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    • as you have appealed you have lost certain protections in law but that doesnt change the law of contract. if you live close to the site or visit there can you please take some pictures of the car park entrance, any signs there and any signs inside the car park plus more importantly pictures of the offending payment machine. You can pretend to enter something to show what you can and cant see to highlight the problem and use this stick of their to beat them with. They dont ahve a hope in hell in enforcing this  but being  a buch of litigious and greedy cowboys they will, unjfortunately not see reason. what did their rejecton letter say? No IPC member ever accepts an appeal and nor do the IAS, they are not honest brokers so dotn be put off by this. Please redact any personal information and that will include car reg and any reference numbers, bar codes QR codes etc   If you still have the ticket even better as it show that you paid and then any other demand they make as a condition of parking is of no real consequence
    • Have had phone contact from the court. Judge has sent a court date of mid August, as he wants to see how to proceed in light of the "mystery" discontinuation form. As far as I'm aware, he requires all to attend on the date. I do need to double check the attendance requirements though, as I'm not at home to see the actual letter notification.
    • One from the newspapers, a motorist who took time to change his baby's nappy before feeding the meter at Sutton Harbour, Plymouth was sued by Britannia parking but the judge threw out the claim becuse "neither the sign or the small print made it sufficiently clear that the time started when entering the car park". Now as usual the paper refers to a "fine" and  it has been commented on before by judges tht the clock doesnt start when you enter the car park but should only take into account the actual parking period and hence the MINIMUM 10 minute grace period. So peeps, look at the wording fo the signage and if there isnt a clear definition of the grace period no binding contract! Will they change their ANPR systems to reflect this? Of course not, the majority of people will pay up even though the charge is unlawful.
    • yous is the reason already there
    • Purely out of curiosity, if I don't pay and go to court will the fine be more if i'm found guilty?   
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

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OK,  I understand what you mean now - I think offering £115 is fine - that would mean you wold clear the arrears in less than a year,  quite acceptable.

 

I will draft a letter for  you in the morning as I have to go out shortly.


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Thankyou very much Ellen u had ne worried for a minute speak tomorrow so you think I have every chance if getting it suspended again them

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Had a letter from Halifax today saying were taking possession of your home you will receive an evection notice shortly etc and to make sure we find somewhere else to live do u think its nesseasary for me to go to the council to inform them or do u think I should wait till we apply to the court when the notice comes through dnt want to be in a mess with no where to go if u think we stand a chance of keeping our home should I need to go to council

Oh and it also says to remove all our belonging lsd before the eviction date getting worried

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Hi Draft letter affixed.   you need to put your address at the top, the lenders name & address under the date and also put in the mortgage account no

.

You should send these letters by Special Delivery and keep the postal receipts  so you can check on royalmail website to print of proof they received them.

 

Send one copy of the letter to Halifax  (make sure you have the right department) and one copy to the solicitors with a covering letter as below: (your address, their address and mortgage account no as the other letter - then put:

 

 

Please find enclosed copy of a letter send to your Client Halifax Building Society.

 

Yours faithfully,

 

 

XXXX

 

 

Enc.

Tash 1990 Letter.doc

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I really don't think you will lose your home for the sake of £1,000 of arrears which can be cleared in less than 12 months.    Send the letters I've posted above and wait and see if an eviction notice appears - we can then defend that in court.   Make sure you send by Special Delivery by 1pm   so they definitely get them tomorrow (I'm afraid it will cost £5 per letter but worth it  as it may stop them issuing an eviction notice)


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Thanks Ellen will get that sorted tomorrow 

 

Not going to have time today as got to go to library to get them printed and I'm at work till 8 tonight just dnt like the thought of being out on the streets with 2 children thanks for being so understanding 

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Make sure you take a couple of photocopies of the letters in case we need them for court.


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Okay will do will get then printed iofand sent by the end of the week I'm working till Friday now so will try my best before hand when I spoke to Halifax on the phone they said the eviction notice wouldn't come to the house till at least the 28th may as they have to wait 14 days ir something  so still have 6 days to get them sent hoping to get em printed if tomorrow hun so will send them Thursday or Friday chic x 

Wasnt gonna be working but they have asked me to do some extra shifts 

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Should I email then aswell or just post just incase 

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I've sent letters of recorded delivery this morning and also got receipt kept 2 copies to x

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OK,  keep the copy letters and receipts in a safe place - best to get a file/folder to keep everything in and in date order - then you will have everything together if we have to go to court.   If you can print out the CAG budget you did sheet at some time it would be helpful to keep in the file - it will be needed for a court pack.

 

You say you've sent them recorded (not Special Delivery) ?    they may not get them by the end of the week and recorded don't always get signed for but SD does, helpful if you need to prove they got them.


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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The women on desk said they should get them by tomorrow I have receipt with proof of sending with there address and postcode on for both yes I will get the cag budget sheet printed of just wanted to get letters sent would have cost me nearly 15 pound to get them sd didn't have the money on me at the time hopefully they will get them in time if not I have proof of sending them to show court that i did try

She also said they would have to sign for them she put the sign stickers on them anyway

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OK,  fingers crossed they receive them quickly.  If you wait a few days yu can check on the royal mail website to check they have signed for them.  You can then print out the proof and keep with the letters etc.


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Ok thanks just hope all this is worth it cnt help but worry I'll loose my home x

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Had eviction date through it's the 13th June so still plenty of time to ask for hearing 

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OK,  let's see if they reply to your letters.   If nothing by next Tuesday we'll start to draft your application for a hearing.  do you have a printer at home ?  you'll need to print out quite a few things


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No but can print at library it's only 10p a print ok

 

I'm hoping they will reply to letters as could do without the stress of court fingers crossed will get it suspened again getting scary now making my self worry

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Tracked my letters the solicitors have received theirs just got to wait for Halifax to get theirs hopefully tomorrow now they have signed for it anyway

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They have now both been delivered and signed for so hopeful here something tomorrow if not Tuesday xx

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Also had evection notice from bailiff for the 13th June to my partner thinks we will get evicted because luckk never goes his way I'm hoping we can win this for the sake of my kids and possibly relationship xx really stressing now xx

Just worried we will have no where to live do u honestly think it will go that far 

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Stick with Ell-enn's advice, Tash. If you have a read around the repos forum, she's saved a lot of people from being evicted. I expect she'll reply to this when she's able to. :)

 

HB


Illegitimi non carborundum

 

 

 

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Okay thankyou I have every faith In Ellen it's just worrying when get the letters especially with 2 little ones to think of makes u feel like u have failed them xx I'm just hoping our luck changes xx

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Hi, my laptop isn't working so I'm using my IPad at moment  till I can get it fixed but I expect it will be after bank holiday.  However I can reply to your posts.

I don't think for a moment you will lose your home for arrears of just £1000. We can't do anything till Tuesday anyway and I will be back at work and able to use computer there.

Try to stay positive, you'll be ok


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Ok thankyou Ellen I am staying positive it's just my fella that's worrying as it's the kids home xx

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