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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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If you have a read of the insolvency service website it will tell you what happens to your debts when bankrupt The Insolvency Service Website

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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hi geministar your landlrod will be informed if there are a BR caluse into your tenacny agreement and/or you have rental arrear.

 

if your ebt are into yoru only name then they will be dissolved, that it . nothing will happend to your partner as he/she i snot liable for it. however i advise that you do anot of dissociatin to credit reference agency to make sure it does not affect your partner credit scores

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If the rent is up to date and there are no other problems with your tenancy it is unlikely that the landlord will do anything.

Any joint debts your partner has with his ex will become her responsibility.

 

Mor einfo here http://www.consumeractiongroup.co.uk/forum/formal-solutions-bankruptcy-administration/56970-insolvency-dealing-debt.html

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

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Does it matter that he hasnt spoken in some time and doesn't know her exact whereabouts? just that she is in NZ somewhere?

 

 

Once he is Br it is not his problem anymore and is up to the creditors to find her.......he just needs to be honest with the Official Receiver.

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

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ok what level of income will allow me to have part of the BR fee waivered? I believe i have to include my partners income in this part? even though not his debt.

Also what tends to happy if you have spent some of the debt on gambling? And i mean a small amount £300-£400 over a period of time my debt is currently at around 15k.

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The laptop i have was bought in September 2007 via HFC finance, not under hire purchase but a loan agreement. I currently owe around £400 for it.

 

When i file my bankruptcy forms, what should i do about my laptop? Is it worth pretending it is broken or that i have sold it on, my mum said she would have it (in theory). My laptop is the only thing i own that is worth a small amount.

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personally I would say no - they have admitted they cannot prove the debt and have agreed to stop action. no need to include them .

 

flip side of that would be that if you DO include the paperwork - it is not likely to affect your bankruptcy much and would then ensure that you are forever protected from them coming after you with this again.

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I am a few months behind on Ctax, i live with my partner, we are not married, When i go bankrupt in Jan, how do i address the Ctax arrears can this be included with my BR? If so does this mean this is my partners responsibility even though i'll continue to live at my current address?

 

Bit confused

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ok if i dont have a tenancy agreement we literally just moved in... what is the likelihood of being evicted? We get on with our landlord and landlady very well (they live next door). Have never paid rent late in 8 months and myself and partner both work.

 

Also how would it work if i decided to state i was living back at my mums address? I have recently submitted our new working tax claim pack. But that will take time to sort, so i could leave out that i receive workin tax as at the moment we dont. And basically just be living back at home with my mum (her home is a housing association).

 

i hope that made sense???? So many questions all the time.

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Also what tends to happy if you have spent some of the debt on gambling? And i mean a small amount £300-£400 over a period of time my debt is currently at around 15k.

 

Nothing is likely to hapen for such a small proportion of the debt being gambling related.

 

ok if i dont have a tenancy agreement we literally just moved in... what is the likelihood of being evicted? We get on with our landlord and landlady very well (they live next door). Have never paid rent late in 8 months and myself and partner both work.

 

Also how would it work if i decided to state i was living back at my mums address? I have recently submitted our new working tax claim pack. But that will take time to sort, so i could leave out that i receive workin tax as at the moment we dont. And basically just be living back at home with my mum (her home is a housing association).

 

i hope that made sense???? So many questions all the time.

 

I strongly advise that you tell the OR the truth and nothing but the truth. If you get on well with your landlord why dont you ask him now what his reaction will be to you being BR? Most wont care as long as they get their rent, and you are honest with them.

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

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thanks again for your advice. Yes i think i may ask them this wknd as havin a festive drink with them b4 they go away for xmas. That is my main concern at the moment.... don't wanna end up losing my home as i can hardly afford to move about. That would actually put me off going BR and i'd carry on with my DMP throwing more money away.

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Hi Geministar2007:)

 

I went B/R in November and included my C/Tax arrears in my B/R, the Local Council then sent me a revised bill for Dec, Jan, and Feb2009!!!

So ALL my arrears were wiped, about 1,800 worth! If that helps.

Take care

Sugar x x :D

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Hi Geministar2007:)

 

I am B/R too. I was told by C.A.B. to list ALL debts on my B/R paperwork, and not leave anything off. I am led to believe that everything MUST be listed honestly, and the amount of some of my debts were estimates as I couldn't find all my paperwork from over 6 years ago!

Do seek advice from C.A.B. or National Debt Helpline else the Judge on the day may not grant you a B/R!

Hope this helps

Take Care

Sugar x x :D

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thanks again, however as i live with my partner how would he be effected? He would have to find the full arears (although he wouldnt i would help if that makes sense ;-).

 

I am due to pay a 300 odd DD 1st Jan, no chance, so may advise them i am filling for BR and to hold off for a short time. Sound like a good idea?

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