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    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
    • Thanks for answer ref address/bank. Thought it wise to double-check.   When I reply to them as per post #5, what should my reason for dispute be?   " dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation."
    • Alternative is to access the video yourself, upload to YouTube or similar and link back here.  Video will be accessible once you input your details into Wandsworth website: https://parking.wandsworth.gov.uk/pcn  
    • Yeah only £10 so may as well just get it done. When it comes to liaising with the police and bargaining before it hopefully goes to court. How does that happen? Via email? Phone call etc
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F&F Settlements - What to do now?


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Hello..

 

After looking online and finding various forum threads re: full and final settlements i recently decided to offer my creditors 20% of my balances.

 

The two which i wrote to are both to do with HBOS.

 

My first is an overdraft which i forgot about and the outstanding balance is £718.77 this is with iQor and they have wrote back saying that my settlement amount is not acceptable but that they would accept £540. I can't manage this payment and the letter states that they must recieve the payment within 14 days otherwise the full balance will stand and no further offers will be made. What do i do here? Obviously less is best but i am not in a position to pay £540. Could anyone guide me to a template for negotiating back (even if it looks like they wont negotiate at all!)

 

The other is my HBOS credit card which I have fallen behind on and is with Albion (i didnt know they were in-house!) and they have informed me that it is not company policy to accept anything other than the amount due which is approx £1600. What should i reply to them? Afterall the very same company are offering me a reduced settlement, albeit not as reduced as i need it to be, on another account.

 

I'm really perplexed now and I'm very unsure what steps to take next.

 

Any help would be greatly appreciated.

 

Thank-you :)

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Hi L

 

Have a read of the Full and Final settlement (9) in my signature.

 

Also there are some Templates here:- http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6

 

Remember to write 'Without Prejudice' on anything you send them. You could ask them to write the debt because of your circumstance or offer to pay £1 a month for the next however many years, should get them thinking.

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Thanks for the quick reply rebel.. I made sure to put 'without prejudice' on both of my letters :)

 

The link in your sig doesnt appear to be working, i get 'Invalid Blog specified. If you followed a valid link, please notify the administrator'

 

I guess i will up my offer to iQor and see what they say and perhaps I should wait until the halifax cc debt has gone past albion and onto a real life DCA to make an offer again??

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I would, don't forget they would have bought it for peanuts, ' I guess i will up my offer to iQor and see what they say and perhaps I should wait until the Halifaxlink3.gif cc debt has gone past albion and onto a real life DCAlink3.gif to make an offer again??'

 

Try clearing you 'cookies'.

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got any reclaiming to do first? and how old are these debts and are they still both with the oc or been sold?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No reclaiming as i previously reclaimed £300 off of the overdraft in charges and it was to decrease by £65 per month except I forgot and its now at £718!

 

The overdraft is with iQor and has been since Feb 2010.. The halifax CC has just been an issue in the last few months and is with Albion Collections Ltd.

 

Rebel - do you mean you wouldnt??

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Wait until the CC Debt is sold to a DCA. I think you'll find that there will be new charges you can claim with interest.

 

No reclaiming as i previously reclaimed £300 off of the overdraft in charges and it was to decrease by £65 per month except I forgot and its now at £718!

 

The overdraft is with iQor and has been since Feb 2010.. The halifax CC has just been an issue in the last few months and is with Albion Collections Ltd.

 

Rebel - do you mean you wouldnt??

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i would fire off the letter/notice of appropriation from the library section

and demand it back

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

OK guys.. I decided to reply to iQor with a slightly upped offer. The reply arrived this morning saying the following:

'upon checking our records we find that the account has been transferred for collection on a door-to-door basis. Therefore all arrangements and payments must be made with our collector who will call in due course.'

 

AHEM.. I do not think so. I have enough to deal with without some dirt-bag debt collector calling at my door.

 

Please could someone point me in the direction of what letter i should reply with. I had kind of thought i was in control but this kind of crap really makes me anxious.

Help!

 

(Also note that I am in Scotland so i'm guessing the laws are different with regards to doorstep collection up here)

Edited by l.boo
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doorsteppers are not allowed in svotland

diff property laws

 

pers i'd ignore them now

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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