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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Southwark council PCN appeal. Blue Badge.


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Except for the crucial fact that the blue badge scheme does not permit blue badges in permit bays so there is absoloutely no need to state on a sign they are not allowed.

 

Funny then that my LA go to the un-necessary expence of providing addiotional plates beneath the 'Resident Permit Holders Only' ones stating 'No exemption For Disabled Badge holders'. I would of thought that because the word 'Residents' is missing from the sign in the OPs case, would be a similar scenario to a loading sign; 'Goods Vehicles Only' with the word 'Only' missing from it which is not a permitted variant.

 

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On the Southwark website, under "Where blue badge holders can park" it says:

  • on yellow lines where there are no loading restrictions for up to three hours, providing the clock card is displayed and you set the time of arrival and your vehicle is not causing an obstruction in the road
  • in pay and display or shared-use (permit holders and pay and display) bays for an unlimited time
  • in designated blue badge bays for an unlimited time (or limited to three or four hours where signed)

I guess greenandmean is right in relation to the Southwark blue badge parking rules and sailor sam is right in relation to the wording of the contravention "Parked in a residents' or shared use parking place"? Can it be argued from both?

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Thousands upon thousands of PCNs get issued in permit bays each year using the wording 'resident bay' and have been to the adjudicator. If you think you are going to get the PCN cancelled where hundreds of others have failed feel free to try. You have a solid appeal you didn't display an invalid permit if you water it down with other side issues you will get a long letter in return waffling along about all the issues they are correct on and side stepping the issue about the wrong contravention. If you got a 19 you case is water tight you didn't display an invalid anything so you have no charge to pay. You did park without displaying but the haven't accused you of that but its their tough luck not training staff properly.

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PCN challenge submitted.

 

On the day in question I parked my vehicle in the 'permit holders' bay as alledged whilst taking the badge holder for a day out. In Wandsworth were I live as in most London boroughs blue badges are permitted to be used without a time limit. I therefore displayed the blue badge without clock which is only required were there is a time limit.

I returned to the vehicle to find a PCN had been issued for an invalid permit or pay and display ticket. I displayed neither a permit or pay and display ticket at any time therefore the contravention did not take place. The law clearly states that the PCN must state the grounds on which the PCN is issued, please could you either confirm details of the 'invalid permit or ticket' displayed or cancel the PCN.

 

I will let you know how it goes. Thanks for all your input.

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This is not always the case. In my area BB holders can park in resident bays for as long as they wish. Whether blue badge holders can do so in Southwark all depends on whether the traffic order is drafted in a manner that make the resident bays subject to the disabled exemption regs.

 

Pfozz...see regs 7,8,9 to see if you think the bays may be subject.

 

http://www.legislation.gov.uk/uksi/2000/683/contents/made

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That is always the case the blue badge scheme does not allow them to park in permit bays unless you can point to the legislation or guidance that says they can? Locally the Council can decide to let them park in permit bays, car parks or anywhere else free but that has nothing to do with the running of the scheme itself and doesn't require any signage saying they are exempt or not exempt.

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I pointed to the legislation that says they can if certain conditions exist, whether those conditions exist in this case I can't say without access to the full traffic order. The Blue Badge Scheme booklet has no statutory authority and is not reliable. For example, it says BB holders can't park in Loading Bays but Stephen Sauvain Q.C. amongst others, reached the conclusion that they can lawfully do so since a Loading Bay falls under reg 8 linked above. This chap is supposed to be the country's leading traffic law barrister so I suppose his legal opinion carries more weight than yours or mine.

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It can be.

 

A resident permit bay is a designated parking place created under the provisions of s.45 RTRA 1984. Section 46 RTRA 1984 then enables regulation of the bay and the prescribed charges. As the bay is created by order of s.45 and s.46 RTRA 1984 then regulation 7, 8, and 9 linked above can apply if the conditions for them to do so are met.

 

If those conditions are met then a council has a statutory duty to allow BB holder's to park accordingly.

 

This applies even where a bay is not a designated parking bay but regulated by order under s.35 RTRA 1984(or s.6 for London). Hence why Loading Only bays fall under the umbrella of the disabled regs.

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  • 1 month later...

I have not heard anything from Southward since I submitted my challenge on 18th Feb. I just checked the status of the PCN on the southwark website and it says 'case closed'. I am presuming this means they have dropped it?! If so, I think I've been lucky, but there again Southwark were careless. Many thanks to everyone for your advice. This is a great forum and I've certainly learned a lot from you.

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...pity we don't know why they dropped it. I wonder if they will now change the signage....

 

True. There is nothing on the web site. I will let you know if I get anything in writing. However, I did only challenge on the grounds of incorrect contravention (see above):

...I returned to the vehicle to find a PCN had been issued for an invalid permit or pay and display ticket. I displayed neither a permit or pay and display ticket at any time therefore the contravention did not take place. The law clearly states that the PCN must state the grounds on which the PCN is issued, please could you either confirm details of the 'invalid permit or ticket' displayed or cancel the PCN.
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Recieved a letter confirming they are dropping the case. It doesn't go into any more detail as to why though. See attached scan.

 

untitled.jpg

 

Thanks everyone for all your help with this.

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  • dx100uk changed the title to Southwark council PCN appeal. Blue Badge.
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