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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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      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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  • 2 weeks later...

Just spotted this Michael. How's it going mate? Have you reached any decisions yet?

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Caro

Just spotted this Michael. How's it going mate? Have you reached any decisions yet?

 

Well I've weighed up all the options and reached the general decision that I will go bankrupt - it's just a matter of timing, getting the court fees and paperwork together. I'm also in the middle of cases with MCE Portfolio, LTSB and Logbook Loans - as always, I'm enjoying the battle and am confident about 2 of the 3 (LTSB not too sure about at the mo, but hearings will be a while yet) - so I'm loathe to actually file while they're ongoing :D

 

Have worked out the budget to present to the OR, and from my calculations it looks like my IPA could be less than 2 of the loans I used to pay!

 

Yeah, I'm sure my decision is made - thanks for asking hon :)

 

Cheers

Michael

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Sounds sensible to me. Although bankruptcy isn't an easy option, and will have repercussions on your ability to get credit in the future, reading the forums it's clear that for some it provides a blessed relief to be freed from the worry of unmanageable debts.

 

I'm so glad that you're sharing this with us, not only for you, but because you know as well as me that other people in the same situation may gain from your experience. I know you'll come through this as you always do.;)

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Sounds sensible to me. Although bankruptcy isn't an easy option, and will have repercussions on your ability to get credit in the future, reading the forums it's clear that for some it provides a blessed relief to be freed from the worry of unmanageable debts.

 

Aye, not an easy process at all, but a clean slate will be worth it. WRT credit availability - I've been living without credit for a couple of years really, and whilst it can be difficult at times, it's certainly not impossible. Plus, with the state of my credit file, I've already accepted that I won't be able to get credit for a good few years (not that I particularly want it anyway!).

 

I'm so glad that you're sharing this with us, not only for you, but because you know as well as me that other people in the same situation may gain from your experience. I know you'll come through this as you always do.;)

 

Absolutely - always happy to share.... well, some things anyway :)

 

Cheers

Michael

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Absolutely - always happy to share.... well, some things anyway :)

 

Yeah well not the beer obviously!:p

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Just dropping in to wish you luck Michael, You have been such a font of information to so many people over the past two and a half years

 

I hope everything works out for you and wish you well for the future, take care.

 

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Yeah well not the beer obviously!:p

 

LOL - you got that right :)

 

Thanks everyone for your kind words - I'll be sure to keep this thread updated when the big moment comes :) Certainly helps to read others' experiences - the more I think about & plan for my own BR, the more I'm actually looking forward to it :)

 

Cheers

Michael

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be warned bankruptcy is not an easy option it is liberating yes but not an easy option !!! you will loose all asset and u will loose also your control over your finance up to a year ( too depend if you can get an early discharged) .

 

wether you move to australia or not you will still have to comply with the officail receiver .

however good luck for oyu and keep us posted .

 

have a llok at the money savings expert, threads below

 

http://forums.moneysavingexpert.com/forumdisplay.html?f=136

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I entirely agree with you, phat, that bankruptcy is not an easy option. Its one I've personally had to recommend to a few people, however, and that is never pleasant. However, where a DMP would last for more than 7 years, and someone does not own there own home I think it is a very sensible option.

 

i don't honestly think by the point you apply for bankruptcy that you have any control over your finances anyway.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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be warned bankruptcy is not an easy option it is liberating yes but not an easy option !!! you will loose all asset and u will loose also your control over your finance up to a year ( too depend if you can get an early discharged) .

 

Oh absolutely agree - never said it was going to be easy, it's just I'm very prepared for it :)

 

wether you move to australia or not you will still have to comply with the officail receiver .

 

Umm, I'm not going to Australia :D Worse luck - am stuck in the UK for the forseeable....

 

however good luck for oyu and keep us posted .

 

Thanks mate, same to you :)

 

have a llok at the money savings expert, threads below

 

Bankruptcy & Living With It - MoneySavingExpert.com Forums

 

Thanks for the pointer :)

 

I entirely agree with you, phat, that bankruptcy is not an easy option. Its one I've personally had to recommend to a few people, however, and that is never pleasant. However, where a DMP would last for more than 7 years, and someone does not own there own home I think it is a very sensible option.

