Jump to content


  • Tweets

  • Posts

    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
  • 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

I'm worrying about my Partner's debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3606 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

Hi :)

 

I'm trying to help my partner,

who's been living with me but has ignored debts of approx £10k for a minimum of 6 years

which accumulated before my partner arrived in my life.

 

My partner with encouragement has tried general counselling but it wasn't long enough time spent to get to the root of the problem.

 

Is reluctant to seek further help.

 

With a MH condition I'm wondering if it might be possible though to get MIND to help....

 

Doesn't want to file for bankrupcy though.

 

Been out of work, then my carer so can't afford to pay loans back.

 

Is there a risk at my home of bailiffs?

 

Are there any other options I can steer my partner towards?

 

Any ideas are appreciated, thanks.

Link to post
Share on other sites

best policy is check his creditfile

 

what shows

 

and why are you worried

are you getting letters?

 

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

In order for bailiffs to visit your home the creditor would of been to court and got a CCJ

even if they got a CCJ there is no right of entry no force for a high court enforcement officer to a residential address

You do not need to open door to them

 

If your partner has gone 6 years with no payment on the accounts they may be statue barred

 

If there was going to be any court and CCJ I expect they would of done it years ago

 

Check the credit file noodle is free

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

Link to post
Share on other sites

Thanks for your replies, I'll check his Noddle credit file. (Having a look at the moment... it wants to identify him by his bank card and wants numbers is this normal?)

 

No I'm not getting any letters, phew!

 

I'm so glad to hear there is no right of entry to a residential address. I had contemplated I could get stress at my front door. Big phew!

 

There has definitely not been any payments made.

 

This 'statute barred' looks very interesting.

Link to post
Share on other sites

its for verification

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

Ahh okay thanks. It looks like a clear Noddle report at current address but need to check on a previous address which seems to take a further month to obtain on this account. Then hopefully we will know if there were any court actions.

Link to post
Share on other sites

so all his past addresses are not showing in linked addresses?

 

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

Trust online will show up any current CCJs ( there is a charge for this).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

No there's no linked addresses, we've had a look through all the different sections. We've had to edit his current profile address on Noddle to an old one where he had the loan so that when it does a monthly update it will show anything outstanding at his previous address.

Link to post
Share on other sites

How much do they charge for checking CCJ's?

I believe it's around £4.00 per address, But the system is accurate and up to date.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I've searched Trust online in the Orders & Judgements section and I'm pleased to find there is nothing registered.

 

But what if a CCJ was registered prior to these 6 years? I guess I can't check anywhere prior to 6 years can I?

 

I found this article through Googling 'statute barred'.

 

http://www.debtwatchdog.com/statute-barred-debt-england-and-wales-Article-215.html

 

So have I got this right?

 

If a CCJ has been registered before (but not currently on the list) this means statue barred does't apply, so the loan company could pester him in the future.

 

But if a CCJ has never been registered before statue barred does apply, the loan company could still pester him in the future but would only be successful if he was to admit he owed them in the first place.

Link to post
Share on other sites

if anyone does not enforce a CCJ in the 'allowed' 6yrs

then it extremely rare for enforcement to be granted outside of 6yrs

 

I think you are worrying about nothing.

 

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

I think you can safely ignore any threat of court action now, there has been plenty of time for any action to be taken.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

*Shocked.......* Wow!

 

I can't understand why they wouldn't have registered a CCJ.

 

But I guess if my partner didn't respond to any letters and no payments were made

and then my partner moved to a different address they gave up trying to find him.

 

Wow thanks for helping me put things into perspective. *Relief*

Link to post
Share on other sites

the CCJ will always be registered

 

however it over 6yrs so drops off CRA file.

 

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

I've got the dates muddled up.

It was Sept 2008 my partner was made redundant due to the company closing the branch. This was when my partner was unable to make payments. So if a CCJ was registered it would have been just in the period after redundancy, so it would still show on the list waiting to come off. So then a CCJ might not have been taken out against my partner? :???:

Link to post
Share on other sites

I've got the dates muddled up.

It was Sept 2008 my partner was made redundant due to the company closing the branch. This was when my partner was unable to make payments. So if a CCJ was registered it would have been just in the period after redundancy, so it would still show on the list waiting to come off. So then a CCJ might not have been taken out against my partner? :???:

Possibly yes. Did you check previous addresses (if any)?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 2 weeks later...

Yep I checked his address where he was living at the time and nothing was registered. (It just sounded like too much of a miracle ending, I couldn't believe there would be any law on the side of the people in this day and age.) Thanks so much for putting my nightmare problem into a new perspective. Much, much appreciation.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...