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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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I recieved my second letter this morning. :D

 

This one has two lovely pictures of my car entering and exiting there car park. Pity there in black & white My car looks lovely in them.;)

 

Anybody else had pictures of there vehicle sent to them????

 

Yes Mine where in colour must be expenive to produce ,Great

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LETSHELP,

Great ansa, that's going to make my weekend go just fine, thank you. By the way, my Mrs says that we must ansa the pcn otherwise the balliffs are going to take lots of stuff away. I've tried to show her these respop0nses but she doesn't want to know, any advice pls?

It is always a problem when you are trying to reason with people who don't know what they are talking about.

See Crems response for all she needs to know.

regards

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

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Crem, Letshelp and others,

 

Thank you very much for advice, my Mrs seems to believe that we can win this now; awaiting my first letter (oh by the way they are not registered with the British Parking people so it will be interesting to see what tale they tell to get my details from DVLA). I will let you all know what tehy say.

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Hi all...

 

Well a big thank you for starters as I totally ignored a PCN from UKPC what ever their money grabbin name is... and nothing happened!

However I went down to the station to drop someone off and went down the wrong way ( a bus lane ) and the council have sent me 2 PCNs one for entering the wrong way and one for exiting the wrong way... Great...

Anywho I appealed to the Council to let me off one of the PCNs - which to my surprise they did, however on the other PCN they rejected the appeal but in the actuall letter they state and I quote...

HTe area around the station entrance is clearly marked as a bus lane. There are signs on all approaches to the bus lane that access is only for bus taxix and cycles. Access to the drop off point is made via either Tudor Road or Greyfriars Road, when exiting the drop off motorists must turn right. Other vehicle must follow the directional signs. It is the motorists responsibility to abide by the signs when driving. I can therefore find no justification to cancel the above PCN -(this is for a PCN ending 52 as per the letter ref). However, discretion has been used to cancel PCN (same PCN number as one in this letters ref) on this occasion only and does not set a precedent for any future PCNs that may be issued.

 

Now later on in the letter the following is stated...

 

Your representation has been considered by this office in accordance with the requirement of the bus lane contraventions (Penalty Charges, Adjudication and Enforcement)(England) Regulatoins 2005, but after full consideration of the representations made and all other circumstances relating to the issue of PCN, I have to advise you that grounds for representation agains the PCN have not been establishied.

 

Now I called the council and they advised I should appeal as there is obviously a typing mistake in this rejection letter... Does this mean they should let me off, should I not appeal and let the council take me to court?

Or can someone here give me an idea on how I should word my appeal so that it gives the council no other way than to let me off completely...

I do know I was in the wrong and I did advise the council I was not sure how to get to the drop off point other than via the bus lane... which is about 10-20mtrs long... so I guess they did take pitty on me and let me off on one of the PCNs - SO perhaps I should not push my luck??

 

let us know what you think

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Hi just found this site and found some useful info, was wondering if you could help. was in my local toys r us car park and was 17 mins over the 2 hr free parking. i have today received a letter from g24 ltd stating that as i was 17 mins over the time i have to pay a £75 fine or £50 if i pay within 2 wks, bit unfair as it was a sunday afternoon and the car park was almost empty, is there any advice that you would be able to give me? many thanks

worried cherm

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so i should not even use one of the template in the OP to respond,

sorry just a little worried:cry:

Ignore everything they send you. Have a read of other G24 threads here:

g24 : site:consumeractiongroup.co.uk - Google Search

 

and their letter-chain here:

MoneySavingExpert.com Forums - View Single Post - G24 Ltd using debt recovery agency

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I've been ignoring PE letters, the last letter was from CCS collection, this was in February, I haven't heard anything back from them since. its going to be almost two months now, I assume they stopped, or should I be expecting more? anyway I decided to ignore and will continue to do so, (unless I get a court order ), which is highly unlikely. its down to the individual to decided to ignore, not everyone is comfortable ignoring? whichever way, if its done in right manner it seems they do eventually go away. :) Also there are loads of templates around if any1 do decide to reply to these scambags, with the experience I had, mainly thanks to this site, way bother wasting postage stamps on these scambags.

