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    • OK thanks, I noted them down when I checked the report - 3 have already expired, although if I'm adding the 14 days on then it'll be another week or so for those. The others are; end of July (so into August is that right?), end of August (these two are the big ones) and a couple of grand on Shop Direct at the end of November but seeing as this furthest one is Lowell and they have already missed those first 3 then I feel pretty safe with that one. Are these DN dates on the credit report that dates I should be looking at +14 days when their anniversaries come up this year as the time when I can be sure the debts are SB?  I won't be rushing to send the SB letters anyway until the final one has passed and I can just do them in one fell swoop.
    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
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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..



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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


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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




and the more detailed government guidance here




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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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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