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Showing results for tags 'issued'.
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Greetings I received a PCN for unloading my LGV in a loading bay. It was the normal of parking attendant viewed for 5 minutes, nothing happening, so issued the PCN. I wrote off to the Council highlighting the cases: Sprake - v - Tester (1955) 53 LGR 194 Richards - v - McKnight [1977] RTR 289 Bulman - v - Godbold [1981] RTR 242 Boulton - v - Pilkington [1981] RTR 87 Whiteside - v - Watson 1952 SLT 367 McLeod - v - Wojkowska 1963 SLT (Notes) 51 Holder - v - Walker [1964] Crim LR 61 Chafen - v - Another Supplement to the Justice of the Peace and Local Government Review 21st March 1970 Pratt - v - Hayward [1969] 3 All ER 1094 Funnell - v - Johnson [1962] Crim LR 488 Police - v - Hadelka [1963] Crim LR 706 Decision of a Stipendiary Magistrate sitting at North London Magistrates Court, Journal of Criminal Law Vol XVI No 3, 193 (1952) Decision of a Stipendiary Magistrate sitting at Clerkenwell Magistrates Court (102 SJ 358) (1958) Which covers and confirms that I was not mis-using the terms of the loading bay. The Council in question, responded by ignoring the above test cases and stating tha the onus is on me to prove that I was using the bay correctly. As far as I'm aware, the onus is on the Council to prove that I contravened the terms of the loading bay. Am I correct in this assumption?. Many thanks -
Hi, First time poster, long time lurker, so be gentle! My partner had an old mobile phone debt being chased by Lowell for 3 Mobile. I sent them the Prove it letter in 2011 back not acknowledging the debt and requesting the credit agreement. They sent back one page of an overdue mobile phone bill as proof. Nothing else. The debt would have become statute barred at the end of this month. Fast forward a few years, and it now turns out they issued a CCJ for £350 in January to an old address she has not lived at for 6/7 years, whilst sending threat-o-grams to our current address and our previous address to this one. She has had a letter from Bryan Carter Solicitors yesterday informing her that the CCJ is now in arrears of £150. This was the first we'd heard of any CCJ being issued, never mind arrears, and only today has it appeared on her Noddle credit report under her old address. We have heard nothing from the court at all, but thats understandable given they were provided the wrong address. The noddle report says its £350. They now want £350 for an original £70 debt, which was increased to £209 in 2011, and are adding on these CCJ arrears. My partner has no job (not claiming benefits), no property and no real items a bailiff could repossess. We rent and I own all the items in our flat. I know nothing about CCJ's but a quick google indicates we'd have to pay £155 to apply to have it set aside. They are demanding the CCJ arrears for £150 to be paid in full immediately. I don't know if this is Bryan Carter adding this on, or this is court ordered. We are not married but could they repossess my items as we share a home? What should we do now? Hopefully I've given enough details but please do ask if I've neglected to mention something. -
Name of the Claimant ? Cabot Financial UK Limited Date of issue – 13th April 2015. What is the claim for – The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and Peoples Bank dated on or about October 9th 2000 and assigned to the claimant on March 21st 2003. PARTICULARS a/c no 44************** DATE ITEM VALUE 26/03/15 Default Balance 2438.94 Post Refrl Cr NIL TOTAL 2438.94 What is the value of the claim? 2623.94 including all fees Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned, claim issued by debt purchaser. Were you aware the account had been assigned – did you receive a Notice of Assignment? Did not receive any NOS. Did you receive a Default Notice from the original creditor? Possibly but it was 15 years ago so can't remember. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes. Why did you cease payments? Financial difficulties. What was the date of your last payment? Unkown. Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No. I have submitted my AOS on the 16/04/15 and sent Cabot a CCA request with £1 payment. I know this was received but not heard anything back as of yet. I also sent Restons a CPR 31.14 request which was sent back to me as i had not signed it only printed my name. Is it required by law that A CPR 31.14 is signed?? was worried about the old copy and paste trick. Any advise on my next step would be greatly appreciated. Thanks Garry. -
I am just trying to get some information to help someone. Couple in their 60's sold their property on one of these sale and rent back schemes. They were told at the time that they could stay in the property for life. What they did not realise at the time was they signed an AST. They have now been issued with a section 21. Now the fun starts. The current owners have since confirmed in a text that they did say the tenants could stay for life, but then said that circumstances have now changed and they need to sell the property. - does this trump the Sect 21 The tenants have repeatedly requested a copy of the AST but the owners will not supply one. However tenants now found a copy that is not signed by the owners and the tenants signatures have not been witnessed. - is the AST valid When the tenants sold the property they did not get any legal advice so I assume that the purchasers may have used their own solicitor for everything - possible conflict of interest. The current owners have a mortgage on the property but I am aware that many BTL lenders do not allow a mortgage where the vendors stay in the property - possible mortgage fraud. Would a SAR to the owners/landlords force them to produce the AST they hold, they are not aware the tenants have found theirs. As usual all advice appreciated. -
