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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Help £10k card debts


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Hi,

 

I require some advice please. I am currently in around £10000 worth of debt spread across 3 credit cards. I can make the monthly payments but the interest is wiping out any payment I make each month, subsequently I am unlikely to ever pay these off fully.

 

Is there anything anyone can suggest to get me out of this hole? I have tried loans but where my credit rating is not that good I have been unsuccesful.

 

I'd appreciate any advice.

 

Cheers.

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If you haven’t already done so, write to them all with your I&E and offer the payment you can afford, even if its £1.00pm and ask them to freeze the interest.

 

They will, at the end of the day have to accept this. They know, that if it gets to court they have to show that all that is possible has been done.

 

Don’t telephone these companies and insist on contact by correspondence only.

 

If you consider the balances are include charges then claim those back to reduce the debt

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ok, cheers for the help. I'm sure I can claim back quite a few charges.

 

One more thing though - Do I have to prove that the amount I offer them per month is all I can afford? Could I offer them £1 even though I can afford more?

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Send these companies what is called an SAR, a template for this is in the library.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Also, write to them explaining that you disagree with the outstanding balance, this in effect places the account in dispute and will be put on hold for at least 28 days. When an account is in dispute, you are entitled to withhold payment until corrected.

 

Be honest with your I&E, as it might backfire, although I do realise circumstances can change for the better.

 

Other letter templates are here

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

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Cheers for that. Is there also a template for the Personal Budget sheet?

 

Also, how can I determine what is a reasonable standard of living amount? I could obviously work out how much I have to pay to my creditors, but I could never account for all my earnings. I still have to live.

 

I basically earn £950 a month - £275 for rent + at the minute there is about £60 to Halifax, £90 to Virgin and £90 to Egg + a Loan from Smile, which stands at £88 per month. That leaves me with £347, so in theory I could still manage the payments to each of my creditors. My main conxern is that I can not afford the interest payments.

 

How could I deminstrate that I need £347 or more to live on?

 

Cheers.

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I&E’s are always a person thing, however saying that the government has set minimum allowances/amounts for individuals, couples and families to live on.

 

If you contact CCCS or National Debt Line they will be able to give you the up to date figures, which by the way are excepted by the courts.

 

Below is an example I used recently for a working couple with no children. If you have children other allowances are allowed.

 

 

Expenditure Monthly

Rent 275.00

Council Tax 81.00

Water Rate 32.67

Fuel 53.00

House Keeping 232.00

Telephone 39.00

TV Licence 10.00

Travel Expenses 82.40

House Insurance 62.00

Emergencies 20.00

B/day Xmas 12.00

Other 12.00

Total £911.07

Income £950.00 - £911.07

 

Disposable Income £38.93

 

You then pay your creditors from the disposable income on a pro-rata basis.

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What Turnaround has told you is exactly correcxt. Your I&E includes what you need to live on and the cresitors get the balance. Your budget must be workable and realistic as you will have to stick to it for a long time to clear your debt. have you any items you could sell to pay off some the debt - car boots - e-bay etc can bring in a fair amount.

 

At the moment it will take you 21 years to pay off what you owe, which is not realistic. You do not have enough suprplus to consider an IVA.

 

Do a persaonl budget sheet and come back and we will see how we can help. Do you have an estimate of how much you wil lbe reclaiming in charges>

Consumer Health Forums - where you can discuss any health or relationship matters.

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