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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • 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.  
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IVA or Continue to fight


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Along time has passed and various debts have been resolved

it’s time for me to make a decision on the remainder

I can finally look to moving on and hopefully getting a mortgage again in the future.

Bankruptcy is not an option for me due to my business!

My remaining debts are as follows.

Many have dropped off my credit file as I was in a previous joint IVA that failed when I divorced my ex partner.

IVA Failed 2014.

On Credit File - house repossessed 2014

Mortgage Shortfall - Leeds Building Society £70k joint mortgage-

Requested SAR all appears above board

- Offered Settlement of £7k to release me of liability they have accepted (seeking advice as to legalities of this)

Not on credit file anymore are -

 

Cabot - Egg - £6,860 CCA request ignored - last payment in IVA 2014

(Letter asking for balance to be addressed today, on advice I’m ignoring)

 

Dryden Fairfax (max recovery) Hsbc and MBNA card £16,540

- last payment in IvA 2014

- £1 token payments being made as made the early mistake!!

never sent CCA.

Fredrickson International - capital one card £870 - CCA request not sent, £1 token payments made.

All £1 payments made on the early Advice of StepChange.

4 other Debts now closed after CCA requests (thanks to this forum) letters filed confirming accounts now closed!

A month ago I was speaking with Payplan and I have had an IVA proposal drawn up covering all these debts as I now have a surplus income I can put forward.

However my parents have offered me £10k to try Clear all my debts! And start again.

Obviously only if this puts an end to it all!

But I’ve no idea what to do. Im wanting to move on and hopefully get a mortgage again in the near future.

The mortgage can possibly be settled, and I’m thinking of offering full and final settlements to the debts I have, or should I just opt for the IVA if accepted.

At least then I know the liability to the joint mortgage would legally be clear! In another two years my credit file would in theory be clear, obviously in an IVA id be waiting another 6 years??? I’d rather not opt for the IVA.

I have no assets and currently renting.

What are people general thoughts?

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go have a holiday with with that money

don't line fleecing DCA's pockets.

 

on the ones that have failed the CCA test - you HAVE stopped paying havent you?

 

on the others, why have you not sent a CCA request where applicable?

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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Stopped paying all that failed CCA yes,

didn’t send a CCA to two of them as they left me alone

 

gave me chance to sort out my business and get life back on track,

 

I should really send these 2 a CCA just don’t want to rattle their cage, I know I should and I will ASAP!

 

In regards to lining their pockets

i do understand

I Just want it all dealt with and over

 

feel I will never have my own house again at the moment and really want an end in sight,

don’t want to keep having to dodge them and send new letters when debts sold on etc etc!!!

I’d love to be able to come home after work and not be scared when I see a letter on the floor!!!

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but if they've failed the CCA there nowt they can ever do.

 

paying the debts off wont remove the defaults you have

and wont make your file any more acceptable toward a mortgage.

 

the defaults and thus the debt drops off on the 6th birthday of the defaulted date in the summary.

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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