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    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! pcn front.pdf pcn back page.pdf
    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
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Arrow/reston & old Santander store card Debt - did I&E now they want £150PCM


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My wife has been paying £10 per month to Restons for well over a year to clear a credit card debt with a current balance of approx. £1,500.

Restons asked my wife to fill out a financial statement which she did on line,

they have now increased the payments to £150!!!

My wife is an agency worker with no guarantee of work so the fact they have increased the instalments is due to my income.

Can they increase the monthly instalments based on my income when it's not my debt?

Just to confirm Restons are acting on behalf of Arrow.

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Any CCJ on the debt ?

 

If not, then never a good idea filling in those forms at all or with much information.

 

They are saying that your wifes position supported by your income, means there is £150 per minth available towards the debt

 

The debt in her sole, if it went to court would just look at her income.

 

Suggest she writes back telling them she finds it unacceptable and she does not have personal scope to pay £150 a months due to nature of employment. She will therefore maintain the previous arrangement of £x

 

But can we have more info, before this action is taken. Was there a previous thread on this debt ?

We could do with some help from you.

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Thanks for your quick response. No previous thread on this, definitely a default but we don't think there's a CCJ. She has a CCJ registered in 2012 but think that's for a different debt.

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Time for a CCA request ? Particularly if the account was originally taken out pre April 2007.

 

With remarks like "dont' think", perhaps you need to ask them for info, otherwise you will end paying different amounts not knowing what you are paying towards.

We could do with some help from you.

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

 

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whats the original debts all about?

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... 

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Thread moved from Debt Collection Library to Debt Collection Agencies Forum.

 

Andy

We could do with some help from you.

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Who gained the 2012 CCJ?

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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arrow/restons

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... 

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Share on other sites

Sorry guys but been unable to reply my posts earlier in the week, it was for a Santander store card.

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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when did she take it out

 

sounds like they are cash cowing her

 

I bet you've never once asked to see the enforceable agreement via a CCA request?

 

just blindly fell for the threat-o-grams and though they were bailiffs rather than absolutely powerless DCA's?

 

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... 

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Share on other sites

I really don't know, I'm sure we did fight it and request the CCA originally but I think they did register a CCJ and my wife set up a £10 standing order but now they are taking the mick!!

 

Do we re-request the CCA or just write a letter saying my wife can't afford the extra payments and my income should not be taken into consideration as it's a sole debt or just ignore the letter?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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what do you mean you don't know if theres a CCJ on it?

 

surely you have paperwork other than this recent letter?

 

if there is

it will be on her credit file

unless she took the contract out at a differing address and that's not shown as a linked address on her crdit file

or it was under her maiden name?

or it was more than 6yrs ago and has dropped of the records?

 

more info needed here...

 

why don't you scan this letter up

read upload and use PDF only please

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... 

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Thanks, will do some digging first and find the old paperwork!

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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  • dx100uk changed the title to Arrow/reston & old Santander store card Debt - did I&E now they want £150PCM
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