Hi Michael Vehicle is owned by my Wife all Docs in her name

Hi Been issued a PCN for using a bus lane. The date of detection was 22/12/21 , date of notice and posting was 31/1/22. Am i right in assuming i can refuse payment on the grounds that the notice had to be served within 28 days of the date of detection ? Any help would be appreciated

Hi Roie Firstly, which lender have you tried ?

Signed

Sqx , Sorry to say the Merry-go-round is something you will have to put up with until they comr up with a valid agreement or the 6 yrs are up Manc1

Banks Have The Gov By The Balls ,shocking To See What Has Happened!!!

Palomino, Thank you

22601, damn difficult to get old defaults wiped off

georgie2404, without sounding rude ,your thread is a bit confusing?. 1 Have you received a true copy of agreement or not 2 Is the agreed payment plan with reliable collections ,if yes then how have simplybe added 10% to it. It would help all if you organised it a bit Manc1

22601, Being on the voters roll is vital ,so do not understand what your broker is talking about? ,So get on it Manc1

Hence , if the council are chasing me for business rates that were due for the year 2004,would that mean that in Feb 2010 they are passed the 6 yr term and can not get a liability order. I am assuming that the rates for the year become" DUE" at the beginning of each year, so 2004 rates were due in Jan04 and in Feb 2010 it becomes 6 yrs. Am i right in my thinking ? Manc1

THEY ALSO DO WORK FOR MBNA Manc1

Hi All, I was a tenant in a office uptill sept 04 .I left the said premises paid all my final utilities bills etc .Today i received a letter from the local council saying that i owed £4000 in business rates for Jan04 till june 05 relating to the said premises and threatining Bailiffs .My questions are a) Can i send them a SAR b) How far back can they chase debts for?( 6 YRS ? ) Stupid thing is i have thrown away all docs relating to the premises ie final electricity bills ,water rates , Phone bills , all of these would proof that i had left the premises. Any help gratefully received Manc1

R B , Reson for the question is that some overdrafts are not covered by the CCA , i suggest you have a look at this thread http://www.consumeractiongroup.co.uk/forum/legal-issues/192486-court-claim-o-draft.html. I will investigate further and see how we can tackle the problem manc1

Good question RB 1968 When was the over draft put on your account,or when did you sign for it Manc1

RB 1968, Whilst i hav not been on the forum for some time i am of the opinion you need to have a red of the thread Getting Them To Reveal Their Vitals. Using CPR 31.14 to Your Advantage. Very informative and will help you in your personal situation where the enemy is not revealing a copy of said agreement Manchester1

Sorry guys i hope i am not going over a old story ?. Due to bad health i have not been on the forum for a while ,so might be a tad behind with the latest events. Manc1

Its best to wait for some of the more legal bods to give us their opinions before we start assuming anything. Manc1

Yes Guys

Hi All, I have just read the Daily Mail,and in their Money mail section page 48 and its haedline says "JUDGE CLOSES CYNICAL DEBT LOOPHOLE" AND IT GOES ON TO STATE THAT THE COMMERCIAL COURTS HAVE COME BACK AND GIVEN A DECISION IN FAVOUR OF THE BANKS.SO NO AGREEMENTS OR UNENFORCEABLE AGREEMENTS DEBTOR AS TO PAY. Sorry but scanner not working. Manc1

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r&b , from my experiance of getting a ccj set aside, the onus is on them to provide a enforceable agreement ,and if they cannot provide a true copy of the said CCA then the judge should be motivated to set aside ccj. I think you should be working on argument to prove no docs. Manc1

Andydd , Would be helpful if you can find the thread relating to service charges, i am having probs with my managment company ,they have added large fees onto our account. Manc1

Thanks peter , i will have alook at section 60 and 127(3) of the act and see how to go forward, might need your help to come upto speed with section 60. Manc1

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