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    • Yep   Matt Hancock United Nations job offer withdrawn WWW.INDEPENDENT.CO.UK Anti-poverty campaigners protested over his role in blocking vaccines for developing world  
    • I hope you noticed that your posts have had to be restructured first of all my my site team colleague and then your second post by myself. Please can you present your posts properly spaced and punctuated. It's extreme difficult for people to follow when they are in solid blocks of text – especially when people using small screen such as telephones. Thank you. Please stand by for a fuller reply later
    • So far the declared value is confirmed and documemted the first Claim got agreed and they kept delaying saying the refund will show 5-7 days for BACS but that not true!   I VE been chaising this since 28th september, told on 2nd October I needed to send my bank details again as they seemed they got it wrong but not my fault yet they had it since 2nd October! Thats over 2 weeks! I   GET Money via bank bacs and from Europe and recently in 3 Days and in the UK its same day and instant!   They re messing me about and nothing else!   For contents its a Marshall  speaker small Bluetooth one value 127.99   And 2nd parcel stolen last week and an empty bag delivered yesterday for Marshall Headphones value 121.99 all sold via verifiable links and invoices and all fully covered to its value, and payment all proven as well as refunds.   The first claim was agreed but still no payment   2nd Claim had to file it yesterday and he re the empty bag!
    • Yes it will be straightforward – but you may as well give us better information so we can check that everything is in a row. What was in the parcels? When were they sent? Was the value correctly declared? I understand you had insurance.   Have you been formerly declined compensation? If so then what was the reason given?   Also, you need to spend some time reading up on the Hermes threads on this sub- forum so that you understand the way it goes. It is pretty well always the same. It's essential that you understand the steps and so it is essential that you do the reading. In addition to answering the questions above, please confirm that you have done the reading or the you will be doing it.
    • In order for an NTK to be compliant it has to comply with PoFA. If it is not compliant then the keeper cannot be held liable for the PCN.  I have included the wording from S8 though  s9 is identical in the part I have copied below. You will see that at the beginning  "The Notice  'must' " which in Law means the wording  is to be stictly observed (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; (c)state that a notice to driver relating to the specified period of parking has been given and repeat the information in that notice as required by paragraph 7(2)(b), (c) and (f); (d)if the unpaid parking charges specified in that notice to driver as required by paragraph 7(2)(c) have been paid in part, specify the amount that remains unpaid, as at a time which is— (i)specified in the notice to keeper, and (ii)no later than the end of the day before the day on which the notice is either sent by post or, as the case may be, handed to or left at a current address for service for the keeper (see sub-paragraph (4)); (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; or (ii)if the keeper was not the driver of the vehicle, to notify the creditor of the name of the driver and a current address for service for the driver and to pass the notice on to the driver; (f)warn the keeper that if, at the end of the period of 28 days beginning with the day after that on which the notice to keeper is given— (i)the amount of the unpaid parking charges (as specified under paragraph (c) or (d)) has not been paid in full, and (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; (g)inform the keeper of any discount offered for prompt payment and the arrangements for the resolution of disputes or complaints that are available; (h)identify the creditor and specify how and to whom payment or notification to the creditor may be made; (i)specify the date on which the notice is sent (if it is sent by post) or given (in any other case).   If you compare that with the NTK you weresent you will see that your one does not include  "   (if all the applicable conditions under this Schedule are met) " Your NTK also states that if you don't pay the £100 that you will be liable for debt collection charges up to £60. this contradicts section 4 of PoFA where it covers the right of the parking crooks to pursue motorists [5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 8(2)(c) or (d) or, as the case may be, 9(2)(d) (less any payments towards the unpaid parking charges which are received after the time so specified).   So their NTK is non compliant in two places.    In any event Ambreen is wrong to declare that if they cannot pursue the keeper than they can assume that the keeper was the driver. The court will not entertain that idea -VCS need to provide strict proof that the keeper is the driver. So despite Ambreen claiming that they can proceed against the keeper she is wrong. [17,18 and !9 of her WS]. They quote Parking Eye v Beavis   [22] which is irrelevant since that was a free car park and yours is a residential parking space covered by a lease which VCS cannot overturn.    
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Think my wife and i need to go into DMP the trouble is which one do you go for none-fee paying ones or fee-paying ones heard bad points about both,we have got substantial debts,we have very good equity in the bungalow just over £100k but cannot get a re-mortgage because of the ages of both of us [66] to release the equity,any help would be most appreciated.

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Hi colin

 

Welcome to CAG

 

The guys will advise as soon as they are available.

 

Have a read of number 1,2, 3 and 6 and 7 in my signature.

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Definitely go for one of the free ones - that way all your money goes towards your debt repayments rather than a chunk going in commission - CCCS and Payplan are the most common free DMP's.

 

You say you think you need to go into a DMP. This implies you are not sure. How much debt have you got, how old are they, who are they to and what are they for? The more you can tell us, the more we can help. I'd keep quiet about the equity in your house if you're taking the DMP route as if creditors get a sniff of this they may prefer to look at a second charge against your house.

