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    • The sticky thread is locked because it's just a template thread. We need to see the invoice you're disputing. And for you to answer the questions below (I'm guessing this is an ANPR capture, the vast majority of tickets are) -   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up both sides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY
    • Perfect, thanks Dave.   You're right, a whole dodo storm this has been. As sons of first-generation immigrant parents, whenever something like this happens the old man panics. There was a whole "appeal this now" because my dad paid for the parking as he was with the hirer at the time and he isn't as tech-savvy as my brother so he ended up doing what he did and because I don't live there anymore it came all the way down to this.  But yes, we'll do this SAR and see what comes of it.  Will keep posting here with the hopes that it may benefit someone in the future.  Thanks again, everyone. 
    • saying the thread is locked, what shall I do?
    • Please fill in the forum sticky and upload a copy of the invoice, redacted of anything that could identify you -  
    • first time to use this forum, so a bit clueless got a PCN from Horizon, saying that "exceeded ma stay period" any template for me to make appeal please?
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:confused:Hi Folks

,

 

Any quick comments on this one?

 

Entered into IVA since 2006, payment in order until default on payment in 2008 ; wrote to IVA supervisors to accept some agreed payment to creditors in default.

 

Insolvency company refuses and calls creditors meeting to discuss default notice. Notified that it has been agreed by creditors to share all payments ; furthermore all creditors notified that they can pursue me for original sum. Have been notified by one creditor that they wish to appoint a credit agency to collect debt.

 

What do I do and can somebody help with this tread ?

 

Knights Templar

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  • 3 weeks later...
  • 4 weeks later...

I take default to mean you missed 3 payments and the IVA company failed your arrangement. That's surprising since many of the creditors will only have had a small amount of money in those first few years. You have the options of starting a new IVA with a new company or entering into a debt management plan, or dealing with the debts yourself or of bankruptcy.

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I agree with GeorgeNash, if you have failed your IVA, your options would be either the debt management plan, bankruptcy or re-submitting your IVA proposals, and starting again. If you do not feel you can manage the payments proposed, you must let your supervisor/IP know so that they can review this early on, hold a meeting and prevent your IVA from failing. x

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  • 1 month later...

Please help??

 

I had an IVA with Debt matters in 2007, who sold it to in 2008 to Grant Thornton as soon as the supervisors charges were received from myself (£1200!). I then seperated from my wife in february 2009 who was in the joint IVA with me and subsequently suffered severe depression and even attempted suicide as a result of financial presure. I was only receiving incapacity bennefit and wrote to Grant Thornton telling them that we had seperated and I felf the IVA was no longer viable and wrote directly to each of my creditors asking them to write off the debt due to my mental health and financial issues. None of my creditors replied to me and Grant Thornton simply waited 6 months then Wrote to me in september with a failure notice! I owe approximately £15,000 should I file for bankrupsy now or ?

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Hi

 

Yes, if you miss 3 or more payments and do not contact the supervisor to inform them that you are having difficulty in making the IVA payments, they can fail your arrangement, which is why it has been passed to a debt collection agency. You could enter into a DMP until you feel ready for an IVA again.

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  • 8 months later...

:?:hi caggers,

have not being on thread for quite awhile now;received a letter from solicitors to pay outstaning debt which was failed by IVA supervisor; how do I respnd to letter as I am not in a position to pay debt; but could arrange or make arragement pay debt in instament. I assume ABBEY National now Santardar may have sold the debt to a second party. Iva based on multiple debts of which I wrote to Nat. West Bank with reasonable reasons which resulted in cancellation of Nat. West debt ; Abbey National seem to want to pursue the debt.

 

Any clear caggers with advice?

 

knights templar

Edited by knights templar
additional account and spell checks
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  • 1 month later...
:?:hi caggers,

have not being on thread for quite awhile now;received a letter from solicitors to pay outstaning debt which was failed by IVA supervisor; how do I respnd to letter as I am not in a position to pay debt; but could arrange or make arragement pay debt in instament. I assume ABBEY National now Santardar may have sold the debt to a second party. Iva based on multiple debts of which I wrote to Nat. West Bank with reasonable reasons which resulted in cancellation of Nat. West debt ; Abbey National seem to want to pursue the debt.

 

Any clear caggers with advice?

 

knights templar

 

Hiya KT. Sorry i can't offer any advice to you but thought I would bump this as its very similar to my current situation.

 

Due to redundancy, I was unable to maintain payments and my IVA failed over 12 months ago. I am beginning to get some letters from DCA's asking for vast amounts of money from some of the creditors on the IVA.

 

I'm back in work and earning a decent wage and was wondering if another IVA would be the way to go, I'd rather not go bankrupt due to losing the house which I pay the mortgage on.

 

Getting worried as the letters are becoming more and more frequent now.

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