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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Private Parking Tickets - General discussion points


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hi, can anyone help me here? got a europarking car park fine, so i sent the first template letter saying i am the registered keeper but not the driver on that day, received letter back from them saying if i dont name the driver, quote" :confused:it should be borne in mind that by stating many people have access to a vehicle and as a result the defendant cannot state who had it at any one given time thrn they are comfirming that they did not know who was driving and therefore cannot be certain the vechicle was insured." so what do i do now????

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Tell them that you could find out who was actualy driving the vehicle on that occasion but if they would like you to divulge that information it will cost them £200 once you have sought the permission of the driver.

 

However , the best advice on these forums is to totaly ignore anything from them, they will eventualy give up and go away.

This advice does work, just have a read of all the PPC forums.

Edited by SURFBOY

hello all:-)

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it should be borne in mind that by stating many people have access to a vehicle and as a result the defendant cannot state who had it at any one given time thrn they are comfirming that they did not know who was driving and therefore cannot be certain the vechicle was insured."

 

Saying I was not the driver is completely different from saying I don't know who was driving. They're talking bo**ox. Just ignore everything from now on.

 

here's what you can expect:

 

 

http://www.violetmount.com/[problem].jpg

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hi, can anyone help me here? got a europarking car park fine,

 

It's not a fine, it is more like a begging letter.

 

so i sent the first template letter saying i am the registered keeper but not the driver on that day,

 

One letter too many, but you have stated your position leave it at that.

 

received letter back from them saying if i dont name the driver,

 

Under what legal authority do you have to tell a private company the name of anybody?

 

quote" :confused:it should be borne in mind that by stating many people have access to a vehicle and as a result the defendant

 

Surely you only get a defendant in a court case! And we are an awful long way from there.

cannot state who had it at any one given time thrn they are comfirming that they did not know who was driving and therefore cannot be certain the vechicle was insured."

 

And that is anything to do with them, how?

 

so what do i do now????

 

Ignore them completely, have another read of their pathetic letter and have a good laugh.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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hi, can anyone help me here? got a europarking car park fine, so i sent the first template letter saying i am the registered keeper but not the driver on that day, received letter back from them saying if i dont name the driver, quote" :confused:it should be borne in mind that by stating many people have access to a vehicle and as a result the defendant cannot state who had it at any one given time thrn they are comfirming that they did not know who was driving and therefore cannot be certain the vechicle was insured." so what do i do now????

 

Complete twaddle from the PPC - and misleading twaddle at that. report them to Trading Standards for Breach of CPUTR. see http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/164651-problems-ppcs-face.html?highlight=problems+ppc+face

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At the risk of asking what has been asked countless times, I wonder if someone would mind very much telling me if, with possible changes to the law, the current advice would still be to ignore, ignore and then ignore again letters re a Parking Charge Notice. I have received one of these and was just going to accept that I had been stupid and pay up (£50 if I pay this week, then £80, rising to a possible £110). However, before I signed on the dotted line I decided to do a bit of research and came across this forum. It seems to pretty much cover what I wanted to know, but I read one of the posts from quite a while ago and I wondered if the law had changed. The letter I received is from Parking Eye and apart from the car registration and the place and time, is very like a lot of the letters posted about in here. Many thanks for any responses I get.

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one or a few PPC's have been spouting the Changes in The LAW , there is not its only something dreamed up on Planet Perky ( search for PERKY on the forum ) yet another one of their [problem] statements, but as watertight as a pint of water in a paper bag

 

ignore the rubbish they send you regardless of who they send letters from solicitors DCA's etc there just from the next desk along in their little hovel they call an office in the fantasy world of "SCAMVILLE"

 

golden rules DONT contact them in any way WHATSOEVER

 

then

 

1) IGNORE

 

2) IGNORE SOME MORE

 

3) GOTO 1

..

