Hello everyone. I need an advice. Received a letter on 06 July this year from Lowell. It states I owe them £510.38 for an account I had with Three mobile years ago. As far as I remember from previous letters this alleged debt and another smaller one (60) with Three exchanged hands few times and are now owned by Lowell . The thing is I have no idea where this amount of debt comes from. I had 2 contracts with Three, one for mobile broadband (which i closed 5-6 years ago and dont owe anything) and another one which was opened 8 years ago and i kept renewing until I abandoned about 5 years ago and stopped paying. it is likely they put all sorts of charges etc. , for which i have no recollection of letters etc. But still the amount seems too too high and dont know if the original account number with Three they have quoted is mine. I think I need to request info from Lowells without accepting any liability or that the account belongs to me, as they might be just shooting in the dark. Kind of '' prove it letter'', instead of request for summary of account under the consumer protection act. The letter from Lowell : ''Dear Mr. source of income Your Three Mobile account remains unpaid. We are now deciding whether to transfer your account to our solicitors to take legal action against you to recover this debt '' letter continues with explaining what legal action is etc. etc. So in summary : - received letter from Lowell that they consider transferring my account to their legal team - i have no idea if that account belongs to me - i have no idea where the amount of debt mentioned is coming from, have no memory of receiving any letters with charges from original debtor (Three) - need to establish if account is mine and where this amount has been worked out Thank you in advance Also they put a new default date on that alleged debt in my credit file , although the original default date is years ago. How can I include a request for this default to be removed ? P.S. Having debt on my credit file doesnt mean I owe the debt, as I havent checked my debts and credit file for few years due to illness.

Hi CSA, I received a letter from drysdens solicitors dated 29 Nov 2018 stating the a County Court Judgement was being entered against me on behalf of Erudio Student Loans. On the 30th of November i receive a letter from the county court staing that the CCJ was entered. Both of these were sent to an old address and I received them a day after the deadline to pay it off was set- 12th December. I didnt receive any prior communication from Drysdens. I took the loan out in 1993 wiyh SLC. I deferred some years ago, cant remember exaactly how many at this point. Please could you advise and help. Many Thanks.

Firstly thank you in advance for any help I may get from you guys!! Yesterday I received a county court claim form from Gladstones Solicitors Limited on behalf of ES Parking Enforcement Limited and genuinely this is the first I have heard of this matter. It states they are claiming: Amount Claimed: £166.18 Court Fee: £25 Legal Representatives Costs: £50.00 Total Amount: £241.18 I don't know where this has arisen from and cant recall parking where they said I had "breached their terms of parking". The actual wording is: "The Driver of the Vehicle Registration XXX XXXX (the vehicle) Incurred the parking charge(s) on 09/05/2018 for breaching the terms of parking on the land at Seymour Grove Retail Park Manchester. The Defendant was driving the vehicle and/or is the keeper of the vehicle. AND THE CLAIMANT CLAIMS £160 for parking charge(s) / Damages and Indemnity Costs if applicable, together with interest of £6.18 pursuant to s69 of the County Courts Act 1984 at 8% pa, continuing to judgement at £0.04 per day." Firstly I am not the registered owner or keeper of this vehicle as the vehicle was my wife's company car and what evidence do they have that I was the driver. I am very stressed out about this as £241.18 is a lot of money to be burdened with just before Christmas and any help would be appreciated as to how I should deal with this. Feels like these cowboys can almost make charges up as they deem fit and then bully people into paying them what can only be deemed a lucrative sum. The claim form is dated the 10th December 2018 and was received on 14th December 2018.

Hi In 2016 Lowell purchased a credit card debt of 3K. I sent 3 letters using templates from a now defunct site and they sent me a copy of my original credit agreement. I have continued to ignore their letters, which were mainly offers of discounted settlement. (the latest was 50% in feb) I now have a Claim Form from the court and unsure what to do as i have top respond soon. I'd be grateful for any advise on whether I should defend, and if so how? Thanks VitSea

Hello all To cut a long story short had some financial issues and was taken to court by moneybarn for a return of goods order which they achieved, just received the court order in the post after a week or so but i need to know where i go from here. I have attached a copy of the order if someone could explain to me what my next steps are and im also very concerned about the £493.00 in 14 days as i do not have that kind of money many thanks steve

