I have lived in a block of 10 flats for 10 years, there is a residents management company of which I am a director along with the other 9 owners. I have just been told that at an AGM 11 years ago it was agreed (documented in the minutes) that parking is restricted to certain times of the day in a specific place and that as I parked there at night I must not do it again. There is nothing in the lease about parking anywhere at any time but my concern really is that I didn't know that I would have to abide by some majority decision made 11 years ago of which I knew nothing, also there could potentially be more decisions made that I know nothing of and don’t agree with. I understood that I had to abide by the lease which was discussed by the Solicitor, and I was not presented with any minutes of meetings when I purchased the flat. My questions are: do I have to abide by decisions, made by previous owners, of which there is no mention in the lease? and also, can they just make rulings by taking a vote, and we all have to abide by the majority decision – is that legally binding to each of us? I am concerned that I am being bullied to suit the needs of the Company Secretary.

I think it would be useful for CAGers to list which insurance companies use Albany Assistance for claim management given the widespread reports of Albanys practices which it seems many find troubling, including: Excessive charge bump up for hire cars Requiring fully comp insurance holders (including those with hire car included on their policies) to sign credit agreements Long unreasonably drawn out periods where nothing happens It would seem Albany wont do ANYTHING unless you sign a finance agreement and agree to their inflated car hire. Google: albany assistance claim management problems Please include a link or two, or your personal experience supporting any companies inclusion Heres the first I've found who apparently use them. Please correct any that are wrong Hastings Direct (confirmed by reps of Albany and HD here on CAG) (http://forums.mercedesclub.org.uk/archive/index.php/t-119377.html) (CAG search Albany) Admiral (I was considering Admiral for my renewal) (http://kwaichi.com/2012/07/17/terrible-cold-calling-whiplash-claim-companies/) (http://www.theguardian.com/money/2012/jul/06/albany-elephant-car-crash-claim-excess) Diamond (http://commonvehicleproblems.com/non-fault-accident-been-reffered-to-albany-assistance.html) Now I'm not saying that any other claim management companies are any better, but these folk do seem to me to lead the way to a world of stress, pain and disappointment at a time when you will already have more than enough - quite the opposite of what they should be doing it seems to me. When I pay fully comp insurance, I want service, not grief if the worst did happen.

Hi, I have just found and registered onto this site because of the proceeding thread regarding New Generation Parking Management Ltd. I have just received a "parking charge notice" (PCN) for parking in a visitors bay without a visitors permit. The permits are for a 24 hour period with no return in 48 hours. As I was contracted to work in one of the flats over several days for the flat owner this was no use. The flat owner's parking bay was occupied so I checked with the concierge and was told to display a notice in my cars windscreen stating where I was working, flat number/name etc, and this would be ok. The PCN had four photographs of my car, two clearly showing the notice of where I was working. There was no date or time indicated on the photographs, the pictures probably taken with a hand held camera. I have appealed in writing stating my case as above. I have worked at this flat since February, using the sign, on probably half a dozen occasions without any problem. I am particularly interested in the previous answers regarding the signage being incorrect. Any comments would be very much appreciated.

