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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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jshtr3 v Lloyds TSB **WON** (no, really!)


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And I've removed the *WON* from the thread title!:(

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Cheers guys. Haven't had much time this weekendso haven't been able to do much but I'll ring [problem] (BAHH HUMBUG) in the morning and see what they have to say and start doing some reading on the way forward.

 

And I've removed the *WON* from the thread title

It appears that fate was very tempted Gary!!!!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi jsht,

 

you poor love come on lets have a cuddle :)

 

I had a cheque once from Lloyd's that was dishonoured it was the GWP for £750, it's not nice, don't you just feel like slapping them.:D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Cheers pen, There's nothing like a minute in the bosom of a friendly woman to make a man feel better. Can I get out now? It's dark in here!;) As for slapping them. Yes I am going to slap them, with a winding up petition. High court here I come:eek:

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi calm1. My records are in secure storage (smells like something to me) and will take up to 72 hours to retrieve. So in answer to your question, not very well. Have a feeling they'll start taking otice of me soon though!!!

How's you?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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I must be honest, the fact that this is back on has really perked me up - winding up petition - what fun!!!!!:D

 

I am sorry that you have had to go through this, but b***** me, it is so interesting.;)

 

72 hours - my a***:rolleyes:

 

I guess I will have to wait a bit longer for my new bell.:(

 

I have just started a claim for a friend - she'll be peeved by what has happened today.

 

I'll bet you are chuffed to know you will get yours, whatever - I do feel for those in the pipeline (but very pleased for you). Can I come to the bank when they wind the B******* up please?

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Don't worry. I have a bell here for you already. Every one comes with a free ring ding!!! And yes, you can be there when I wind them up:)

 

Trust me, The highlights are more interesting than the reality. Look here for the sleep inducing stuff Dealing with Debt - How to Wind up a Company that owes you Money

 

I really am starting to wonder if I will get my money. It's like being on an escalator that goes into reverse just as you're stepping off. I know they have to pay in the end but this has been going on since christmas! Every time I think about it I'm reminded of a terrible DOLLAR song!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Tee hee!

 

I love the escalator!:D

 

Pleased to hear my bell comes with a free ring ding..........

 

Mr Sheen is waiting impaSHiently!

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You are close now, very close. They can raise no defence and this next bit is going to be fun...

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Lets hope I don't dissapoint anyone then. A bit aprehensive but looking forward to it all. By the time they've got my info out of the vault I may have left them a letter on a radiator (cos you can do that apparently:) )

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Thanks dolly, That means a lot;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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what dollar song, i'm not old enough to remember that one, how does it go. what about " I'm still waiting" by Diana Ross, I can remember that one

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen, Dollar song was "never ending story" but "I'm still waiting" also works.:) Maybe a thread in the bear garden should be "songs that remind you of your bank charges claim" and could include such gems as........

 

One hand in my pocket - Alanis Morissette

Took out a loan - Black Rebel Motorcycle Club

Wages Day - Deacon Blue

 

and my personal favourite.......

 

Money for Nothing - Dire Straits

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Morning all

They have finally settled. Paid the money into my account by bank transfer last wednesday, just been too busy to post on here. Thanks to everyone who helped out over the last few days, particularly Hagen. And thanks to CAG for all the support and advice. I'm off to donate now cos I know they can't bounce a bank transfer (or can they?)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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At last, CONGRATULATIONS :D

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Congrats!! (again!):D

 

I still think you should make a noise about this - to the press, etc. The way they have acted is shocking beyond belief, even by their standards!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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well done,

about time as well they took long enough.

 

pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Congratulations - AGAIN!!!! Saying that it's really p***** me off becuase I wanted to see you wind them up! They have acted appallingly, I am moving my account as soon as I have enough to pay off my loan. After 22 years with em - Bas-turds.....................

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Hi Calm,

just out of interest have you tried getting all your statements re 22 yrs from them. and if so what was the outcome??? I am in court on monday re SAR so i just hope the judge orders them to give me them, then it will be fun.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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