Name of the Claimant ? Southern Water Services Date of issue – 10/11/2018 33 days was up on 8/12/2018 (3 days ago) only found court letters yesterday. Particulars of Claim The Claimant is a statutory water and sewerage undertaker pursuant to the water Industy Act 1991 (the Act). The Claimant claims the sum of £1700 for unpaid water and/or sewerage charges payable under s.142-144 of the Act and the Claimants Charges Scheme. The unpaid sum of £1600 is for water and/or sewerages services provided to the Defendant(s) at ************ for the period of July 2011 to July 2018. The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from July 2018 to November 2018. Claimed amount £1700 Court fee £105 Legal representative costs £80 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Received 2 letters from shulmans llp - letter before court action, and multiple from UK SEARCH LTD prior to that What is the total value of the claim? £1800 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Water When did you enter into the original agreement before or after April 2007 ? Been at the property since 2008 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Think so 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. Claiment on court form is Southern water but they insist it's been passed to UK Search/Shulmans Were you aware the account had been assigned – did you receive a Notice of Assignment? Letters from uksearch Ltd acting on behalf of southern water. Did you receive a Default Notice from the original creditor? Probably Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Haven't made any payments. On benefits can't afford total sum. What was the date of your last payment? Years ago. 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 management plan? Yes. Made an online application for Southern Waters NewStart Scheme (was ignored). Tried to negiate a payment plan with Southern Water's legal department but they say their is nothing they can do as the debt as been passed on to UK Search Limited.

The following is an extract of the news report published in the Guardian: https://www.theguardian.com/media/2018/feb/22/couple-filmed-evicted-channel-5-tv-show-win-damages-high-court

Hello everyone, I care for my mother who has dementia. She has a few things, mostly relating to her health and divorce that I've been trying to sort out. I had advised the local council that I was struggling to cope and that my step dad, her ex husband had suddenly cut off all her bills and not paid them. My social worker said that it was finance related and that she couldn't help. The council tax bill was addressed for number 46- not sure why they had suddenly got our address wrong. when I first heard that the council tax bill hadn't been paid, it'd been a couple of months already, as the letter had gone to my neighbour. I explained this to them on the phone and they sent me some forms to fill in on behalf of my mum, but several other things have happened, including waiting for evidence to come through etc. The person I spoke to was sure my mum was entitled not to pay because of her condition, but I'm not even sure what category she fell into. I suffer with depression and it's a lot of pressure to deal with when caring for someone. She's recently had a massive decline in her condition but it seems like no one cares or wants to help. I've now received a magistrates court summons for an amount of £1300 to be paid upfront From the letter, they're not interested in the ins and outs and just want payment. Please can you advise. I will of course speak to them, but they're not open until Monday. Thank you.

I took out a money claim to recover money owed. The Defendant hired a Solicitor who sent and acknowledgement and applied for extra time, 28 days, to file a defence, I made no objection to this application and the court never put it in front of a judge for ratifying. However, 28 days later when the date specified by the Solicitor on their sample order had passed, no defence had been filed, so I applied for the judgement to be made by default as no defence has been filed. The Solicitor then called me (4 days past filing date) requesting further information so that they could begin to put together their defence... (BEGIN to??!) and I pointed out that I had already applied for Judgement as they were now out of time (CPR 12.3 (2)a "The Claimant may obtain Judgement by Default where acknowledgement of service has been filed but a defence has not been filed and the time for filing has expired). The Solicitor said that the extra 21 days dont start until they are rubber stamped by a judge. Today I received notification from the Court that the request for judgement has been returned by the judge for referral to a District Judge. So, my question is: Where extra time is requested and not challenged, is it accepted that the extra time is granted by agreement? Or can this defendant solicitor continue to delay filing until they get a rubber stamp agreeing extra time? My reading of the rules that where extra time is agreed 28 days would be given, would apply where no challenge is made to the request for extra time. How do I challenge this and stop them late filing please?

Hi all, I need some help/advice. The last of my debts is a (technical) overpayment of wages from Sept last year. Basically, I took too much paid holiday before leaving so my final payslip was what I actually owed them. At the time I had a really bad hand injury (required surgery and lengthy rehab - I nearly cut my thumb off) Admittedly, I buried my head in the sand and ignored letters about the debt. In the end, my prev employer obtained a HC writ for the debt, plus associated costs. It's taken until now for my to reach this first stage with Marston and I received a Notice of enforcement letter last week. The letter says I need to pay the balance (£1000ish) by Dec 10th or agree a payment arrangement. I rang Marston to offer a payment arrangement - I want to pay it back, and I have a decent job now but I'm J-A-M so can't pay loads off at once - but they've said that they can only take payments at the moment and the account needs to progress to the next enforcement stage (plus an extra £200+ in fees) and I need to have an agent visit my property before they can agree an arrangement. I should say that any avenues of borrowing money (friends AND family) are closed. I've borrowed (and paid back) money to so many people I've basically had the last of my last chances - this is my problem. Now, I live in a flat with two mates and I'm really worried that these bailiffs will try and take my mates' stuff to pay my debt. We're all late-20s and have a fair amount of stuff accumulated but may not have purchase receipts for everything - both housemates have Apple Macs they use for work for example. Over the past 5/6 years I've struggled to to off various debts, ruining my CR in the process. I've paid extortionate fees etc etc. I've read about sending a letter to offer the arrangement but is there anything else I should do or any advice you have? Thanks in advance

