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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Black Horse/Skye Charges


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Hi

I have recently finished paying a loan, originally with Black Horse now with Skye.

I have made all contractual payments under this agreement. (well actually I overpaid by 1 instalment)

 

90 payments of 278.26 for agreement

91 payments of 278.26 made

 

The balance of this account is now stands at 775.04

This amount derives from 15 charges of 25.00 & 7 charges of 30.00

A charge of 15.00 to change the date of the repayments.

Also now a charge of 12.00 from Skye in March this year for an alleged instalment payment missed.

All information is obtained from a SAR sent to Black Horse in February 2016.

 

Skye took over receiving payments for this account in June 2015.At that point I had 7 payments to make, although due to a communication error with my other half 8 were made. All these payments made in full and on time.

So as far as I was concerned this loan was finished, but was aware account had incurred charges during a bad period for us 2009-2011.

 

I have never accepted these charges & made Black Horse aware of this & of our financial problems at that time hence paying for a date change in repayments to try and rectify problem but didn’t work & I continued to be charged.

I have recently received a letter from Skye quoting that I have missed a payment of 278.26 in March and have subsequently been charged 12.00.

 

Against better judgement a phoned Skye and asked how can I have missed payments when all contractual payments had been made +1. They hadn’t a clue what anything was as they had only received a balance figure from Black Horse & said they would look into it.

Another telephone call to Skye now reveals that this balance is made up of charges & interest. Some of the interest occurred from the start of the loan (draw down of funds in July 2008 & the 1st installment being paid in August 2008) and it was then pointed out that the amount owed now 775.04 is now capital. I repeated that I did not agree with the charges and would not be paying them and that I would be taken action to reclaim these charges & would send a letter this weekend.

 

The only problem is what letter would I use to address this situation, it’s been quite some time since I tackled anything like this & I know things have changed somewhat as regarding reclaiming charges. I spent a little time looking at COBS(unfairness) is this a route to take & do I take up this fight with the original lender as I have read a post from Bankfodder regarding all duties still remain with them even if sold on. The reason I ask this is Skye told me to deal only with them and not with Black Horse.

 

I work away from home during the week and can only deal with this at the weekend and as we all know these amounts soon start to get out of control so I need to deal with this as quickly as possible.

 

If any info is required I have all letters statements and telephone transcripts.

Any information or guidance is much appreciated.

Thanks

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Ok first thing you need to do is get all your paperwork in order. You say you have all the statements so that is a good start. It is worth sending the original creditor a full subject access request. Cost 10 quid should give you everything.

 

This helps reduce chances that they can pull things out of the Woodwork. Also may highlight things like ppi as well.

 

You need to prepare a preliminary letter of claim. To do that you need to use our interest calculators on those charges to get your claim figure. Im on my phone atm so cannot link to it. Look under our cag library for now.

 

Once you have done that you are ready for your next step.

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Ok first thing you need to do is get all your paperwork in order. You say you have all the statements so that is a good start. It is worth sending the original creditor a full subject access request. Cost 10 quid should give you everything.

 

This helps reduce chances that they can pull things out of the Woodwork. Also may highlight things like ppi as well.

 

Firstly, thanks for taking the time to have a look & replying, much appreciated.

 

I sent Black Horse a SAR in January & they complied and sent me statements,letters & telephone transcripts as well, a fair bit really.

 

Also I m pretty sure ppi is not involved, sure it would be highlighted somewhere within the paperwork?

 

I have found the letter and will start work on this shortly.

Thanks again for your direction.

 

Hi ss

If you get time can you post me a link to letter & calculator.

Have gone through library can only find this letter that may be of use,is this correct?

http://www.consumeractiongroup.co.uk/forum/showthread.php?390026-Mortgages-Reclaiming-Charges-**Correct-as-at-October-2013**

Thanks R

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Thanks also Martin

I am trying to get this sorted today I have re-typed letter but I do have a few more questions which hopefully I can get posted today.

Thanks

 

Ok

Just finally sat down to have a look at the spreadsheets.

 

Right I believe I am to use the CIS Version for my claim.

Fine.

 

My be sounding like a plum here but where would I get the APR from a Black Statement or the original contract?

 

Also referring back to my original post I have made an extra installment payment how does this fit into the equation?

 

Just a few more things to iron out on the letter.