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Hi Tingy. Thanks for reply,i used the word "think" because i have been activally trying to re-mortgage but it looks a no- goer, as got into this position with 4 c.cs. and a persoal loan to a total of £32k and the even darker side of this problem my wife as tried to over-dose twice, so we doo need help,i have tried the CAB and thet are as much use as a bucket on the titanic.

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Would you consider managing your own DMP with the help of those on here who have done it? I can contact a few very good people who'd be able to help. I ask this as I think that by doing that we would be able to make creditors more considerate as we would ensure they are aware of your wife's mental illness - it is perhaps not unsurprisingly very common on this site. It's not a case of using her illness, but ensuring creditors act with due diligence when talking to you both in order that they don't exacerbate your wife's illness.

 

In my opinion this may be a good way for you to go, but I'd wait a little while and see what others have to say as well. Meanwhile have a think about what I've suggested. Doing it yourself is not that hard and you stay firmly in charge of exactly what is happening which has a lot of advantages. You would have an enormous amount of help. I've helped a few people recently do exactly this.

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Hi Tingy, Thanks for that we would be very interested in doing our own DMP with yours and others help,as at the moment we would not hava clue how to do it,another fly in the ointment which i forgot to mention was the mortgage we have at the moment is a interest only one with Acenden and expires in September 2016 and they wont length the term.

 

colin

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OK - here we go. I'd leave the thread run for a day or two to see who contributes - I suspect many of those who do would be the ones I would contact. Meanwhile if you go to the library (link at top of page) you will find an Income and Expenditure sheet. Not surprisingly you put your income and expenditure into the relevant columns (do not leave yourself with no money - make sure you do not underestimate how much it costs to live, cars need petrol, MOT's, tax, repairs, insurance etc.... You need clothes, haircuts, food etc... factor in everything. You can then put in your priority debts which have to be paid and then your non priority debts and the form will work out pro rata payments automatically. This is what you would then offer them.

 

Before you make any offers though (and there are template letter for you on here for everything) how old are these debts? Have you been paying them, if not how long has it been since you made any payments? Did you have any ppi or have any of them applied charges so far? A lot of this can be reclaimed too reduce the debt and it may be, if the debts are oldish and depending who they're with you may need to send for a copy of your Consumer credit Agreement (again there's a template letter).

 

First step for the moment is to fill in the Income Expenditure form putting everything on it no matter how big or small, and then we'll take it from there. As I said I'd leave the thread a couple of days as I don't want to appear to be dominating things, see who contributes and then I can, if necessary, rally some troops to come in and help.

 

You have no need to worry re the debts as I'm pretty sure we can do something about those and arrange affordable repayment plans. The mortgage is a separate issue entirely - I'm assuming you have no endowment policy in place to cover any of it? That is not my area of expertise, but I can find out if there are people here who can help you with this.

 

Most importantly and I should have said this ages ago - well done. You've taken the first step and that is by far the hardest one. You are already starting to resolve your situation.

 

Good luck with the IE form - if you need any help, post up here or if you click my user name you can send me a private message and you will get a quick response. I'll try to shut up for a day or two now and let others have their say and voice opinions on what I've said. Have fun with the IE sheet and please tell your wife to try not to worry. I've sufferred two major nervous breakdowns myself, lost my job as a headteacher due to it, lost my house, had suicide attempts, been in and out of mental health hospitals and have an awful lot more debt than you - but, and it's a bit but, I'm very happy as I know things are under control. I do understand what she is going through and I understand the extra pressure that puts on you.

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I totally echo everything Tingy has said to you on this thread and i have to say his ADVICE is sound and very helpful in every case, The only thing i would add is that it might be worth using the cccs just to guide you through everything and to get the ball in motion and give you the options, You will chat to a fully trained consultant for a good half an hour, for me that half hour was priceless as it took a weight of my shoulders, And then once erverything has been sorted maybe after say 3 months take the DMP into you hands then and control it for yourselfs, But whatver you choose you have made a major step coming onto this site and asking for help, I wish i found this site earlier!!!!

 

All the best

 

Baz

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I know Tingy i think these two threads we can really give some great advice and i am 100% sure that ColinD with be feeling 100 times better within a short space of time

 

Baz

Edited by baz1986
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Hi Colin

 

I echo colleagues’’ comments.

 

There are two sides to this problem. First do the I&E (and the common financial statement does not include equity in your house) and see what you can realistically afford in the medium term and offer that pro-rata. (of course check the enforceability of alleged debts, PPI and charges etc first).

 

Second, as Tingy says, if they get a whiff of the equity they will much more difficult to deal with and tactics may have to be adapted.

 

Love

 

vic

 

PS Just read the bit about the mortgage. There was a court decision recently re mortgage companies not penalizing folk in difficulty, but this will need separate and careful thought.

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