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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?   
    • 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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Fixed Penalty Notice


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Hi

I received a hand written parking ticket which is headed as 'Northumbria Police - Fixed Penalty Notice(Non-endorsable offence)'.

Section 1 has my registration details, the street and town, the times 11.25 to 11.45 and 'on' which has been filled with the date 070706. The next section is the 'offence' with the code M1 - The vehicle was waiting in a restricted area. The officers signature, number and sector/section have been completed.

Nowhere in this section are the terms ' date issued' or 'contravention'.

 

I've been advised to deny it's validity as i haven't committed an "Offence" - parking is decriminalised. Also tickets must conform to the DoT model ticket and thus contain certain things: one of which is the "DATE OF ISSUE".

 

Can anybody help me with this - how do I go about denying the validity of a ticket and where can I find out more info about DoT model tickets.

Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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I've been advised to deny it's validity as i haven't committed an "Offence" - parking is decriminalised.

 

Parking is not nationally decriminalised. Local authorities have to decide to take it over from the police. In Northumbria for example, the North Tyneside area won't be adopting decriminalised parking until April 2007 although other local authorities in the area already have. So the police may still be responsible for issuing fixed penalty notices for which you will receive a court summons if you don't pay. Its a completely different system so the thread posted above won't help you.

I'm not saying you can't challenge the fixed penalty notice, but the regulations for the decriminalised system are not the same as for the police operated system. Your right to challenge a police fixed penalty notice is in the local magistrates court and not through NPAS

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Hi

I received a hand written parking ticket which is headed as 'Northumbria Police - Fixed Penalty Notice(Non-endorsable offence)'.

Section 1 has my registration details, the street and town, the times 11.25 to 11.45 and 'on' which has been filled with the date 070706. The next section is the 'offence' with the code M1 - The vehicle was waiting in a restricted area. The officers signature, number and sector/section have been completed.

Nowhere in this section are the terms ' date issued' or 'contravention'.

 

I've been advised to deny it's validity as i haven't committed an "Offence" - parking is decriminalised. Also tickets must conform to the DoT model ticket and thus contain certain things: one of which is the "DATE OF ISSUE".

 

Can anybody help me with this - how do I go about denying the validity of a ticket and where can I find out more info about DoT model tickets.

 

 

Hi,

 

I have recently been in a similar situation to yourself in that I was given an unfair parking ticket by Euro Carparks. I work at my local railway station and was given a parking ticket for as they put it "parking illegally" although I was on railway property and clearly displayed my parking permit. I took the following steps:

 

1) I made initial contact to the company by phone and followed this up with a letter. I kept a copy of the letter and noted when I'd contacted them.

 

2) They ignored and dismissed my claim and began sending me threatening letters.

I kept copies of these too.

 

3) I went to the CAB (Citizens Advice Bureau) they contacted the company on my behalf. The notice was then put on hold while I continued to fight the decision.

 

4) I contacted the following appeal bodies:

Parking & Traffic Appeals Service (London appeals) 02077474700

National Parking Adjudication Service(England, outside London, Wales) 01612425252

Scottish Parking Appeals Service 01312210409

British Parking Association 0144447300

 

5) Finally after gathering as much info as I could and researching into it. I found I was still battling bureaucracy so I found out the number of my local MP made initial contact with his office by phone. Then sent copies of EVERY piece of correspondence in my case to him he took over the matter and got the matter resolved on my behalf.

 

It does take time but it will work out in the end.

 

Hope this helps

 

bze lizzy

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lizzy,

 

Your situation is different again from either a police parking ticket or a local authority ticket.

You were parked on private land. That is between you and the landowner or its agent, Euro Car Parks. None of the regulations apply, its a private contract.

I'm not surprised you felt you were getting nowhere with all those appeal bodies you were writing to! There isn't one for parking on private land.

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If you park in a dangerous position, so as to cause an obstruction or in an area restricted in criminal law (e.g. on a clearway or road marked with double solid white centre lines) then you are liable for criminal prosecution, which will be dealt with by the police, regardless of decriminilisation of parking in the area.

 

This ticket is for a criminal offence which is why it is called a "Fixed Penalty Notice", same as those for speeding, running red lights and so on (except this one is non-endorseable).

 

Also see this thread here:

Parking Ticket

 

If you want to dispute you will have to go to court as with any other criminal offence dealt with by fixed penalty: it's a conditional offer and if you turn it down you have to be tried in court. If you believe you're not guilty then you need to be acquitted in court.

