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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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planning permission for skateboard ramp dispute


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Ive built a skateboard ramp for my son in the back garden, because of my neighbour on are left complained evan though she can't see or hear the ramp in use the council have said it has to be removed because its a raised platform and i should of got planning permission,

There is no platforms on the top either end.

Can i dispute the councils decision have it removed in court? ,what are my options?,the neighbour to are right agrees that it makes no noise and they can't see it.

the ramp at its highest point(the vertical bit) is 6.5 feet no higher than any of my neighbours out buildings.The flat part is only 6 inches of the ground.

The kent county council have given me 3 months to remove it or there starting court action,

A childs trampoline would have far more impact on are neighbours.

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raised platofrms only need permission if theyre above a certain height. Otherwise the council would mean that all sheds etc with a flat top need permission.

 

Can i ask if the council has actually been to see it? Or are they just going by neighbours reports?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Hi thanks for the reply,

Yes the council has been round,im afraid it didn't go well and it ended with me telling them to leave.

when they looked at it it did have to raised platforms either end ,they call these parts the deck .

in hindsight i didn't realise that my son going on top of the deck ends would cause a problem ,the council pointed out that these were raised platforms so i removed them both ends so now there is no platform either end.

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Well the council has seen and given their view. Sadly by you arguing, to them it would seem that you did it knowingly without permission and then wilfully refused to remove it, even going as far as becoming argumentitive/violent etc.

 

They have to apply the rules fairly, so its either take it down or face them in court.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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No i did it unknowingly,

and removed it as soon as they explained in the letter about the raised platforms, also i asked them what modifications i could do to the ramp so it could stay,

i also asked them what size ramp you could have in a uk back garden without planning permission,

they didn't respond, it quite clearly states in the gov appeal notes that the council must give you advice about modification and work with me to find a solution which they have not.

What im asking is is there interpretation of the law or is it fact.

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Have a look at this summary of planning law

 

https://www.planningportal.co.uk/info/200130/common_projects/43/outbuildings

 

and the more detailed government guidance here

 

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/606669/170405_Householder_Technical_Guidance__-April_2017_FINAL.pdf

 

It says that "verandas, balconies or raised platforms" require planning permission if the raised platform is more than 0.3 metres high. So that's presumably why your planning officer said it needed planning permission. Comparison with the height of sheds or garages isn't relevant as they are covered by different rules about their maximum height. This is just what I've found for you in 5 minutes online research, I have no special experience of this. I don't know why the rules for the maximum height for raised platforms are different from sheds. My guess is it's about neighbours' gardens being overlooked. People stand on "verandas, balconies or raised platforms" but not (usually!) on shed roofs.

 

They've told you they want the raised platforms removed within 3 months. Contact them and tell them what you've done and invite them to return and re-inspect the ramp as it is now and let you know if it meets their requirements. If they still say it needs planning permission you will be armed with the information on the Planning Portal link and ask them under which section your ramp is not a "permitted development"? [A "permitted development" is something you can build that does not require planning permission]

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Hi

they want me to remove the whole ramp i removed the top decks as soon as they said they were the problem, no one has ever been up there, we asked the neighbour if my son could go up there ,she said no so we never allowed him up there.

evan though ive removed the top decks they still say its a raised platform,

ive invited them round to view it ive also asked them what i can do to make it legal in there eyes and ive also asked them what size ramp is legal in a uk garden without planning permission,

they've failed to reply,

i have tried looking it up but failed ,i shall try again and do what you've suggested.

thanks for your help.

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An alternative approach could be to apply for planning permission and if refused appeal on the basis that the structure as it now exists is not a "raised platform" and so is a permitted development. As far as I know (but I haven't checked this) there is no charge to you either to apply for planning permission or to make an appeal.

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