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Great but regardless of what they send file under rubbish, and if and only if (chances are about 0.000000001%) they actually did send real County Court Papers (a few have tried sending Court Forms without the Court seal, a [problem]) there are many here that will help you with it

 

Also IGNORE any Notice To Owner saying you are Libel etc, its total hogwash, and you don’t have to tell them, who was driving either, only A Council with a real PCN can send a NTO, and the Police have similar powers

 

Bottom line PPC's are [EDIT] and leaches feeding of people who don’t know their Legal Rights

 

And tell every one you know about the [problem], and point them to CAG, where they can read all about it

 

Kip

 

 

and if you have a min please sign the petition in my sig for Wootton Bassett, be nice to go over the 10,000

Edited by kiptower
typo ooops

..

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and if you have a min please sign the petition in my sig for Wootton Bassett, be nice to go over the 10,000

Would also be happy to sign Kip, where is the link?

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Saying I was not the driver is completely different from saying I don't know who was driving. They're talking bo**ox. Just ignore everything from now on.

 

here's what you can expect:

 

 

http://www.violetmount.com/[problem].jpg

 

I have to say, I love that picture, absolutely spot on, and it looks like one of mine in there.:D

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CP Plus - result for the good guys!

Ref. #672 & 722 above and Blagton's reply -thank you - I have just received a letter from CP plus cancelling the notice, saying no further action will be taken and aopologising sincerely for any inconvenience! RESULT!

I did receive an acknowledgement for my complaint to the DVLA but nothing else. However, I did also complain to Consumer Direct requesting my information be passed to Herts TS, and they were very solicitous and positive. I have yet to discover why CP plus back-tracked but, after 3 attempts to extract money fraudulently from me with no return contact or result, they seem to have given up. If I discover which organisation did the job I'll post the answer. Keep up the good work!

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hey everyone haven't posted for a while but seeing as there as a few worried people on here thought i'd help out. I am on my 4th letter from UKPC since beginning of September 09. I DID NOT RESPOND and i STILL HAVEN'T. The last but one letter said if i paid in the next 7 days they would take a discounted charge of £50 as a pose to £70. But if it wsn't paid it could rise to £200 etc... bla bla... The i had another letter 2 weeks after that stating the exact same, but adding that they were doing me a huge favour by still accepting £50 off me. That was around the end of november 09. My solicitor laughed when he heard. I am expecting more letters. But will not be doing anything about them . SAying that my rabbit needs new hutch paper to shred. KEEP IGNORING . and again thanks for the support xx:smile:

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CP Plus and Ranger Services

Ref: #672/722/739 A final, I hope, note to my personal Parking Charge Notice pantomime. I have just received a very civil but useless justification from DVLA of their information disclosure policy following a request deemed to have 'reasonable cause'. It would seem that the request was made electronically by Ranger Services who have a written agreement with DVLA and are subject to 'audit procedures'. DVLA have been advised by Ranger Services that due to an administrative error the PCN was issued and has now been cancelled. Now, this may have been a simple 'typo' in the request to DVLA or something more sinister. Either way, CP Plus have backtracked smartly with a catchall apology hoping for no follow-up to identify the 'administrative error' and it's perpetrator, claims for harrassment damages or formal charges of obtaining money by deception. Perhaps most interestingly, Ranger Services and CP Plus share the same PO Box in Borehamwood, together with several other 'private parking enforcement agencies'. Perhaps DVLA should conduct a more rigorous audit, TS a formal investigation of the relationships and BBC Watchdog a complete public expose.

Finally, thanks again to all the experienced hands here and their priceless advice to those afflicted - keep up the good work!

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Hi all, I received a £75 parking "fine" from UKCPS when I had parked at the side of a takeaway in the early hours of a sunday morning to collect a pizza. As usual, the pizza wasnt ready at the suggested time! When I returned to the car I found I had been issued this ticket and was in shock.