 

Not a positive answer but I hope that helps.

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If you want to dispute you will have to go to court as with any other criminal offence dealt with by fixed penalty: it's a conditional offer and if you turn it down you have to be tried in court. If you believe you're not guilty then you need to be acquitted in court.

 

Not a positive answer but I hope that helps.

 

If you turn it down you will have judgement registered.

 

You MUST request a court hearing or they can register judgement. Simply ignoring it (the same as not accepting the offer) and judgement will be registered.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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Thanks for the advice - I think I'd better go and pay it:mad:

Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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lizzy,

 

Your situation is different again from either a police parking ticket or a local authority ticket.

You were parked on private land. That is between you and the landowner or its agent, Euro Car Parks. None of the regulations apply, its a private contract.

I'm not surprised you felt you were getting nowhere with all those appeal bodies you were writing to! There isn't one for parking on private land.

 

 

Thanks for that info it helps to have yet another perspective on it. Can I actually claim the monies paid back?

 

bze lizzy

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  • 2 months later...

here is a good one. I live in an old house which doesnt have any off road parking. My neighbours and i have been parking outside our house for years but now we cant, apparently we cause an obstruction, but what we obstruct has yet to be defined. i have recieved 3 fixed penalty notices, which i am reluctant to pay for several reasons.

1 there are no parking retrictions in front of the house, no notices or lines.

2 several people in the village park their cars on the pavement and don't recieve a ticket.

3 the ticket jusst has Main Street as the place, however Main Street isover a mile long, so where did this offence take place.

 

We feel victimised and we wondered if the ambiquous of the place would be useful to get it withdrawn.

 

On my partners ticket they put down a date from NXT year, are they getting it in while they have a slack moment!!!!

Any advice please.

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Is this a Fixed Penalty Notice, for obstruction, issued by Police or Traffic Wardens, or a Penalty Charge Notice issued by the council?

 

What you are obstructing depends on the width of the road. Is there room to get a fire engine through with you parked there?

 

You may also obstruct view of/from side roads, if you're parked near one. Parking within 10m of a junction is a habit in some areas that really gets on my tits. :rolleyes:

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If you turn it down you will have judgement registered.

 

You MUST request a court hearing or they can register judgement. Simply ignoring it (the same as not accepting the offer) and judgement will be registered.

 

If this matter refers to Police FPN's:

 

They cannot simply register a judgement.

 

If you do not pay the ticket then the fine is sent to the court to be dealt with.

 

If you fail to attend the case may be heard in your absence.

 

If the case is won by the crown then you will be liable to pay the original penalty plus costs. (The original penalty is increased by 50% also I think).

 

Once that is done then the court will make attempts to recover the money from you. This may include the use of baliff's to recover the money OR to take you to court to be placed before the magistrates.

 

The ticket is only likely to be £30 - If you have committed the offence then pay the ticket and get rid of it.

 

If you believe it has been incorrectly issued then write to the force concerned, you will find them very helpful if it has been incorrectly issued.

_________________________

 

Barclays - Settled -£1410.00

BOS - Settled - £525

C1 - Settled - No Idea How Much!

PPI From HFC Is Next!

 

 

Please View The

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here is a good one. I live in an old house which doesnt have any off road parking. My neighbours and i have been parking outside our house for years but now we cant, apparently we cause an obstruction, but what we obstruct has yet to be defined. i have recieved 3 fixed penalty notices, which i am reluctant to pay for several reasons.

1 there are no parking retrictions in front of the house, no notices or lines.

2 several people in the village park their cars on the pavement and don't recieve a ticket.

3 the ticket jusst has Main Street as the place, however Main Street isover a mile long, so where did this offence take place.

 

We feel victimised and we wondered if the ambiquous of the place would be useful to get it withdrawn.

 

On my partners ticket they put down a date from NXT year, are they getting it in while they have a slack moment!!!!

Any advice please.

 

You need to write to the ticket office for the force who issued this ticket to you.

 

The ticket appears to have been issued incorrectly - The office should cancel this.....

_________________________

 

Barclays - Settled -£1410.00

BOS - Settled - £525

C1 - Settled - No Idea How Much!

PPI From HFC Is Next!

 

 

Please View The

FAQ's - They Contain Everything You Need!

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