Hi guys, It's been a while but things are starting to affect my day to day living once again... Here is the background. October 2007 I purchased a laptop from PC World under HFC agreement. July 2013 HFC transferred an account to HSBC Bank plc. In October 2013 this account then got sold to IDEM Servicing. During this time I was in a fee charging DMP paying various debts off, but I killed them off to attempt my own free repayment arrangement, but due to various reasons, I struggled and put it to one side. On 6th January 2014 IDEM served me with a default notice, with a written intention to terminate my loan agreement. I sent a CCA request on the 10th January enclosing £1 and included the revoke access for sending someone to my home address etc. With no response... Sure enough on the 22nd Jan, a "Notice to Terminate" letter came through demanding full payment of balance. I should have kept chasing for CCA but certain issues at home meant it took a back step and i got distracted. .. unusually hearing nothing from IDEM, until just recently. 1st October 2014, a letter comes through the door from "resolvecall" referencing the Idem account with me. But claiming they were contacted by "Arden credit management" to make contact with me to arrange contact with them (Arden.) I have never had any correspondence from Arden Credit Management. This is an Idem account. the letter from resolvecall stated if i did not contact Arden, one of their reps would make a personal visit within 28 days from the date of the letter (1st Oct). Today is the 8th of October and this evening at roughly 5:30pm, a rep arrived at my door... my Dad answered, the guy asked for me, my Dad advised I was unavailable. (I was upstairs in the bathroom at the time but I could hear him talking.) -- this is where I need your help too guys -- I heard the guy, after being told i was unavailable at the time, tell my Dad that he has been instructed by HSBC to make contact with ME so he could then put me in touch with someone over the phone that he held in his hand, to discuss an account I hold with them. Before I could get downstairs, the guy then started to ask if I held any debts at all.. . my dad at this point simply shrug his shoulders, I went downstairs and kindly asked him to leave the property. His response "Do you not want me to put you in touch with anyone then?" I repeated myself. He then said "ok" and closed his ring binder and left. I got his name.. but I have to admit , I am a little shaken up, my heart was doing that fight or flight pounding in my chest. Where do I go from here guys?? Who the hell do I send letters to now? I am still only in a position to offer £1 for any debt that I owe, there is no special treatment here. But did the doorstep guy from Resolve call breach any rules by talking to my dad and asking him questions? I really hope, after all that typing, you find time to offer your advise... Regards David

Hi I have 2 debts that were started in approx 2006 one barclaycard PRA group sold to these in 2015 one abbey loan now with Cabot. both been in a dmp since 2010 and I've been paying monthly to a company. I've stopped that now and I pay direct. But what I was wondering is do I send a CCA to the company which have aquired these debts. One is PRA group sold to these in 2015 and the loan is now with Cabot. Cabot is off credit file and PRA group shows are arrangement to pay as Barclays didn't default me early on like abbey

Hi Guys, Really hoping someone can help me with this as have read several forums now and I'm really confused/worried on what I should do next. I'll give an overview of what's happened and have also answered the questions suggested in other threads below.. .if someone could please help me with this I'd be really grateful: A few weeks ago on 2nd June I parked on what I thought was a side street, there were double yellow lines on the main road and the double yellow lines stopped at the entrance of the side street. There was an office on the left to where I parked which had a gated entrance and a sign attached saying "Private Property" which looks like the area beyond the gate is private. On the left hand side of the road there were also yellow hazard/no parking cones. On the right hand side (the side that I parked on) there were no cones and no signs either. There were also no signs at the entrance of the street which is why I believed it to be a public road. On the right hand side a few yards from the road there is a warehouse type building with "Private Property" signs on its wall, between the wall and the road there is a wooden barrier and between the barrier and the warehouse wall there is an area for cars to park which looks like a private car park for the warehouse which gives the impression that the private property signs are for this area. I parked here for 15 minutes upon my return found a sticker stuck to my drivers side mirror, telling me I've been issued a fine and to contact the number provided for parking advice. I called the number and it put me through to Leeds City Council who then confirmed they had issued no fine. I threw the sticker away assuming it was someone trying to scare monger. A week later I received the attached CPM Letter 1. The letter says I was being charged for not Displaying a Valid Permit but it wasn't clear that you had to display a permit to park on this street and the photos they've taken are at a weird angle. I then looked this up online and sent a letter back to them which was recommended on one of the forums I read, please see attached Letter sent to UKCPM. I have received a letter back and I now don't know what to do next, please see the attachment CPM Letter 2. They haven't answered any of my questions and refer me to a website to review the photos they took online. The information on this is slightly different as online it says the time of issue is 14:29 but the 1st PCN letter says 14:00. 14:29 is definitely not correct as I was back at my car by 14:20. On their signs and 2nd letter to me they've referred to being members of BPA but in the first letter they've referred to IPC. On the BPA site they don't appear to be members. Please can someone advise me on what I should do next, this has never happened to me before : '( I hope I've given enough information. I have some photos of the street where I parked which I'll post below. For tickets received through the post (Notice to Keeper) please answer the following questions: 1 Date of the infringement – 02/06/2016 2 Date on the NTK – 08/06/2016 3 Date received – 13/06/2016 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? - NO 5 Is there any photographic evidence of the event? – YES – please see letter attached (CPM Letter 1) 6 Have you appealed? Have you had a response? I’ve not appealed but I have sent a letter requesting more information and received a reply, please see attachments Letter sent to UKCPM and CPM Letter 2 7 Who is the parking company? – UK Car Park Management (CPM) 8 For either option, does it say which appeals body they operate under. There are two official bodies, the BPA and the IAS – YES its IAS 9 If you have received any other correspondence, please mention it here – no further correspondence as yet. Attached are photos of the entrance to the side street where I parked and different views of where I parked. Attached is another photo showing the entrance to the side street from the main road, Private Property sign, warehouse, the land that looks like a private car park outside the warehouse next to the side street and the gated entrance with the sign on the gate. I hope these photos help. CPM Letter 2.pdf CPM Letter 1.pdf Letter sent to UK Car Park Management June 2016.pdf Pics 1.pdf

