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    • It's a very simple answer It,s a tradition me and a few of my long term mates go the pub to watch the football all day on boxing day and on new years day and our number one rule is we don't take our phones.! We don't see each other as we used to with us all leading different lives and having families but that is the one thing we have all promised too do until the day we die.! So it was quite normal for me not to have my phone and no need to worry about it because xmas and new year is the inky time of the year that I get a complete break from work zero emails zero phone calls.Its the only time in a whole year I completely have a break.
    • St Greta would love a canal with solar powered narrowboats.........
    • Name of the Claimant ? Erudio Student Loans Ltd   Date of issue – 9th Jan 2020   Particulars of Claim   What is the claim for – the reason they have issued the claim? 1.The claimant claims £10,100 for monies due from the defendant   2.The debt was pursuant to a regulated agreement(s) between the defendant and The Student Loans Comedy Limited. Each agreement had an individual account number as follows  XXX XXX XXX XXX   3.The defendant failed to make payments as per the terms resulting in the agreements being terminated. Notice of such is served by a Default or Termination Notice subject to the terms of the agreements.   4. The debt was assigned to the claimant on XX/XX/2013, with a notice provided to the Defendant. A new master reference number XXX was also applied upon assignment 5. The claimant has complied with the Pre Action Protocol for Debt claims.   What is the total value of the claim? £10,100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent to my home address   Did you inform the claimant of your change of address? No, I have never heard of Erudio before I received this claim form.  I did notify The Student Loans Company Ltd about my address change though. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student Loans   When did you enter into the original agreement before or after April 2007 ? Before.   Do you recall how you entered into the agreement...On line /In branch/By post ? I think I signed the forms in person, although it would have been about 25 years ago so I can't be positive.   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. It says that the debt was assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I have never received any notice of assignment   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I always returned Deferrment notices to The Student Loans Company as I never earned enough to have to start repaying these loans. I still haven't. But the SLC stopped sending deferment notices to me, and in fact stopped sending anything to me. I don't know when the last time I had any communication from them.   What was the date of your last payment? I've never paid     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge    Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not   This is for a huge amount of money, and I've never heard of Erudio before I received this. I do sometimes have problems with my post at my home address.  I really appreciate all help that anyone can give with this. My ideal outcome on this would be that they drop the court action and I send them Deferment notices for the future.
    • Hi Andy,   We were never notified with regards to this holiday no communication after they went into Admin. last week was the first time we heard anything at all and it was from RC themselves. I called them last night and explained everything and it looks like everything going to be okay we will only  lose the deposit which is a small price to pay I guess compared to £2000 I will update if I hear any more.   thank you Hb and Andy both for your  help   regards otb
    • yep, the UK is a bumpy twisty crowded ISLAND whos layout and transport infrastructure is best suited to Sea and Road. The rivers are generally to narrow and shallow, let alone steep, and the flat plains are simply to small and crowded to house a big rail system like Europe, China, India, Africa, Australia ............   So its smaller lots via road or ship em to the nearest port   Our railways are narrow and a bit cramped because they NEED to be. Canals were our infrastructure   When putting in just a couple hundred miles of track disrupts half the country for a decade or more, and costs a not so small nations national debt - its the wrong choice.
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Thewigster

Misread Sign and Napier FCN received - civic drive ipswich

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this is PP for the development and includes lighting but not the signage added later by the parking cowboys.

 

 

They will have to had separate permission once the place was up and running.

 

This seems to be a point that many people are missing and that includes most councils.

 

 

Just because somehting can be free and isnt enforced doesnt mean you can ignore the law or it hasnt been broken.

 

 

Most motorists speed for a short while and never get caught but that hasnt changed the law on speeding to make it legal!

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Thanks for that Ericsbrother would you say it's a good idea to speak to the council then and and if pp was granted for the signage at a later date then ?

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you can ask them but the thing is that it is for the parking co to PROVE they have the right to offer contracts so if they dont have PP they are stuffed.

 

 

It is not for you to prove they are in the wrong but knowing whether they asked the council in the first place will be useful to know.

 

 

Dont get into a long discussion about "deemed consent" or the like, it is not applicable

but most councils have bigger things to fret over so say anything to close the enquiry

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i have the name and number of the chap who is in charge of planning etc ,

what do you suggest > leave it and see if Napier persue it ( which i expect they will ) or appeal it.

 

 

if i appeal it though ,

would the grounds be that i contest the charge based on the fact the signage is misleading due to not CLEARLY displaying the terms of the contract being offered ?

 

thanks again

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in these matters you make them do the work.

 

 

Most people who come here in a pickle are in that position because they hurried things in the vain hope that decency would prevail then it never does.

 

 

By all means ask the council bod about it but dont spend for ever worrying if they say somehting like it isnt needed because the law as written says it does but there are no real penalites for not complying.

 

As for the parking co,

yes, I would make them do the running and when it looks like it is getting critical let them know that you are no pushover and create that paper trail that lets them know that you arent burying your head in the sand.

 

 

To contact them first will make them think that you are minded to pay up if they try a little harder so they will.

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