 

Indeed - the DMP I was on a couple of years back estimated 27 years to pay back! Imagine a *&%^$d credit file for that long? :eek:

 

i don't honestly think by the point you apply for bankruptcy that you have any control over your finances anyway.

 

Completely agree with that assessment...

 

Cheers

Michael

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be warned bankruptcy is not an easy option it is liberating yes but not an easy option !!!

 

I totally agree it is liberating and the mechanics of going bankrupt is actually very easy but the realization that it is your only option and actually declaring yourself bankrupt and what follows is not. Hence why the forum you linked

 

 

Was named “Bankruptcy and Living With It as that’s the hard bit

 

 

 

you will loose all asset and u will loose also your control over your finance up to a year ( too depend if you can get an early discharged) .

 

The statement “you will lose all assets” is not true, most household items are never touched unless you have a something of excessive value, and some go through bankruptcy and manage to keep there car and homes, but this does depend on the situation.

 

Im also not sure why you say “u will loose also your control over your finance up to a year”? As from the date of your bankruptcy order your finances are your own business with the exception of evaluation of an IPA, usually at the beginning and around the midway point if it is deemed necessary and you must declare any increase in income or recieve a windfall of some description during the course of your bankruptcy and any subsequent IPA. True you may get asked to prove your income for the purpose of the IPA calculation, but even that seems rare,its usually taken on trust, but the official receiver does not control you finances after the date of your BO as such.

 

What you do lose is control of your finances before your BO date, is that what you meant?

 

i don't honestly think by the point you apply for bankruptcy that you have any control over your finances anyway.

 

That was certainly true in my case tomterm8, trouble is it took me too long to realize it:oops:

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  • 1 year later...

Well, over a year since starting this thread, I've finally got my backside into gear, pulled the money together and I've made the appointment for beginning of October (local court is completely stacked out apparently).

 

Sooo looking forward to having a fresh start - dunno what I'm going to do with all the spare time from not having creditors to battle :D

 

Cheers

Michael

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  • 4 weeks later...

Well, the deed is done - handed in my petition this morning to the lovely staff at the Court. Had to swear the affidavit - I chose the bible as I'd never sworn on a bible before (can't remember the other choice given for the swearing) - then handed over the £510 in cash (poor again).

 

Was told that I wouldn't have to see the judge (damn, I got dressed up for nowt) and went back to pick up the order around 1.5hrs later.

 

Apparently the OR will contact me in a couple of working days.

 

Feels a bit strange, not quite the ceremony I expected - but still sort of glad I didn't have to appear in front of a judge and get a telling off! Definitely glad it's done now though :)

 

Cheers

Michael

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congratulation mcuth you are debt free now !

 

i knwo what u mean about the court procedure i found it rather painless , but when looking back i foun that taking the decision to go Br is the hardest part of it .

 

you will see form now on thing to get a lot easier i bet you feel relieve now like a weight has been lifted !

 

good luck for the future.

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mcuth - well done. As said previously the hardest part is making the decision to do it. You will probably only have a telephone interview with the OR. Just be as honest as you can with him and you will be fine. Now when you get any letters from creditors just send them a copy of the BR Notice and ignore them after that. Good Luck

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Well done Michael,

 

I'm sorry you have had to go though this mate, but as you say the deed is done now and your out of the firing line now.

 

Good luck for the future, and don't be a stranger.

 

Alex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

I also posted this on DQ, so apologies for using the same words, but they're just as applicable and the thanks is genuine :)

 

Thanks folks - it does feel great to have all that stress taken away.

 

The OR rang me last Friday and we had a chat for 35mins about my SoA - he said that if I could answer a few questions, he probably wouldn't need to interview me again!

 

So, I got asked a few questions about when and why some debts were incurred, my car, work and reasons for going BR. A very friendly bloke, and all in all, I would say it was a good and amiable interview.

 

Outcome was that my car is exempt, I'll only have a NT IPA and will hopefully be put forward for ED (though he did say that it might not happen and to expect BR to run the full course of 12 months, then if ED does happen, it's a bonus - yup, expected that) :D

 

Received the letters and that today, no request for statements or anything (am amazed at this), just got to fill in and sign the NTB2, TNIDIS, comments card and Ethnic Monitoring Form

 

Cheers

Michael

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Glad it's sorted Michael. Here's to a fresh start.;)

 

x

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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