Thanks for the response dx... Unfortunately i have a large mortgage which it's fixed rate expires next year so i cannot afford to have defaults on my credit file. I understand if my f&f proposal is accepted it would show as partially settled.

Yes they are still owed by original creditors. Three of the cards were taken out in 2020. Whilst I have had one from my bank over 10years. Before lockdown I had zero creditcard debts.

Hi I want to make a full and final settlement to 4 creditors I owe £40k+ in creditcard debt. These were accumulated during the covid period and I have been paying minimum amount and its no longer feasible. .A family member is offering to help me settle these debts. Has anyone successfully offered a f&f settlement and can share the template they used obviously taking out any PII info. Any helpful advice greatly appreciated

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Hi. I have received a N279 Notice of Discontinuance from DCB Legal N279.p65_Redacted.pdf

Thanks.. One more question.. I got this address from the ICO website. Can i use it? Data controller: Highview Parking Limited Address: 10 Flask Walk London NW3 1HE Other names: HIGHVIEW

Thanks.. got it.. Is a utility bill good as prove of identity/ address

Hi.. I could not find any template on the SAR page.. Can i use this.. Your full address] [Phone number] [The date] [Name and address of the organisation] Dear Sir or Madam Subject access request ( Data Protection Act 2018 / General Data Protection Regulations (GDPR) ) [Your full name and address, any previous address/names and any other details to help identify you and the data you want.] Please supply the data about me that I am entitled to under data protection law relating to myself. Please find a copy of my Utility bill to confirm my address. If you need any more data from me to confirm my identity please let me know as soon as possible. It may be helpful for you to know that data protection law requires you to respond to a request for data within one calendar month. If you do not normally deal with these requests, please pass this letter to your Data Protection Officer, or relevant staff member. If you need advice on dealing with this request, the Information Commissioner’s Office can assist you. Its website is ico.org.uk or it can be contacted on 0303 123 1113. Yours faithfully

Pls is there a SAR template that i can use

No reply to CPR request

This was my defence. The Defendant contends that the particulars of claim are vague and generic in nature which fails to comply with CPR 16.4. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. The Defendant admits to being the registered keeper of the vehicle at that time. 2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. I completed a N180 form

Yes i filed a defence against DCL

Hi, I got this reply from DCL as they have chosen to go to court. Is it worth having a talk with them about settlement? letter004_Redacted.pdf

will change it to easter

Hi all. Is this ok for a snotty letter to DCB. Is there a SAR request template i can use to send to UK Parking control. Thanks Your Reference No. xxxxxxx DEAR DCB, With regards your letter date 17/01/22. Thanks for the letter before claim. So you seem to think I owe you money? I had a great laugh at the idea you actually thought I'd take such nonsense seriously and pay you my hard earned cash. You see I know that your claim has no basis in law whatsoever. It's an obvious scare tactic or the junior you got to write the letter is thick as two short planks! So seeing as you now know that I know this, you have two options really. Your can either drop this hopeless case or we will go to court where I will embarrass you and also go for unreasonably high costs. It will be easy money for Christmas for the family and me. Full Name