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    • And with 33% equity nobody will care either.
    • 3 threads merged please keep to one thread.   forget the calendar section of a credit - no-one bar the original creditor and the person can see that   its the summary status line the any potential lender will only see.   so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.   although these will effect here potential 'score'. as said above only the lender and her can see them
    • I haven't had a chance to read through his contract yet but he is insisting that it says of he leaves his position within 2 years he will have to pay back his course fees. I will read it properly though and get back to you  Thanks for your help so far 
    • Hi all,   New to the forum, so please feel free to move the topic if needed.   I need a little help with a used car: I bought an 04 BMW from a dealer about 2.5 weeks ago. It cost £1,600. I gave it a test drive and it seemed pretty decent so paid via bank transfer and took it home. The issue started when I took it on a national speed limit road as the car started to sway on the road. I reported this to the dealer and he agreed to fix the issue. He took it to his mechanic who informed him that it was the drivers side hub. They didn't have time to fit it so gave me the part and the option to use a local mechanic. The mechanic agreed it would be causing the sway, charged me £80, which the dealer refunded to me.  The car was improved but we went on a short break over the last few days and I drove the car about 35 miles away. The issue now is there is a rumbling sound, noticeable on motorways and it doesn't feel particularly safe, especially over deviations in the road. As the swaying was the main issue I can't say if that rumbling was there to begin with.   The dealer has been fair to me so far in refunding me the money but he did admit he only test drove the car and it wasn't checked over fully when I took it back the first time. My mechanic said the play on hub was so bad it should never have been sold in that condition. I have messaged the dealer this evening explaining the issue but he has been a bit defensive saying the car does not have a warranty and he has already spent money on repairing it. He will need to speak to his manager and get back to me. To be fair to him he has attempted to repair it but for me he should never have sold it without it being mechanically checked over.  What do people make of this? What are my options if he won't budge and I need to take it further. I would like a refund rather than another repair as I feel I have been pretty patient so far. At the moment I have a car that isn't safe and I can't afford to take a £1,600 hit in my pocket.   Many thanks,   Mark.  
    • I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty. Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent. Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of. Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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        • Like
      • 16 replies
ats101

Notice of debt recovery OVER 5 YEARS after date of event

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Hello all, 

 

This forum is very informative.

I wonder if you can give me advice for the following fine I received.

 

I will give you a background story too.

 

A few years ago during a uni, I went through a phase where I got multiple private parking tickets,

one of the times was when there was a couple feet of snow an I couldn't move my car.

 

I got sick and tired of this.

I decided not to pay my fines because online there are sources which state that they won't chase you.

I was so naive back then and I ended up racking many parking tickets.

 

As you can imagine, I got a number of CCJs that I ignored.

As I said, I was naive and didn't have any idea that it would ultimately give me a bad credit rating - which it has.

Since realizing,  I have basically given in to paying all fines and my CCJs will clear in 2 years. 

 

There have been 2 or 3 parking fines that I have paid already that have come 4 years later and this one has come back 5 years later.

 

I want to know whether I should fight this given that I am unable to recall this incident and they have not given me photographic proof. 

 

How should I proceed? Your advice is appreciated. 

 

 

 

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Hello and welcome to CAG.

 

If it's a debt recovery letter we almost always say to ignore it. That bit about Channel5 looks designed to scare you into thinking DCBL are acting in another capacity which they wouldn't on a private parking charge.

 

Please wait for the experts but that's how I see it.

 

Best, HB


Illegitimi non carborundum

 

 

 

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images/posts removed
.
please do not post jpg picture images directly to a post
.
read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only

.
that way only logged-in,registered and approved caggers are the only ones that can download and see them
.
else anyone can see them caggers or not

 

………..

 

where does any of the paperwork or CCJ's state they are FINES?

 

you cant get a CCJ for a parking FINE, 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ok my bad,

 

Let me upload it the correct way. 

 

Also, I regards to my terminology, this debt recovery notice most likely originated from a Parking Charge Notice 5 years ago.

 

As I originally said, I have had many parking change notices that have  accumulated to a CCJ.

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removed

you must redact things properly.

 

carefully read Upload guide.

 

have you moved since getting this speculative invoice


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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