Bit of news Marston holdings have lost the contract. New companies who will be collecting the fines will be Equita Excel Jacobs & JBW group. Contract begins feb 2019.

Hi, I have received a claim from northampton county court on 31st Jan 18. I have done the acknowledgement online as per the document (and help here) acknowledged on the 31st. I have read some posts about similar and sent a CCA to Lowell and CPR to Lowell Solicitors signed for. I had a Vanquis Card back in 2012 and came out of work and couldn't pay, stuck my head in the sand and ignored everything. Received some letters from Vanquis I think but just binned them. Got some letters from Lowell and they ended up in the bin too. I know it is not far off from being Statute Barred which is why I guess they have decided to try this now. I've now got a claim from Lowell via the court for £2660.50 The claim is broken down as; Amount Claimed £2660.50 Court Fee £105.00 Legal Fee £80.00 Total £2845.50 The Claim particulars are 1 - The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference xxxxxxxxxxxxxxxxxxxxx (the agreement) 2 - The defendant failed to maintain the required payments and arrears began to accrue. 3 - The agreement was later assigned to the claimant on 04/08/2013 and notice given to the defendant. 4 - Despite repeated requests for payment the sum of £2463.43 remains due and outstanding. And the claimant claims a - the said sum of £2463.43 b - interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.540, but limited to one year, being £197.07 c - costs Since sending the CCA to lowell I have not heard anything from them at all (sent 1st Feb) Lowell Solicitors have sent a copied version of the notice of assignment which introduces them as the "debt purchaser". It is not an assignment or transfer from the original creditor which is what was asked for in the CPR. I have been working on my defence and this is what I have so far; "The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made. (1) The Defendant notes the opening sentence referring to an agreement between him and Vanquis. The Defendant has in the past had financial dealings with Vanquis. The Defendant is unaware of what alleged debt the Claimant refers, having failed to adequately particularise its claim. The Defendant has not entered into any contract with the Claimant. (2) The Claimant alleges that the Defendant failed to make the required payments due. This is denied. (3) The Claimant alleges the agreement was later assigned to them on 04/08/2013 and notice has been given to the Defendant. This is denied. The Defendant is unaware of any legal assignment or Notice of Assignment from assignor or assignee pursuant to the Law of Property Act 1925 s136. (4) The Claimant alleges “repeated requests for payment”. This is denied. The Defendant is unaware of what account or contract the Claimant refers to, nor having received any default notice pursuant to the Consumer Credit Act 1974. The Claimant has not complied with paragraph 3 of the Pre Action Protocol. Failed to serve a letter of claim, pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. The defendant denies owing any monies to the Claimant and the Claimant is put to strict proof to: (a) Show how the Defendant has entered into a legal signed agreement with the Claimant; and (b) Show absolute proof of how the Defendant has reached the amount claimed for with the Claimant by way of statements showing all amounts levied by the Defendant; and © Show how the Claimant has the legal right, either under statute or equity to issue a claim; (d) To provide an original assignment in writing signed by the assignor at time of alleged assignment pursuant to the Law of Property Act 1925. (e) On receipt of this claim the Defendant requested by way of CPR31.14 and a section 77 request for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to the section 77 request and remain in default with regards to the CPR31.14 request. As per Civil Procedure Rule 16.5(4), it is expected the Claimant prove the allegation the money is owed. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act 1925 and Section 82a of the Consumer Credit Agreement Act 1974. The Defendant feels that in the event the Claimant does not have a right to issue claim, pursuant to the Law of Property Act 1925 it may be a contempt of court in that the Claimant brings a claim that is misleading by representing they have ownership by assignment and making that representation in their particulars of claim before the court. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief." Any chance anyone can help me out with this? I'm trying to get everything in the right order and such but it is a little daunting on my own.

