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  • mystery1's Avatar
    26th March 2017, 23:10:PM
    Well if she really knows that that's a pity. Most people assume it was them. Could be argued that it's a trifling matter (de minimis) if it ever got to court but i think we'll put it to bed at popla, providing you keep the drivers identity from them...
    6 replies | 63 view(s)
  • mystery1's Avatar
    26th March 2017, 23:07:PM
    I would reply something like Dear Parking Eye, I write in response to your letter before action dated xx, the contents of which are noted. As the pre action protocols expect us to exchange sufficient information to understand each others...
    4 replies | 54 view(s)
  • lizzyann13's Avatar
    26th March 2017, 22:59:PM
    lizzyann13 replied to a thread lizzyann13 in Welcome Forum
    Nothing as my offer was refused by the council as they wanted £100 a month and i am on a state pension and have to pay full rent and council tax while awaiting results of appeal. They refused an IVA also i am on a low income so i would have had...
    2 replies | 110 view(s)
  • mystery1's Avatar
    26th March 2017, 22:56:PM
    I would ignore but try to ascertain why you never got the popla code. (ignore mickey mouse letters, not a court claim) M1
    30 replies | 276 view(s)
  • suzysue's Avatar
    26th March 2017, 22:40:PM
    I am not spooking anyone, i am simply giving advice for the op. That advice is that he should contact cabot for proof that cabot have authority to collect the debt that has not been paid. Sending a £1 for that info suggests that the account is still...
    25 replies | 202 view(s)
  • LynPeters's Avatar
    26th March 2017, 22:32:PM
    Hi. Can anyone give me an email address of tsb bank customer services. I'm looking for account numbers dating back to the 1980's. Many thanks. Lyn
    0 replies | 9 view(s)
  • Diana M's Avatar
    26th March 2017, 22:30:PM
    Golly you make that sound so simplistic. I've just spent three days in court where the Judge took the view that although there was a contract it was irredeemably unenforceable. The creditor did not win. This meant the claim of £71k (including...
    25 replies | 202 view(s)
  • suzysue's Avatar
    26th March 2017, 22:21:PM
    Subsection (1) does not apply to— (a) an agreement under which no sum is, or will or may become, payable by the debtor, or (b) a request made less than one month after a previous request under that subsection relating to the same agreement was...
    25 replies | 202 view(s)
  • suzysue's Avatar
    26th March 2017, 22:17:PM
    There is an application for a loan, that loan is agreed and becomes a regulated agreement on a running account. The creditor has a duty to give debtor information on that running account. Debtor fails to pay agreed amount every month and eventually...
    25 replies | 202 view(s)
  • skudpgsp's Avatar
    26th March 2017, 22:10:PM
    ????????????????????????????????????????????????????????J?????????????????????????????????????????????puma????????????????????????????????????????????????????puma?????????????????????????????????? ??puma...
    0 replies | 10 view(s)
  • pt2537's Avatar
    26th March 2017, 22:09:PM
    pt2537 replied to a thread Cabot and Restons CCJ in Welcome Forum
    nope,and er nope, because im afraid that this line of argument is manifestly wrong, the FCA take the same view too by the way. You seem to be suggesting the Rankine v Amex position suggested by HHJ Simon Brown, the problem is of course, the...
    25 replies | 202 view(s)
  • suzysue's Avatar
    26th March 2017, 22:05:PM
    Your loan is a running account agreement and creditor has a duty to give info on that account. Get in debt for non payment and eventually the running account will be cancelled due to dishonouring your contract. That is why i say ask for proof of...
    25 replies | 202 view(s)
  • Diana M's Avatar
    26th March 2017, 22:02:PM
    Unless I'm wrong the OP says this was a fixed term loan which would (should) have been regulated under section 77 CCA not section 78? See my post # 16 Di
    25 replies | 202 view(s)
  • suzysue's Avatar
    26th March 2017, 21:54:PM
    Yes i do understand legislation.....the agreement is cancelled s78 does not apply to a non running regulated agreement. Will i now recieve an appology or will the post be deleted?
    25 replies | 202 view(s)
  • james9's Avatar
    26th March 2017, 21:48:PM
    Hey guys, Thanks for the continued support, I just wanted to make it clear as I really glanced over it: She couldn't pay for the ticket via the faulty machine, so instead before leaving she paid for her ticket via her mobile phone online, her...
    6 replies | 63 view(s)
  • Blackbertie's Avatar
    26th March 2017, 21:32:PM
    Hi thank you for your reply. I placed the insurance through One Call who are brokers . We were on automatic renewal for the insurance and they were going to renew it for us which we agreed to . one Call tried to take payment but due to a...
    2 replies | 77 view(s)
  • pt2537's Avatar
    26th March 2017, 21:22:PM
    pt2537 replied to a thread Cabot and Restons CCJ in Welcome Forum
    Right, this is becoming very silly, you suggest you understand the legislation then make ridiculous comments which suggest you do not. There are many reasons an agreement can be declared unenforceable, for example a breach of s78 CCA 1974, or a...
    25 replies | 202 view(s)
  • ostell's Avatar
    26th March 2017, 21:13:PM
    Received more than 14 days after the event then the keeper is no longer liable, only the driver who they do not know.
    4 replies | 54 view(s)
  • Diana M's Avatar
    26th March 2017, 21:12:PM
    You are not being presumptuous asking for advice and you have not misused this service. The forum is here to help members such as you who have received court claims. I support the forum's objective. Let's see where we go from here :) Di
    25 replies | 202 view(s)
  • Diana M's Avatar
    26th March 2017, 21:05:PM
    I'll be happy to answer that question in due course. You say the loan was taken out in 2005. What was the term of the loan (expiry date) if it had run it's natural length? This may be relevant to your potential Statute Barred argument. At...
    25 replies | 202 view(s)
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