Just looking for a bit of advice regards a management company that runs a small estate in Scotland, their attitude is terrible, if you call them you just get put down, I asked them why we are paying the same roofing company to replace the same roof tiles every year just to get told they would tell them my concerns, theres no proper feedback from these people at all. It seems they just send the invoices out and get the money and keep calling the same useless contractors up and sending them out regular. What can be done with these people??

Hi there.. after doing some research online this morning, I see that I am not the first person to fall foul of Ashbourne Management's poor customer service and blatant disregard of their own T&Cs. I informed the company via email that I would be moving out of the area and wanted to know their cancellation policy. I was told to refer to the T&Cs which I didn't have as I was not prompted to download a copy when I registered online for Clifford Health Club & Spa in Long Eaton, Nottingham. On checking their T&Cs it clearly states that I can cancel during the minimum membership period with NO further obligation if I move over 15 miles from the gym and provide written confirmation of this. I have moved over 80 miles away and provided them with my new driving license and also 2 bank statements showing the new address. My cancellation has been refused as they do not accept bank statements and I am unable to provide them with any other documents yet as I have moved back in with my parents and waiting for other docs to come through. I have told them I am not happy as bank statements are certainly a formal piece of ID (lenders and solicitors use these every day!), and by waiting for further documents to come through before they cancel will make me liable for an extra months payments I do not wish to pay (mainly out of principle!). I have raised the issue with the CMA who are now investigating, trading standards have been informed and I have also let the gym in question know. I have numerous email threads with Ashbourne Management but most of my points have been ignored and my repeated requests for their complaints procedure have also been ignored. My next DD is due to go out on 1st November - am I safe to cancel this? Thanks in advance for you help, Toni

Hi I have 2 credit card debts with RBS that are more than 6 years in default and so have fallen off my credit record. They are not statute barred as I make monthly payments of £15 each. I have now received letters from Wescot saying that - 'the account has been transferred to us and your account is now being directly managed by us' It lists the arrangement I had with RBS and says 'this is the arrangement we will be managing on their behalf'. I have not been actively chased for this debt for years, I just kept making the low payments. A couple of times in the last 6 years I made low full & final settlement offers which RBS did not accept. What can I expect now that the Wescot have been involved? I don't know where my Truecall machine is now but will I have to find it and plug it in again?!!

Hi Guys I am looking for a very good debt management company, I came across [removed] are they any good as I want to take out an IVA, after now struggling for a year to get back into work and paying my bills for a year I have finally come to standstill sold lots of my possessions to keep up payments etc. ...so now im at the end just need some help please....are they should I avoid them??? does anyone have a great recommendation???