I graduated back in 2002. I know after that, the Student Loans Company sent me deferment forms which were filled in and accepted. Erudio took these over years ago and I have never received any deferment forms from them, or any way of doing so. I've made no payments or, as far as I'm aware, acknowledged anything with them. The other day, 3 brown envelopes arrived from Northampton. Opened one and it was a County Court business centre claim form for £2400ish against me from Erudio / Drydens. (Letters from Drymens telling me that I would receive court papers arrived a few days later). I have no idea what to do here. I'm not fully clued up on the logistics of the loans and can't remember exactly when they were taken out but if I graduated in 2002, the 1998-2002 seems about right. I've never earned the required £2200 or so a month and this was fine with the SLC and I'm not exactly making enough to make the sort of payments they would probably be looking for. The last thing I want are CCJs against me for this. The forms seem to be giving me the options of: Admitting the amount and want time to pay Admitting part of the amount Disputing the claim 28 days needed to prepare a defence. The forms didn't go to the address I've generally living at (but to my parents I used to live at) so I've got maybe 6-7 days now to do something. Any ideas what I should do? Whilst I don't mind paying them back if I have the funds to do so over time, why have they waited 16 years after my graduation in order to do anything?

CMA secures court order against viagogo READ MORE HERE: https://www.gov.uk/government/news/cma-secures-court-order-against-viagogo

Suppressed Cancer Cure-Court Case.19th November Southwark Crown Court near London Bridge 19th November. I keep coming across information here and there about this case and i began to wonder. When something bothers you or begins to best to put it down somewhere. I am just passing the details on for others to have their say. A few details,videos and much more on the link. [TABLE=width: 100%] [TR] [TD=class: Content MainText]9.30am on Monday 19th Nov 2018, to support DAVID NOAKES, as he faces the full wrath of BIG PHARMA's protection racket ... ENFORCED by the MHRA on behalf of Big Pharma & the UK Government! [/TD] [/TR] [/TABLE] [TABLE=width: 100%] [TR] [TD=class: Content MainText] LETTER FROM DAVID NOAKES To conceal GcMAF, the body's way of treating cancer, for another 25 years, the Medicines & Healthcare Regulatory Authority (MHRA) is prosecuting me ( David Noakes) and others at Southwark Crown Court near London Bridge, at 10 am on Monday 19th November 2018. GcMAF is a human protein, a human right, and the king of immunotherapies. It saves the lives of 75% of terminal stage 4 cancer patients, without side effects, at 1% the cost of chemotherapy. If it was put into the NHS it could save 120,000 lives a year, save the NHS £2 Billion on its drugs bill, and empty thousands of beds. It successfully treats over 50 other diseases. We treated 11,500 people; 239 doctors chose it, and 1,400 patients around the world have submitted feedback on their excellent results with GcMAF. If you know someone who has died of cancer, they could have had a 75% chance of life if the MHRA had not concealed, and then banned, GcMAF. Much more on the link,and have your say. LETTER FROM DAVID NOAKES https://myemail.constantcontact.com/Suppressed-Cancer-Cure.html?soid=1102206983512&aid=of7N-wulklU The question seems to be. Bye for now i will follow the court case closely. Tawnyowl.[/TD] [/TR] [/TABLE]

