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    • Items for sale include five rare Ferraris and a pair of Air Jordan sneakers signed by Michael Jordan.View the full article
    • TECHZONE BUXTON LTD overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK TECHZONE BUXTON LTD - Free company information from Companies House including registered office address, filing history, accounts, annual... thread title updated. dx
    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
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dmp some advice please


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Hello everyone,

i left my dm company last month because of the charges. and also i wasn't happy with their service too.I've been with them since Dec 2010 and till now only one creditor agreed to payment plan. So I thought I could do this on my own and save money on charges.

i've already sent out letters to my creditors saying that i will be doing dmp on my own, also attached I&E form, and an offer of payment.

I've got 6 payday loans, 1 overdraft, 2 credit cards, 1 Littlewoods account - in total circa £6500.

1.TXT Loan (files with Fredrickson) - £100 taken

2.Lending Stream - £350 taken

3.Toothfairy (files with NDR,MHBailiffs - so confusing!!!) - £300 taken

4.Quick Quid (files with Gothia and Red Castle Recoveries) - £200

5. Cash Genie (files with Carter Forbes) - £150

6. Wonga (due to 15th July but i will default) - £450

7.Money Shop - £350

8.Littlewoods - it was circa £700

9.Oakam (loan, files with Wescot) - £1090

10.Capital One (credit card) - circa £230

11.Lloyds overdraft - £1050 (but most built up from charges for unplanned overdraft)

12. Lloyds credit card - £630 (circa £120 built up from charges.

Since January 2011 my creditors have been paying through my dmp with that company I had the contract.So some money I've already paid towards my debts.

PDL companies already have passed my files to DCA.

I've been reading a lot of information here and now I'm just thinking if I've done the correct step.

I don't know the outstanding balances for my debts so I've made an offer based on my I&E form and on that what I can afford at the moment.

Is it too late (after I sent out those letters with offer) to request cca from my creditors?

I haven't received any response from them yet.

Is it true that with PDL you owe them only money you took plus 1 month interest? what is 1 month interest and how to calculate it?

Also I wasn't given by my debt management company "paying in details" for all of my creditors.i was refused to have them and was told i will have to get them from my creditors.

Any advice please on what I shall do next?

Thank you.

Gabi18

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  • 2 weeks later...

Look in the library (link in the banner) as you will find the letters you need there. Create an excel table using the amount you believe is owed. Calculate your I&E and what is genuinely affordable. Split this with your creditors in proportion so they all get the same amount based on what percentage of the debt they account for. Offer this. You do not have to send your I&E info to your creditors but some people think it helps - only a judge can ask to see your I&E etc. You should also write requesting interest be frozen (there are letters in the library). You should ask for SO details and pay the amounts offered irrespective of refusals and ensuing letter ping pong. Sent postal orders. NEVER set up a DD - only a SO. Do not call your creditors - it all needs to be done in writing. Seoarately you can CCA your creditors and also SAR them to see if there are any unlawful charges you can reclaim. But try to do this separately as you need to keep things simple and compartmentalised for their tiny brains...

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