Jump to content


  • Tweets

  • Posts

    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as 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 and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • 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

New Zealand Student loan living in the UK


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3513 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 been a real ostrich about my student loan in NZ ( which I know is very stupid!!).

My loan dates from the late 90's and I worked in NZ in 2000 & 2001 and made payments through my tax.

 

I've been living in the UK since 2001 and haven't made any payments since living here.

I'm finally taking control of my dire financial situation and would like to do something about my NZ student loan,

but I'm terrrified of getting in touch with the IRD incase they want me to pay back thousands every year......which I just can't afford at the moment.

 

Would I be able to arrange some kind of payment plan with the IRD?

I'm not planning on returning to NZ anytime soon but i've been reading stuff in their press in December about how they're going to crack down on the overseas avoiders.

Any advice on how to go about trying to sort it out would be very much appreciated.

Link to post
Share on other sites

  • 2 weeks later...
  • 9 months later...
  • 5 months later...
  • 1 year later...

Hi,

 

Try:

 

bailii.org/ew/cases/EWCA/Civ/2009/46.html

 

oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

out-law.com/en/topics/dispute-resolution-and-litigation/enforcement/enforcing-foreign-judgements-in-England-and-wales

Link to post
Share on other sites

Hi,

 

Try:

 

bailii.org/ew/cases/EWCA/Civ/2009/46.html

 

Not quite sure why you have posted a couple of links, one regarding an harassment case and other OFT debt collection guidance, without any comments explaining how this relates to this thread. Plus what advice you are offering to the person who raised the query.

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

hi,

 

I thought these links might be useful/interesting to those facing NZ student loans demands- one has a template letter. If you disagree please feel free to remove them.

 

Have a good weekend.

 

It was the lack of any comments to go with the links, which could have provided some guidance as to what you would do in this position.

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

Hi,

 

To be frank the lack of comment is because I don't know what I'd do.

 

NZ students loans are fraught with risks whatever you do.

Ignore it overseas and NZ Govt charges commercial interest (6%-8%) plus penalties and demands a chunk of the capital back per year

- a potentially huge amount running into £1000s plus per year.

Make minimum payments then miss a couple and you face the same problem because of the interest/penalties.

If you make the payments, if your UK wage is average forget replacing a second hand car, owning a home, having a holiday (visiting your folks in NZ) etc and hand over the money to NZ govt instead.

 

Its a big headache for NZ Govt as NZ students now owe circa $14,000,000,000 in unpaid loans-more than the entire national debt.

 

Legally speaking whether they can enforce in the UK is a question of UK law as well as NZ law

- hence the links if people want to research what the UK law says

 

there may be some hurdles there but then again there may not and they may find the only option may be to pay or face bankruptcy or losing income/assets.

People need to make up their own minds what to do.

 

One thing is for sure it seems to be getting more draconian as NZ Govt gets more desperate to turn the screw on its ex-students:

 

nznews.co.uk/migration/?id=40646&story=Budget-2013--student-loan-defaulters-could-be-stopped-at-the-border

Link to post
Share on other sites

Your comments confirm the reason I asked the question about what you would do.

It is OK posting helpful links, but the question is that how do I use the information.

 

I am not an expert on the NZ student loan scheme, but I would hazard a guess that such debts can be enforced for a very long time and are not subject to standard statute of limitations.

 

This being the case, it really depends on whether the OP would be returning to NZ to live there, as I just cannot see the NZ loan scheme people trying to enforce the debt through the UK courts.

 

It is not whether they could enforce the debt in the UK, as I expect they could if they wished to do so.

But would they be prepared to incur costs, when perhaps they may not recover these.

I suspect that they just get debt collectors to hassle people and enough people start repayments, for them not to bother taking some people through a court process.

 

This thread was started in 2011, so I doubt the OP will say what action they took in the end.

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

Hi

 

I can confirm that the NZ govt has begun pursuing Student Loan debt in the UK by debt collector. I have received letters from CCI Legal regarding this. As I can't pay what they're asking, I'm following this forum closely. Its not clear to me the approach the collector will take, but it's clear they have not bought the debt from the NZ govt.

 

The NZ govt claim that for every $NZ1 spent on debt recovery they get $NZ11, which suggests to me they are currently willing to go the distance on this.

 

I'll update my progress (If I can call it that) when it happens.

 

J

Link to post
Share on other sites

Hi - I've been contacted by CCI legal as well after years of pretending my two years of loans in 1992 and 1993 would go away.

I borrowed $7,000 each of those years which has ballooned to $70,000.

Not sure whether declaring bankruptcy in NZ is the best option here.

I've got Inland Revenue in NZ calling me back in 3-5 working days to discuss further.

Did you make any 'progress', Goulet?

Link to post
Share on other sites

Hi Donna

 

I am now up to my third letter from CCI legal.

 

The first, declared that they have found me.

The second declared that if I dont reply within 7 days they would take further action.

The third told me if I did not pay up then they would instruct the NZ govt to take action within NZ and listed various NZ-type actions.

 

I suspect that this is the required precursor to taking any action in the UK.