Hi, last year I took out a payday loan with the company named "MyMate", unfortunately I got into a viscous payday cycle, and could not pay back. Since then, they changed names to "Different Money" and have tried contacting me, but only through either phone or email. Not physical letter what so ever. The phones I never answered, as it was numbers I did not recognize, and any txt they sent me would have come to my "spam" box on my phone. The same with my email. However, going through my email I noticed that different money had sent an email sending a "final warning" before sending it to their solicitors which they named "Alph Legal", I responded to that email saying it had appeared in my junk folder and did not notice it, but it was already too late, and I would have to talk to "Alph Legal". A few days later, I did get a letter, but not from Alph Legal, but from Douglas Wemyss Solictiors, they claimed an amount with the usual charges added, a nd said I should pay in full to avoid further charges or contact them within 14 days for reasons of non-payment. Which I did, it even provided me with a specific email address and not a phone number. However, I heard nothing in return. And now, I got a county court claim form from them. I talked to different money, and they happily set up a payment plan, but said they have accepted the payment plan, but it has to go through court most likely as it is with the solicitors now , and I would have to pay their fee..?? They are going to contact them tomorrow to clarify this, but surely this can be disputed right? First of all: They (Mymate/Different Money) never sent me a physical letter, only either email or phone. Surely you would send me letter if unsuccessful? Which means, I did not really have a chance to discuss this matter with them, I was not even aware that they had changed name! Second, the solictors did not get back to me, and I even sent a further email to them. Heard nothing. Different Money said they would check up on why this was, but still. Since they never responded, I assume my right and avoiding court could be within my rights here? They also have some really funny address on me, postcode is right, but wrong county and number on the road I'll be waiting to hear back from different money tomorrow, but if they say I HAVE to go through their solicitors, how do I proceed with this claim form? I don't want to pay their £60 court fee and £70 solcitors cost, and I also want to avoid a CCJ. Any advice please, I have 14 days left to respond to the court. -
My solicitor issued court proceedings against a builder. The builder did not acknowledge service so my solicitor applied for a default judgment. The Judge awarded a default judgment for an amount I overpaid the builder and made an order for a Schedule of Loss to be prepared and served on the court and the Defendant. The Defendant then had 14 days to respond to the Schedule of Loss otherwise the Judge ordered that the Defendant was de-barred from arguing any part of the Schedule or the amount. A date for a disposal hearing was also set. The Defendant did not respond to the Schedule of Loss. He then appointed another solicitor (he has been represented on and off in the last 18 months by 3 different solicitors) who asked for me to agree to set aside the first judgment. My solicitor refused and advised that if the Defendant was going to submit an application to have the first judgment set aside then this should be heard at the disposal hearing to save on costs. The Defendants solicitor waited until after office hours the evening before the Hearing and attempted to serve the Court and my Solicitor with a Defence, Counterclaim and Witness Statement. The Defendant failed to have the application stamped by the court and did not pay the court fee. However, a barrister was instructed by the Defendant. The Judge said he could not hear the Application to setaside the Judgment because the fee had not been paid and the documents had not been served properly. The Judge then ruled on a second Judgment in my favour. My barrister had to point out that a Part 36 offer had been put forward to the Defendant's then solicitor prior to court proceedings so the order was made plus costs. However, the Defendant's Barrister did not have any knowledge of the Part 36 offer and it was very clear that the Defendant's current solicitor had no idea either. Now I know that there is a possibility that the Defendant can submit an application to setaside both judgments. The first has a good chance of being granted because he is playing the failure to serve properly card (the court inputted the incorrect postcode on his papers - although the correct address). Obviously I can enforce judgment after 14 days but can only assume the Defendant will attempt to setaside both judgments in the meantime. I would like to know how the Part 36 will affect the outcome and if he applies to have the second judgment setaside what will happen. I have a copy of his documents and they are filled with lies many of which I can prove. What is also concerning is that the Solicitor has signed the Statement of Truth which I think is highly unusual. Any advice would be gratefully received if anyone has a similar experience. -