I have a few queries that I hope people can help with 1) Can a party ask for Additional Information - if a Claim has not yet been allocated to a Track. Can a Court allow Additional Information - if claim not allocated? 2) If other case management issues are held the same time as a Strike Out application wouldn't that prejudice the Strike Out? 3) How long after the Directions Questionnaire should Allocation take place? 4) In Discrimination cases are Assessors needed for a Strike Out - as this could be Final Hearing. Thanks.

Hi everyone, I live in a flat which i have to pay ground rent every 6 months. I've always paid on time over the space of 6 years. The account was setup to have payment requests sent via email, a work email. Since October last year that email address no longer existed, better put i had no access to it anymore. I then received a Payment request through the post demanding what is rightfully owed to them but they have added "Ground Rent Arrears Fee" x4 of them totaling to: £330.00, i disputed this amount and sent a cheque of the original amount due of £200.00 saying there was no access to emails since this had become due. They sent the cheque back and demanded the full payment and still are with arrears fees still being added. In answer to my first letter to them explaining about the email, they said i was bound to the terms when registering for an online billing account that all bills would be sent to that email address only. Do i have any space for argue here? Seeing as the fees are so high every time, i have no means to pay it at the moment due to my working hours have been heavily decreased. Can i argue to the fact of the email account or the extremely high charges? Your help would be appreciated. Thank you.

got a letter from fidelite credit management saying i owe a debt of just under £350 to Admiral insurance company. Well as i have never been with admiral, i phoned admiral up and they have no record on me at all, even there many other companies including Elephant. - my details are not on the entire database. well, today i received a card in the door saying first time visit, call head office/ i was going to email them but the email button on website dont work - so i find this fishy, but seen on here about same company. do i just ignore them as suggested on other threads

Hello all, not sure whether or not this is worth mentioning on CAG forums but will post here anyway in case answers to this question might be helpful to other forum members. I joined 3SixtyFitness, in Newark on Trent, a couple of months ago. I paid for personal training sessions upfront and also signed a six-month contract, with Ashbourne Payments for use of the gym itself when I wasn't training. I rang the gym owner today to tell him that, owing to health issues/family troubles etc. I would have to cancel my gym membership. He said that would be no problem and that I should contact Ashbourne to sort it. I emailed Ashbourne today saying I'd informed the gym owner etc. and that I would be cancelling payments. They then sent me this: Hello The contract that you signed and agreed to online is for a period of six months, to date you have made 2 payments and we require a further 4 payments in order to cancel. Many thanks Ashbourne. Firstly, this is not true. I have actually made three payments, the first two were paid at the same time owing to the fact that I accidentally cancelled my direct debit and owed them, fair enough. Another payment was sent on the first of this month through a new DD they set up. I sent them an email along with screenshots of the payments from my account (and no other details!) and have yet to have a reply. My main concern however is that they want to continue charging me for a service I will no longer use. True, they haven't made me agree to a 12 month contract, but I'm still wondering if requiring me to continue to pay on a contract I want to cancel is legit. Again, this is probably not worth mentioning, but any advice about this would be greatly appreciated. Many Thanks.

Another parking problem and any advice would be most helpful. Last year on the 14th nov at 6.20 pm, my son parked on a car park in Bradford, We have used it several times in the past and understood it to be Council owned, pay and Display 8AM to 6PM Monday to Friday. We went to a restaurant and returned 1hour later and drove away. On the 18th January we received a parking charge notice alleging that a PCN had been attached to window and we had missed time to pay reduced fine. Given the time lapse, we ignored this and other notices from company, Local Car Park Management. Was notified debt sold to MIL collections, then got a form from Northampton court of judgement in default. At this time my son paid to have this set aside and moved case to Bradford. MIL sent witness pack and there are several points i need to clarify if possible. Photos show windscreen of car, no number plate visible and no PCN attached to car, PCN photo taken separately with no details of where it is from and other details for paying it etc missing, photos of car parked on night of 'breach' Raining dark etc. Evidence of signage supplied shows photos supporting signage taken at a completely different time eg it's daylight, trees in picture have leaves on , signage claimed in diagram of car park do not exist either then or now. I have pulled all this together but i'm trying to confirm that photo's should be contemporaneous to car photo's,? if no PCN is issued as claimed, is the gap from November to January acceptable? Sorry for length of this , and if possible details of cases that i can refer the Judge to. Any help would be appreciated

