unarmed starving civilians in a supposedly safe camp in Gaza were murdered by shelling and bombing from afar by Israeli forces, while violent Israeli settlers have forcefully deposed more Palestians from their homes and lands on the west bank with the aide and support of Israeli military forces - just as the Israeli forces are forcibly relocating civilians in Gaza with even more horrors, atrocities and violence. These atrocities by the IDF in Gaza include starvation, forced relocation, bombing homes, health centers and refugee camps, denying food water and medical support, murdering journalists and health workers and the mass murder of women and children  .. are growing alarmingly and horribly reminiscent of some of the similar but wider scale utterly monstrous genocidal atrocities by Nazis on the Jewish people, which makes these actions by Israel and the IDF even more unconscionable and deplorable.  
    • Hi all, I was wondering what peoples thoughts / advice is for my following situation. Unfortunately, I have been caught speeding on the m6 - 56mph in a temporary 40 zone. I did not realise that the speed for the current stretch I was on, was reduced to a 40, I knew that some parts was bought down to 50mph but not 40. Ultimately, it is on own fault for not being more focused at the time.  I was wondering whether anyone caught doing similar speeds over the limit have been offered a speed awareness course. My letter states that the records show I have not met the criteria for a speed awareness course, which I feel is harsh given this is my first offence & the threshold for consideration is upto 53mph as stated below, our speed narrowly exceeded the limit and falls within the guidelines set out by the National Police Chief Council (NPCC) up to: 31 mph in a 20 mph area 42 mph in a 30 mph area 53 mph in a 40 mph area. Could I argue that my speedometer is not entirely accurate as such I should be considered in the 53mph bracket above and considered for a speed awareness course?  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Barclays new charges are going to push my financial situ over the edge.


Diddy
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Hi there. I got notification that Barclays are going to be changing their charging structure for overdrafts to a new system where if you are in overdraft they charge a daily rate.

Now I am in "constant overdraft". Basically when I was in work may years ago I had an arranged £2k overdraft and it is still at roughly £1700.

I dont have the means to just pay it off as I am now a carer for my father which has seen my income drop from about £30k to carers allowance and income support (approx £100 per week). At the moment as the charges stand I can manage the overdraft charges of just over £20 per month without it killing me. But now I am going to be faced with new charges of £1.50 per day which is >£45 per month. I am now at the stage where I feel it is time to do something about the situation.

Now I have had very few bank charges in the last 6 years...maybe 5 maximum. BUT if we were to go back much further to when my troubles started then the account does have many charges....BUT they were with the Woolwich before Barclays took them over. I do know that the Woolwich charges did take me into my overdraft....at around the same time as I had to give up work to care for both my ill parents. But we are talking about 7-10 years ago. I have no old statements that I can use as evidence of these charges so im a bit stuck.

 

So the question is What should I do in my situation - I am already looking at opening an account at another bank and getting my benefits paid into that. But how do I tackle this debt head on before it becomes the familiar nightmare of dealing with DCA's and having fee's stuck on top along with probably a CCJ ect ect. Any advice is greatly appreciated.

Diddy Vrs Clarity - Clarity have produced CCA on behalf of EGG CC

Diddy Vrs Woolwich - I am at stage 2 (recieved shcedule of charges applied to account)

Diddy Vrs Buchanan clark & Wells - sent CCA request, not yet complied.

 

Mission is to end the year 2007 as level - dont want to owe or be owed by then :cool:

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The thing is all my "old" debt problems have vanished from my credit file. When you look at my file it looks "clear" apart from this serviced £2k ish overdraft. So my credit rating must be ok enough to get another bank account. Im not interested in obtaining credit now or in the future anyway as I now live much more frugally than I did. This site has helped me so much in the past to help deal with my debts and I am looking at getting back to work over the next year (I am an electrician but need to update me certs....more £££) as I now have a loving partner who can and will help look after my father while I work. Just cant do so as quickly as June this year and that is when these changes happen...I simply can not afford £45 per month in charges to service this overdraft.

Diddy Vrs Clarity - Clarity have produced CCA on behalf of EGG CC

Diddy Vrs Woolwich - I am at stage 2 (recieved shcedule of charges applied to account)

Diddy Vrs Buchanan clark & Wells - sent CCA request, not yet complied.

 

Mission is to end the year 2007 as level - dont want to owe or be owed by then :cool:

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Hi Diddy,

 

Reclaiming bank charges is very rarely a viable option these days, particularly older charges. The only real option is to reclaim recent charges if you are in Financial Difficulty using The Lending Code.

 

Look to move your banking asap to a new a/c.

 

When Barclays realise you're no longer funding the a/c, it is likely to be passed to collections. You can then give them an I&E summary which will show how much you can afford to repay them per month. They should accept this and stop adding interest and charges to the a/c.

 

Then, if you are able to start earning a higher wage again, you should be able to repay them more quickly and have the matter settled.

 

:-)

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