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    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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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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