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    • for the sake of history, i've merged your old sadly failed charges reclaim court claim. have they ever sent you a default notice regarding this mortgage? dx  
    • I am financially at  point where I can see the light at the end of the tunnel regarding my debts. I have one remaining and I am interested to see what my options could be. I have be in contact with the Citizen’s Advice Bureau and the National Debt Helpline, but their advice has been a little more generic (but still helpful). This debt is 12 years old and is now owing around £3k. It was a bank loan and has been passed to several creditors over the years. A payment plan has always been in place and is up to date. I get statements every 6 months. There has never been a CCJ. I have been sent the letters advising of change of ownership. Following my own review of my finances, I decided to contact the current creditor to see if they have a copy of the credit agreement. I regarded this as due diligence as the debt has been sold on several times. The creditor updated me several times saying they had requested the document from the original lender. After 12 months of this they wrote to me saying they had not received it but were still waiting and would send it once received. The last letter was over 6 months ago. I then submitted a freedom of information request to the current and original creditor. The original creditor supplied one, but the current one did not include one in the pack they sent me. I went back to them to ask specifically about this as it was what I requested in my request. They replied saying the debt was sold to them as one without the credit agreement and they did not have it. They have requested it above, so I believe that means they cannot obtain it either for the FOI request. I contacted the original creditor and exercised my ‘right to be forgotten’, under the Data Protection Act, which they have complied with. I also got my up to date credit file and this debt is not showing on it with the current creditor or any others. I contacted the creditor and made them an early settlement offer. They do have an early settlement offer in place on their portal, but I was advised to try to get a reduction via negotiation. I have not heard back from them yet, but I understand through a separate upheld compliant it has or will be refused. Due to this complaint and the creditor putting the account on hold I had stopped payments, and advised them of this. To date, they have not contacted me about resuming payments since the complaint is resolved, but it has only been a few weeks. I am annoyed that they were not honest with me about not having the credit agreement, because that is not being transparent and I understood they should tell you if they do not have it.   I have two questions (but am open to anything else anyone would like to add): 1) Based on the above, does anyone think this account enforceable? I do not think it is? 2) Does anyone have any suggestions on how to proceed? I could resume payments and then settle early. If the above had not happened, I may have just done that. Thank you for any help or input anyone can provide. It is appreciated.
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52m - failing to comply with a prohibition on certain types of vehicles (motor vehicles)


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Greetings.. hoped I wouldn't have to come back so soon... cant say I have ever seen this sign before.. and the driver obviously didn't realise... not really clear.. .. not sure if there is a challenge here.. your opinion is valued as usual...

 

Might be a challenge to get this one revoked..

 

https://www.guardian-series.co.uk/news/14440294.mother-of-four-threatens-court-over-unfair-fines/

 

https://google.info/forums/forum/google-consumer-forums/welcome-forum/78743-penalty-charge-notice?view=stream

 

 

Cavendish Avenue - Redbridge_0001.pdf Penalty Charge Notice.pdf

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There have been 102 cases decided at London Tribunals for this location of which only 17 were allowed.

 

this is one based on lack of advanced warning signs and confusing no through road sign:

 
Quote

 

Case reference 2200530286

 

I am dealing with an appeal against a penalty charge notices (PCN) issued in respect of alleged contraventions in Cavendish Avenue. It is said the appellant’s vehicle was traveling in a section of road where restrictions were in force.

The Authority relies on CCTV footage that shows the appellant’s vehicle driving into a part of Cavendish Avenue where it says the restrictions in force were indicted by warning signs on either side of the road. The Authority says all the signs are clear and comply with statutory requirements. The CCTV evidence shows the appellant’s vehicle pass through what appears to be a part time gate which is open and past the signs at the entrance to the restricted part of Cavendish Avenue. The Authority says that the signs were adequate to warn the reasonable motorist.

No evidence of any advance warning signs were provided by the Authority. However the appellant provided pictures of a dead end sign, which is situated at the entrance to Cavendish Avenue. He says that the dead end sign is confusing because it does not warn motorists that vehicles are not permitted into part of the road ahead. I agree. A dead end sign is not the same as a no entry sign. The appellant also says that by the time the motorist gets to the restricted part of the road it is too late to take in the signs and they are committed to entering the restricted part of the road.

Having looked carefully at the CCTV evidence and the appellant’s photographs I am not satisfied that in the absence of adequate evidence of a clear warning sign, motorists would have time to read and take in the signs at the entrance to the restricted part of the road before finding themselves committed to entering the restricted part of the road. I am therefore not satisfied the Authority has shown that adequate signage was in place or that a contravention has occurred.

 

 

 

 

At various other entrances, Vernon Ave, Forest Approiach, St AlbansRd there are large advanced warning sins such as here:

https://goo.gl/maps/5Lufnm8YBy87BPYd7

 

There is no similar sign at Chateris Road

 

Edited by Michael Browne
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Entirely your decision, it's your  money,

. If it were me, I'd take it all the way to adjudication, even though it's a gamble (£130 or nothing) based on the lack of advanced warning sign at Charteris road when there are signs at all the other possible entrances at Churchfields , St Albans Road, Forest Approach and Vernon Avenue. Plus the point about the confusing dead end sign as the adjudicator mentions in the case above.

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