Hi I got a PCN code 40 for parking in a disabled persons bay which i did not know was there as you will see from uploaded pictures the bay was not clearly marked, i challenged the ticket and lancashire county council disagreed and have refused the request to cancel the ticket, i explained that i would never knowingly park in a disabled bay and that the road marking are barely visible, it as fell on deaf ears and a notice to owner is to be sent. the council said that the road markings dont need to be there as a post sign was there this was 2 spaces down i did not see this sign at the time or even notice the markings, any help. Thanks pixs .pdf

no its a new issue im going to email you

hi dx100uk thanks for yur patience i will send them that way, its all chinese to me pdf etc havnt got a clue

ok is there a way to upload via samsung phone its all a bit complcated thanks

Hi how do I upload pics with my post

Thanks ThedaBara did you send HSBC the SAR, did you have all original paper work or did you source it from HSBC

big thanks ill keep everyone in the picture

Ok thanks

Not heard anything since

Hello I'm not sure where to start Way back in Feb 1987 I took a mortgage out with the then midland bank now hsbc. I was told I had to take ppi with them or I would not be granted the mortgage. I do not have any paper work from then who do I contact in the 1st instance

Ok thanks I'll keep you informed

Should I just ignore it or contact them still asking for more info they may not even have original paperwork

Yorkshire Bank Payee Jeremy suttcliffe

dx100uk hi the client on letter is MCE portfolio Ltd These are not on original ccj

Hello again just an update on this thread Just recieved letter from mortimers it just has a imcome and expenditure form I requested they send more detailed information about this debt and ccj but they have not dx100uk i will check when im home who their client is and i dont recall having any assignment letter but i must have had to set up the direct debit i think

A big thanks to all the replys on here feeling better, the debt chasers terrorise people

yorkshire bank and original sols and payee was jeremy sutcliffe

I've requested more info from them Yes the name in 2003 is different from who I pay now I don't know when or how this came about

I changed banks 6 month ago and forgot to reset direct debit. I had made monthly £1 payments since Feb 2003 Hi dx100uk thanks for the reply I've found original ccj the name for payment is different I don't remember changing this .it was Feb 2003 I have made all payments up until late March this year when I changed banks and forgot to reset direct debit. It does say "if an acceptable payment offer is not made, an application for a charging order WILL be made in order to secure the above judgement debt against your property and if awarded, may affect your ability to remortgage or sell your property. Mortimer clarke solicitors are the firm sending this. I have asked them to send more details of this

the ccj in my name the house and mortgage in both our names

Yeah it's the threat of court action and a charge putting on house.with not much equity could they force to sell it, i paid the ccj for over 10 years but just forgot when I changed banks do I send off the income and expenditure form off when it comes

Hi I've received a letter threatening me with a charging order if satisfactory payment proposal is not made within 7 days. This relates to a ccj that was made against me over 10 years ago I was ordered to pay £1 per month but when I changed banks I forgot to reset a direct debit. I have rang them requesting more info about this they said I've missed the last 6 payments and said the debt is for 3k and will post the details to me holding my account for 2 weeks. It is quite threatening saying if not paid or an acceptable and sustainable offer not made a charging order will be made it also offers the client may accept a reduced offer. I do not have the means to pay in full, or what would be a reduced offer what would that be I could pay more monthly but not much, the debt is from 1997 the court order made in 2003

hi are there any templates for a letter, do i reject the car under consumer act or credit act or can i have repairs done and bill the seller, what i will find difficult is take the vehicle back down due to personal, work and holiday commitments for at least 4 weeks. thanks

Thanks Conniff and bank fodder for the advice very much appreciated

well a good 9 month and no more threats