 

1.This was a joint account with my wife,do I word the letter in the plural, as I am doing the letters I keep using the singular.

 

2.The loan was originally taken with Black Horse and was a secured loan,

Skye now call it a Mortgage.Do I use the word secured loan or mortgage

 

3.Do I send this letter to Black Horse(the original lender) or Skye Loans (the new owner) or both.

 

Hopefully this is the last of my questions, may seem trivial but want to get this right from the start and get this letter sent out.

 

Thanks for your replies and time.

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Use the CISheet if you are claiming interest in restitution at the rate they were charging you, otherwise use the statintsheet and use 8% s69 interest

 

I currently have a claim for mortgage charges which was a joint mortgage with my now ex wife, i have claimed as a sole claimant but will obtain a declaration from her to that effect, otherwise you can go solo, you may need to add her as a joint claimant, or just make a joint claim, see cpr 19 for more info.

 

Refer to it as a secured loan, now a mortgage and reference it as "the account"

 

Send it to skye and add the last overpayment to the spreadsheet

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Ok

I have managed to sit down and sort letter.

Trying to fit this in between everything else.

 

have attached my letter ,

how does this look?

 

The total amount of charges is 597 + over payment of 278.26 making total of 875.26

 

CI is 629.22 based on the original loan agreement of 15.9%

 

Making a total of 1504.48.

 

As you will see I have not included the interest in my letter , is this correct?

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2nd to last paragraph you may want to change to give them 14 days ir they will have 8 weeks before you can send the LBA, which will be almost identical other than its headed "Letter Before Action". include a copy of the spreadsheet with it and send it recorded delivery or at least obtain proof of posting from the PO

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ok martin

 

wow quick reply.

 

So I have to incorporate 14 day timeline.ok,will re-word that then.

Is it correct otherwise?

I mean,not including interest in the charges amount?

 

Will re-word and re-post tomorrow.

Thanks for quick reply

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The spreadsheet should have calculated interest in restitution to date, you should state the amount claimed plus interest to date as per the CISheet for now, if and when you issue a claim, the interest changes from the issue date to s69 interest at 8%.

If you read other threads for charges claims, youll get the picture

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Thanks for reply Martin

 

I came across some old letters on a memory stick, could I merge this one with mine.In regards to the 14 day timeline and also the reference to the credit file?

 

Apologies trying again

 

Ok hows this read.

Any alterations

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I wouldnt reference FOS, just give them 14 days to respond then if no refund, issue the Letter Before Action giving a further 14 days, then you issue the claim via mcol

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Ok thanks Martin

But all reads ok with the way charges & interest have been written?

This is my main concern that this is right from the start.

Will amend FOS part & get this sent off Monday.

Thanks again

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Yes ok other than that, include a copy of the spreadsheet and keep copies for your own files

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  • 2 weeks later...

As said a reply yesterday from Skye Loans

 

This doesn't do much really except passing it back to Black Horse the original lender.

 

How do I stand now with time lines and the like.

 

 

Do I just wait for Black Horse or should I now be doing something else

or do I take it that Skye hasn't really handled my complaint stick to the 14 day timeline and send an LBA.

 

Thanks

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Stick to YOUR timelines

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Hi Martin & all

Nothing up since last post.

14 days finished on Wednesday just past.

I need to get LBA sent could you possibly link me to a template if you are around.I Cant find it.

Do not think I m lazy its just i dont have much time.I am a shopfitter by trade and my hours are very demanding leaving me very little time to sort things.I am home from London tonight & then have to leave for London again tomorrow at 5.30 ,a good 3 hr trip so could do with penning a letter tonight.

Also regarding my previous post,I carry on with sending the LBA to Skye and completely ignore Black Horse.

 

Thanks Rob

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You dont need a template, its basically the same as your preliminary letter but with "Letter Before Action" heading

 

If you dont get a result in 14 days time, issue a claim via MCOL

 

We can help with the POC when that time comes

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Unfortunately letter had to wait for me to get home.

 

I have drafted LBA ready to post out tomorrow.

 

the only question I have to ask is who am I sending it too,

 

Black Horse or Skye.

 

Reason for asking is that I received this letter yesterday.

 

Thanks

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As skye have passed the complaint to black horse then BH have recd the preliminary, so the lba must now go to black horse aswell

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