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    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
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Lloyds Debt Help Please


beyondhope
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My husband had a select account with Lloyds a few years ago with a standard overdraft of £50 im pretty sure it was never agreed above the standard. Due to circumstances we went over this limit and of course were hit by charges. Naively of us we ignored it and the debt now stands at £810 made purely of charges. We did write to them and hand delivered it to the local branch asking them to change the account to a standard account to avoid the £7.95 a month charge increasing the debt any further, this request was completely ignored. Life then inevitably got in the way and this didnt get sorted and we now have a DCA chasing it. The account is showing on my husbands credit report as status 8. We believe this debt is now around 4/5 years old but is only showing as a default as of this year?! Is there anyway this balance could be reduced as it is made up purely of charges by Lloyds? I am not running from this debt i want it sorted just wondered if theres anything i can do about the fact it is made up at least 90% of charges. Would it be worth sending a CCA to the DCA? Thanks in advance for any advice and help.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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Hi,

I don't think it would do any good sending a CCA to the DCA as generally overdrafts are not covered( there are some exceptions) however, I would SAR the bank to get your statements back and then bang in a claim for the charges to be refunded.

Only when you have put your claim in with the bank does the account become "in dispute", not before so with the DCA, you need to delay them a little so a prove it letter may be the way to go.

I'm surprised they have only defaulted you this year as the bank have a duty to default "in a timely manner". (usually 3-6 months after last payment to the account)

Once you get your SAR back you will be more informed

 

fox

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I did wonder about SAR the bank but didnt know if i would be able to claim the charges due to them not being paid in the first place if that makes sense. The account certainly hasnt had funds go into it for 4 and a half years as we have had a joint account since then and all wages have gone into that, so they have certainly taken their time defaulting.

 

Thanks for your help fox ill get the SAR in and see what we have from there.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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You won't be able to claim the money back as you didn't pay it in the first place but you can get it taken off the balance.

 

When you get your SAR back, it should include screenshots of your account history and then you will be able to see why they didn't default you. After that I would complain to the bank and try to get the default removed and if the don't you can go to the FOS.

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

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Thanks again I didnt realise you could claim to have them removed from an account i thought it was only possible if they had already been paid and for your to receive the money back. Thanks very much for your help fox i shall send the SAR this wk. :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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  • 4 months later...

I have been so caught up with another problem I havent done anything with this. I have now received a letter from lloyds stating the same balance as previously so the account is obviously now frozen. The letter included an income and expenditure form. Do I now return the I&E along with an SAR or ignore the I&E and just send SAR? thanks in advance for your help

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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They wouldnt be wrong...

 

Hubby lost his job in feb so now neither of us are working (not for the want of trying :( ) we are receiving income based jsa and £100 child tax credit for 3 young children so theres nothing there for them to have really anyway.

 

Any ideas on best plan of attack? I&E and SAR or just SAR?

 

Thanks

Edited by beyondhope
more info

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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They wouldnt be wrong...

 

Hubby lost his job in feb so now neither of us are working (not for the want of trying :( ) we are receiving income based jsa and £100 child tax credit for 3 young children so theres nothing there for them to have really anyway.

 

Any ideas on best plan of attack? I&E and SAR or just SAR?

 

Thanks

i would just send them the sar request. ha captain daniels and his bunch of piarates at lloyds wont be getting any treasure from you.

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Theres certainly no treasure here and even if there was they would have to get in the queue, this account hasnt been touched for 4.5-5yrs due to having a joint account when we got married.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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can someone point me in the direction of sar request I have no idea where the one I saved to computer has gone :mad:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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Thanks rhos will get that sent this week :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Thanks again :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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