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    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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    • Well done.   Please let us know how it goes or come back with any questions. HB
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Attachment of Earnings RBS MINT Card


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Hi,

 

Firstly thanks for the great site i am awaiting my information from Halifax, HSBC and more

 

I had a letter from allied international credit uk ltd based in glasgow saying i had to pay my £3170 immediatley which i owe to Mint due to me not maintaining the payments after being unemployed for 7 months. The original debt was through Moorcroft and they have sent it to these people as i missed 1 payment of £80 which i informed them of.

 

I phoned Allied international and spoke to Mr iqbal on their number and he has advised me that they will instruct their solicitors to investigate into my mortgage company to see how much equity we have and also go for an attachment of earnings, i asked if they have bought the debt of RBS mint and they said no. Can this company do this?

 

I have tried to phone Mint customer services but they are closed at the weekend!!!!!!:x

 

Can someone advise me what i can do as i am feeling the stress of being unemployed for 7 months.

 

i have now got a job and am paying debt off now.

 

I estimate that over 6 years the banks proberly owe me around £30,000 which would be such a relief

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Speak to a trained debt counsellor - these people will be able to offer a great deal of info on your debt, your options, and your best way forward.

 

Consumer Credit Counselling Service Freephone 0800 138 1111

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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thanks for that i will call them monday, i have never really been in that much debt until i was unemployed and now things are just mad. Hopefully getting charges back of the banks will help me out

 

thanks again, have you heard what the consumer credit counselling services are like?

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I have personal experience of them, and I would never hesitate to promote them. They are impartial, non judgemental and very helpful.

 

I've yet to hear a bad word about them!

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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hi,

 

thanks for that again, can you explain what the actually do then or should i wait for an email from them?

 

I presume from the above that you emailed them? If so, I'm sure that they will be in touch shortly, but you can call them free on Monday.

 

They basically offer free advice about anything debt related, to anyone in debt.

 

Once you have explained your predicament, they will advise you on your options. It is then up to you what you do with that information. They will not, as far as I know, offer any advice on dealing with your bank charges- you will get that help here though...

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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the bank charges i am doing on my own, i just need advice off them as to what to do about this collection company in scotland. They havent bought the Debt off mint as i asked them this mint still own the debt. If this is the case can this company seek what equity i have in the house and can they get an attachment of earnings?

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In theory, even a small debt, unsecured, could eventually lead to the worst case scenario. However, getting to that point would involve the debtor either refusing to make a payment, or totally ignoring every effort to negotiate a deal, including many court processes.

 

Since that is not the case here, the outcome is likely to follow the following route (I am presuming that this debt is not secured against your property??) and also, bear in mind that my knowledge of Scottish law / regulations in particularly weak - but I imagine that the overall routine is somewhat similar...

 

The company now dealing with the debt asks for the money to be repaid

 

You presumably can't do this, and with help from someone like the CCCS, you produce an income/expenditure sheet that shows what precisely you can afford.

 

You then make those payments (even if this is rejected by the agency)

 

The agency may tell you that they will proceed with court action, however this is unlikely, since a court will only be able to make you pay what you can afford, and since the spreadsheet you have produced with CCCS will show it, the court is very unlikely to say different. With this in mind, the court would not be best pleased with the agency for wasting their time.

I'm not too sure, but it could be that the court make a record of this, effectively binding you to this agreement (in England, this would be akin to a CCJ - County Court Judgement).

 

So long as you stick to this payment plan, however it is reached, there should be no further action taken. At regular intervals (possibly as far as a year apart) you would be expected to update the figures on the spreadsheet, and certainly if your circumstances changed (for better or worse) then you should change it anyway and alter payments accordingly... although small differences would not matter, I'm talking more of substantial wage increases, or loss of employment etc.

 

The agency should be willing to reduce or stop interest (clearly stopping is preferrable here) as it would be likely that a court would ask for this. If payments are very low, and they insist on keeping interest going at full rate, then you might be "better off" letting them take you to court. The CCCS will explain further.

 

You would continue paying small amounts if circumstances don't change, and after some time the agency may swap to another to try a new approach, or may offer reduced settlement figures. A long running, reduced payment plan could be settled as low as 15 or 20%, but might normally be initially offered at 50 - 60% of the debt. There are no 'rules' on this though, it all depends how lucky you are.

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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thanks for the info. The debt agency is in scotland but i am in the uk (somerset)

 

one thing i dont want is a CCJ against my name as this will screw things up for the next 6 - 7 years

 

it just frustrates me how i told mint that i was unemployed and they werent willing to help and then when i starting paying the other debt collectors i missed one payment and they sent it to this other parasite company

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Ahh, if you are in England then the above is fine. I wrongly presumed you were in Scotland, where different rules can apply. Not that I'm in anyway knowledgable about UK law, you understand!!:D

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Just a quick reminder to everyone on the forum regarding CCCS.

 

They do provide a free service but are funded soley by, yes you guessed the banks.

 

The banks set up CCCS as an alternative to the Citizens Advice Bureau ,because the banks thought CAB were being too difficult and didn't agree with the banks view of the world and recovery procedure.

 

You decide.

RBOS - £1435.00 LBA - 2/5/06 - rtn date 6/07 -hearing 13./07 Settled 1st claim of £740 + costs in full.

 

Abbey - £1525.00 LBA- 8/5/06

 

Clydesdale -£1738.10 - LBA 16/06/06

"that will be my money, non?"

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CCCS is funded and supported entirely by the credit industry, not simply banks.

 

CCCS provides its services totally free to consumers - an an impartial way, without being prejudiced by that funding.

 

I think it is extremely unfair to paint a picture of them as being in the banks pocket!

 

I have used their services in the past and they were an absolute godsend - never once did they make any kind of suggestion that any bank, or other financial organisation, should take preferrence in payments, and overall gave us the best and clearest advice possible.

 

Specifically, in relation to our Halifax bank account that was £750 in arrears, they advised us to 'walk away from it' and offer a minimal payment of £1 per month - there's little that they can do at that stage!

 

Hardly the actions of an organisation that might be a bit too close to banks!

 

I don't want this issue to hijack the thread, so if there are further comments to be made on the subject, let's have a new thread started please.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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CCCS is funded and supported entirely by the credit industry, not simply banks.

 

CCCS provides its services totally free to consumers - an an impartial way, without being prejudiced by that funding.

 

I think it is extremely unfair to paint a picture of them as being in the banks pocket!

 

I have used their services in the past and they were an absolute godsend - never once did they make any kind of suggestion that any bank, or other financial organisation, should take preferrence in payments, and overall gave us the best and clearest advice possible.

 

Specifically, in relation to our Halifax bank account that was £750 in arrears, they advised us to 'walk away from it' and offer a minimal payment of £1 per month - there's little that they can do at that stage!

 

Hardly the actions of an organisation that might be a bit too close to banks!

 

I don't want this issue to hijack the thread, so if there are further comments to be made on the subject, let's have a new thread started please.

 

Pleased to hear that is your experience J2B - its just I was around at the birth of CCCS and that was the original idea , IMHO and experience, of course.

 

Yes your right , a discussion for another time and place. Just delete my post if you think it's a diversion.

RBOS - £1435.00 LBA - 2/5/06 - rtn date 6/07 -hearing 13./07 Settled 1st claim of £740 + costs in full.

 

Abbey - £1525.00 LBA- 8/5/06

 

Clydesdale -£1738.10 - LBA 16/06/06

"that will be my money, non?"

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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