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    • It's solved Laura.  It's in the paragraph I've highlighted here in the attachment from the IAS. Plus look at page 28 of the PDF of Bank's WS.  There is written - 157 IPS 29/04/2022 12:52 29/04/2022 14:52 YE60PZA 158 IPS 29/04/2022 12:51 29/04/2022 14:51 YE60PZA - there are the two payments. One is for the elderly woman's car. One is for your son's, but with the wrong registration. When I get a second this evening I'll add the exhibits to the WS and it will be finished. IAS adjudicator's report.pdf
    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
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1st credit and bankruptcy order..please help me


tony101
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Can CPR be used for Bankruptcy Cases. I thought it couldnt

 

Bankruptcy hasnt been ordered yet.

 

Just A Thought Being Its Still A Court Process

 

A very good suggestion. Can you post the link to CCA requests please.

 

havnt got any money what so ever,i wish i had,but i cannot tell my wife.

 

Have a think about funds. If you have been in your house 23 years, do you have any equity?

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cant release any money from house,had arrears a while back,excuse me if i dont answer replies straight away as my wife is in and out of the room.thanks again to everyone who is trying to help me.

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Bankrupcy Petition On The 9 November

 

How About Sending 1st Crud A Cca Request

 

Then We Can Show The Judge They Are In Default Of That Request

 

Throw In Assignment Notice

 

Was The Assignment Received By Registered Post To Conform With The Law Of Property Act 1925

 

Throw In A Copy Of The Default Notice

 

Judge Will Not Be To Happy On Non Compliance

 

We All Know On The Reputation Of 1st Crud And Releasing Docs

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Have a read through these.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112326-dcas-statutory-demands-few.html

 

The Insolvency Service Website

 

I know its a lot to take in all at once, but if there is no chance of raising the funds, you must decide on a strategy of defence, or a plan of payment.

 

Bankruptcy, although not certain here, and not the end of the world, can be very expensive if you have assets like property.

 

I strongly advise you to get in and see an Insolvency Practitioner ASAP.

The meeting should be free, my 4 hours were, because they think they might get an IVA management fee out of you.

 

And if the VERY WORST were to happen, all is still not lost.

 

Fast Track Voluntary Arrangements

 

 

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If you have no equity in the house and no other money I cannot see what Worst Credit hope to gain by making you bankrupt other than seeking to punish you. All your debts will be added together and Worst Credit will only get a percentage of what they are owed. When they take into account how much the Bankruptcy petition will cost them and bearing in mind you offered them a payment plan I can see no other reason for this petition.

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thanks to everyone on here who is trying to help me wiyh my situation.sorry i cant get back to you all sooner,cant get on the computer as much as i liked too,shall i first request a cca of 1st credit,if yes how do i word the letter...again thankyou all very much as you have all made me feel a bit better with all your suggestions..thankyou all

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Hi, tony.

 

Here's the CCA request letter...............

 

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

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...

hello everyone,thought i keep you updated...sent cca request on 21st october,still no reply,sent it recorded delivery,received a sort of annual statement on saturday 24th of 1st credit with a payments option,phoned 1st credit about offering a weekly payment offer,but was told to phone moorhead james,so phoned them to hear an automated service saying "if you are phoning corncerning 1st credit with a proposal of payement please send a fax or letter with your proposal".......dont know what to do,should i send a proposal or not,bankruptcy hearing is getting closer(9th november)and i am really worried..

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hello everyone,thought i keep you updated...sent cca request on 21st october,still no reply,sent it recorded delivery,received a sort of annual statement on saturday 24th of 1st credit with a payments option,phoned 1st credit about offering a weekly payment offer,but was told to phone moorhead james,so phoned them to hear an automated service saying "if you are phoning corncerning 1st credit with a proposal of payement please send a fax or letter with your proposal".......dont know what to do,should i send a proposal or not,bankruptcy hearing is getting closer(9th november)and i am really worried.. forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifclose.gif OFT action against 1st Credit Follow this link to see the action which the OFT has taken against 1st Credit

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

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Two threads merged.

 

tony101, please stick to the one thread on this subject, makes it easier for people to help you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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If you have no equity in the house and no other money I cannot see what Worst Credit hope to gain by making you bankrupt other than seeking to punish you.

 

If 1sCredit know you have lived in your house for 23 years they will be under the impression (wrongly in your case from what you've said) that there must be a lot of equity in it for them to get their grubby hands on. They forget that people may have remortgaged up to the hilt over the years and there is no equity left.

 

How are you getting on with your preparations for this meeting?

 

 

.

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the house was bought under a shared ownership scheme which is 50% owned by the local council,so theirs not a lot of eqiuty in the house...what paper work do i need for the hearing? sent a cca request on the 22nd by recorded delivery and i checked on the post office tracking site last night and its still in their system(bloody postal strike i guess)what do i do now?

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well i very much doubt ist crud will get any agreement by the time of the hearing

 

that will be a defence in its self

send another letter if you have not done so allready by recorded delievery

 

ask for the default notice

notice of assignment

 

lets put this back into there ball court shall we

 

a complaint about these sd needs to be made to the oft as 1st crud are on probation over this

 

as long as you have the recorded receipt, thats fine

 

let us know of any correspondants and ill let you know what to do in a weeks time

 

dont panic

 

this is going no ware

 

court is not that bad

what ever the reason

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hi everyone,6 days to go for bankruptcy hearing and getting really nervous.still havnt received my cca i requested from ist credit....can anyone tell me what to expect in court,what kind of questions the judge will ask me etc.the only piece of paperwork i have is the receipt for the cca request i sent by recorded delivery.......just need to know what to expect..thankyou.

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It is denied that that the Defendant can have liability to "pay" the Claimant sums of money simply on account of "requests for payment" in relation to a xxxxxxxxxxx- the only matters pleaded.

 

 

No cause of action known to English Law exists on the basis of such "requests for payment" (whether repeated or not).

 

 

 

b) Neither the Claimant being xxxxxxx which it appears (on the face of the Particulars, although due to their vagueness it is hard to know) to be being alleged were due

 

 

c) In any event, it is denied that the Defendant has or ever has had liability to pay - whomever that may be - any sum whatsoever.

 

2. It is expressly denied the Defendant is liable to pay any money pursuant to contract or otherwise to the Claimant.

 

3. Without prejudice to the above contentions, the Defendant asserts that in particular, given that the original of the liability is said to be a xxxxxxxxxxx given by " (which is a person / entity / company not known to the Defendant), it will be the case, taking into account the amount of the liability, that the transaction and the underlying agreement (if any) between xxxxxxxxxxxxxx and the Claimant would be regulated by the terms of the Consumer Credit Act 1974.

 

4. It is the express contention of the Defendant - again without prejudice to the contention that there is in fact no agreement - that any such agreement as exists does not comply with the Act. It is impossible to plead further in the absence of a pleading by the Claimant as to what the agreement was and what its terms were,

 

 

take a copy with you that is what you are saying

 

 

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