Hello all, I apologise in advance if this is not the correct forum for this problem and hope that someone can point me in the right direction. The problem is I am being harrassed for an energy bill that I do not own. In June of last year (2015) due to my husbands ill health, we closed our business down. The energy was supplied by Opus Energy and up until we closed, the bills were paid monthly by DD. To cut a very long story shorter, Opus were advised, the meter readings were given and I forgot about them a few months later they started calling saying that there was an outstanding debt and my bills were not being paid (I had cancelled the DD when I closed the business) I explained to them again that I was no longer trading and sent them the readings again. It all went quiet again for a few weeks then they started again phoning me saying the bill was getting bigger and I needed to pay it or they would disconnect the supply. In the end I just ignored the calls as it was starting to get me down and I was extremely frustrated they didnt seem to get it that I did not owe them anything, there was in fact a new tenant in the premises. over the past 9 months they have continued to phone me most days, usually 3 or 4 times a day from different phone numbers leaving messages saying they were going to disconnect the services. i just ignored them all. I then got a letter saying that they were instructing advanced collection systems to collect the money and I started getting phone calls from them. I explained the whole story to this woman and I told her that I was seeking legal advice against them for harrassment . I then at her request got a letter from my ex landlord confirming when I vacated the premises and I gave her the meter reading I had. I also told her to pass on the message to her client to leave me alone and that if I heard from either of them again I would sue them. I have heard nothing from her I have today had a phone call from a Bluestone Credit Management regarding the debt which apparently is now £3,500. I havent spoken to them but they left a message. I am at my wits end with this. I really just dont know how to deal with it. My ex land lord confirmed that there had been 2 tenants in the premises since I had left and neither of them had registered for energy. Any help would be so appreciated.

I am a freeholder with a covenant to pay for the upkeep of communal facilities - which is shared with other freeholds and leasehold flats. My Transfer (TP1) does not have an annexed 'right of entry' clause. The service charges are regarded as estate rentcharges (although not explicitly stated in the transfer). I have very good grounds on disputing the service charges, for which I would actually like to the County Court to make a judgement. The management company employed a solicitor firm a few years ago to threaten me into paying all costs. I paid for costs that I thought were reasonable, which they did not accept as a settlement. I expected a county court summons - instead nothing happened for a couple of years and now the management company have employed another solicitor firm. I've asked the new solicitors to go to the county court for a judgment. Instead, they've decided to approach my mortgage company based on section 121 of the Law of Property Act 1925. I understand that under this law, the management company can take possession of my property only to recover the cost of the rentcharge. However, my dispute is that that I have not broken the covenant as the costs I'm being charged for are unreasonable. The solicitors wrote the mortgage company saying that "under section 121 of the Law of Property Act 1925, to obtain possession a County Court Judgment is not required... if payment is not made within 14 days, we will enter into possession without any further notice". My mortgage company has told them that they won't be taking any action (at least for now) and for me to contact he solicitors to sort out the issue. I'd be really grateful if someone can clarify how they can enter possession without a County Court Judgement?

