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    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
    • I have just opened another bank acc with lloyds (i have a few already) After doing some research they may have some relation to tsb or be apart of the same group will this cause me issue if my salary is paid into my lloyds account? Also, if the debts do go into default and nothing is paid then after 6 years it all goes away? As the DCAs cannot do anything? I do want to start paying in like 3/4 months or do you advise I leave it if it goes into default? again sorry for all the questions, i am just processing everything
    • one reply only  follow post 2 of letter of claim <<clickme link. dx
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Hi

 

Can anybody offer any advice on the following scenario

 

I owe 28.5K (2 loans totalling 20k, 1 credit card 6k) my hours were cut at work approx 6mths ago and i have struggled along until now and its getting me down so i feel i need to do something about this financial mess im in.

 

Husband has a loan and credit card and never misses a payment and he can afford these with enough money left for us to just about live on but not enough to help me pay my loans.

 

We also have a joint overdraft of 5k

 

I have looked at an IVA for me only as we would like to keep my husband clear of any defaults if possible incase we need any credit agreements in the future.

 

I'm not sure when putting down joint responsibility for things like the mortgage ie how much i should pay ? The mortgage is £500 each month so do i put down £250 as my share and is everthing worked out 50/50 or should it be a percentage based on my earnings compared our overall income ? for example say he earns £1500 and i earn £500 the total income is £2000 and my income contribution is 25% hence should my mortgage contribution be 25% ? Hope this makes sense !!

 

Also how do we go on with the joint overdraft as i want to go into an IVA and my husband does not want to ? He cannot afford to pay this if the bank demand immediate payment as i suspect they will ?

 

And finally our mortgage is up for remortgage in 2 years time - How easy will it be to get a decent mortgage rate with me on an IVA ?

 

thanks in advance

Edited by axxo
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Hi

 

Can anybody offer any advice on the following scenario

 

I owe 28.5K (2 loans totalling 20k, 1 credit card 6k) my hours were cut at work approx 6mths ago and i have struggled along until now and its getting me down so i feel i need to do something about this financial mess im in.

 

Husband has a loan and credit card and never misses a payment and he can afford these with enough money left for us to just about live on but not enough to help me pay my loans.

 

We also have a joint overdraft of 5k

 

I have looked at an IVA for me only as we would like to keep my husband clear of any defaults if possible incase we need any credit agreements in the future.

 

I'm not sure when putting down joint responsibility for things like the mortgage ie how much i should pay ? The mortgage is £500 each month so do i put down £250 as my share and is everthing worked out 50/50 or should it be a percentage based on my earnings compared our overall income ? for example say he earns £1500 and i earn £500 the total income is £2000 and my income contribution is 25% hence should my mortgage contribution be 25% ? Hope this makes sense !!

 

Also how do we go on with the joint overdraft as i want to go into an IVA and my husband does not want to ? He cannot afford to pay this if the bank demand immediate payment as i suspect they will ?

 

And finally our mortgage is up for remortgage in 2 years time - How easy will it be to get a decent mortgage rate with me on an IVA ?

 

thanks in advance

 

Hi

 

Difficult to give you any clear answers as more information would be needed -

 

If you apply the percentage expenditure formula that you have mentioned what is the amount of disposable income you have left ?

 

Is there any equity in your home?

 

When you say you have looked at an IVA, could you elaborate further.

 

Have you looked at other solutions such as bankruptcy ?

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Hi

 

Can anybody offer any advice on the following scenario

 

I owe 28.5K (2 loans totalling 20k, 1 credit card 6k) my hours were cut at work approx 6mths ago and i have struggled along until now and its getting me down so i feel i need to do something about this financial mess im in.

 

Husband has a loan and credit card and never misses a payment and he can afford these with enough money left for us to just about live on but not enough to help me pay my loans.

 

We also have a joint overdraft of 5k

 

I have looked at an IVA for me only as we would like to keep my husband clear of any defaults if possible incase we need any credit agreements in the future.

 

I'm not sure when putting down joint responsibility for things like the mortgage ie how much i should pay ? The mortgage is £500 each month so do i put down £250 as my share and is everthing worked out 50/50 or should it be a percentage based on my earnings compared our overall income ? for example say he earns £1500 and i earn £500 the total income is £2000 and my income contribution is 25% hence should my mortgage contribution be 25% ? Hope this makes sense !!

 

Also how do we go on with the joint overdraft as i want to go into an IVA and my husband does not want to ? He cannot afford to pay this if the bank demand immediate payment as i suspect they will ?

 

And finally our mortgage is up for remortgage in 2 years time - How easy will it be to get a decent mortgage rate with me on an IVA ?

 

thanks in advance

 

Hi

 

Difficult to give you any clear answers as much more information would be needed on your overall circumstances

and It may be problematic to enter an IVA on your own.

 

If you apply the percentage expenditure formula that you have mentioned what is the amount of disposable income you have left ?

 

Is there any equity in your home?

 

When you say you have looked at an IVA, could you elaborate further.

 

Have you looked at other solutions such as bankruptcy ?

