Thanks for assistance.

Thanks for response. It says I cant name a third party. Does this mean that I cant name British Gas in my Notice of Correction?

For past 15 years I have had a very, very good credit rating and record. Mortgage has been repaid in full and never missed a payment. Have lived in my house for 10 years and its now owned outright. Have had some small loans but all paid off on time. I have a few credit cards but I pay as I spend and never had a late payment. I check my record every few months and there is never a problem. To my surprise I recently applied to upgrade an Amex card where I do most of my card spending. I was refused. On investigation I have noticed that British Gas have marked me as late payment of £930 for last three months. About 18 months ago I moved from British Gas to N Power and there was a dispute. I used to pay by direct debit. Now its possible that I could owe them £50/£100 but I have queried the bill and requested clarification. British Gas has recently passed this matter to a debt collection company and I have been harassed. I have written back and advised of the dispute and they have responded advising that Br Gas will contact me. My question is what should I do about my credit file? Thanks

Any advice please? Have issued a claim for £4.8k. Case allocated to Small Claims Track after I requested and defendent both stated in allocation questionaire. Defendant isntructed a large firm of solictors and then made application to court to have the case 1) struck out or 2) moved to Multi Track. Judge stayed case and pending Mediation or Office of Independent Arbitration but the later was not possible as we only wanted to go this route on basis of both parties bearing own costs and defendants want about £9k in costs. Judge did not have the case strcuk out. Am thinking of discontinuing as defendent wants case moved to Multi Track and have said it will cost me £3ok - £40k if I lose. Solictor now states CPR ( Rule 38.6) that “a claimant who discontinues is liable for the costs which a defendant against whom the claimant discontinues incurred on or before the date on which notice of discontinuance was served on the defendant”. These costs would need to be agreed, and if agreement could not be reached then they would be assessed by the Court. As I said case is in Small Claims Track. I thought that provided my case is reasonable the most I can lose on solioctors fees is £80.00 I do feel I have a fair case but not 100% certain I can win. I would just like some advice on implications if I give up now (which is not my preferred route).

1. Is it possible to claim back money on an old credit card? I have a few old cards (10/12 years old) which I paid back in full last year. and 2. Whats stop someone with an old credit card and with a zero balance creating new debt and then applying for it to be written off as unenforceable.

I agree with the above reasons why the NTO is invalid. Out of interest on the parking issue could you not argue the alighting exemption?

If it was a Council PCN it would invalidate the PCN. However, in your case if the company wanted to go to court and issued the summons they could ammend the address in their summons. Its irrelevant as they have no case against you. This company have not suffered a financial loss due to your actions. I have had a couple of invoices from these companes and so have friends and familiy. I have corresponded on one occasion for my daughter (where they gave up) but in all other cases I have said ignore and after the 5 or 6 nasty letters they have gone away.

What J.Gilbert says above is correct. The most important point being do not pay. Some people do not respond at all and some do. My view is that is that the best option is to ignore and put up with a few threatening letters.

Its best to ignore and not engage them in correspondence. Read the private parking threads. Your case is relaly no difference to any other case. Just expect to recieve around 7 letters. Just file and keep. Only respond if they issue court summons but that I cant see happening.

I read your defence and it looks very good. You have the right cases for the Hearing and it would be a good idea if this gets to Court (my guess is that they will back down close to the Hearing date) for you to get some basic details of the case law you have referred to for the Judge. Also, you should get photos of the signs in the car park. Clearly,you never saw the signs. Double yellow lines in a private car park mean nothing. Key part of your defence is that the hosiptal have not suffered any financial loss.

If you can support your expenses then the Court will back you. In this instance the Council's option is only to apply to the Court to have the Summons set aside. It will cost them more to do that then pay the judgement. My guess is that they will pay you.

Hector. 1. Read the threads on Private Parking. They are unforceable. 2.My daughter and 3 of her friends have recieved "invoices" from MET 3. Best to ignore and not to worry. Please do not pay one penny. After a while (about 6 or 7 letters) they will go away.

I am sorry and I know how you feel because I lost in Court (thread on Pepipoo site) with a similar case. I claimed restitution. I was helped by the legal experts and produced three cases (High Court, Court of Appeal and House of Lords) toprove that I was entitled to restitution. I was against TFL who never even turned up. I was called in early and told by the judge that I had no case and that my case would be dismissed. I replied that I should be given the right to put forward my case. The judge said give me an example and I tried to read out one of the High Court cases where it was held that restitution was possible. The judge was just not interested and told me that I should have taken my case to the High Court. I know other people who have one at County Court. Problem is its a lottery. My guess is that the Judge feels that he would be opening a can of worms by giving us restitution but I feel that we are entitled to just that. I did not appeal (on a point of law) mainly due to being very busy with my work at this time.

my daughter and three of my sons friends have had tickets (they are just invoices) from MET. You have two options but the bottom line is that the invoices issued by MET are not lawful and neither will they be enforced in court. Its normally best just to ignore. That is what 3 of my sons friends did. They recieved about 7 letters over a period of 9 months each letter wanted more money. They have now given up and stopped. The best thing for you to do would be to keep the letters and not respond. You would only need to respond if they issued a countycourt summons against you. I dont think anyone has heard of MET issuing a summons. My daughter decided to write back and there was threatening corrrespondence from MET. She wrote to the landlords and The Brewery (who did nothing) and there was an exchange of about 8 emails between my daughter and MET. She told them that she would not pay one penny and that if they thought they were correct then they sould sue her. They have now gone away as she has not heard from them for about 4 months. Dont pay them a penny!

I have not heard anything for a few weeks following the exchange of Emails with MET. My daughters friend had one of the "invoices" two weeks ago and he is going to ignore totally.