Hi, first time poster here - found this site through searching if others had the same issue as me. Will try to be as concise as possible, but happy to elaborate if this will be useful. My child joined a gym to learn Karate in November 15 and after an initial session, we signed up on a 6 month contract @ £35. This was organised and managed by Ashbourne Management. I then decided to join in January 16 to learn MMA - also on a 6 month contract. Due to working too much, I struggled to make my lesson each week, but kept going when I could. It must be noted the gym didn't pull me up on my infrequent attendance or mention it in any way. As to be expected with young children, my child decided not to go any more. When I spoke to the gym, they told me I had to pay the 6 months regardless so I chose to keep making the payments, but attend a second lesson each week so the money wasn't wasted. The gym were happy to agree to this. I got more and more despondent with the gym due to a total lack of organisation, lessons changed on the occasions I could actually make it and a general lack of interest. As such, and perhaps this wasn't my smartest move, I sent an email to both the gym (strongly worded, bit overly angry, but got my point across) and Ashbourne Management advising I wasn't coming back and wasn't paying any more money. I referred to Clause 2 of the Ashbourne Contract and I quote: "...my right to terminate without liability if the facilities or services you provide fall well below the standard that you reasonably expect us to provide" My issue was that of disorganisation and as such, given I had paid far more than I actually used, I felt the position was square. I received a response from the gym refuting all my points and essentially blaming me for being lazy. When I replied to explain I didn't feel like I fitted in, I never received another response. I then entered into email dialogue with Ashbourne, and stated I only wanted to be communicated over email (and I've responded to every email sent). This has been ignored with both phone calls and texts. I raised my complaint with them who basically disregarded it, told me it wasnt a reason for them to terminate the contract and that I need to pay. On top of this, each letter I recieve has an elevated cost, where the current cost for each month is at £105 - this WITHIN a month of cancelling the Direct Debits. I feel I have paid enough and their Clause 2 facilitates this exit, they clearly dont. My last email to them asking WHY they rejected my complaint has been unanswered for 11 days. I would really appreciate some help on the best way to get out of this, ideally without paying another penny - but I am happy to listen to reason. Also - if anyone thinks I am being out of order and that I should "just pay", please let me know - I just want all of this to be over as the stress its causing me is doing me no good. Thanks for reading.

I notice that there are quite a few Xercise4Less/Harlands threads here already so I'm sorry for adding yet another one! I took out an 11 month membership with Xercise4Less in February 2015 and fully intended to see the contract out. However, over the last few months I have been facing increasing financial difficulty and have now started a Debt Management Plan with Step Change. I need to make the first payment towards my plan of £488 today (2nd November) and having just switched my current account from NatWest to Halifax it has left me with virtually nothing once the payment has been made until I get paid on 18th November. From then on things should start to get easier now I am on the debt management plan and I can start budgeting and saving. There was no way that I could afford to make the October payment of £9.99 to Xercise4Less so I had no choice but to cancel my Direct Debit. I informed my local Xercise4Less branch of this straight away by post and enquired about cancelling my contract early because of the Debt Management Plan. A girl from the branch rang me and said that while they couldn't cancel my membership for that reason themselves, head office should be able to do so, so I have written to them this week and I am waiting for a response. In the meantime I received a letter from Harlands yesterday saying that I owe them £34.99. Octobers payment of £9.99 + a £25 administration charge. I have written back informing them that my contract is with Xercise4Less and not Harlands and that they they are dealing with my cancellation. I have told them that I will not be paying the £25 charge as it is unfair and unlawful. I agree that I owe October's payment and if Xercise4Less don't agree to cancel my contract early I will be happy to resume paying until January 2016, but I will not be reinstating the Direct Debit until the £25 administration charge is removed. Any advice is appreciated.

Hello please need help. I received this, I missed this completely, did not mean to ignore it and got around doing it now. I am confused though, one letter says pay in 14 days another says you missed it so pay 100 but I never even got a sticker on my windshield. please advice what to do next as I don't want to fully ignore it. What letters to write etc. Thank you very much, You helped me before and I know I can count on you guys. Tomas CPM UK PNC.pdf

My Mum owns the freehold to her flat - one of 16. Most of the flats are owned as second homes (It is at the seaside) The management committee have a rule that the flats cannot be commercially let/ rented - they can only be occupied by the owners and their families. My question is: is such a rule enforceable ? Thank you for reading !