My wife has received a PCN from a Harrow Council civil enforcement officer, saying she was parked outside the parking bay markings where she parked. This was because a van had been parked similarly before the other drivers arrived and parked. The other drivers arriving to park were also having to park ouside their bay markings. None were grossly over their bay markings to take out a parking bay or to cause a danger to other drivers. Only my wife's car received a PCN. No video or photographic evidence is included with the Council's PCN record so there is no visual evidence from the Council to back up their officer's claim. My wife has a photo of another car similarly parked that did not have a PCN fixed to the windscreen and a witness statement confirming the details of the whole situation. What are the reasonable grounds for an appeal and is it likely that the PCN will be cancelled? -
I had a CCJ come through my mothers door (my care-of-address), last week. Something I knew nothing of whatsoever. I called the Court in Northampton who informed me it was taken out by solicitors acting for Lloyds bank and I had to contact the solicitors acting for them. I also told the Court I knew nothing of this action. It turns out the CCJ was for a default on an account held with Lloyds, and the default was in 2007. This is the first I have heard of any action taken by the bank, The judgement was for nearly £5000.00 which relates to an original overdraft I had with the bank for £1000. I'm devastated. I am currently in between homes, a recent split from a partner, so sofa surfing and now I have a CCJ to my name from a defaulted overdraft in 2007. Can I get this judgement squashed? Is the debt not statute barred? Its been what- 8 years since the account went into default.. And this is the first I have heard about it.. Please, can someone tell me what's what? Is it statute barred, can I reverse the order? Can my mother loose any of her belongings at my previous address noted on the CCJ? Thank you for your help. Sorry if this is the wrong forum too.. I am so confused and afraid now.. -
Hi I've gotten as much information as possible. If you need anything else then let me know. Debt was originally with Santander UK. The balance is £1130 The default on the account was 14/2/11 Hoist Portfolio/Howard Cohen co. took over the debt in Dec 2014 The CCJ was issued on 16/3/15 The CCJ was issued to my old address so I didn't have any way of addressing it as I wasn't aware of it. I can't afford to pay this in full. I could afford small payments. I've worked hard as hell to settle up most of my credit file from my stupid student days but this was one of the biggest amounts and I'd hoped it would just fall off my account in 2017 when the default would have been on for six years. Now though I'm looking at 2021 before it would fall off which is a bit of a disaster. Please advise me what my options are if you can. Thanks for your help.
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Hi new to the forum so hope this is in the right section. My partner today received a court claim form which looks very much like the old summons, issued by Northampton County Court. It has been issued by solicitors acting on the half of Cabot. In the particulars of the claim it states that it is in respect of to credit cards where the credit agreements were signed in 1998. It states that Cabot purchased these two dates in 2004. The total amount of the claim is around £4000. My partner has not had any communication with this company for over 10 years. Is their claim valid given the time that has passed ? And what's our best way to respond to the claim ? -
Hi everyone, I hope I have the correct forum I need help with a debt relating to management charges on two apartments. On the 24 February 2014 Northampton County Court served us with papers in respect of outstanding service charges. A1111111 name of apartment one in the amount of £3752.01 A2222222 name of apartment two in the amount of £3812.03 We challenged the figures sought by the managing agents and their solicitors, advising the Court that we had never received (and still haven't) statements of accounts. We agreed we owed service charges but believed the figures due were much lower. The County Court appeared to agree with our figures. They made a ruling in the case A22222 relating to apartment two. Judgement was ordered in favour of the claimant in the amount of £1531.27 on the 10 July 2014. We immediately paid that figure and the CCJ was removed from the register. No ruling was ever made in relation to A111111 - apartment one. As with apartment two we strongly disputed the figures claimed by the management agents and their solicitors. The Court ended up closing the file as the solicitors for the claimants apparently didn't respond to their queries. NRAM, our mortgage company, confirmed to us in writing that they had been advised a CCJ was registered against us in respect of apartment 1 in the amount of £1932.54. NRAM confirmed that they paid this figure to the claimants solicitors. We were very upset as the case was not heard never mind a ruling made. We believe the claimants solicitors sent NRAM a copy of the CCJ entered on apartment 222 in order to get the fund for apartment 1. Now a year later, the management agents have again changed at the apartment block. They requested the 2015 management charge but allowed payments by instalment. We paid the first payment on both apartments in January. By return we received a letter from the new management agents stating that as we were in serious arrears on our service