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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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Can you advise re defaults and credit reports


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Hi, my friend has two defaults dating back to 11/2003, however on his credit report it says...file updated for the period to 6/2004, what does this mean exactly? I'm fairly certain he hasn't acknowledged or paid anything towards these debts.

 

Also, I found a default letter which states I owe £98, but on my credit report it says £300, this is re Littlewoods, default placed by Phoenix recoveries. I have letters from Littlewoods stating I owe £380, this may be due to charges etc. confusing!

 

If anyone can help I would appreciate it, especially for my friend who is getting married next year and trying to sort his finances out!

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HI, Look at the bits in red

 

Hi, my friend has two defaults dating back to 11/2003, however on his credit report it says...file updated for the period to 6/2004, what does this mean exactly? I'm fairly certain he hasn't acknowledged or paid anything towards these debts.

 

The reporting period is when the original creditor last updated the file. They've obviously not bothered since June 04. My advice, don't rock the boat. This debt may already be Statute Barred (depending on payments made)

 

Also, I found a default letter which states I owe £98, but on my credit report it says £300, this is re Littlewoods, default placed by Phoenix recoveries. I have letters from Littlewoods stating I owe £380, this may be due to charges etc. confusing!

 

This has probably been sold by Littlewoods as Phoenix have replaced Littlewoods as the OC. Some dates would be useful

 

If anyone can help I would appreciate it, especially for my friend who is getting married next year and trying to sort his finances out!

 

 

Hope that helps

 

fox

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If he was defaulted around 11/03 and he has made no payments nor acknowledged the debt (in writing) the debt will be SB by 11/09

 

The cause of action (not the default date) is when the SB clock starts ticking.

For example, your friend stopped paying in August 03, the OC starts making late payment markers on his credit file in september and october then defaults him in November, the cause of action (I believe) would be September 03.

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Well it should drop off his file anytime soon. If anyone tries to collect then a stern bog off letter with the terms "Statute Barred" should suffice.

If you are asked to deal with any matter via private message, PLEASE report it.

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its for them to prove it not statute barred not for you to prove it is.

 

you've [he's] just got a phishing letter list.

ignore all the letters etc.

even if you reply, it will make no diff

the list will just be sold on.

they dont tell each other they are SB debts. else they won't buy the debt!

 

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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Thankyou fox and dx,

My friend just gets fed up with all the letters that arrive! he's tempted to call them but I said NO. These people hope that you haven't heard of Consumeractiongroup and therefore don't know your rights. I think he just needs to sit tight for a bit longer.

Thanks to the helpful advice I have recieved on here, I stopped making payments that I couldn't really afford and told a debt collector that arrived at my door without an appointment to come back next week, then I told him I would pay it back at £5 a month and not a penny more! :)

I used to be too scared to open the letters before I found this site.

 

Thanks again, hope it's a sunny day wherever you are as it is here in Dorset!

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I stopped making payments that I couldn't really afford and told a debt collector that arrived at my door without an appointment to come back next week, then I told him I would pay it back at £5 a month and not a penny more! :)

I used to be too scared to open the letters before I found this site.

 

Thanks again, hope it's a sunny day wherever you are as it is here in Dorset!

 

well i hope you checked the Co. has a CCA?

 

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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