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    • Hi All. My other halfs car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online.   She then cancelled her road tax at the end of March (i think) as she was paying by DD. Unfortunately, as we where travelling we missed all the post until last week. We recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i dug out the documents and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
    • you made it very confusing, though i doubt any of it was ever read by the delivery franchise for DPD. your saving grace might well be you didn't select your own address (though if you are all the same postcode..??) and neither mentioned a safe space other than another neighbour. but with the actual delivery address on the parcel, it appears the driver had a choice of 3 addresses, all under the same post code with differing house numbers. so chose the label one but left it on your doorstep. play it carefully and along with the photo and the retailers requirement you should be ok.   dx  
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Unknown Vets CCJ - Now HCEO and Debt collector writing to me at work


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Good morning All

 

I have come into my office this morning and sat on my desk (marked private and confidential) but that is a matter for me to deal with, is a letter to me from E Baring and Co regarding and Judgement and Warrant for the disputed vet bill.

 

One of the paragraphs which I find particularly concerning is:-

 

The judgement has been registered in the Register of Judgements, Orders and Fines and cannot be removed until the Judgement is discharged in full. This Judgement will be registered against you for a period of six years unless paid in full. We are sure you will appreciate the implications of having a Judgement registered against you and the possible impediment with regards to seeking employment and obtaining credit in the future'.

 

In a nutshell they are looking to seek an attachment of earnings.

 

I am mortified so much so that I feel like handing in my notice at my job (I have been here 5 years).

 

Is there anything I can do?

 

Thanking you in advance.

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J E Baring & Co are a firm of Solicitors, not a DCA that come under FCA rules. DCA's are not allowed to contact people at their place of work, if the debtor has not agreed to this and the debt is not related to the company they work for. Solicitors have no such requirement and will write to the place of work, if the debtor has not provided a current private residential address.

 

What you can do.

 

Phone the Northampton County Court Bulk Centre using the numbers contained in the auto link. They will provide the CCJ details, so you know when the claim was issued, which address it was sent, what the particulars of claim were, the amount of judgement and the date of judgement.

 

Once you have those details come back here with it.

 

The claimant was entitled to send the court claim to your last known residential address and then chase it up where you work. They would not send the court claim to your work address, as the claim did not relate to your employers work. The CCJ had to be registered against a private address you have provided.

 

The next step is whether you arrange to pay the CCJ or apply to have it set aside with reasons for defence. But get the CCJ details from the court first.

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you could have prevented all this if you'd acted as advised in june.

so what did you do...bury your head hoping it would go away?

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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Thread moved to General Legal Issues Forum.

 

Regards

 

Andy

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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It is for advice Deb, just some won't take action on the advice they're given.

 

Hope your OP went well and your recovery is going well?

 

How far have you got with exposing the vets, and the fact they don't hold a credit licence?

Did you sign the agreement they emailed?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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good reason for a set aside then.

now you've just got to counter the debt issue..

 

go ring northants bulk

ask for a copy of the CCJ and the claimform by email pdf

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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Brilliant thank you. I will now I am finally back at work (god knows how long the letter had sat there as they had sent it to our accountants first) oh the shame.

 

I will get onto this.

 

As for the credit agreement from the vet there was none and none signed.

 

I was sent a link to a loan company which would lend me the money to pay the vet until the insurance paid out.

 

I am not even sure they should be suggesting this especially with someone who is an emotionally fragile state with a very sick horse.

 

Not fair at all on people.

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They are NOT supposed to mention this, hence why you should report them for doing so.

 

I would also be making a formal complain to the VETS regarding this matter, and informing them you are seeking legal advice, with a view of taking them to court and suing them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi

 

What can I sue them for?

 

Offering me the services of a loan company so that they can be paid?

 

The letter to the accountants was addressed to me but not marked private and confidential.

 

Should I contact the solicitors in the meantime?

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lets assemble the info

 

love to see what their POC said...

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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