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    • The sticky thread is locked because it's just a template thread. We need to see the invoice you're disputing. And for you to answer the questions below (I'm guessing this is an ANPR capture, the vast majority of tickets are) -   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up both sides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY
    • Perfect, thanks Dave.   You're right, a whole dodo storm this has been. As sons of first-generation immigrant parents, whenever something like this happens the old man panics. There was a whole "appeal this now" because my dad paid for the parking as he was with the hirer at the time and he isn't as tech-savvy as my brother so he ended up doing what he did and because I don't live there anymore it came all the way down to this.  But yes, we'll do this SAR and see what comes of it.  Will keep posting here with the hopes that it may benefit someone in the future.  Thanks again, everyone. 
    • saying the thread is locked, what shall I do?
    • Please fill in the forum sticky and upload a copy of the invoice, redacted of anything that could identify you -  
    • first time to use this forum, so a bit clueless got a PCN from Horizon, saying that "exceeded ma stay period" any template for me to make appeal please?
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Scottish Debt from 2002/3


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I left Scotland in August 2002, leaving behind me a substantial amount of unpaid debt.

The date of first default on all of them except my student loan would have been September 2002.

 

I lacked the foresight to inform my creditors that I was going overseas – I wrongly thought it best not to.

However, from communications with my father and former work colleagues they are well aware that I left the UK.

 

For the past 16 years, I have resided in Asia.

I have not heard a whisper from any creditor during the entire time.

No letters, no calls, no emails.

The last is quite odd as several of them did have my email.

I was quite careful for the first 5-6 years overseas and avoided opening accounts in my name or applying for credit.

 

For the last 10 years though, I have had multiple bank accounts in many other nations as well as brokerage accounts and investment properties.

I have also contacted HMRC and had tax I overpaid refunded without issue using a UK C/O address.

None of this has produced contact.

 

As I am not in the UK (though I have visited), I have never been able to check my credit report or use the registry trust site to review my credit file.

It would be pointless now anyway, as the debts should have fallen off the record long before.

 

I was, however, curious to learn if any creditor ever went to court in Scotland based on my last known address and obtained decree at the sheriff court against me in my absence.

 

Yesterday, I contacted the sheriff court for the city I lived in for my entire adult life and of all the creditors, only one (the bank loan) had gone to court.

However, they simply raised an action in 2003 and did not proceed to obtain decree.

 

I presume and am hoping that this means I am in the clear and all the debts have been extinguished under the prescription and limitations act 1973.

My main concern is that some legal action may have been taken in other courts

– meaning courts elsewhere in the UK, except the city in which I was domiciled.

Legally, I would think such a move would be questionable.

 

Has anyone had experience with this?

Could there be money order judgments lurking in other court records?

Is there any way to check this without individually calling each and every court?

I would not be overly concerned with CCJ’s as they generally can be ignored after 6 years and are seldom rolled, but Scottish money order decrees endure for 20 years.

 

I am now in a healthy financial situation and have plans to invest in UK property in Scotland.

I am concerned if any of this could come back haunt me if I do that.

 

Any advice or insight would be appreciated.

Here is a brief overview of my debt pile (all sums in GBP)

 

Credit card 1 – 7500

Credit card 2 – 7000

Credit card 3 – 4500

Credit card 4 – 3200

Bank loan – 12500

Consumer loan 1 – 2000

Consumer Loan 2 – 1500

Student loans (mortgage style pre 1998) – 6500. This fell due in April 2003 as it had been deferred.

 

Total owed. Circa 44,700

Edited by dx100uk
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they are dead forget them.

 

claims could only have been raised at the court with jurisdiction for your last known address.

 

 

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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Thanks DX. That elides with what I suspected to be the case. It is helpful to have some confirmation though. Actually, i am a little shocked that they all gave up so easily. Perhaps that was because I owed so much to so many disparate creditors. Maybe the assumption was that recovery action would simply not be worthwhile?

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my neighbour had the same

+£15k of debt when he came here north of the boarder in 2011

all now dead [6yrs mind not 5 as they were taken out in england]

no-one did anything

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

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