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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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Spiralling Debts DMP


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Hi Guys

Sorry Ive been meaning to get to this but have just not had the time. I am looking for some help on some debts that i have, things are getting out of hand and i feel i can no longer manage them. I was looking at a DMP but one of the other guys on here said to set up a thread before i go down that route. I'll start off by listing the debts i have and with who and then see what you think.

 

Creditors:

Aqua Credit Card: 475 (25 in arrears)

Barclaycard: 450

Capital One card: 450

DRS Ardent Credit: 375

Lending stream: 847

LLoyds Credit Card: 1200

LLoyds Overdraft: 1200

Lowell Financial: 3371

On Stride Financial: 1154 (this is increasing)

Satsuma: 1033 (also increasing)

Sunny: 403

Vanquis: 1100

Mr Lender: 1000

Moneybox: 200

SafetyNet: 750

 

Even typing this out makes me feel worse

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For all the pdl's start a thread in the pdl forum and investigate some irresponsible lending claims

 

As for the others

Are they still with the original creditors or with dca's?

How much

When taken out

Ar

Defaulted date from credit file

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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Oh and i forgot to mention that i have outstanding amounts with First-Utility & Southern water of 750 & 300 respectively.

 

I should really chronicle what first utility did to me, they tried to [problem] me out of 1200 but thats a story for another day

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Creditors:

Aqua Credit Card: 475 (25 in arrears) ---- Credit Card Still active

 

Barclaycard: 450 ------ Credit Card Still Active

 

Capital One card: 450------ Credit Card Still Active

 

 

LLoyds Credit Card: 1200 - ------- Still Active

 

LLoyds Overdraft: 1200 ------ Still Active

 

Vanquis: 1100------- Active Card

Edited by dx100uk
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Off the main forum tab top left

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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Ive removed all the pdl's from your list

 

Are these others left all still with the OC'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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Share on other sites

Have you considered a Debt relief order?

 

Why does he need a millstone around his neck?

 

90% are pdls probably subject to irresponsible lending claims

 

And i bet all bar the OD are the same 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

owned and active

 

pers id be writing to each of those left in the list above

 

there is a pro rata offer letter in the debt collection section of our library.

 

no need for anything else

they should/must HELP you

 

as for the PDL i'd be sending an irresponsible lending claim to each one

the details of wha to do are in the guide on the PDF forum homepage

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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