Of which, it is not clear to me whether they can or cant take any action.

Unlike UK/Australia, I dont believe there is a reciprocal UK/NZ agreement about enforcement of debt action.

However, this might not be necessary.

 

I am in a position where I have no assets/savings.

My student debt has ballooned above $NZ100000.

I think I will probably make an offer of a regular indefinite payment.

However, I havent decided on how much yet.

 

Anyway, I hope that you have had success in your discussions with NZ IRD.

 

cheers

J

Link to post
Share on other sites

I think you should get some debt advice from someone qualified in NZ. I would suggest that you don't make any offer of payment, until you have received the advice.

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

  • 2 months later...

I finally got in touch with the NZ IRD.

 

As I have stated previously, I have not made any payments on my student loan since leaving NZ in 2002.

As, expected my loan has now spiraled to the ridiculous sum of $114,000 (I think it was around the $42,000 when I left the country).

 

I have had penalties whacked on top of it and am 14,000 in arrears.

I am also being charged $5000 interest on it every year, so I am going to be stuck with it for a verrrry long time.

The person I spoke to was actually very approachable and helpful in explaining the way forward.

 

If your loan is over $30,000 then you have to pay back a lump sum of $3000 by the end of each financial year.

There is a chance that new government legislation could increase this sum to $5000. Great.

 

I have also agreed to a reasonable payment plan to chip away at the arrears.

There is also a financial hardship option if you can't afford to make payments to clear arrears,

but you would need to show bank statements etc to prove this.

 

I have never been pursued for my student loan debt since living in the uk,

I think this was probably because they had no idea where I was!

 

The only real reason that I decided to get in touch with them was that I am returning to NZ next month for a holiday and I was genuinely worried about the hassle that I would get while I was there (or trying to leave!)

- there has been a lot in the media about cracking down on those who have been avoiding loans,

and I know of quite a few people in Australia who are now being pursued by debt collectors for their student loan debts.

 

I guess my advice to other kiwis in the same boat would be to bite the bullet and get in touch with the IRD as the debt will only continue to spiral out of control, or you could just never return to NZ and hope that don't catch up with you over here!

Edited by citizenB
Link to post
Share on other sites

Under what New Zealand or international laws can the restrict your right of free movement, by taking such actions about student loans, as arresting you at an airport while on a visit. I would think that this would be breaking international laws. Debt in most countries ceased to be criminal decades ago.

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

The Student Loan Amendment Bill (No3) had it's first reading in NZ parliament in August 2013.

The Bill proposes to make it a criminal offence for student loan borrowers living overseas to knowingly fail or refuse to make reasonable efforts to repay their loans.

 

It proposes to allow the IRD the ability to request an arrest warrant for persistent defaulters who attempt to leave the country after visiting for a holiday.

It also proposes to give the IRD greater powers in obtaining the contact details of borrowers from third parties.

 

The bill passed it's first reading 61-59, and was referred, in November, to the Finance and Expenditure Committee who are due to report back to parliament on the 27th February 2014. It's a very real possibility that this will become law.

 

The budget of June 2013 signaled that the NZ government are serious about chasing people up,

and gave the ok for private debt collectors to pursue loan defaulters both in Australia and the UK.

The government are also allowing for a greater sharing of information between border control/customs and the IRD.

Edited by donnahaywood
Link to post
Share on other sites

There is no way that in the UK this type of law would be passed. It would cause a riot. I had no idea that New Zealand had been taken over by extremists. I suppose that if the non repayment of loans is causing a large impact on the countries finances, they have to take some action. Probably better to gain agreements with foreign governments so they have an easier way of accessing the foreign courts, so they can enforce repayments. I am sure the UK would like to be able to recover student loans of UK citizens living in NZ and Aus in the same way.

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

Yes, it's a scary situation that they are trying to legislate against debt like that.

 

Last week the NZ Prime Minister went to Australia to try and negotiate a deal with the Australian government to allow NZ to have access to their tax records, so they could find people who are not repaying their NZ student loans

 

- it's estimated that kiwis living in Australia owe about $350 million in unpaid student loans.

 

I guess their hard handed tactics are working for them though, as apparently there has been an increase in people (like me!) contacting IRD and setting up repayment plans.

Link to post
Share on other sites

Just curious - Will this legislation be retrospective or apply only to NZ Student Loans taken out after (if) it gets passed as law?

 

Presumably there would need to be something referring to the amendment included in any loan agreement signed by new student borrowers.

Link to post
Share on other sites

The amendment to the student loan bill applies to anyone with a student loan who is not repaying it or is continually avoiding contact with the IRD.

 

The new legislation would give the government/IRD greater powers to get borrowers to repay their debt

- it's about changing the laws of the country to allow them to pursue student loan debt in a more aggressive way,

 

so I'm not sure why they would have to amend individual loan agreements.

Link to post
Share on other sites

What is to stop someone with dual nationality, having got a passport where they are resident, in using their foreign passport and not their NZ one. If they did this then surely the NZ border people would not pick up any student loan issues. Just a thought.

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

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3513 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...