charge payments they had instructed solicitors to start court action. They now claim we owe circa £4500 on each apartment. I wrote back to ask how they had commuted their figures. I advised them of the above and included confirmation from the court re the judgement as well as a copy of the letter from NRAM confirming payment. I had a very nice email back to say that they were not aware of the history and would investigate and revert. That was on Feb 9th. We heard nothing since but on Thursday we received a letter from a solicitors firm stating that they had been advised to start legal action to recover the arrears due i.e. circa £4500 per apartment. Following my long post my questions are 1) Can they sue us again over this debt when the court made a ruling and awarded a CCJ? 2) I think I need a solicitor? Does anyone have any idea how much this would cost? I believe in paying my debts and have tried to but the previous management company wouldnt accept instalments, didn't provide any reports or accounts and were extremely difficult to deal with. We asked them to request payment from our mortgage company but they said they couldn't until a judgement was in force. We bought these apartments when we were both working and had good jobs. I had to give up work due to having an autistic child, I left the UK and moved abroad. My husband still lives in the UK, lost his job and has since found another one but on a much reduced salary. We would sell if we could but both apartments are in negative equity. Thank you for your help -
I'm after some quick advice. I've received a PCN for stopping in a box junction in Piccadilly{E1}. It shows one picture of a CCTV image of a car whose front bumper is just on the box junction outer line. Real nasty IMO. First thing, the car pictured is not my car. I was in London that day but took the train on my normal commute and was no where near Picadilly. No one has access to my car other than me. How can this happen? Has someone got my number plates? What is the best way of appealing this i.e. what evidence should I produce? Thanks -
Hi all this is my tale of woe. Went to Bishop Centre Taplow. 21 Feb15 in the evening. Received yesterday (02Mar15) a parking charge notice from euro car parks. They were using cameras to capture entering and leaving times. My stay exceeded the 3 hr free parking time stay. I have been told according to the letter that under schedule 4 of the protections of freedoms Act 2012 they have the right to recover from the registered keeper so much that amount that remains unpaid. Needless to say I don't want to pay the £75 or even the 'considerate' 14 day discount of £45. There are signs in the car park which state the 3 hr free stay so do I really have any possibility of avoiding this? Any advice would be appreciated. kev -
Hi, I received a PCN for parking on Thornton Road, Ilford. This is a narrow road and the parking is allowed with two tyres on the footpath. All the cars were parked in this way so I parked mine the same way to prevent blocking traffic. I was shocked to find a ticket on my car. After checking carefully I found the parking sign which allows parking in this manner except last few meters of the road where my car was parked. However there is no yellow line on the road to restrict parking. Also there were L plates on my car since my wife has a provisional licence and she sometimes drives the car. May be this drew the attention of the traffic warden and I got a ticket. Kindly check the photos and guide me if I can appeal against this ticket. -
Hello, I recently stupidly forgot to park my moped in the free motorcycle bay on my road when I went on holiday. It's quite quiet and I found I had been given 2 tickets on my return. I assumed I would have to pay both but the second PCN had the wrong road location - stating Arlingford Road which is the one parallel to mine. I appealed on the basis the PCN had been issued incorrectly, as I wasn't parked on the street the offence was deemed to have taken place. The rejection on my appeal came through today with the reason: "The photo you refer to was taken of the time plate for the location at which the vehicle was parked". This may well be true but I was not arguing the location of the time plate, I was arguing my moped was not parked at the location they stated. If I am to appeal again I have to wait for the Notice to Owner. What I'd really like your help with is whether I still have a chance of winning if I wait for the NtO to come through and argue the same case? I attach a photo of the rejection letter. Thanks, jimbo. -
Hi All I was issued with PCN on 03/02/15, Code 01 Parked in a restricted street during prescribed hours. Location is Wall Street, Oldham OL8 1DD. I didn't park on Yellow Line, I parked beside a car in front of Kebab shop where the Double Yellow Line ended, and none of my wheel touched Yellow Line but I parked somewhat at the middle of the road (it is not a very wide road which may be reason CEO issued ticket). I (and other residents) of the street always park at same location without problem, that's why I was really surprise to receive this PCN. Some of Yellow Line are faded or illegible on side of road where I parked my car, but clear on the other side of the road. Perusing the PCN I noticed that CEO didn't note any observation time (so it seems no observation or grace period of at least 5 minutes was given before ticketing), because Observed from time was omitted in said PCN. I wish to appeal this fine, so any advice/hints/suggestions would be greatly appreciated with thanks. ] ....
