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    • I have been living with my partner since 2013. But after the birth of our son in 2014 things became unstuck. We were living together but I was making plans to move out, even viewed properties etc and therefore began claiming CTC and WTC to ensure that I could afford to go it alone. Eventually we worked it out but it has been on and off for years. In addition to this, I was in a lot of debt, had lost my job and knew that (selfishly) I needed the tax credits to keep my head above water.  My partner has no idea that I was claiming and if he finds this out he will leave me for sure. The house, the bills, everything is in his name. I work but I dont make enough money to contribute to the house as well as pay all my existing debts (my partner doesn’t know about half of these either). I  once had a bailiff call at the house and I had to tell him about it. He was so angry and mortified (as was I) and I just feel like I am bringing so much shame onto our family. I have been living this lie for 6 years and I couldn’t find a way out of it. I know I have made a huge mistake. I just want to pay it back and try to move on from it. I’m worried that I will have to go to court, prison, or they will want to speak to my partner about it. I really don’t want him to know about this because it’s so shameful. From my estimations it could be between 28-30K. I have absolutely no idea how I will pay it back, as we wouldn’t be able to claim any further credits as a joint claim because he earns too much money.  I haven’t eaten or slept in days. I feel physically sick and I just can’t cope with the guilt and humiliation. I did make false claims and now I’m worried I will pay the ultimate price and lose everything I have.    
    • Hi All,   Hoping for a little help and advice please.   This company Link Financial are chasing me for a debt that I had as a credit card with Royal Bank of Scotland. Out of the blue and having no correspondence from RBS a few year back this company claimed I now owed them the sum of money. I have written in response stating I do not acknowledge any debt to Link financial and asked them to supply evidence of liability. I also requested a true copy of the alleged agreement, a full statement of account, a signed true copy of assignment and any other documents referred to in the agreement. I also enclosed  a £1 payment for the credit agreement request and clearly stated that this £1 payment under no circumstances should be set aside for any alleged debt and if the documentation can't be supplied the fee should be returned.   Link's response was just a small statement of account with credit agreement number, account number (same as the RBS number), date of agreement and transaction sheet where they had taken the £1 fee off the debt value after I asked them not to. There was no true copy of assignment, true copy of alleged agreement or evidence of liability.   For reference, In 2009 my debts started to mount after my wife I had lost a child and we weren't at work for months, so ended up paying the mortgage on a credit card. Eventually it got too much and the RBS took me to county court in 2011 where I received a CCJ and then RBS was granted a charging order on my property which is in my name only. I was ordered to pay a monthly fee.    I received my first letter from Link in 2016 just stating, we have not written to you in some time as we have had to locate your address. We would like to discuss your intentions regarding the outstanding balance on  your account. I had no correspondence from RBS about this so I thought this was a scam company.  Unbeknown to me I also realised the monthly payment to the RBS had stopped being taken directly from my account.   After a few letters backwards and forwards about me disputing Link and this debt today 26th February 2021 I have now received another letter from Link stating. As you are aware a charging order on the beneficial interest you have in the property at.........has been secured. They are now seeking payment and will accept monthly payments on the account in accordance with my current financial situation. If I chose not to settle in full or fail to complete and return the form below or contact them within 7 days they will take further legal recovery action. There is a little boxed section at the bottom monthly or weekly payments for me to fill in and send off.   I'm really at my wits end now of what to do next. I have two years left on my mortgage and finding it really hard to get through that two year financially, especially since this pandemic has really hit home money wise. The last thing I need is the family home to be taken away especially with a 10 year old in the home.    I really appreciate any help and guidance. Thank you.    
    • OK lets pick out a few words in the ramble   Free energy?  Slavery?  Constructive manslaughter?  Weaponised energy of 5g Biowarfare Only wearing medical masks for criminal intent   Please may I suggest an extra layer of foil on the tin hat?    Oh and FYI there is no class action in the UK... 
    • i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them.   I dont know what to do now -   @Andyorchcan i have your thoughts too please   the hassle just makes you feel like giving in to them
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Hi CAGgers,

 

Help & advise needed on a parking issue. It has two parts to it.

 

Background:

My property has a drive way to the rear which connects directly to local authority maintained road/cul-de-sac.

 

The boundary of the drive and road is marked by what can only be described as stones in the ground. The drive, stones and road are all on the same level (so no dropped kerb access) just an easy roll across the boundary to access.

 

At the same time, parallel to the drive is my rear garden which has a fence on 3 sides. So the fence separates my drive and garden, the road and my garden and my neighbours drive and my garden.

 

On the section where the road and garden meet, as mentioned they are separated by a fence. Running between the fence and the road is a small strip of land about 15-20 inches that appears to be a continuation of my drive. When you look from above, it looks like an L shape and it constructed of the same materials as the drive. The attachement of old pic shows the rear of the property and hopefully my description makes sense.