 

Your husband would be left liable for the overdraft if you go down any of the formal insolvency routes

 

Some up to date info on IVAs below that might help -

 

http://www.insolvency.gov.uk/insolvencyprofessionandlegislation/policychange/foum2007/plenarymeeting.htm

 

Apologies for the post duplication

Edited by Wintry
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Thanks for your reply

 

I have been on the CCCS website and filled in my details applying the above formula and i have roughly £190 left and their site is suggesting an IVA. We have approx 35k equity in the house. We have looked at remortgaging (I know may on here say don't turn unsecured into secured debt) but its not looking likely anyway as we have been turned down by 2 lenders now.

 

Thanks for the link but i cannot get it to work

 

axxo

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Hi

 

Difficult to give you any clear answers as much more information would be needed on your overall circumstances

and It may be problematic to enter an IVA on your own.

 

 

Not really 'difficult' to give answers if you have been through it. If you havent I guess it would be.:mad:

 

Had the same situation see other threads (my partner had the good credit rating)

 

The person in question can PM happy to answer based on my experience

 

ps I enter an IVA on my own it wasn't problematic

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Not really 'difficult' to give answers if you have been through it. If you havent I guess it would be.:mad:

 

Had the same situation see other threads (my partner had the good credit rating)

 

The person in question can PM happy to answer based on my experience

 

ps I enter an IVA on my own it wasn't problematic

 

Hi stewpots

 

Not difficult, PMs ?

 

Dont be modest, shy or vain, why not give and share your advice on this thread ?

 

PS - Anybody thinking of an IVA - No situation is the same and very risky to advise without knowing the full details, any good IP will always tell you that.

 

Thousands of IVAs have failed or do not run their course, always best to make sure that you get full, appropriate advice and that you understand what you are going into (especially if you have assets such as your home).

 

Forum posters such as stewpots are very unlikely to be around to catch you if you fall.

 

That I can assure you of :)

Edited by Wintry
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Hi stewpots

 

Not difficult, PMs ?

 

Dont be modest, shy or vain, why not give and share your advice on this thread ?

 

PS - Anybody thinking of an IVA - No situation is the same and very risky to advise without knowing the full details, any good IP will always tell you that.

 

Thousands of IVAs have failed or do not run their course, always best to make sure that you get full, appropriate advice and that you understand what you are going into (especially if you have assets such as your home).

 

Forum posters such as stewpots are very unlikely to be around to catch you if you fall.

 

That I can assure you of :)

 

Hence the PM my friend :)

 

My 'advice' would be based on my experience and may as you say not be suited to anyone else and so is not suitable for a public forum

 

What I wouldn't say in a public forum based on no experience is that it would be difficult to get a sole IVA etc etc, it seems you have now acknowledged that , ie you dont know:-)

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Hence the PM my friend :)

 

My 'advice' would be based on my experience and may as you say not be suited to anyone else and so is not suitable for a public forum

 

What I wouldn't say in a public forum based on no experience is that it would be difficult to get a sole IVA etc etc, it seems you have now acknowledged that , ie you dont know:-)

 

Hi stewpots

 

It is never wise to assume, and I have acknowledged nothing.

 

I deal with IVAs almost every day and have done for years.

 

Where did I actually say that it would be 'difficult to get a sole IVA' ?

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I have looked at an IVA for me only as we would like to keep my husband clear of any defaults if possible incase we need any credit agreements in the future.

You would need to have at least £100 surplus after a joint income and expenditure has been taken into account to try for an IVA. However, if this is the case and you are eligible to try for an IVA, your husband's debt payments can be allowed for within your income and expenditure. There is also the option of your husband setting up a debt management plan of his own alongside your IVA.

I'm not sure when putting down joint responsibility for things like the mortgage ie how much i should pay ? The mortgage is £500 each month so do i put down £250 as my share and is everthing worked out 50/50 or should it be a percentage based on my earnings compared our overall income ? for example say he earns £1500 and i earn £500 the total income is £2000 and my income contributionlink3.gif is 25% hence should my mortgage contributionlink3.gif be 25% ? Hope this makes sense !!

I understand that you may work out your bills this way, however, for the IVA, your creditors require a full joint income and expenditure. Therefore you would need to show the full mortgage and full bills. Your husband's income would be shown on the budget but would be cancelled out by all of his expenses i.e his share of bills, debt repayment, car costs etc.

 

Also how do we go on with the joint overdraft as i want to go into an IVA and my husband does not want to ? He cannot afford to pay this if the bank demand immediate payment as i suspect they will ?

Your joint overdraft would need to be included within your IVA. You would need to change bank accounts to someone not linked to your old bank, and move all income over to this account, including your husbands. This is because the IVA company will need to contact all creditors eventually, and if your income is still going into your old account, they could freeze any monies going into this account to repay the debt. You would make your own individual offer in the IVA, depending on how much your monthly payment is. For example, if you propose a 15% offer to the IVA, your 15% would be included in the IVA, but your husband would still be liable to pay back the remaining 85% of the debt, which he can include as part of his own arrangement, or in a debt management plan to help clear this too. As you both took this overdraft out, you are both 100% liable for the full amount.

 

And finally our mortgage is up for remortgage in 2 years time - How easy will it be to get a decent mortgage rate with me on an IVA ?

IVA : Can I Get A Mortgage When I Am In An IVA?

Have a read of this, and this should help to answer this question or any other property queries you may have.

 

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