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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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Emma vs Student Loans Company


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Talked to a nice person at the SLC (a miracle in itself).

 

My accounts have manager's notes all over them saying don't phone until "the matters are resolved).

 

judgment in two days.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Dont forget that judgement is at the Court's discretion, as this will probably be classed as unliquidated, the Court may decide that this needs to go before a judge. If they fail to enter a defence though, they will not have any right to put their case before him/her.

 

But you will. This is good.

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I am a happy bunny.:D

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I would still be happy!

 

There's nothing I enjoy more than a tussle with the SLC. Makes you feel alive.;)

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Surprise- TWO identical letters from Hamish Macleod, one recorded and one first class. Perhaps I put the ***** up them.

 

They will remove the charges from my account and send me a cheque for the interest.

 

I'm pondering the wording/conditions they have attached. More info later.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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And WHY can't these solicitors get account numbers right? Is there some sort of problem which means they HAVE to get the account numbers wrong on their grovelling letters?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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:D

 

Jayzyz- every flippin' time. Just shows SLC's numptietude.

 

Sorted.

 

Just email the muppet responsible to point out their error. You could point out that you are aware that this "administrative errorr" appears to be standard behaviour. Was it Stephanie Lynn or Laura Packitinoviwitch?

 

They wont settle until the hearing date is almost upon them, so dont expect a fast resolution, but hey- it means they cant hassle you again.

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  • 2 weeks later...

Stephanie Lynn- I've sent her a nice letter saying thanks, here are the correct loan numbers and I'll stop my court action after I've got the cheque.

 

Got their defense from the court- sorry, INCOMPLETE defense. They sent the defense form, stating the defense was on an attached sheet, but didn't include any sheet! The court are aware of their further incompetence.:mad:

 

At least they have managed to set up my three year deferment, finally!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Now I've rerceived another letter from Stephanie Lyn, enclosing a copy of the previous letter, telling me to get in touch with SLC to accept their offer.

 

I've already sent a letter to Ms Lynn- she can tell them I have accepted. I'm not ringing anyone else.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Send the bitch an email putting her in the picture.

 

Youre not wasting any more time or money on her client.

 

You are calling the shots here- if SLC want to avoid a close encounter with a judge they can damn well do what YOU tell them to.

 

See how even now, they think they can call the shots?

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Emma,

 

Personally Im quite happy for them to do nothing up to 8 April. I hope they arent now looking for my paperwork too:wink:

 

Lets get this right,......and I have asked un1boy to clarify his statement last night because there is no basis for what he said about all student loans not being covered by the CCA. We know that to be untrue. With both our cases they are in default great! our position is stronger. But not the strongest it can be. If they are in default they can still produce the document after say 12 wds + 1 calander month (-1 day) then they would no longer be in default and payments would have to start again. What I want is form them not to pass me the details and break the law, then my position goes from strong (whilst in default) to practically untouchable!!!!!

in my eyes the very least getting your debt wiped out and with a good clam on all payments made so far.

 

Gooders

 

I have just noticed this - I clarified the statement to you after you made your request. It is certain agreements after a certain date that aren't covered, I think you misinterpreted what I was saying and I don't think you re-posted my explanation.

 

I don't apreciate having comments made like, "there is no basis for what I said" and then not following it up with my explanation. Don't get me wrong, I don't mind being corrected and I am always the first to admit when I am wrong.

 

Just don't make comments like that about people and then not follow it up with their response.

 

 

I am really glad to see that you guys are finally getting somewhere with the SLC - it's about time!! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Its ok, un1boy, everyone knows what you meant. The early agreements are subject to the CCA, but then the agreements changed so they are no longer CCA applicable.

 

Sometimes people get a bit heated, probably because so much time, money and stress is involved. But we all respect each others opinions, as we would get nowhere without everyones help and input.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Its ok, un1boy, everyone knows what you meant. The early agreements are subject to the CCA, but then the agreements changed so they are no longer CCA applicable.

 

Sometimes people get a bit heated, probably because so much time, money and stress is involved. But we all respect each others opinions, as we would get nowhere without everyones help and input.

 

Thanks for your post. It's all good, don't worry.

 

I am really pleased that you have got this settlement now!! :)

  • Haha 1

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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I am waiting until its in my hand before I'm happy. We all know how incompetent the SLC can be!

 

But thanks.:)

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Absolutely, emma.

 

Dont do anything to let them off the hook until the cheque is cashed and you have everything else you want in writing.

 

I would be inclined to ignore any more bull****e from that bitch in Glasgow, her "clients" know where they stand well enough.

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I've sent her an email to confirm she has the letter- it was sent recorded delivery anyway, so I know she has.

 

I'd be surprised if I get any response....

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I ended up phoning SLC, to find out what is going on- they actually managed to be MORE useless and stupid than usual. Asking me questions, telling me I had a deferment "IS THAT THE CREDIT YOU ARE EXPECTING?"

 

No mate- thats a deferment, not a credit.

 

Anyway, so I rang Stephanie Lynn, who seems to be well aware of the SLC level of competance, just unable to say so as they're a client.

 

So my credit/payment are held up because the SLC are saying that the wrong account number is correct, not the real account number, which I have corrected by post/is on the loan agreement and every piece of correspondence they've ever sent me.

 

Just when you think their incompetence can't get any worse, they show you a new low.....:mad:

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I've only just got the AQ through, to return early next week, so no date as yet, noomill060.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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  • 1 month later...

Well, after much toing and froing, I finally got my cheque through last week- SO A BIG WIN FOR ME!!!!!!!!!

 

Good luck everyone- I'll be back on the forum properly in the next couple of weeks. I've been fixing the house and garden up, so I'm rushed off my feet, but it will be over soon.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Well doen Emma - hubby and I are still waiting for an enforceable CCA from them.

 

They keep passing onto debt collectors who soon disappear when we tell them what is going on.

 

Oh, how we laugh!

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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