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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Young lad with lots of debt


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Hey guys new here,

 

Bassically i owe alot of money to alot of people, i was hoping to get some adivce from you people on here :)

 

What i Owe:

Barclaycard : £303

Barclays: £115

Payday Express: £240

The money shop: £200

Capital One: £200

Wonga.com: £400

 

So thats a total of

£1458...

 

I earn £380 a month.

 

Whats the best way to go about paying all this off?

 

Thanks

 

 

Ryan Sweet

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Hi and welcome to CAG

 

Can I be personal and ask how young?

 

There are some great blogs within my signature that will help you to deal with this.

 

Whatever you do, don't phone anyone. Deal with this in writing. Also have a good read around the forum. There are lots of threads very similar to yours

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

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Of course :) i am 19, i got into a bad patch of gambling and being greedy i really do need help, im currently under a debt management plan with Fresh Start Finance / Harrington Brooks but i want to stop that. I only have £70 a months to pay these debts off with. could someone help me finding a way of doing that?

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Yes. STOP paying for the privilege of paying off your debts.

There are two companies that do not charge. They are Payplan and CCCS although with your disposable income so low, they may not take you on.

 

You could look at the National Debtline website as they have some sterling info.

 

http://www.nationaldebtline.co.uk/

 

Were you over 18 when you took the loans out?

 

Within this LINK there are some very good letters to help deal with your creditors

 

Don't worry too much about charges just now except, you put Barclays as a separate entity to Barclaycard. Is this a bank overdraft?

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

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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National Debtline is another free debt management service and yes they will certainly offer excellent advice.

 

Do come back if you have any further questions :)

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You need to get the overdraft charges frozen and paid off as soon as possible. Use the letters in the link I posted earlier to help do that. Overdraft charges cannot be claimed back unless they were due to Financial Hardship.

 

Can I say that for a 19 year old, you are being very mature by dealing with this however, if you should need them , try Gamblers Anonymous

http://www.gamblersanonymous.org.uk/

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

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have already spoke to them and rather than spending £100 a week on gambling i spend little as £5 a week so its an improvement!! :) ill speak to debt line tommorow and see what they say

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Confession time. I was where you are now and I was about the same age. Every payday, my wages went straight into the nearest slot machine but it took me 10 years to rid myself of the chain but I did it and from the sounds of it, so can you. The temporary high I got was lots better than the despair I felt when I wasn't winning (which was most of the time)

As well as support from GA, you will get it here.

Good on you :-)

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

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Want to just say how lucky you are that you have found this site so quickly, by the time you have payed your debts off you will never forget the help you get from this site,

 

Gambling is a nasty habbit and i did go through a spell at one point when i was about 21 and thankfully i managed to get out of that dangerous game,

 

All the best mate

 

Baz

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If it was me i would go with the cccs give them a ring get them to sort out all the letters and communication and WHEN you feel confident i would go it alone, Either way you do it we have massive od advice on here...

 

What is your gut instinct telling you?

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No it wont matter you can only pay them what you can comfortably afford, Ring the CCCS and they will go through everything with you mate. The biggest thing is admitting which you have done, the next big step is getting in contact with them, tell them everything dont leave anything out and as soon as you speak to them i can GURANTEE you will feel a weight lifted, then go and have a cold beer!!

 

Then get yourself organised, with a folder and labels etc, If you like read my thread which i started when i first come to this site, it goes through the start, the slight problems and all the advice i was given by the experts on here that have done and seen it all!!

 

If you need anything i come on this site every day so feel free to inbox me

 

Baz

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If your surplus is £70 per month it is unlikely that you'll be able to use a free DMP through the likes of CCCS or Payplan, but there is no reason why you cannot do it yourself using the materials on this site and via the national debtline website.

 

they key is to ensure that all negotiations are in writing, as previously mentioned.

 

Getting a realistic budget sheet together should be the first port of call :)

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