Announcements
-
-
Tweets
-
Posts
-
Hi everyone, Help! I’ve just received a Claim Form from the County Court regarding a PCN issued originally in 8th February 2018 by Defence Systems Ltd. To my recollection I have never received any fine letters. It states the PCN was issued because I was parked in a disabled bay at my local retail park. It states the original fine of £100 wasn't paid and now have a County court letter to pay a £315 fine. The letter was issued 9th Aug but have just returned from holiday today so have 7 days left to figure out what I do. Any advice would be greatly appreciated.
-
I received a phone call from the ombudsman service today. It appears CT have said they will not agree for them to investigate the case due to the time frame being over six years. I pointed out that CT had for six years noted the account on the credit file as 'settled' and then changed it in 2019 to 'late' each month, therefore I had no reason to commence a complaint against them, but did so the moment I saw the updated information from settled to late, she agreed and said even if CT still objected to the ombudsman investigating the case, it was within her power to enforce the investigation and proceed with it. It appears the first problem I have is overcoming CT's opinion that the ombudsman can't investigate it due to the time limit, but I am confident I can now overcome that due to having screenshots of the credit file to show they did have 'settled' status noted on the credit file for six years. My suspicions were right, they were playing a waiting game for the clock to run down.
-
its in this thread too.
-
In light of Dixons update on his thread, does this mean that I am now further ahead in the process now?
-
I have received a claim for repossession of my property due to mounting arrears £30,197 and failure to pay the current monthly repayment £2289. Since receiving the court order (Court appearance is set for 11Oct ) I have secured a new job (contracting -Self Employed) which will allow me to pay the monthly repayment and the arrears which is the threshold payment of £2439 pm. I have spoken to the bank previously re options available ie switching to an interest only mortgage for a couple of years etc so that I could repay the arrears they refused this. I have also discussed using my future pensions (current value £600k) though this is not available for another 2 years again refused. I have been in contact on 9/8 with Ascent (the banks solicitors) and discussed the situation with them, went through a budget review, including the fact i was starting a new job the following day and that I'd only be paid monthly, they asked if I could make the monthly payment £2289 on the due date 2nd of each month, I told them no because I'm only paid mid month they said they would take note of this potential payment agreement & If I could contact them mid month sept and possibly we could come to an agreement with option to put an SOP. I told them other options left to me would be to sell my property which would mean upheaval of the family but would be better than the repossession, they said this is not something they would want us to pursue - I don't see an option I would rather pay them their 300k mortgage and take the 600k equity. wife is totally against selling but i don't have many options - Any Advice welcome I am completing the court claim forms online, there is a section, Have you paid any money to your mortgage lender since the claim was issued? I have entered the total amount as it won't allow me to state 3 payments I made over different dates - is this ok ? Have you come to any agreement with your mortgage lender about repaying the arrears since the claim was issued? I have said no as yet due to an agreement can't be made until I call mid sept but i calculate that i would be able to pay the 2289.17 and the Additional £150.04 in monthly arrears until the end of the mortgage term (13 years) any advice? completed the budget including debt loans etc which is all straight forward. in the section Circumstances which have led to your being in arrears i have stated Loss of employment- mental health affected wanted to commit suicide sought help from GP, avoided Medication .Unemployed for 1 year- all my savings 23k used to pay household Bills & Mortgage. Became self-employed started contracting ie xxxxxx plc, xxxxxx plc, employment affected by Coronovirus (Covid-19) Affected work options took employment during pandemic with NHS , have continued to take employment further afield from home i.e. county of xxxxx, county of xxxxxxxx , in order to obtain a higher salary to meet financial obligations. Assisting one child in University. Family stress has been influential on Marriage separation. any further advice would be helpful trying to seek legal advice before i click on Statement of truth
-
-
Recommended Topics
-
Our picks
-
Contacting loved ones in Ukraine
45002 posted a topic in Telecoms - mobile or fixed,
Contacting loved ones in Ukraine. https://www.consumeractiongroup.co.uk/topic/446558-contacting-loved-ones-in-ukraine/&do=findComment&comment=5156526-
-
- 0 replies
-
-
Post in Hermes parcels scandal continues - plus Times Radio interview audio file
BankFodder posted a post in a topic,
- Jenny Kleeman and Luke Jones with Times Radio Breakfast Times Radio The Times and The Sunday Times.mp3
-
-
Post in Hermes parcels scandal continues - plus Times Radio interview audio file
BankFodder posted a post in a topic,
- Jenny Kleeman and Luke Jones with Times Radio Breakfast Times Radio The Times and The Sunday Times.mp3
-
-
Buy a homeless person Christmas Dinner - Social Bite
stu007 posted a topic in Homelessness,
Buy a homeless person Christmas Dinner - Social Bite. https://www.consumeractiongroup.co.uk/topic/443900-buy-a-homeless-person-christmas-dinner-social-bite/&do=findComment&comment=5145464-
-
- 0 replies
-
-
-
Recommended Topics
GroupNexus/Reef Parking ANPR PCN - Westgate Shopping Park, Basildon, Essex
style="text-align: center;">
Thread Locked
because no one has posted on it for the last 174 days.
If you need to add something to this thread then
Please click the "Report " link
at the bottom of one of the posts.
If you want to post a new story then
Please
Start your own new thread
That way you will attract more attention to your story and get more visitors and more help
Thanks
-
Recently Browsing 0 Caggers
- No registered users viewing this page.
-
Have we helped you ...?
Recommended Posts