Hi all, Thanks for giving this a read. Please let me know if this is not in the correct sub-forum and I'll flag for it to be moved. I'll try and keep this short and succinct: We have just returned home from our time away in another city for work and we kept our car in the private residential basement car park for our building - key fob / building access is required for entry. We noted that a number of external components had been stripped off our car and taken. The interior was not broken into as far as we could tell. Additionally, the wires to the CCTV unit which overlooks the whole car park had been cut and the unit taken away. The car park itself is quite small - fits about 8 cars and is rectangular in layout. We did what we could on a weekend: informed the police, put up posters and notices around the car park, and spoke to our neighbours. One person reported that the CCTV unit had been missing for more than a month. We also e-mailed management with regards to this footage and to also inform them that the security of this car park is compromised. The question: would 'management' be liable in this incidence? We pay a fairly significant monthly premium to them - £50 (an official letting agent) - in addition to rent, for a parking spot in this car park yet we were not warned to park at our own risk, nor are there any signs to highlight this. Plus no signs to highlight active CCTV monitoring. One would think that for such an additional amount, there would perhaps be more attention to maintaining the security of this car park (occasional checks of CCTV camera for faults, for example). I agree that parking the car down there for 4 weeks without checking it is questionable, but in consideration of the fact that we were away for work and such a car park requires key-fob access, there was a CCTV, it is private and in the basement, this may perhaps be forgivable. We are waiting for management's reply - hopefully by today, but just posting this in preparation for the direction we hope to take. Thanks in advance for your thoughts.

Hello, I am writing on behalf of my granddaughter who received a PCN from a management company as above subject (PCM) for not displaying her permit. Her car had been in for repairs and the permit on the floor of the car. She wrote to the company and explained; but she received a refusal back. They do not dispute she holds a valid permit but the "operative was unable to determine whether the car was allowed to park there" . They say in the letter she has a number of options:- Pay the £60 charge within 14 days, if not it increases to £100. If she believes the decision is incorrect she can use www.theIAS.org to appeal. If she uses this service the offer of a discount would be withdrawn! She is 19 and gets the minimum wage. Her mother purchased 3 of these parking permits when she moved in last year. Does my granddaughter have a leg to stand on. Any help would be gratefully received. The letter from them is dated 23 March so the 14 days has gone by because she said she didn't think she could do anything about it but I said I would get some advice from you.

Hi, Looking for some advice for my 83 year dad who signed a contract during a 2 min meeting with "agent" ( no copy left ) from a CMC in his home in Scotland but has clause saying English Courts have jurisdiction. First things first they have demanded payment immediately since day of settlement!. My Dad disputes fee and service. If they sue for this debt will it have to be at the local Sheriff Court court were he lives or would it be at the County Court in England were the company are based. Secondly would the clause that payment due within 7 days of settlement from Bank or the debt will be passed to debt collectors in the contract be regarded as unfair. many thanks for any help in advance

Hi I'm new to this forum. I've searched for over an hour on what to do today and there's lots of conflicting advice about whether I should ignore my ticket or appeal it. Here's the answers to the questions I think you want me to answer: 1 The date of infringement? 16/4/16 12:21 2 Did you appeal to the parking company? Not yet If no, have you received a Notice To Keeper? (NTK) Did the NTK provide photographic evidence? No 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) N/A 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? N/A 5 Who is the parking company? Elite Management (Midlands) Ltd The charge is for £100 is paid within 28 days and a reduced amount of £60 if received within 14 days. I've heard somewhere on TV from Martin Lewis that all I have to do is offer £5 for trespass. Is this true? £100 or even £60 seems rather a high amount for what was a quick stop in a car park. Admittedly the parking space was for staff of HBOS but there were lots of parking spaces empty and the same when I returned so it's not as if I was causing any problems to them although I appreciate it was a bit cheeky of me. What would should I do? Should I reply and appeal within 14 days or pay within 14 days or ignore or offer £5 or what? Thanks, Paul