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    • I would only rely on your solicitor in this regard. The other two should not have a view.   And, you are responsible for how the court perceive you. They only have your words and deeds to go on. Expecting them to magically see things your way is not a great tactic.
    • Yes, I don't think there is any downside to doing this. If they decline then you can say that in your witness statement
    • Ok! Do you still want me to work on that letter you discussed above in post #26?
    • Thank you for posting up the required details and well done for apparently not revealing the identity of the driver. I am assuming you are the keeper? The depth of ignorance of the parking companies is absolutely amazing. The Protection of Freedoms Act 2012 Schedule 4 is the law relating to private parking and allows those rogues to be able to transfer the charge from the driver [whose name they do not know] to the keeper after 28 days . This is dependent on them complying with the Act. So many of the don't and Alliance is no different. It would help if we could see what you appeal was and to post the back of the PCN as it is lacking so much of the wording necessary to make it compliant so that in your case only the driver is liable to pay the charge. And of course just entering the ANPR arrival times means that they have failed to specify the parking time which is a requirement..  Because the car park was so busy you had to drive around for quite a while before finally finding a place to park which is when the parking period may  actually begin. The poor dears at Alliance have not grasped that particular part of the legislation as yet. To be fair the Act has only been in place for 12 years so one must make allowances for their stupidity . We shouldn't really mock them- but it is fun. You weren't to know but the chances of winning an appeal against Alliance and the IPC is around 5%-and that is high for them. If they allow you to cancel they lose the chance of making money and they would have had a field day when you were there with so many people being caught overstaying because of the chaos in trying to find a parking space then trying to pay.  Your snotty letter could go something like this- Dear Cretins, Yes I mean you Alliance. After 12 years one would have thought that even you could produce a compliant PCN. Did you really think I would pay you a penny extra considering the time I wasted trying  to pay with  long queues at the parking machine, then trying to get a signal to call Just Park. On top of that you then had the cheek to ask for an additional £70 for what dubious unspecified pleasure? You must have made a killing that day charging all those motorists for overstaying because the queues to pay were do long and even walking to pay from the over flow parking fields takes time. And yes I did take photos of the non existent signs in the fields so please don't give me the usual rubbish about your signs being clearly visible. Oh yes that £70. Please tell me and the Court whether that charge included VAT and if it did, why am I being charged to pay your vat? I am sure the Judge would look carefully at that as well as the Inland Revenue. The truth is you had no reasonable cause to ask the DVLA for my data given the chaos at your car park and I believe that you therefore breached my GDPR...................... I expect others will give their views as well.          
    • opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.
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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.

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      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
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Short Settlements


JD2002
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Hi, I am in the process of trying to agree short settlements on my credit card and loans.

 

I was wondering if anyone can help with the following?

 

How will they appear on my credit files?

 

Settled? Short Settled? Partially Settled? Settled after Default?

 

Does anyone know all the codes they use on settled accounts?, as in are there anymore that i have not listed above.

 

I wrote to all of my creditors with their offers, of about 25% of the balances on each.

 

In the letter I asked for written confirmation of the following. Can anyone look at these and see if they would be acceptable by the creditors?

 

  • On receipt of £XXXX, *Creditor Name*and all associated companies will accept this payment as full and final settlement of Account Number *********, and I will be released of any liability.
  • *Creditor Name* and associated companies dealing with this account will take no further action regarding the Account Number *********.
  • No further money will be owed to *Creditor Name* in respect of Account Number ********* and you will not pursue any longer for any amount.
  • An entry will be made with all relevant credit reference agencies as account "satisfied" and “settled” in full for Account Number **********.
  • The payment history on all credit reference agencies will show up as up to date and no missed payment.

Many thanks for any help.

JD2002

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I can help on this

 

just been through it

 

Cabot owed 2100 offered them 1500 agreed on 1650 after haggling on phone

 

barclaycard 2200 offered 1500 they accepted via letter

 

citi card (these guys are hard work) owed 1000 offered 600

 

sent letter no reponse sent recorded letter reply declined replaying they dont do short settlements

 

rung them up spent about 3 hours on phone on various days

 

told them moving to cuba blah blah and that i will withdrawing my offer and not paying them any more money in the arrangement told them id been made redundant finally

 

right sorry for babbling on

 

just trying to make you aware of possible tactics needed to get them to agree

 

your wording wont really matter on your letter make sure when you start to haggle that you tell them you cannot afford to pay the arrangement anymore due to job loss and that the short settlement is by way of a gift from your family as a 1 off gesture

 

when you get the offer agreed dont send them any funds until you have recieved the full and final settlement letter off them

 

if you have arrangements to pay on CRA they will change to settled in full with a flag saying however payment would not fully clear outstanding balance. Partial Settled will drop 6 years from settlement date

 

if you have a default it will go to settled and will drop 6 years from default date

 

Hope this helps

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I wouldn't offer more than 10-20% of the debt if it's been sold to a DCA. If it's still with the original creditor it will be significantly more.

 

That said, do you know if the debts are legally enforceable?

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