I thought I'll update further on my situation, I havent recieved any further letters since the letter from ccs collection. It's now been around 3 months since the last letter. I guess they gave up. Anyway just to recap on anyone who feels a bit apprehensive about ignoring these letters, as many said on this forum, best policy is to ignore.

 

Today I watched watchdog, which had story on Mcdonalds car park. who also have a private company issues fines for over staying. Watchdog had a solicetor explaining what people should do and he basically said the same thing as everyone been saying in this forum, just ignore. There hasnt been a single case thats been taken to courts, for them to do that, they have to first prove who the driver was first. So IGNORE PEOPLE.

 

I thank everyone who gave me advice. you people rock!!

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  • 2 weeks later...
Got my third letter today. This one is from ccs collect? I'm now due them £140. How many more letters am I going to get? :):)

 

That's the last one I had from them. see here:

http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/156986-parking-charge-notice-parking-6.html#post2652589

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Please help advise how do i stand. I parked on a road late at night (it was dark) when I returned the following day I had a penalty notice stuck to my car window from Vehicle Control services in Sheffield. The charge was that I had parked in a restricted area and the fuine is £80 raising to £120 if I dont pay within 7 days. In daylight I did see some signs but they are not visible from where I parked and I will explain further. from the direction I entered the road there were no signs, I parked on the right hand side of the road. There were no signs at all on the right hand side of the road where I parked. On the left hand side of the road there were some signs but about 200 yards further up the road. There is no markings on the road, no yellow lines nothing and nothing to state where the restricted parking started or ended. I only saw the signs 200 yards further up the road in day light as i walked the length of the road to see why I had a ticket, these signs would also not be visible at night. Also anotherpoint is the tiicket was put on my car at 7am on a Sunday morning and they stated the colour of my car incorrectly. I was thinking of appealing against the fine due to there been no clear indication of where the restriction began or ended and also i was parked on a side of the road with no signs what so ever and 200 yards before the first sign on the opposite side of the road. However after reading this forum I assume they are out to frighten you into paying or appealing to admit you were the driver, so i assume I sit back and do nothing? Just after a bit of confirmation I will be doing the right thing. Has anyone come across this company before.

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Hi there, I had a parking issue not too different from yours, in that I got a letter demanding money. To be honest its all to easy to get involved in the reasons you shouldn't pay.... bad light, poor visibility for signs, invalid mother-in-law... all that, but as I learned here, that is mostly irrelevant.

 

They are trying to frighten you into paying and no doubt have a fair success rate. I took the general advice here and did not respond to any letters... and they got pretty involved. Red ink, lots more red ink, threats of legal action and a final demand for over £500.

 

As I said, I ignored them and they went away. I'm not saying its easy, it can play on your mind a little and the temptation was there to respond or enter into a dialogue with them as if that might some how make things better.

 

My mind is now easy, I have paid nothing and they went away.

 

This forum and the advice you get helped me. I'm not saying every circumstance is the same, but it worked for mine and I have little doubt yours.

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To m1969.

 

Doesn't really matter who or where they are. Follow the instructions elsewhere on all of these companies.

 

Rule 1 ignore

Rule 2 ignore

Rule 3 Go back to rule one.

 

Part of Excel. Type their name into google and you will see loads of people who have refused to pay them.

 

If by the remotest chance you do get taken to court come back here. BUT they have lost case after case. Ignore.

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Thanks to the 2 responses above. I think I just needed the reassurance. I feel sorry for the people who are frightened by this and pay straight away without doing any research.

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Thats why we tell those that find out about the [problem] to inform all their family, friends, workmates... Knowledge really is power.

PPC company fine issues was feaured in watchdog recently, someone kindly posted on tube, see it here

 

 

and advice is to ignore the b**tards!

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