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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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Trying to get out of trouble!


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I'm finally starting to get my credit file looking better but I now feel I may need to start a DMP.

 

I can probably just about pay bills + debts but I'm struggling and in Feb I *may* be going to uni so my income will reduce to about half.

 

I pay the household bills through my bank account and my OH pays me his share. How would I work that into a DMP? Would I ignore his money and budget only my half of everything etc?

 

My debts are:

Natwest loan - £5000

Credit Union loan - £1550 (paid through wage so isn't an issue yet)

Avant loan - £1900

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tell us about the debts 1st please

 

are these still with the original creditors or with DCA's

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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use the offer letters in the DCA section of our library

the one that says please freeze all interest and charges etc

offer them a reduced PCM figure

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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  • 4 months later...

I'm off to uni in Feb 2018 to study nursing and I'll be there for 45 weeks of the year.

 

My plan was to stay at work for 23 hrs (2 shifts) a week but that isn't looking possible if I need to be in uni 4-5 days a week.

 

I can't survive on just the loan alone so I do need to work, therefore I will stay on the bank and work as much as I can.

 

I have 6 low balance / credit high Apr credit cards that I'm hoping to clear before I start.

 

My issue is with my loans / overdraft.

 

I have:

Natwest loan @ 4500 (189 per month)

Natwest overdraft @1250 (a student account so no fees)

Credit union loan @ 1250 (120 per month)

JD Williams @1600 (55 a month but should be more)

 

I'm thinking my only option is to default but scared of ccjs. Anyone go advice or experience with these companies?

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original creditor don't take people to court.

 

pers id be getting ALL your income out of natwests hands as they could legally offset.

 

open a parachute account and get your income/student loan paid in elsewhere.

 

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

not what you say in post 2?

 

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 don't start uni till Feb 2018 so don't have my loan yet.

 

I convert to a student account so I wouldn't be charge for my overdraft.nothing goes in or out of it at present.

 

I am trying to find out what my best option would be come Feb. I'm looking at just defaulting but would like to know if any would go for a ccj even though I rent.

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so as post 3 then.

 

whats renting got to do with a CCJ?

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

oc's don't do ccj's theyll sell it on first

cant see it being an issue that quick

but wont a default hurt you too?

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

So I've started the ball rolling:

 

1) Emailed my credit union to see if they can refinance my loan to half from £120 to £60 a month, I have just over £1k left to pay off.

2) Cancelled my Natwest Loan DD and plan to pay them £50 this month.

3) Worked out budget til March 2018 when my credit cards will be paid off.

4) Contacted Payplan to start a DMP.

 

What I still need to do:

 

1) Contact creditors to let them know I am entering a DMP.

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why bother...

they soon findout!!!

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

  • 3 weeks later...

So Natwest are deciding to be difficult.

The details Payplan gave them aren't the same as they have for me (not true)

so won't give Payplan up to date balances etc,

they want to me to go into a branch to sort it out

- no chance!

 

Think I am just going to write them a letter,

the reason I'm using Payplan is so I don't have to deal with my creditors and all the stress/pressure etc

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That's a pretty big assumption, that L/Ls aren't much concerned about defaults. Given that OP is thinking of defaulting on all his credit cards/overdrafts in one go many L/Ls might be very hesitant about having him as a tenant.

 

Generalising about what L/Ls think of defaults wasn't really my point though. OP appears to be under the impression (post #10) that rental credit checks wouldn't show defaults so L/Ls wouldn't know if he defaults them all now. But that's not correct.

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It's not an assumption.

 

Generalising yourself does not help either

- I have been in the same situation and had defaults and renting was not a problem with 9 out of 10 agents.

 

Also I never said that letting agents don't see defaults, just that it's not their main concern.

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  • 2 weeks later...

Letting agents are not financial institutions so therefore only see public information

they can not see your account history.

Getting a mortgage on the other hand is almost impossible.

 

So I've made my first DMP payment.

 

Very have passed it to their in house DCA but still sent me my monthly statement

JD Williams are just reminding me I've overdue for a payment

Natwest nothing so far they have only added my monthly interest.

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