I read on the forums the best advice was to sit back and do nothing as I would receive letters once they had obtained the registration details from the DVLA. So I sat back....I have now received the following letter which I have attatched, and was just checking to see if this was the normal procedure for UKCPS and that I should continue to ignore the letters.

 

Thanks in advance

IMG.jpg

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sorry about the thumbnail!

the letter says they have sent 2 reminders and

"By parking in the area you did you entered a contractual agreement to pay £75. plus £3 per day excess charges if payment was not received in 10 days.

You have clearly failed to honour this contract; therefore today I have prepared papers for court action to recover the amount due and any expenses incurred in recovery."

it then gives contact details and states "If we do not hear from you in 7 days of this letter we will proceed as outlined above. The amount now owing stands at £150 (capped). As a gesture of goodwill we will accept £120 as full and final settlement if sent within 7 days of this letter.

then it gives spiel about how ukcps is an etical company etc

 

After ignoring the first reminders I was just a little unsure as to continue ignoring these letters or send a response using the templates provided on here...?

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I dont know where they get the figures from, but from reading the forums the £3 per day seems the standard accross the board for these companies. The line saying as a gesture of goodwill they would accept less, proves how desperate they are for the cash in my eyes.....but like others it was enough to put me in 2 minds whether to respond or not.....glad I havent.

cheers

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sorry about the thumbnail!

the letter says they have sent 2 reminders and

"By parking in the area you did you entered a contractual agreement to pay £75. plus £3 per day excess charges if payment was not received in 10 days.

They wrote to you because you are the Registered Keeper of the car. They have no idea who parked it there so how can they say "...you entered a contract...."?

You have clearly failed to honour this contract;

yep, coz you never made one :wink:

 

therefore today I have prepared papers for court action to recover the amount due and any expenses incurred in recovery."

so they often say. but they seem to be that useless at preparing papers, none of them ever seem to be prepared enough ever to go to court. :D

 

it then gives contact details and states "If we do not hear from you in 7 days of this letter we will proceed as outlined above.

what? they mean to carry on preparing papers coz it takes forever? Let them

 

The amount now owing stands at £150 (capped). As a gesture of goodwill we will accept £120 as full and final settlement if sent within 7 days of this letter.

then it gives spiel about how ukcps is an etical company etc

 

After ignoring the first reminders I was just a little unsure as to continue ignoring these letters or send a response using the templates provided on here...?

 

:p

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A quick update. I was away for a few days and got home to a second letter from Parking Eye. Although they had originally told me I had until 14th January to pay the 'reduced £50 payment' the second letter was dated 11th January - so they didn't even wait to see if I paid by the 14th! The second letter also gives me a grace period in which I can pay £50 and this letter has photos of my car on it, with enlarged pictures of my number plate. The warning adds that 'If payment is not received we may pursue this matter through the appropriate channels.' but doesn't actually state what the 'appropriate channels' are!

 

I bet I'm supposed to be scared now! Thanks to this site (and the very helpful people on it), I'm not.

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A quick update. I was away for a few days and got home to a second letter from Parking Eye. Although they had originally told me I had until 14th January to pay the 'reduced £50 payment' the second letter was dated 11th January - so they didn't even wait to see if I paid by the 14th!

 

You have obviously worked out, correctly, that they do this on purpose with the hope of panicking people into paying for the increase 'deadline'.

 

The second letter also gives me a grace period in which I can pay £50 and this letter has photos of my car on it, with enlarged pictures of my number plate.

 

How nice, the photographs are evidence of nothing.

 

The warning adds that 'If payment is not received we may pursue this matter through the appropriate channels.' but doesn't actually state what the 'appropriate channels' are!

 

The usual, we may.

 

I bet I'm supposed to be scared now! Thanks to this site (and the very helpful people on it), I'm not.

 

Well done sit tight and wait for your free toilet paper which they will be sending anytime soon.

 

regards

Please remember our troops, fighting and dying in our name. God protect them.

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