 

The first part of my problem is that cars are parking with their wheels overhanging the stoned line and on this strip of land. It may sound petty but it annoys me for a few reasons. Mainly because cars that have parked on the section have scraped wing mirrors on our fence and it also leads to the second part of my issue.

 

The second part is in relation to being able to access and exit the drive without needing to turn left off the drive to the end of the cul-de-sac, perform a multi-point turn then get out of the road. You may note that at the entrance to the drive there is a 45 degree angle to the fence which it there to enable easy turning on to and off from the drive. Cars that park on the strip of land invariably overhang the angled section meaning it becomes redundant (hence turning left off the drive instead of right for a direct exit).

 

For the second part of my problem, I am in discussions with the local authority parking management people to see where I stand with regard to any obstruction as I'm hoping a PCN can be issued if the parking is deemed to be an obstruction of access.

 

For the first part, the local authority have advised they do not own the land and so at this stage I'm assuming it is mine. So, how can I prove 100% its mine and that being the case, what are my rights and course of action for people parking on what would be my property? Private PCN? trespass?

 

I would like to state that I am in no way wanting to stop people from parking parallel to my fence, as long as they do so on the road. I just want my access to be unrestricted and people not to park on my property.

 

If the strip of land is mine I will also at some point have it resurface when the main drive is done.

 

Advice and guidance would be greatly appreciated.

 

Mr P

Rear of Property.png

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Hello there.

 

If the strip of land is yours, it would normally show on your deeds. Have you checked with the Land Registry?

 

HB

 

Hi HB ,

 

When I look at the map from the land registry, the property boundary goes to the road, there isn't any marking to show the strip in question as being separate.

 

Mr P

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If the road is unadopted, who owns it and is responsible for maintaining it?

 

I

 

Hello Michael, the road is owned and maintained by the local authority

 

Mr P

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Rather than contact the council to see if parking tickets can be issued

Talking to neighbours may be a better approach you have to live there

 

The amount of people who ask me why I am parked outside their house LEGALLY when I am working I fail to see there problem MOT in place tax insurance all that happens is I do paperwork in van after the job something I would normally do when get home saving me time at the end of the day

 

Sometimes it is better to live and let live

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hi Mr P

I was going to suggest a small box or sign on the right of your drive(on your proerty) would probably help your visibility problems, but it is such a pretty road it would seem a shame to paint on the road or hang signs up, perhaps Michael is right.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Rather than contact the council to see if parking tickets can be issued

Talking to neighbours may be a better approach you have to live there

 

The amount of people who ask me why I am parked outside there house LEGALLY when I am working I fail to see there problem MOT in place tax insurance all that happens is I do paperwork in van after the job something I would normally do when get home saving me time at the end of the day

 

Sometimes it is better to live and let live

 

I've no issues with people parking on the road, as I mentioned. The obstruction of my drive and the damage to my fence is the issue.

 

I've no interest is causing any arguments or conflict. I've not said it's my neighbours, they all park fine.

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I've no issues with people parking on the road, as I mentioned. The obstruction of my drive and the damage to my fence is the issue.

 

I've no interest is causing any arguments or conflict. I've not said it's my neighbours, they all park fine.

 

There is really not a lot you can doif your car is not in your driveway anyone can park across

Surely if anyone drags there Wong mirror across the fence they would have damage to there vehicle

As there car is potentially the second most valuable asset they have after a house

They need to shake there head

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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There is really not a lot you can doif your car is not in your driveway anyone can park across

Surely if anyone drags there Wong mirror across the fence they would have damage to there vehicle

As there car is potentially the second most valuable asset they have after a house

They need to shake there head

 

 

 

If the drive is blocked, local authority do have the power to issue a PCN. They have advised this. If a car is not on the drive it makes no difference. What about access to it?

 

 

When their wing mirrors are scarped across the fence it does both mark the fence and their mirrors. I would like them just not to do it!

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Hi Mr P

I was going to suggest a small box or sign on the right of your drive(on your proerty) would probably help your visibility problems, but it is such a pretty road it would seem a shame to paint on the road or hang signs up, perhaps Michael is right.

 

 

I think a small sign on the fence advising not to park on the bit of land may be needed but I'm not sure how effective it would be. A suggestion that has been talked about between myself and another neighbour is to place some kind of raised object on the strip of land to prevent a car pulling onto it. Even one of those metal posts maybe that can be leaned down or locked vertically?

 

 

Mr P

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I think a small sign on the fence advising not to park on the bit of land may be needed but I'm not sure how effective it would be. A suggestion that has been talked about between myself and another neighbour is to place some kind of raised object on the strip of land to prevent a car pulling onto it. Even one of those metal posts maybe that can be leaned down or locked vertically?

 

 

Mr P

 

Perhaps a coouple of lines on your property parallel to the road may stop people parking, i dont think there is any law which would stop this, although it would I suppose be slightly misleading to the motorist.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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