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    • one was missed but it was paid, but because i asked for help they informed me that they would have to put a mark on my credit file, but never stopped taking payments, never gave the refund, and now all these letters and emails, just after advise before i make the call, have had a look through some of the files, but can't seem to find anything other than the guidance to record, i only went to V12 because i was getting nowhere with AO and as its still on credit i was informed to contact V12 who would go to AO, i was getting chemotherapy and was getting no help from UC and was trying to balance everything out best i could, payed off another loan i had with them, but never earned anything last year    
    • Hi. I would say they're out of time, as you said. Let's see what the guys say.   HB
    • 1 Date of the infringement ● 28th Dec 2019   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] [scan up BOTHSIDES as ONE PDF- follow the upload guide] ● 20th Jan 2020 (i do not have a scanner)   3 Date received  ●23rd Jan 2020   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] ●No   5 Is there any photographic evidence of the event? ●Yes   6 Have you appealed? [Y/N?] post up your appeal] Have you had a response? [Y/N?] post it up ●No   7 Who is the parking company? ●Met parking services   8. Where exactly [carpark name and town] Brocklebank retail park,SE7 7SE (London)   For either option, does it say which appeals body they operate under. ● They state that they are a creditor and i must appeal to them in the first instance, failing that, then i can appeal to POPLA (IAS)   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE ●IAS   If you have received any other correspondence, please mention it here ●No, just recieved notice to registered keeper today (23rd January 2020)
    • tv arrived faulty, and kept getting messed around by AO.com then told to contact lg while it was still under warranty, lines were busy was given the option of leaving a message which i did took 10 days for the return call by this time warranty expired, i then contacted AO again who offered to pay half the bill, which i found unacceptable, then tv developed lines down the screen, i would have not been bothered but it was £1500 and expected better than that, it was also not used that often, so i contacted V12 to make a complaint under the consumer credit, then came back saying Ao.com said they had received only a few emails, no mention of all the calls also made where they made this offer, and V12 are in favour of AO, and referred me to the fos, then i have just discovered the other problem with v12 as mentioned above   
    • Hi   Just had a visit from a HCEO over a water debt that went to court and a CCJ was awareded.   Initial debt was £715,45 as of Nov 2019   17th December the debt has risen to £933.20 with Compliance Fee of £90 7 Jan 2020 Debt risen to £1154.50 apparently a visit, but no paperwork was left.   Paperwork left today £1750.94   Not my debt - partners debt   They did not come in.   Initially when I found it was passed to Marstons, I called anglian water asking them to transfer it back and I would settle the balance, they said they couldent.   Do they ever pass it back to the creditor? How long will this take?   Are the fee correct as not had a breakdown.   Suggestions on what to do?  
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