Jump to content


  • Tweets

  • Posts

    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Student Loan debt in NZ, Living in UK


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2058 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've had a student load in NZ since 1996 and never paid anything off.

I have lived in the Uk for 15 years and

 

recently I was contacted by a collection companany called CCI representing IRD and saying I owe NZD 36,000 and need to pay now.

 

After advice from a lawyer,

I have decided to apply for bankruptcy in NZ.

 

Now, my question is,

do I make contact with IRD and/or collection agency informing them that I have applied for bankruptcy as have no way of paying loan back?

 

I am worried they will continue putting pressure on me now they have found out where I live.

I have no assets,

earn a low income,

an a single mum etc so really have no way of paying anything back.

Link to post
Share on other sites

guys I need advice. I have a student loan in nz dating back to 1996. No payments made. I have lived in uk for 15 years with no intention of going back to nz. I owe $36,000. Should I declare myself bankrupt in nz? I think its my only option as I have no assets and a low income.I have looked on the Insolvency website in nz.

The IRD's collection agency in UK, a company call CCI have found me and are hounding me. Should I make contact with IRD and/or CCI and explain that I have no money and will be declaring bankruptcy in the near future.

Link to post
Share on other sites

This is a UK site. Not sure anywhere here will know enough about NZ student loans or NZ bankruptcy processes. If you have spoken to a NZ Lawyers and they are dealing with bankruptcty, you should not be contacting any debt collectors. Just wait until you have sorted out the bankruptcy. Then once that is going through, the NZ creditors owed the money will be contacted and debt collection should stop. If it does not, then pass on letters to whoever is handling the bankruptcy.

 

Debt collectors have no powers and you can ignore them. They can threaten allsorts, but they would need to spend money going through a court process to have any debt enforcement options.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

if you are going BK solely over this stupid powerless DCA chasing a NZ debt from 1996 id stop the process now and not waste anymore money doing it.

 

there is absolutely nothing a powerless DCA can do whatsoever about the debt.

they ARE NOT BAILIFFS

and as with all DCA letters not matter what country the supposed debt originates from...they can be TOTALLY IGNORED.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 months later...

 

 

Hi Kiwigel,

I am just wondering if you have gone ahead with filing for BK and if so did you file in the UK and include your NZ loan, or did you just file in NZ?

 

I have debts that I can not clear here in the UK and no assets so have been advised to file for BK, but have been informed that I need to include all debts including my NZ student loan. I contacted insolvency NZ, who told me they are unsure if a UK BK will be accepted by NZ, meaning I may have to file a separate bk in NZ to cear my NZ student loan (so, file for BK in both countries). Why they are unsure I don't know, given all the postings on the internet about overseas kiwis filing for BK to get out of NZ student loans surely Im not their first case of this nature?

Link to post
Share on other sites

start a new thread

and start one of your own please

I question the need for anyone to go BK in the UK let alone NZ

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

i

 

I only applied for bankruptcy in NZ and it was accepted thank goodness. Its very simple to be honest. I did it all online from the UK. The NZ Insolvency Website is very good.

 

So far so good....it has not affected anything in the UK. I had heard sometimes they contact your bank in Uk but nothing so far. It went through very quickly also. Within a few weeks. I only had the student loan debt. Ask me anything you need btw.

Link to post
Share on other sites

  • 7 months later...

Since you kindly offered to answer questions about this I wanted to ask for an update on how your NZ bankruptcy is impacting on your life in the UK?

 

I am considering applying for NZ bankruptcy and it's been hard to get any useful information on what effects this would be likely to have on my life in the UK so any insider info would be much appreciated!

 

I'd be particularly interested in what UK financial documents (bank statements, payslips, etc.) you had to provide and how much contact you've had with the administrator since that initial application process (do you have to provide regular updates, etc?).

 

Also, did you have to sell any assets and are you having to make regular payments during the term of your bankruptcy?

 

Thanks in advance.

Link to post
Share on other sites

if you go BK in NZ that's it dead done

cant effect anything here and know one knows about neither do you have to tell them

kwigil has new returned to cag.

 

thread now closed to stop newbie bumping

 

anyone with a similar issue that has their own issue after reading this thread carefully

then start a new thread

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2058 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...