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    • Update. The ASB team have categorically said they want to send a letter to the idiot saying... you are upsetting your neighbor, please come in to talk about this, we need to tell you we have no power to do anything about this though... WTAF?   They also said my only option to stop idiot parking and obstructing our kerb is to park our other car outside idiots property 🤔 because the car is now not obstructing enough to get a ticket and not breaking any law! Even though it's obviously being done to cause annoyance.   Just seems beyond belief!
    • Ok, quick update on this.  Mediation didn't happen - mainly because I missed the deadline for agreeing to the date - I didn't realise the deadline was quite so tight - and I had been away for the weekend and not reading my emails - anyway - although it was bad to not formally respond, it didn't really make too much difference because due to the lack of viable evidence provided by the claimant, mediation would have been pointless.   So I've been waiting to head what court date has been allocated to my case. However, instead I received a "General Directions or Order" letter.    Sorry - I meant to bring it in (to where I'm writing this).....but basically the gist of it was that the claimant had 14 days to respond providing evidence e.g. signed credit agreement etc. - and then I had 14 days after that to respond stating whether I accepted that evidence and whether I wanted to withdraw defence.    The letter was sent around the beginning of the month - therefore their 14 days are more or less up - I haven't heard anything - albeit, I need to factor in postage times - but surely this means my 14 days are not really 14 days....but more a case of the time left before the end of October and when or if I get anything from the court of the claimant with their evidence.   My question really is:    Is it a stupid question - but I cannot really do anything until I receive anything - at the moment, the court won't know what they've sent me (in response to my CCA request) - i.e. the poorly presented application form - meaningless statements - no clear signed credit agreement etc. - so this step is basically the court asking whether there is enough evidence in order to allocate a court date?   I'm assuming I should get a copy of whatever the claimant provides to the court?   Many thanks  
    • hello again, do you think this witness statement better suits my needs witness 2.pdf
    • Hi all   Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?!   https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819   Rgds. Andy
    • I am hoping someone can offer me some advice concerning an issue with my former landlord, please. In short, I took possession of a property he was letting out just over ten years ago. Having viewed and been offered the letting, I accepted and paid the deposit plus the first month’s rent and moved in. Meanwhile, the landlord had gone on holiday and it was not until a week or so after I had moved in that I saw him again when he came around to see if we had settled in OK. I told him all was fine and took the opportunity to ask him where the parking space was located as there is only “pay per hour” on street parking outside and a commercial car park approaching half a mile away. He said there was no parking included with the accommodation. Yet the lease which we had each signed clearly stated that the property included the use of a parking space. He told me that this was an error on his part and that there was no parking space included with the property. Having already vacated my previous letting and paid the deposit and the rental advance and moved all my effects into the new letting – in addition to not wanting a major fallout with my new landlord (I also had a wife and three children to consider), I erred on the side of caution and did not press the matter.   However, the kids have all grown and flown and we have been obliged to downsize to a one bedroom apartment (with parking, happily). This was nearly three months ago and I have only yesteray received contact from my former landlord’s lawyer stating I still owe him (the landlord) money. I am waiting to learn the grounds for his claim and have requested a full breakdown of that alleged indebtedness from his lawyer but, having been very good tenants who always paid the rent on time and not only took great care of the old property but also did a lot of unpaid work improving it over the course of our ten year residence, I am quite annoyed to be treated so meanly. Regardless of whether or not it transpires that I do, unwittingly, owe this man money I am wondering whether or not I might have a counter claim against him for the false representation of his lease and perhaps even be compensated for the ten years I spent paying for on street parking as well as putting up with the daily (often hourly) inconvenience of that.   If someone could advise me, I would be very grateful.   Thank you.  
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Not my main current account,

I gave the debit card details to a company for a timed repayment (you may guess the type of company)

I had no arranged overdraft, was in credit.

 

The third-party company clearly repeatedly tried to take payments from the account but there were insufficient funds to do so.

 

Then suddenly for some reason the bank decided to allow a debit for the repayment of a couple of hundred pounds, making the account overdrawn.

 

This was a couple of years ago, and

 

 

since then the bank had applied a default marker and has increased the debt via

charges,

unauthorised overdraft etc to over £1200,

I.e. loads more than the original amount.

 

I have been ignoring all the letters etc, they don't seem that eager (YET)

 

But really:

why/how can they have allowed the debit card payment when there was no money,

I agreed no overdraft?

 

 

Are they allowed to do that?

 

 

And clearly that amount of charges is absurd.

 

Surely it should have rejected the debit request leaving the third-party to pursue me if necessary?

 

Thoughts? Ta

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time for a BCOBS complaint?

 

 

so this is as a result of PDL

or one of these loan finder companies fees?


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Yes pdl

 

As you can see I was around on the forum at the start of the first wave of the bank charges battle but I'm rather out of touch now.

 

I see from your link that we have more consumer powahhhhhh now.

 

I seem to recall I received a 'final response' letter but my computer has exploded since then so I don't know if I have my correspondence.

 

Does anyone know if they can decide to accept a debit card debit if there is no money and no agreed overdraft faculty? I'm pretty sure any direct debit would be refused (so they can make money) but as there are no charges for a declined card debit I guess they make their money by accepting it therefore inducing unwarranted overdraft fees etc...

 

Am I imagining that there was a Halifax case recently about overdraft charges and defaults? Edit: ahh lloyds. Seemingly if the overdraft charges etc are deemed to be unfair a resulting default under the DPA is also unfair? Not sure how my case would compare as I did not make any payment as I considered their actions to be wrong and unfair and they had already started to add charges and I refused to give any money that would be used to pay those charges.

 

Any help very much appreciated

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