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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Bank has added Statute barred debt to credit file


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Hi All

Just when I thought that it was safe to go back into the water - I find that my bank has added a Default to my Credit File. Now the strange thing is that it is supposed to be for a loan taken out with them in 2002. I do not know anything about this loan. It has only appeared in the last month,

I have had no contact with them about this supposed debt- I did not bank with them in 2002 and the address that they linked the debt to I did live at but not in 2008! So can I sue them for deformation of character, libel and slander just for the hell of it?

Thanks all in advance.

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First I would make a CCA request for an agreement and state clearly in the letter that you have no record of ever having have a loan with them. Find out if they have an agreement and whose name/signature is on it.

 

Either they will have no record of the agreement or it will have someone else's signature on it. Then you can threaten to sue them if they do not immediately remove the negative record.

Working to help set people free from debt.

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Hi Debtdeception

Yes I was thinking along those lines but I shall have to call into the bank tommorrow to get the right address. Thing is the loan seems to have been taken out with their offshore finance division! (for high rollers?) methinks a bit of ID theft?

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I would also complain to the CRA and advise them that as the information they have posted on your file is incorrect You are seeking legal advice regarding a claim for defamation. as they are obliged to prove that their information is correct and not just blindly accept that the creditor is telling them the truth.

 

Given that they have just had their ar@es well and truly spanked in court, I would reckon you'd grab their attention

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I have just had a memory flashback! I just had a senior moment!

The loan was with Blackhorse, for a car. When I traded up, the loan was paid off. I cannot prove this as a lot has happened since 96/97. I think LLoyds got hold of it when they took over the prancing horse. Quite why their offshore division got hold of it I do not know. They have not been in touch with me over this at all at any address that I have lived at since then and I have banked with them (but not at that time) so they know where I Live - The credit file shows the default at an address I left two years ago.:confused: I feel a bemused letter coming on followed by a visit to my advisor at the disability centre that I use! Thanks for the advice one and all!

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Deleted my misleading and confusing comments! BB tells BB how to use a computer!;)

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I was of the opinion that any new default must replace the old one -ie at the exact same date,not a new one for when they took it over.....so if it was a statute barred debt to begin with,the default would not show up on any search as it would be more than 6 years ago

 

Yes LTWFT you are quite right, It would appear my elbows cut and pasted the wrong piece of info:-x

 

As you say once a debt is SB, the dates cannot be changed to suit the sale of the debt and then placed back on your CRF for another 6 years then sold again and re-entered on the CRF as an adverse entry, as once it becomes SB the time limit for placing the adverse info on your CRF has run it's course.

 

I'm going to have to fine tune my elbows, and do another college course:p

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I'm sorry but the last people I would take advice from on this issue is NDL cos they are wrong, check with the OFT a debt OVER 6 years old cannot & should not be registered with a CRA We are told by the CRA that all adverse data is removed after 6 years. If these **** could do as NDL suggest then there would be no end to it.

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I'm sorry but the last people I would take advice from on this issue is NDL cos they are wrong, check with the OFT a debt OVER 6 years old cannot & should not be registered with a CRA We are told by the CRA that all adverse data is removed after 6 years. If these **** could do as NDL suggest then there would be no end to it.

 

Yes you are right, the confusion was my inability to correctly cut and paste the right part of the advice i had been given by NDL, so I am very sorry if this has led to any confusion on SB debts.

 

Once a debt becomes SB it then remains SB whatever then transpires, and as it is SB it has passed it's 6 year 'use by' date and therefore cannot be placed upon your CRF as an adverse entry, regardless of how many times DCA's want to play pass the hot potato with it:D

 

Sorry if i have caused confusion:(

Edited by Bazooka Boo
Night school for me, to learn to type!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes you are right, the confusion was my inability to correctly cut and paste the right part of the advice i had been given by NDL, so I am very sorry if this has led to any confusion on SB debts.

 

Once a debt becomes SB it hen remains SB whatever then transpires, and as it is SB it has passed it's 6 year 'use by' date and therefore cannot be placed upon your CRF as an adverse entry, regardless of how many times DCA's want to play pass the hot potato with it:D

 

Sorry if i have caused confusion:(

 

That's OK just go & sit on the naughty step ........... getting us all worked up......again

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That's OK just go & sit on the naughty step ........... getting us all worked up......again

 

I would if I had one, but it's been collected:p

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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