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    • Odd one this, I recieved 2 notice's for the 18th and 19th April stating that I overstayed on Wigan Robin Retail Park. Permitted Minutes 180. They state I was there 355 minutes on the 18th and 388 minutes on the 19th. Both times I was there around 10 minutes getting my wife a brew from costa after dropping the kids off at school.  On both days I had passed through there a second time around 3pm, again to get a brew then left. Both notices have 2 images each, Entrance and exit.  This is the interesting bit. The Entrance images both timestamped actually clearly show I am exiting the retail park not entering it. And the exiting images they provided show me leaving the carpark after visiting a second time later in the day. In the attachments You'll see all 4 images show that I am exiting, none of them are of me entering. I understand most if not all that see this post won't know the area but if the look at the map link i gave you'll see the road I was on leading up to the main road. g24 ltd 1.pdfg24 ltd 1.pdf GoogleMap view of the road I am on in the entrance images I would have had dashcam footage but I since formatted the memory card. I tried recovery tools but I couldn't get the files back.  
    • An update: I just got another PCN. I get the feeling that someone in the residence is calling OPS, as it's dated for a few mins after I parked. I won't appeal of course. Interestingly, our cleaner was also parked but didn't get a PCN. I asked them why and apparently they're whitelisted. I did ask the MA if they could whitelist me and they said they couldn't. Clearly they decided not to tell the truth. Surely, this would resolve all of the issues entirely i.e. we'd keep non-residents from parking, whilst allowing for residents to park without issue? Also, could OPS now take me to court for both PCNs separately, or could it be one case?    
    • I was with sse broadband until Jun 2023 at which point without notifying me they passed me to origin broadband who I was unaware is my supplier now -  My broadband at home kept working and I was under the impression that sse are taking direct debit payments from my bank account and everything is fine because the Internet has continued to work.  To my horror I have just noticed that origin broadband has been sending me PDF bills for £39 a month and the email heading has been showing as just no reply so I thought it was junk and never bother to check it.  I have now noticed a bill every month and now I owe them some £350. I did instruct origin to supply me Internet and therfore don't feel responsible for this debt.  What are my rights and is it a legal debt considered I did not sign any agreements with them - their first contact with me tho was very clever back in July 2023 trying to lure me into an agreement however because I just saw that email now I'm not sure what to do because I owe them 400 pounds nearly supposedly at 39 per month.  Our agreement with sse was for 26 per month but they shut shop and passed us to origin without asking our consent.    The following is what origin email said back in July before they stated sending invoice every month for payment.    We hope you're enjoying your reliable phone and broadband with us. We're just letting you know your phone and broadband package will end on 30 Jun 2023. Thankfully, good things don't need to come to an end - read on to decide what you want to do next.   Below you'll find the details of your current package and some other great options to compare it to.   What can I do - shall I just pay the debt and cancel it and move elsewhere or is there any way I can fight this as they are more or less enforced upon us with out permission by sse who most Likly sold our accounts to them.    Any help greatly appreciated 
    • whyisthis - Oh bless ya, it's so easily done.  Not worth losing sleep over; listen to the guys here, they know their stuff.  They won't take you to court, they'd get laughed out of it x
    • Monk - you are an experienced and respected member of this forum. Surely you realise how vitally important it is to respect court deadlines. There was no lack of knowledge.  You knew the deadline date.  You calculated it yourself in post 5.  It was written on the claimform.  Defence deadlines are written on probably a thousand threads on the forum. Sorry, but if you're up for a legal fight you also have to be up for organising yourself properly. As for now - 1.  pay it within 30 days and the CCJ disappears, or 2.  don't pay, nothing "legal" will happen, but you'll have a CCJ for six years.
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Honours Student Loans 'trace letter' after 15yes


MoneyRats
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Yeah they say "considering a home visit", reviewed considered whatever.

 

 

The fact is, as you say, people who are vulnerable to these kind of threats are the ones who are struggling and terrified of their own dire financial situation,

 

 

they know those fear buttons and just hammer them repeatedly to scratch a few quid a month out of some poor sod.

 

 

That's the kind of thing that drives alcoholism and suicide.

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I'm returning to uni to finish my nursing course off and have taken a massive cut in NHS bursary.

 

I have a degree from years ago and old mortgage style loans, which somehow went into arrears and got sold onto the wonderful Honours SLC.

