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    • So a follow up for the last letter.  I got a SMS saying I had a new letter and I viewed it online.   it told me that my account is no longer on hold and I should call them to set a repayment plan.   er..no I don’t think so !   Still no response to my CCA request so I guess I will just wait for the next PAP form to come 🙄   is it worth sending a 3rd CCA request?
    • Thank you Dave, yes I have been reading a lot, but as you already mentioned mine is court one for some reason. Yes, the CPR request - printed and sent after completing the AOS online, as per dx's instructions.   And yeah the full timeline had me scrapping the vehicle and moving to new place in between the date of alleged contravention and receiving first "debt recovery" letters. To none of them did I respond as all of them said that I cannot dispute the charge as seen in the letter attached. 02/01/2020 - alleged contravention 29/11/2020 - scrapage of mentioned vehicle that I was still the registered keeper of and V5 had my address of the time on it since DVLA was reaching me and they had my details from them it should be correct 02/02/2022 - I move to my new place 18/01/2023 - first letter of debt recovery to my new address 21/11/2023 - letter of claim raised to county court Funny enough I never used that parking, so since I didn't see the pictures (the PCN or any reminder was never sent to my address in the first place, on the 18/01/2023 it was literally the first contact) I cannot even take a look whether it was my housemate as he sometimes borrowed my car, but then again I checked my emails and everything and on 01/01/2020 I was flying into the country back from holiday and was landing at Luton London Airport so me myself definitely had no business in Stansted area. I cannot even check for mercy period, whether that was actually my car or reg clone, nothing, as I never had that letter in my hands, sadly.
    • Good grief, this has to be one of the most stupid invoices issued for the most petty of reasons that we've seen here. What was the reason for your two visits? I ask as there may be the chance of getting the leisure complex to intervene.
    • Under UC there is no actual need to claim carers allowance, as long as you declare that you are caring for X for 35 hours per week and confirm they are in receipt of AA on the claim, they will verify you as a carer and you will then not be subject to the MIF, but will stil need to decalre your income and expenses each assessment period. This is because as a care, you are not expected to be available to work or have to look for work.
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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
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
      It always leads to tears!
      used car.mp4

       

       
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      Parcel delivery insurance 1.mp4
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      • 2 replies
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It's a tough situation, and one I never wanted to face.

 

I've always prided myself on paying my bills, I've never wanted nor looked for any kind of easy way out. If I have used the money, I owe it and I want to repay it. But now its getting too much.

 

I owe over £20000 to numerous different people, banks and credit cards mostly, but a few other places as well. When I've been out of work previously, I and my girlfriend have had to have her take out loans or credit cards to help us get by, and with just her wages, she can just about meet all the repayments herself for those taken out in her name.

 

However now things are getting to be too much. I have been out of work since December and it doesn't appear that I will be finding work any time soon. I suffer chronic back pain, so much so that I can barely walk or stand for more than a couple of minutes before the pain becomes unbearable. Due to my being overweight, my doctor refuses to see past my waist line and will not sign me as unfit for work. I am still looking for work, hoping to find a job where I can sit down all day, because I AM capable of doing that, however I Don't drive and there are pretty much no jobs of that sort local to me.

 

Basically, my own debts are piling high and I have no way of repaying them. The Job Center has stopped my JSA as I have passed the 180 day mark for contribution based, and as my girlfriend works full time, I have no allowance for any other sort, so I have no income coming in to even give 5 or 10 pounds. I have tried offering £1 p/m but that was met with refusal.

 

If I found a job tomorrow, even at minimum wage working 40 hours p/w, that would be more than enough to meet all my bills and leave us relatively well off with disposable income (though I'd rather bank it in case of another time of hardship) but my opportunities for work are very limited and as such it could be months until I find work again.

 

I have no assets, no children, the only material possessions we own are standard fair, TV and DVD's etc.

 

Is Bankruptcy the right choice for me? Or do I have other options?

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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you are not alone..........

 

i'd be inclined to fire off a CCA request to evryone of your creditors, and when they start coming back - start a thread in the relevent forum for the co.

 

pers i would not rec bk until your situation is fully investigated.

 

we are all here to help

 

the more you read the stronger you become.

 

dont forget also that any loans or CC's are fair game for reclaiming any charges. i'd also closely look check that you are not paying for any PPI's those you can also reclaim esp if you were mis-sold them

 

all the best

 

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

and they

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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you are not alone..........

 

i'd be inclined to fire off a CCA request to evryone of your creditors, and when they start coming back - start a thread in the relevent forum for the co.

 

pers i would not rec bk until your situation is fully investigated.

 

we are all here to help

 

the more you read the stronger you become.

 

dont forget also that any loans or CC's are fair game for reclaiming any charges. i'd also closely look check that you are not paying for any PPI's those you can also reclaim esp if you were mis-sold them

 

all the best

 

dx

 

CCA's first. Ok I'll go with that. Thank you.

 

Next question, what are CCA's and how do I use them?

 

I'm sorry, you'll likely need to lead me around by the hand as I have no idea about any of this.

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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Hi there, after reading your post, I appreciate where you are coming from. My partner has also been out of work since December, and due to him working in the building trade has not managed to gain another job since.

Bankruptcy is usually the last resort. If you have no assets, you would not lose anything by going bankrupt. However, it does have a stigma attached to it, and can affect future credit and employment and there is an upfront fee to bankruptcy of just under £500.

There is the option of a debt management plan where you can pay a minimum of £50 into the arrangement until you get back on your feet, and when you can afford to pay more. There are free of charge companies for this such as Payplan or CCCS.

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CCA's first. Ok I'll go with that. Thank you.

 

Next question, what are CCA's and how do I use them?

 

I'm sorry, you'll likely need to lead me around by the hand as I have no idea about any of this.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

post it off with a £1 PO

dont sign the letter as it might get scanned and copied over to fake docs.

 

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

and they

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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Share on other sites

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

post it off with a £1 PO

dont sign the letter as it might get scanned and copied over to fake docs.

 

dx

 

OK, lovely Il get started on that. Thank you.

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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OK 2 quick questions before I finalize these and mail them out, should I send them too the original holding companies or the DCA's?

 

Second, HFC bank have no had there solicitors send me a typically nasty letter, should I send the CCA to the solicitors or HFC? And should I inform their solicitors about my sending the CCA at all?

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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OK great, thanks.

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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