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    • Part of the POFA rules for creating a liability to pay a parking co is identifying the land they control so is there another palce of the incorrect name? If so then photographs of the other site will prove that your vehicle cnat possibly have been there as the images they will produce wont match the background etc. If however Bromhall developments is the name of their employer would the land in question be known by the same name for the entire development?   The POC is the usual rubbish and inaccurate one they cribbed from Gladstones so can be attacked in your outline defence.   Now I have googled Broomhall developments and they are an Irish Co that has bult a similar named housing estate in IRELAND. ther is also  a Broomhall gateway development plan for SCOTLAND but nothing in England, let alone Sheffield specifically   defence has to be in a fortnight after the deadline for the AOS assuming you get that in on time.   On google noseyneighbour I can see signs near to the parking bays that say permit holders only so unless you have a permit the signage doesnt apply to youas you would be prohibited fro parking there anyway. So with this in mind were you parked in a bay or on the road? Were you visiting or connected to the property that bay was allocated to and if so can you find out if the bay is part fo the property and noted in the deeds. If it is then it has nowt to do with VCS.   So you are going to grab some pictures and then you compare these to the web site of Broomhall development in ireland and that will be part fo your evidence   Also ask council when the Close was adopted by council as it appears to be a public highway
    • Ericsbrother   If I had the opportunity at the time I would have argued the value on the Court claim, however this wouldn't have changed by a significant amount.  So asking for it to be set aside is probably not going to end this in the long run.   No we don't owe any money to the business.   We have a good set of books and records.  No account filed as of yet.   The company is still 'active' on companies house and has not been dissolved.  We only received the Notice of enforcement a few days ago.       What makes you think they can force entry into a domestic property?      
    • Sorry but I think that it is rather precipitative giving advice – and rather over-generalised advice at that – until we understand more detail about the circumstances.
    • now the terms will specify that they can cancel if weather if bad etc and you have to accept that but by doing so they have to accept that the voucher's term is extended or they must refund for their failure to perform to the contract. essentially you should have asked for a refund on a no fly day and they would have to comply and by continuing to  accept things you were blindly accepting alterations to the original conrcat and that makes things more difficult. i would write again giving them 14 days to refund as they ahve filed to perform to their contractual obligations and then sue them if they still dont cough up. However, this meaqns you must follow through with the threat of cort action so before you start you need to read up on the relevant consumer legislation and also about performance of contracts
    • They say I was on Broomhall Developments, the car was parked on Broomspring Close.  S37XA
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Hi

 

Looking for some advice

 

I have been paying Stepchange for over a year now.

Various Credit Card + overdraft debts totalling just over £30k.

 

I will be hopefully in a position to clear them next year if I can get F&F acceptance at around 35%.

 

Should I also be seeking to obtain CCA's to see if the debts are enforceable and also look at unfair charges etc on the overdraft (Santander)

 

Also possible unfair charges on original account when it was A&L

 

The more I can reduce it down before I make any settlement offer the better really

 

thanks

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yes always

 

can you list your debts please

 

 

original creditor

type of credit

when taken out

who you pay now

outstanding sum

defaulted date


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Halifax Credit Card with Wescot £3967

 

Bank of Scotland Credit Card with Wescot £8580

 

Barclaycard Credit Card with PRA £7773

 

Virgin Money Credit Card with Intrum £6783

 

Creation Credit Card with Lowell £1657

 

Nationwide Credit Card £686

 

American Express with NCO £657

 

Santander Credit Card £562

 

Santander Credit Card £403

 

Santander overdraft with Wescot £1132

 

I am not sure of when these were taken out or what the default date is. What is the easiest way to find out?

 

Many thanks

Edited by danny1105

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credit file


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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halifax Credit Card with Wescot £3967 Taken out 03/04 Defaulted 23/05/2017

 

Bank of Scotland Credit Card with Wescot £8580 Taken out 12/2006 Defaulted 23/05/2017

 

Barclaycard Credit Card with PRA £7773 Taken out 06/2007 Defaulted 22/03/2017

 

Virgin Money Credit Card with Intrum £6783 Taken out 08/2011 Defaulted 17/07/2017

 

Creation Credit Card with Lowell £1657 Taken out 04/12 No default date on credit file

 

Nationwide Credit Card £686 Taken out 06/11 Default date 10/08/2017

 

American Express with NCO £657 Taken out 08/1996 Defaulted 10/04/2017

 

Santander Credit Card £562 Taken out 12/2006 Not down as defaulted

 

Santander Credit Card £403 Taken out 04/10 Not down as defaulted

 

Santander overdraft with Wescot £1132 Taken out 02/2005 Defaulted 05/06/2018

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halifax Credit Card with Wescot £3967 Taken out 03/04 Defaulted 23/05/2017 - sent OC a CCA request

Bank of Scotland Credit Card with Wescot £8580 Taken out 12/2006 Defaulted 23/05/2017 - sent OC a CCA request

 

 

Barclaycard Credit Card with PRA £7773 Taken out 06/2007 Defaulted 22/03/2017 - sent a CCA request

Virgin Money Credit Card with Intrum £6783 Taken out 08/2011 Defaulted 17/07/2017 - - sent a CCA request

 

 

Creation Credit Card with Lowell £1657 Taken out 04/12 No default date on credit file - sent a CCA request

 

 

Nationwide Credit Card £686 Taken out 06/11 Default date 10/08/2017 - sent a CCA request

 

 

American Express with NCO £657 Taken out 08/1996 Defaulted 10/04/2017 - who are NCO's clients?

 

 

Santander Credit Card £562 Taken out 12/2006 Not down as defaulted - sent a CCA request

 

 

Santander Credit Card £403 Taken out 04/10 Not down as defaulted - sent a CCA request

 

 

Santander overdraft with Wescot £1132 Taken out 02/2005 Defaulted 05/06/2018

send satans bank an sar .

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks will get all those sent out

 

Cant find any paperwork for the Amex / NCO card. Will have a further look. Credit file says American Express

Edited by danny1105

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NCO are arrows DCA

they NCO do chasing only they don't BUY debts [same as wetcloths]

 

so whom are the clients is important, I would suspect NCO are acting for Arrows and these have been sold too, thus the CCA would goto arrows.

 

wont hurt to ring stepchange and ask on both


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Could someone please let me know which section of the CCA applies to an overdraft please?

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We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

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Hi. I sent out my CCA letters. A couple have come back with copies of the signed agreements. For the ones that haven't or have sent a holding letter, could someone please refer me to the up to date follow up letter that I need to send

 

TIA

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for each CCA return

create a new topic in the forum named after the original creditor

scan up what the fleecers have sent back as an agreement and all its pages to ONE MULTIPAGE PDF

read upload

and attach that to your post in the new topic too.

 

any that have failed the 12+2 working days deadline you can cease pay if you wish until they do comply

there is no 'follow-up ' letter necessary they know the score

 

NO CCA = NO PAY.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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