 

I am not entitled to a new student loan, because of this factor and wondered if I could take these people to court,

appeal or anything on the grounds of lack of information, discrimination and losing of paperwork.

 

I doubt if I stand a chance, but is there anyone who can help me?

 

This could affect me doing my course and I find it unfair, as I deferred due to major illness and only have two years left.

 

I am trying my best, any advice/help would be useful ty.

Edited by sammie89
typo
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I'm returning to uni to finish my nursing course off and have taken a massive cut in NHS bursary.

 

 

I have a degree from years ago and old mortgage style loans, which somehow went into arrears and got sold onto the wonderful Honours SLC.

 

 

I am not entitled to a new student loan, because of this factor and wondered if I could take these people to court,

appeal or anything on the grounds of lack of information, discrimination and losing of paperwork.

 

 

I doubt if I stand a chance, but is there anyone who can help me?

 

 

This could affect me doing my course and I find it unfair, as I deferred due to major illness and only have two years left.

 

 

I am trying my best, any advice/help would be useful ty.

 

 

you new to start a new thread

 

 

of your own

 

 

dx

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... 

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  • 1 month later...

No news from them for a month now. No "home visit" yet (what a shocker).

 

 

I'm sure a new threatening letter will arrive at some point, they'll think of a new way to rearrange the same threatening words in a different order and send another letter that I'm supposed to cr@p myself to.

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  • 2 months later...

I said I'd keep this updated so I will - still no more letters or contact from HSL. Just coming into July now so last letter I got was mid-March. Surprise surprise no "home visits" or any cr@p like that.

 

 

Anything I get will still just go straight in the bin anyway but hey. If anyone out there is in the same circumstances as me I recommend just absolutely totally ignoring it and not giving them even the slightest thought to make you worried, as that is literally the only tactic these scumbags have.

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  • 1 month later...

Thanks for posting MoneyRats

 

I called the Student Loan Company today to get a balance for a loan I took up in 2005, as I haven't had any correspondence from them for a while (though I have moved a couple of times).

 

The lady kept going off the line because she said my account seemed to be 'locked',

 

she gave me a balance eventually, but said I'd have to call HSL to discuss a previous student loan. Eh? Who are they?

 

That loan was in 1992 I said, and I think it was only for £350 quid, and I'm sure I paid it off.

 

She gave me a number and advised me to call them.

 

When I got off the phone, I tried to think back 20 odd years..

 

I'm sure I deferred it a few times, and I think I did pay something, but thinking about it, I don't think I would have paid it off.

 

There's nothing on my credit file about it - I should know because I was in debt a few years back, and all the defaults have finally dropped off

 

. I'm buggered if I'm going to let a 20 odd year old debt mess that up..forwarned is forarmed as they say!!

 

Cheers!

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As. In that other thread

 

HSL are nothing but a hidden dca

Like link+thesis

Arrows+redeo

 

Ruddy fleecers the lot of em

 

Dx

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... 

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  • 1 month later...

Hey all, so after 6 months I got another letter from the clowns/cowboys (clownboys?) at HSL.

It's a nice breakdown of all the interest they say I owe on this non existent debt.

Quite funny really, literally goes 30/03/15 £5.18, 30/04/15 £5.01 etcetera.

 

They've even got the balls to send me a photocopied sheet of the financial conduct authority's guidelines on what to do about being in debt

- which is ironic really seeing as the FCA state that having been notified by me of the debt being statute barred

they should no longer be contacting me at all.

 

 

See here from FCA website:

 

 

CONC 7.15.7: It is misleading for a firm to suggest or state that a customer may be the subject of court action for the sum

of the statute barred debt when the firm knows, or reasonably ought to know, that the relevant limitation period has expired.

 

CONC 7.15.8: A firm must not continue to demand payment from a customer after the customer

has stated that he will not be paying the debt because it is statute barred.

 

 

From here: https://www.handbook.fca.org.uk/handbook/CONC/7/15.html

 

 

This loan is 20 years old,

no contact with me for at least 15 years,

no CCJ's = no debt.

 

 

If I had nothing better to do I would just start legal proceedings with the financial ombudsman,

but I'm quite happy to just chuck their silly letters in the recycling

and report on here to help anyone else out in same situation.

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  • 7 months later...

Just to keep this alive with no further information really: I haven't had any further letters at all from this bunch of criminals so maybe they've given up? Been 8 months no contact whatsoever....no idea.

 

 

Cheers

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