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I received a letter from the county court in Northampton that Welsh Water had decided to take a CCJ against me for over £2000 without warning. I have been away and I only have until Saturday 7th to respond to the CCJ. I lost my job a while back and trying to get another was hard to do and I ended up further in debt and my bank cancelled all my DD to stop me getting more bank charges. I do have just started a new job but it's poorly paid and long hours. With other debts I can't afford this. I hope to defend it. Any advice would be helpful
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Hello, I hope that I am on the right forum/ thread. I have received a CCJ claim form for an old mobile phone that was with Orange. It is from Bryan Carter solicitors on behalf of Lowell Portfolio. I have responded at MCOL tonight stating the intention to defend and asked for additional time. The claim was issued on the 21st Jan. We constantly had issues with the signal of the phone and called numerous times over the three months before we stopped paying the contract and took another contract out with another company who provided us with a vastly improved signal. On the times that we called they agreed that there was issues with the local mast being out of order and they admitted that there was a problem. However we have no evidence of these conversations, although I would hope they are on a call log somewhere. There is no information at all about this account with the claim form, No dates of original contract etc. We estimate that we had the contract about 3-4 years ago, possibly longer. The amount is for less than £200. Your advice and help would be greatly appreciated.Many thanks
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Hi all, I'm not sure if there is anything that can be done, but I thought I'd check. My wife does our weekly shop in Tesco's using their scan and shop service, where you scan your items and pack them into bags and then pay at the till at the end. She has done this for over a year with no issues at all until last Friday (23/01/15). My wife did the shopping as normal but put a pack of Pampers Night Pants (£5.97) into a bag which she ended up not using otherwise. As a result, she inadvertently failed to pay for them. She left the store but didn't even reach the car before she realised her mistake. Turning around, she walked back into the store to pay for them. As soon as she stepped inside, a security guard took her aside and asked to check her shopping. She tried to explain her mistake, but the guard led her into a back office and called the police. Upon their arrival the police viewed the CCTV and even the police officer admitted that she looked as though she was coming back into to pay for the item. Unfortunately, because the item was over £5 Tesco policy was to involve the police, so my wife has ended up receiving a police caution and a Fixed Penalty Notice for £90, over a £6 item that my wife was coming back in to pay for! We've paid the Penalty Notice, but I was wondering if this is something we should have (or even still could) challenged? I mean, they say crime doesn't pay, but it seems in this case, neither does honesty! Any advice or suggestions would be greatly appreciated, as I am unable to work and recieve medical benefits and my wife is my carer, so £90 is a lot to lose for an honest mistake. Thanks in advance! -
Hello, I wonder if you can assist, this evening I parked in a "PPS" pay and display car park, I paid for my ticket and put it on the dashboard, however it was particularly windy. Upon my return I have a parking ticket and look through to see the ticket facedown on the dashboard, I filled in an initial appeals form attaching a picture of my ticket showing I paid to park there, however after reviewing their website it says the following: Appeals will NOT be considered for the following reasons: Your ticket fell down/was blown off the dashboard/on the seat etc. Your ticket was not displayed clearly, face up, on the dashboard of your vehicle You forgot to display your ticket You went to get some change You did not know it was a Pay & Display car park You were only a few minutes overdue You only stopped for a few minutes This seems backwards to me as they're making a claim for loss, but there's no loss? I paid to park there, the ticket was just incorrectly displayed. Is there anyway I can fight this? Any advice on how to proceed would be much appreciated! -
Good evening CAG, I am new to this site but I must say that I have heard how fantastic you are at helping, so, I am hoping you could point me in the right direction. I have received a claim form from Northampton which has been issued by Cabot Financial. Now they say that I owe money to Moneyway (a loan) and give an account number but, it has been issued to me in my maiden name which I have not used since 2007. Now, I dont ever remember taking a loan with a company called Moneyway so I am pretty amazed at this, let alone using a name I havent been known by for a number of years. they say that the debt was assigned to them, so I am guessing they brought this supposed debt cheap, but I think they must have picked me off an old voters list or something as I have never done business with a Company called Moneyway. Now I dont really know much about rights as a consumer or anything but I thought that debts became statute barred after a certain time. I need to do something but I dont know what and I dont know how much time I have to do it before a judgement is registered against me for something I have not had. Could someone please point me in the right direction. I would be so grateful. Thank you LTB -