Hello, We have had a terrible experience with a local children's nursery and I wanted some advice before I submit a case to the small claims court for a refund of our fees not used. After researching various nurseries we chose this particular one which ticked all of the boxes for us. A relative worked there, we were assured at the initial show around that communication with parents is key and a sheet is filled out daily containing all of the details of the day (food eaten, wet/soiled nappies/milk consumption/activities). A key worker would be allocated so we could have a smooth settling in process. Being new parents all of this was very important to us. We felt happy with our decision, read through the policies and procedures which detailed the above and signed the contract along with paying the deposit. Unfortunately none of this materialised when our child attended the nursery. Two settling in sessions were held where we dropped our child off for 2 hour periods. We did not meet the key worker nor did we receive the information sheets - given it was for a short period we didn't question the report sheets however we did question when we would meet the key worker. The key worker allocated was on long term leave with no immediate date of return so the other workers would chip in and help. We therefore did not have the chance to bond with a particular individual at the nursery. I should mention this nursery has children of all ages mixed together in one room. After this our child spent 2 full days at the nursery. Both times we again did not meet the key worker, communication was poor, no report sheets provided and therefore at pick up no-one could give us details of what our child had eaten/drank/nappies changed etc. This was not the service we were promised when we signed up. We were feeling very uneasy and wanted reassurance so we asked for a meeting with the nursery manager. The meeting got unnecessarily heated. The manager felt attacked by our concerns and was very defensive. It was confirmed that the production of the daily report communication cards had been halted for 2 weeks due to the hot weather - something to this day which still baffles us. This had not been communicated to parents. Additionally the allocated key worker still had no return date. At the meeting it was clear the relationship had broken down and the manager confirmed the nursery was not right for our child. We followed up with an email later that day confirming our child would no longer be attending the nursery. I should mention too that during all of this we received information from an ex worker there that safety standards were not being met (child to adult ratios), poor hygiene was observed (feeding babies with same spoon at mealtimes). This person has chosen to remain anonymous however a complaint may have been submitted to Ofsted by them - something I am unable to confirm. This information coupled with our experience clearly resulted in a loss of confidence in the nursery. Monies - we had paid over 500 pounds on what ended up just 2 days care (48 pounds per day). We requested a refund due to the breach of contract as they did not deliver the service they agreed. Within the contract they request one months notice and we would therefore not be entitled to any money back. A goodwill offer of just 150 pounds was proposed to us which we reluctantly agreed. When I have chased for the monies a week later they have responded confirming they have changed their minds and they will not be refunding any money to us. Clearly frustrated I feel I have a case to pursue this however would like some advice. Thank you in advance for your help on this.

Hi, I run a small retail operation, bricks and locks building..., I am disputing the bill Britisg Gas have sent me, they said it's a smart meter and up to date, it still doesn;t seem right.. One of the last letters have threatened with bailiff or coming in to change the meter, how heavy are they on this stuff? Need I worry till I can try sort it out with them? How long do they normally take to take action?

I am also posting the same story on other forums this is not to undermine anyone on any of these in any way, but to gauge different options and ideas that people may have when dealing with this. It could be there is stuff that may help others out across all pages and that can only be a good thing for those of us consumers being roally shafted by the establishment!!! 2007 with a growing family I took out a car loan with Welcome Finance (BIG mistake, I know. Never again!) the loan was adjusted late 2008 to reduce the payment amount and supposedly the PPI and insurances were cancelled as mis-sold. 2012 it was my belief that I was paying over the odds for a car that was vastly overinflated price, that the PPI etc although cancelled the costs were not commuted as I was expected to pay almost 12k for a car worth 4500 at purchase. so account was placed into dispute. Dispute was ignored, come march 2013 account was registered default, court threats and a CPR letter was sent requesting all documentation in march 2013. april, may 2013 further correspondence was received clearly the dispute was ignored and so was the CPR until August when the CPR was acknowledged. Nothing! at some point the account was sold to Lowells, Then Cabot, Marlin, back to Cabot but nothing was ever actioned and nothing was posted out that warranted action. As the account was in an ignored legal dispute situation but still had been registered as default and sold to 3rd parties this is a monumental breach! Finally 14/07/15 I received a letter from Cabot the account was being referred to Mortimer Clark. Same day, but postmark 15/07/15 I received a letter from Mortimer Clark stating they were instructed to take court proceedings (Nothing in the letter states clearly this is a LBA) and I was to contact them. The letters appear below Mortimer clark letter so I initially knocked up this response removed fotl rubbish letter - dx oh!.... was it not much better then, got me worried now please ignore spacing and syntax mistakes, this was a draft. Following advice on xxxxxxxx I followed this letter instead

Hi everyone I’m not sure what’s happened but my council are taking me, my brother and sister to court over unpaid council tax. I’ll upload the documents so you can see what they’ve said. But I’m certain the amount they're quoting is wrong. My council asked me to increase the amount we pay each month around the beginning of this year. I think March or April but not too sure. I changed the amount we send to cover what they said we needed too. Then I didn’t hear anything until August this year where they sent a bill that didn’t make sense. It made out that we hadn’t sent anything to them. Now at this point I’d just lost my job so I ended up burying my head in the sand why I looked for a new job thinking it’s wrong and they’ll work it out. Again didnt hear anything until the 2nd of November when we got a court document saying we need to go a hearing on the 22nd of November 2018. I’ve only managed to find a job in the last week so haven’t been able to get on here to upload it when we got it. The only reason I can think of for them saying we’re not paying is that the payment could have the wrong account reference on the standing order. When we moved into this place at the end of October 2017. The same council contacted us about payment with us being in the same area. I updated the payment on the standing order we had for our old place with the same account reference. I did this because they didn’t change it on the letter we got when we moved into are new place. But the letters I’ve got since August have a different account reference on them. I can’t see it making a difference though because until August this year I didn’t get anything saying we hadn’t payed or owed anymore then what we’ve been paying. Would appreciate any help on this. Thanks Scanned Documents.pdf

