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    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
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parking ticket accross own driveway!


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my mum lives next to a school and there are restrictions in place between 2.30 and 3.30. When the zig zag lines were painted for these restrictions, the stupid line painters also extended the lines accross my mums drive. They have since been blacked out, but that paint has worn off and now they are yellow lines again. Mum has been in touch with the council who have confirmed 6 months ago that these lines are incorrect (obviously) and are to be removed but have not been to remove them yet.

 

Mum parked accross her drive one lunchtime and she looked out the window at 2.29 (according to her watch) and saw a parking warden on his moped issuing her a ticket. She immediately went down with her keys to question the ticket and also move her vehicle. The parking warden claimed it was 2.31 by his watch and he could therefore issue the ticket

 

My questions are:

 

1) I thought they had to see you parked illegally for 5 minutes before issuing a ticket, or is that a myth?

2) Mum has an email from the council confirming the lines should not even be over her drive, so on this basis should the council remove the ticket? They have declined her initial appeal.

 

Just to add to the joke factor os this, my mum is the only person who lives in the road and she gets a ticket, but when all the mothers in the gas guzzlers turn up at 3 and park illegally, the traffic warden is no where to be seen! and she only had to park over her drive because her road seems to be a dumping ground for a builder in the next road to dump all his vans.

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If it wasn't so frustrating this could be funny.

 

I think a tel. call to your Mum's local newspaper/TV company (particularly when they are short of personal interest stories after Xmas) might make the council see sense. ;)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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If it wasn't so frustrating this could be funny.

 

I think a tel. call to your Mum's local newspaper/TV company (particularly when they are short of personal interest stories after Xmas) might make the council see sense. ;)

Did your mum include the email from the council in her informal appeal.

The jackasses in the backroom may not have realised this problem

 

Write a letter of complaint to the chief executive of your authority expalining the blunders that have happened and what they intend to do about it.

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urm..

not a dropped kerb is it?

if it is then its against the highway code anyway....

 

just a thought

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

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are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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urm..

not a dropped kerb is it?

if it is then its against the highway code anyway....

 

just a thought

 

dx

 

It is only an automatic offence if the dropped kerb has a matching dropped kerb at the opposite side of the road. i.e. it is there to allow pedestrians onto the road and off the other side using wheelchairs/pushchairs.

 

For a single dropped kerb giving access to a private drive, it is not an offence to "block" your own drive, or allow a visitor to your house to block it also. Therefore, a PCN would only result from the resident complaining to the council and requesting it is enforced because the "block" is not being caused by an authorised person.

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What you need to do is to check the TRO for the yellow lines - there should be detailed description of where the lines start and stop.

 

If the TRO says the lines DO extend across your drive then the council were wrong and you still have to pay the fine.

 

If it doesnt then the lines are just paint and you have an absolute defence to the ticket.

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It is only an automatic offence if the dropped kerb has a matching dropped kerb at the opposite side of the road. i.e. it is there to allow pedestrians onto the road and off the other side using wheelchairs/pushchairs.

 

For a single dropped kerb giving access to a private drive, it is not an offence to "block" your own drive, or allow a visitor to your house to block it also. Therefore, a PCN would only result from the resident complaining to the council and requesting it is enforced because the "block" is not being caused by an authorised person.

 

That is not strictly true the contravention is parked across a dropped kerb, what you have quoted is an exemption for the resident of a private residence to allow parking across their own drive used exclusively by them. A request to enforce is not required under the TMA 2004 but as ownership of parked vehicles and any granted permission to park is rarely known a PCN is unlikely to be issued. However this would not prevent a PCN being issued if the CEO had reasonable belief that a contravention had taken place and unless proof of the exemption could be provided the PCN would stand. As an example if a CEO had been informed about a problem with a company parking their vans in a residential street and one was seen across a drive a PCN could be issued and it would be down to the driver to prove the exemption.

Drives shared by more than one property and non residential properties are also not covered by this exemption. It is not uncommon for neighbours to have their drop kerbs merged into one large drop in this situation neither neighbour is able to park even with permission of the neighbour.

Whilst on the subject it is important to note that not only dropped footways are covered but raised roadways are the same contravention, ie if the road is raised as in a speed table and there is a crossing point on it you cannot park.

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Its not a blanket ability in the TMA. Dropped kerbs in London (SPA) are one thing but outside the situation is diferrent. The regulations for Dropped footways and double parking contain an oversight. The TMA does not include the exemption previously allowed for enforcement without signage - and there are no approved signs. They have left in place the legislation but this could be challenged. we don't know if this is inside London or not but either way your blanket assertion required further clarification.

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Its not a blanket ability in the TMA. Dropped kerbs in London (SPA) are one thing but outside the situation is diferrent. The regulations for Dropped footways and double parking contain an oversight. The TMA does not include the exemption previously allowed for enforcement without signage - and there are no approved signs. They have left in place the legislation but this could be challenged. we don't know if this is inside London or not but either way your blanket assertion required further clarification.

 

Sorry didn't mean to infere this was a dropped kerb PCN I very much doubt it is, I was just clarifying the situation regarding the contravention.

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HI All

 

Thanks for your helpful comments.

 

The ticket was issued due to the the yellow zig zag line, not the dropped kerb. It is a dropped kerb for a private driveway. There is not another dropped kerb opposite.

 

The TRO says the lines shouldnt extend accross my mums drive and she has this confirmed in the email (dated June 2007!!!) and did send a copy of this email with her appeal but they have just refused it seemingly ignoring this point.

 

There has never been any complaints about the vans parked in the road as my mum feels it is a public road so at the end of the day if they are parked legally (which they do) then they are effectively doing nothing wrong. The problem that they present is that they take up all the space in the road which is not restricted parking!

 

I shall be suggesting she contacts the local papers most definetly as the whole situation is just laughable.

 

thanks again

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Magistrate's court!? This is a PCN isn't it? Not an FPN.

 

I understand from reading information from experts here that if you don't pay you get a Notice to Owner which entitles you to make a formal representation that may be taken more seriously. Beyond that you get the right to a hearing at PATAS.

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council is on a loser then. do they outsource PCN processing ? "the amount exceeds" plus challenge the TRO. has an NTO been received ?

I think they outsourced the line painting to idiots. Might have been POETS day when they blundered this one LOL

 

Lammy is correct. Challenge the council on the ticket, send a printed version of your email to the council with a complaint and get the lines removed and not painted over.

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