Hi, Just received a letter from a court stating that they have issued a "notice of issue of warrant of control" stating that they will collect goods if payment is not made. It is for a debt i had starting in 2008 i took out hp on a car which was repossesed in jan 2009 as i lost my job and was not able to make payments. this is the first letter i have had from anyone relating to lowel portfolio and as the debt is over £6k and im not working and not able to pay the full requested amount of £6227.16 the court is asking. does anyone have any advice on where to go as i dont want anyone turning up trying to take stuff. Thanks -
Incorrectly issued parking fine
kh123 posted a topic in Local Authority Parking and Traffic Offences
Hi all. I received a PCN yesterday 21/12/14 for "parked with one or more wheels on or over a footpath or any part of a road other than a carriageway (partly on footway) code 62 2" This PCN was issued at osborne grove E17 by Waltham forest council. I had just entered a shop for about 3 minutes, and as I returned the civil enforcement officer was starting to get the ticket ready. I explained my situation to him, that I had just run in to get some calpol for my niece, and that I was able to park here as there are no restrictions and he told me that a tiny bit of my wheel was on the pavement. He said that he is sorry, and carried on writing the PCN. I contested this as my wheel was on the road and not on the pavement. Now he had no time to take pictures of anything and there are no camera's around there. How can I go about appealing this, as I really cannot afford to pay it. Also I'd like to add that I appreciate all the help you guys have given everybody else, and would like to say thank you for all replies. Have a good Christmas! -
On 12 November Ofgem issued notice of our proposal to revoke some of the provisions of the confirmed Provisional Order against Economy Energy following improvements in compliance. Read More Here: https://www.ofgem.gov.uk/publications-and-updates/economy-energy-provisional-order -
Wow what a horrendous few days, im in desperate need of advice and after stumbling across the site i hope and pray you guys can help me, Its a little long winded but i will try and keep to the facts and not ramble on in frustration Logged onto check my file to see a CCJ issued on the 27th nov 2014 (mortimer clarke) Called the court listed on credit file, to tell me the debt etc £3,379 from a car finance agreement through online finance (gmac) 2001, COURT LETTERS WERE SENT TO AN OLD ADRESS, when speaking to mortimer they state that is the address they have for me, so bear that in Mind Car was repossessed approx 2005 here is where it gets interesting the issue for me is in 2009 i made some payments to marlin then i moved address and updated marlin of this address to which is where i live now STILL THIS IS THE INFO I HAVE COLLECTED FROM MARLIN TODAY ON THE PHONE November 2011 i contacted marlin via post to rearrange payments, they have this on their system December 2011, letter from Marlin stating they have received my letter of offer for £10 a month again and enclosed expenditure forms, THE ADDRESS ON THE LETTER IS THE ADDRESS WHERE IM STILL LIVING NOW February 14th 2012 I posted to marlin the expenditure forms back and the completed direct debit mandate ( this was sent first class recorded, also showing on marlins system February the 22nd 2012, A computer system error at marlin has changed my address to one from 2002????, as quoted by a member of staff today it looks like a computer error in 5 days of them receiving the expenditure and mandate the address has changed on the system by itself lol March 5th 2012 a letter has been sent to the address that system has changed from 2002, to let me know there has been an error with the mandate!!! All this time ive been under the impression that the £10 a month has been paid out of my husbands account, never checked to be honest After failing to get hold of me regarding the direct debit mandate issue a letter was sent to really old address (REMEMBER SYSTEM CHANGED MY ADDRESS AND I HAVE CORRESPONDENCE FROM MARLIN WITH MY CURRENT ADDRESS ON) they passed the debt onto Advantice then onto Ruffbrige now in the hands of Mortimer clarke who issued the ccj at another old address that i have not lived at for 6 and a half years, claiming that they had no details on my current address I have been lucky enough to speak to lovely chap at Marlin who gave me all of this information If the ccj would have been issued to my current adress i would have sorted this, for as far as i was concerned it was getting paid, due to the system changing my address ive been issued with a CCJ I want to get this set aside as i feel like this is sooooo unfair Please help me