A friend of mine has received a 'form 6A' from local court in Scotland regarding a parking charge. She has until mid December to answer it. Does anyone have any thoughts on the best way to proceed with this? has not had any contact with Euro Car Parks and she moved house after the alleged event took place so did not receive any of their speculative invoices. She wants to pay it as she is going through a lot at the moment and doesn't want to go to court. How can they prove she was the driver at the time? Thoughts and advice gratefully received. Thanks

Hi, Just received a county court claim form on behalf of cabot financial, the solicitors are Restons. This is a first for me, never dealt with this kind of thing before, honestly dealing with debts has been a struggle, so maybe i shouldnt be surprised but for £330 im a bit suprised but it is owed, my questions if possible Can i offer an agreed amount with the solictors to start clearing? Or is it a case the whole amount is owed and im screwed i guess is the word I was made redundant 4 weeks ago so this is not the greatest of timings .How do i proceed, im not going to disagree with the claim as im fairly sure the debt is valid its just myself who didnt organize my debts properly that led to this. So do i accept the claim, then contact the solictors etc?

Am going bonkers? Do I need a new Solicitor for legal advice? Our Neighbour has got a Court Order to reroute the easement. Fine it needed to be done to sell the property that is not the problem. The Order will help sale as it clarifies the issue. He is saying Planning is not needed to remove our Summer House or cut back trees. Our advice is Planning is needed we are in a Conservation Area or we face criminal offences so we need planning permission to cut back trees and the Summer House has Planning Permission and it needs Planning Consents for removal as it over 115 cubic meters. If we fail to apply for Planning Permission for the trees we face £20,000 fine and a criminal record. Demolition of the Summer House without Permission is up to 2 years in prison and an unlimited fine. Am I losing the plot do I need new advice? Is there anyway a District Judge Decision in a County Court could get around Statutory requirements of Planning Permissions and remove the possibility of criminal offences. Okay Planning may well be a tick box but it is not the point really especially as we selling the cottage and to protect ourselves. There is no mention of Planning Permission in The Order the Judge completely failed to take into Planning Law which is staggering in competent.

Hi, can someone perhaps help. I have CCJ from United utilities, which was being enforced by high court enforcement agent back in September. I stayed the writ using an N244 form as I wanted to offer £150 per month. This was subject to a court hearing where the judge would listen to my instalment offer. Unfortunately I missed that hearing which was today. Is there anything I can do now? Thanks.

Hi I've been receiving letters from Lowell regarding a debt for a mobile phone account which isn't mine. I mistakenly decided to ignore the letters until county court claim has been started against me. I've filled out the form online to give me some extra time to defend it and form a case but I'm hoping I can find a way to force them to annul or at least postpone the claim. I've looked around here and apparently because it was a mobile phone contract, a CCA request letter would be ineffectual because it was a service agreement. So I'm thinking about sending them a "prove it" letter and possibly a Subject Access letter but I'm unsure of how effective this will be. Any advice and suggestions would be greatly appreciated. Also, Lowell have put a default notice on my credit card report which is what I was wondering if they can legally do that without any proof?

hi could anyone help with a simple defence over 2 years ago my friend parked his car and paid for his parking ticket, a few weeks later he got a letter from parking awareness saying part of his wheel was on the white line he has ignored all correspondence from this company, apparently they have a camera on this one spot because they know its a tight handle to park. roll on 2 years they have now issued a claim through bw legal. we have read loads of complaints about this but cant find a suitable defence. particulars of their claim. 1.the claimants claim is for the sum of £100. being monies due from the defendant to the claimant in respect of a parking charge notice (PCN) issued on __/08/2016 at time at reads ave Blackpool. The PCN relates to car under registration ***********. 2.the terms of the PCN allowed the defendant 28 days from the issue to pay the PCN. but the defendant failed to do so. 3.despite demands having been made the defendant has failed to settle their outstanding liability. 4.the claim also includes interest section 69 act at rate of 8% per annum a daily rate of 0.02 from 13/08/16. 5.The claimant also claims £60 contractual cost pursuant to PCN terms and conditions. total claim £233.00 my friend has acknowledged the claim on Mcol so he needs a defence especially with this contractual cost. thanks guys CPR31.4 sent to solicitors